SANAGUI
ActiveSummary
The computed 12-month bankruptcy probability of SANAGUI is 2.1% (moderate). The 2025 annual accounts show negative equity (€-20k) and a net result of €-5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 27786 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
23
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-20k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
21 d late
2023
8 d early
2022
on the day
2021
9 d late
2020
5 d early
2019
7 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-20k▼ 37.9%
2024 · €-14k
2018: €3k
2019: €2k
2020: €4k
2021: €4k
2022: €8k
2023: €-7k
2024: €-14k
2018 → 2025
Total assets
€3k▼ 66.0%
2024 · €7k
2018: €47k
2019: €33k
2020: €21k
2021: €16k
2022: €22k
2023: €12k
2024: €7k
2018 → 2025
Net result
€-5k▲ 23.8%
2024 · €-7k
2018: €-451
2019: €-1k
2020: €2k
2021: €-720
2022: €4k
2023: €-15k
2024: €-7k
2018 → 2025
Working capital
€-20k▼ 34.7%
2024 · €-15k
2018: €-10k
2019: €-9k
2020: €7k
2021: €7k
2022: €7k
2023: €-8k
2024: €-15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€8k▲ 113%€-7k€-14k▼ 99.0%€-20k▼ 37.9%
Operating result€619-€7k▲ 983%€-14k€-6k▲ 57.5%€-5k▲ 13.4%
Net result€-720-€4k€-15k€-7k▲ 52.4%€-5k▲ 23.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €6k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3k
Fixed assets
€612 ▼ 22.9%
Current assets
€2k ▼ 71.2%
Key figures and ratios
EBITDA
€-5k▲
2024 · €-6k
Cash flow
€-5k▲
2024 · €-7k
Interest coverage
-91.89▼
2024 · -11.95
Debt
€22k▲
2024 · €22k
Debt ≤ 1 year
€22k▲
2024 · €22k
Income taxes
€249▲
2024 · €137
Ratios withheld: a balance sheet total of €3k is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€7k€3k▼
Fixed assets21/28€795€612▼
Tangible fixed assets22/27€365€182▼
Plant, machinery and equipment23€365€182▼
Financial fixed assets28€430€430=
Current assets29/58€7k€2k▼
Amounts receivable within one year40/41€4k€2k▼
Trade receivables40€1k€2k▲
Other amounts receivable41€2k-
Cash at bank and in hand54/58€3k€350▼
Equity and liabilities
Total equity and liabilities10/49€7k€3k▼
Equity10/15€-14k€-20k▼
Contributions10/11€14k€14k=
Reserves13€421€421=
Non-distributable reserves130/1€421€421=
Reserves not available under the articles1311€421€421=
Profit (loss) carried forward14€-29k€-34k▼
Amounts payable17/49€22k€22k▲
Amounts payable within one year42/48€22k€22k▲
Trade debts44€13k€10k▼
Suppliers440/4€13k€10k▼
Taxes, remuneration and social security45€137€3k▲
Taxes450/3€137€2k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€9k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62€365-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€182€182=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-4k€-4k▲
Operating profit (loss)9901€-6k€-5k▲
Financial income75/76B-€37
Recurring financial income75-€37
Financial charges65/66B€1k€54▼
Recurring financial charges65€482€54▼
Non-recurring financial charges66B€532-
Profit (loss) for the period before taxes9903€-7k€-5k▲
Income taxes67/77€137€249▲
Profit (loss) for the period9904€-7k€-5k▲
Profit (loss) for the period to be appropriated9905€-7k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-34k▼
Profit (loss) brought forward from the previous period14P€-22k€-29k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-15k ▼463%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.00
Current ratio from 0.60 to 2.00; short-term debt falls from €22k to €7k.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Chapelle-lez-Herlaimont · 1 establishment unit since 2006
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue du Biri 97160 Chapelle-lez-HerlaimontGround area
491 m²
Building footprint
29 m²
Volume, LiDAR
219 m³
2 parcels, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SANAGUI
since 20062.155.998.214
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52027A0698/00V000 | Wallonia | 409 m² | - | - |
| 52010B0262/00M002 | Wallonia | 82 m² | 1 · 29 m² | 9.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
STUBER DESIGN
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P&P Therm
BE 1030.154.648
Esneux · Eq €7,740
project UP
BE 0803.625.303
Turnhout · Eq €7,759
SOIRON ROMAIN
BE 0550.713.639
Voeren · Eq €7,712
SOLARIS
BE 0896.550.412
Lierde · Eq €7,698
Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 2,150 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-09-2006
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
33120Repair and maintenance of machinery
41001General construction of residential buildings
43320Joinery installation
46610Wholesale trade
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.