Checked.be
Active
BE 0761.806.227Private limited company
SAN-DER
Ooststatiestraat 187a ·2550 Kontich, Belgium· 5 yrs active
Sector: Washing and cleaning of motor vehicles
(95316)
Conclusion
SAN-DER has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €52k and a net result of €79k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 3538 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €52k |
| Net result | €79k |
| Better than sector | 34% |
| Active | 5 yrs |
Financial profile
76
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
73
Profitability
100
Solvency
34
Growth
78
Stability
94
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
73
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€4k
estimate, not credit advice
Score history
85
2021
100
2022
100
2023
73
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.26 (≥ 1.0)
+5
Quick ratio
Quick ratio 1.26 (≥ 1.0)
+5
Leverage
Debt/equity 3.71 (> 3.0)
-10
Profitability
ROE 153% (≥ 10%)
+10
Interest coverage
Interest coverage 1523.2× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 20-07-2025 with the NBB · fiscal year 2024 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile
Too volatile to project: the yearly deviation from the trend is ~42% of the level (threshold 35%). We therefore deliberately show no projection line.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 21.2% | 37.2% | |
| Net result | €79k | €7k | |
| Equity | €52k | €46k | |
| Gross operating margin | €99k | €39k | |
| Total assets | €243k | €144k |
€99k
+24.5%
21-24
€79k
+26.0%
21-24
€81k
+25.0%
21-24
€243k
+47.4%
21-24
€52k
-66.3%
21-24
€50k
-66.5%
21-24
€20k
+22.2%
21-24
€180k
-
21-24
€191k
+1509.4%
21-24
€191k
+1509.4%
21-24
1.26
-90.7%
21-24
1.26
-90.7%
21-24
21.2%
-77.1%
21-24
3.71
+4669.2%
21-24
152.8%
+273.4%
21-24
32.4%
-14.5%
21-24
1523.19
+58.5%
21-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €99k | €79k | €61k | - |
| Net profit | €79k | €63k | €48k | €40k |
| Cash flow | €81k | €65k | €48k | - |
| Staff costs | - | - | - | - |
| Income taxes | €20k | €16k | €12k | €15k |
| Dividends | €180k | - | - | - |
| Total assets | €243k | €165k | €99k | €54k |
| Equity | €52k | €153k | €90k | €43k |
| Debt | €191k | €12k | €9k | €11k |
| of which ≤ 1y | €191k | €12k | €9k | €11k |
| of which > 1y | - | - | - | - |
| Working capital | €50k | €149k | €84k | €43k |
| Employees (FTE) | - | - | - | - |
Ratios (computed)
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Current ratio | 1.26 | 13.51 | 10.77 | 4.76 |
| Quick ratio | 1.26 | 13.51 | 10.77 | 4.76 |
| Working capital ratio | 20.5% | 90.3% | 84.7% | 79.0% |
| Solvency | 21.2% | 92.8% | 91.3% | 79.0% |
| Debt / equity | 3.71 | 0.08 | 0.10 | 0.27 |
| Long-term debt ratio | - | - | - | - |
| Interest coverage | 1523.19 | 960.80 | 699.76 | - |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 32.4% | 38.0% | 48.3% | 74.4% |
| ROE | 152.8% | 40.9% | 52.9% | 94.1% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2024
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €243k | €165k | €99k | €54k |
| Fixed assets | 21/28 | €2k | €4k | €7k | - |
| Tangible fixed assets | 22/27 | €2k | €4k | €7k | - |
| Current assets | 29/58 | €241k | €161k | €92k | €54k |
| Amounts receivable within one year | 40/41 | €18k | €18k | €14k | €12k |
| Investments | 50/53 | €158k | €76k | €6k | €40k |
| Cash & bank | 54/58 | €4k | €6k | €11k | €2k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €243k | €165k | €99k | €54k |
| Equity | 10/15 | €52k | €153k | €90k | €43k |
| Contributions / capital | 10/11 | €3k | €3k | €3k | €3k |
| Reserves | 13 | €40k | €40k | €40k | €40k |
| Accumulated profits (losses) | 14 | €9k | €110k | €48k | €57 |
| Amounts payable | 17/49 | €191k | €12k | €9k | €11k |
| Amounts payable within one year | 42/48 | €191k | €12k | €9k | €11k |
| Trade debts payable within one year | 44 | €934 | €637 | €633 | €2k |
| Income statement | |||||
| Gross operating margin | 9900 | €99k | €79k | €61k | €55k |
| Operating result | 9901 | €96k | €77k | €60k | €55k |
| Financial income | 75 | €2k | €2k | €120 | - |
| Financial charges | 65 | €65 | €82 | €87 | €69 |
| Result before taxes | 9903 | €98k | €78k | €60k | €55k |
| Income taxes | 67/77 | €20k | €16k | €12k | €15k |
| Net result for the period | 9904 | €79k | €63k | €48k | €40k |
| Result to be appropriated | 9905 | €79k | €63k | €48k | €40k |
Legal Structure
| NACE primary | Washing and cleaning of motor vehicles(95316) |
| Legal form | Private limited company(610) |
| Incorporation | 19-01-2021 |
| Status | Active |
| Postal code | 2550 |
Establishment units
Ooststatiestraat 187a, 2550 Kontich
since 20212.312.278.971
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602C0045/00H002 | Flanders | 671 m² | 1 · 167 m² | 10.0 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
2025
20-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €79k ▲26%
Operating result €96k, net result €79k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €153k ▲69.2%
3 profitable years in a row build equity to €153k.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 10.77
Current ratio from 4.76 to 10.77; short-term debt falls from €11k to €9k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Washing and cleaning of motor vehicles95316Activities of interior architects71112Urban planning and landscape architecture71113Other professional, scientific and technical activities74104Other professional, scientific and technical activities74109Interior design74130Other specialised design activities74140Landscape service activities81300
Names & trade names
| Legal nameNL | SAN-DER |
Similar companies
Suro Cars
BE 0682.652.247 · Roeselare
CARE CLEAN
BE 0729.685.567 · Meise
Morgan Solutions
BE 0785.466.012 · Fernelmont
RS CAR CLEANING
BE 0632.865.216 · Bree
SA TRADE
BE 0712.713.933 · Namur