SANCHRIS
ActiveSANCHRIS has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €198k and a net result of €56k. Equity is growing by ~41.6% per year across the filed fiscal years. Its solvency ranks better than 54% of 12499 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
89
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency60▼-3
Growth78=
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.29 in 2024), and 65.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
34.6%
Return on assets
9.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
1 d late
2022
51 d late
2021
64 d late
2020
216 d late
2018
359 d late
← before the deadline
after the deadline →
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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€198k▲ 39.9%
2024 · €142k
2021: €73k
2022: €63k
2023: €96k
2024: €142k
2021 → 2025
Total assets
€573k▲ 47.7%
2024 · €388k
2021: €370k
2022: €321k
2023: €308k
2024: €388k
2021 → 2025
Net result
€56k▲ 24.8%
2024 · €45k
2021: €34k
2022: €-10k
2023: €33k
2024: €45k
2021 → 2025
Working capital
€58k▲ 145%
2024 · €24k
2021: €-37k
2022: €-28k
2023: €816
2024: €24k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€63k▼ 13.1%€96k▲ 52.0%€142k▲ 47.0%€198k▲ 39.9%
Operating result€50k-€51k▲ 1.0%€54k▲ 7.4%€74k▲ 35.9%€88k▲ 18.4%
Net result€34k-€-10k€33k€45k▲ 37.3%€56k▲ 24.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 18% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €573k
Fixed assets
€286k▲ 1.6%
Current assets
€287k▲ 170%
Equity and liabilities €573k
Equity
€198k▲ 39.9%
Debt
€375k▲ 52.3%
The debt ratio rises from 63.5% to 65.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€125k▲
2024 · €93k
Cash flow
€94k▲
2024 · €65k
Solvency
34.6%▼
2024 · 36.5%
Current ratio
1.25▼
2024 · 1.29
Quick ratio
1.24▼
2024 · 1.27
Debt / equity
1.89▲
2024 · 1.74
ROE
28.5%▼
2024 · 32.0%
ROA
9.9%▼
2024 · 11.7%
Interest coverage
23.62▲
2024 · 16.66
Debt
€375k▲
2024 · €246k
Debt ≤ 1 year
€229k▲
2024 · €83k
Debt > 1 year
€146k▼
2024 · €161k
Income taxes
€27k▲
2024 · €24k
Staff costs
€19k▼
2024 · €27k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€388k€573k▲
Fixed assets
21/28€282k€286k▲
Tangible fixed assets
22/27€269k€274k▲
Financial fixed assets
28€12k€12k=
Current assets
29/58€106k€287k▲
Stocks & contracts in progress
3€1k€3k▲
Amounts receivable within one year
40/41€33k€168k▲
Cash & bank
54/58€69k€114k▲
Total equity & liabilities
10/49€388k€573k▲
Equity
10/15€142k€198k▲
Contributions / capital
10/11€6k€6k=
Reserves
13€42k€72k▲
Accumulated profits (losses)
14€94k€120k▲
Amounts payable
17/49€246k€375k▲
Amounts payable after one year
17€161k€146k▼
Amounts payable within one year
42/48€83k€229k▲
Trade debts payable within one year
44€37k€90k▲
Income statement
Code20242025
Gross operating margin
9900€271k€291k▲
Operating result
9901€74k€88k▲
Financial income
75€636€997▲
Financial charges
65€6k€5k▼
Result before taxes
9903€69k€83k▲
Income taxes
67/77€24k€27k▲
Net result for the period
9904€45k€56k▲
Result to be appropriated
9905€45k€56k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2021net €56k ▲24.8%
Operating result €88k, net result €56k, both a record.
31-12
Financial
Equity above €150kEq €198k ▲39.9%
3 profitable years in a row build equity to €198k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Equity above €100kEq €142k ▲47%
2 profitable years in a row build equity to €142k.
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
2022
31-12
Financial
Weakest financial yearnet €-10k ▼128%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
03-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 64 days late
04-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 216 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 359 days late
2018
10-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 71 days late
2015
10-12
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 132 days late
2014
11-12
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 133 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
MAKT
BE 0811.436.969
Brussel · Eq €198k
BALLEKES BRUSSELS
BE 0645.849.160
Brussel · Eq €198k
COMPTOIRS ABC
BE 0563.833.482
Vorst · Eq €198k
LOSTE
BE 0795.520.754
Kortrijk · Eq €198k
TOPAZI
BE 0464.599.514
Elsene · Eq €199k
Of 13,832 companies in sector 56301 we hold annual accounts for 4,437. 2,975 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2006
Fiscal year end31-12
Activities, NACEBEL
55301
55401
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
55302
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 14-07-2026. Scores and ratios are computed by Checked and are not a credit decision.