Sancto
ActiveSancto has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €26k. Equity is growing by ~44.2% per year across the filed fiscal years. Its solvency ranks better than 29% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-14
Solvency54▼-30
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.92 against 1.84 in 2024; short-term debt: 16.8% and cash: 6.3% of total assets), and 71.2% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
28.8%
Return on assets
10%
Age of the figures
9 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 26-08-2026, 26 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 · 3 filingsDeviation from the deadline
2025
26 d late
2024
31 d early
2023
40 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 53.1%
2024 · €49k
2023: €32k
2024: €49k
2023 → 2025
Total assets
€261k▲ 213%
2024 · €83k
2023: €77k
2024: €83k
2023 → 2025
Net result
€26k▲ 50.4%
2024 · €17k
2023: €30k
2024: €17k
2023 → 2025
Working capital
€-4k
2024 · €23k
2023: €6k
2024: €23k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€32k-€49k▲ 54.6%€75k▲ 53.1%
Operating result€42k-€28k▼ 32.1%€43k▲ 52.6%
Net result€30k-€17k▼ 41.8%€26k▲ 50.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 53% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €261k
Fixed assets
€221k▲ 563%
Current assets
€40k▼ 19.4%
Equity and liabilities €261k
Equity
€75k▲ 53.1%
Debt
€186k▲ 443%
The debt ratio rises from 41.0% to 71.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€50k▲
2024 · €37k
Cash flow
€33k▲
2024 · €26k
Solvency
28.8%▼
2024 · 59.0%
Current ratio
0.92▼
2024 · 1.84
Quick ratio
0.92▼
2024 · 1.84
Debt / equity
2.47▲
2024 · 0.70
ROE
34.7%▼
2024 · 35.3%
ROA
10.0%▼
2024 · 20.8%
Interest coverage
35.92▼
2024 · 50.39
Debt
€186k▲
2024 · €34k
Debt ≤ 1 year
€44k▲
2024 · €27k
Debt > 1 year
€141k▲
2024 · €6k
Income taxes
€16k▲
2024 · €10k
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
Assets
Total assets20/58€83k€261k▲
Fixed assets21/28€33k€221k▲
Tangible fixed assets22/27€33k€20k▼
Land and buildings22€5k€4k▼
Furniture and vehicles24€28k€13k▼
Other tangible fixed assets26-€3k
Financial fixed assets28-€200k
Current assets29/58€50k€40k▼
Amounts receivable within one year40/41€9k€23k▲
Trade receivables40€9k€23k▲
Other amounts receivable41€208€260▲
Cash at bank and in hand54/58€40k€17k▼
Deferred charges and accrued income490/1€1k€762▼
Equity and liabilities
Total equity and liabilities10/49€83k€261k▲
Equity10/15€49k€75k▲
Contributions10/11€2k€2k=
Reserves13€47k€73k▲
Distributable reserves133€47k€73k▲
Amounts payable17/49€34k€186k▲
Amounts payable after more than one year17€6k€141k▲
Financial debts170/4€6k€141k▲
Amounts payable within one year42/48€27k€44k▲
Current portion of amounts payable after more than one year42€3k€19k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€21k€22k▲
Taxes450/3€18k€20k▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€923€429▼
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Non-recurring operating income76A-€298
Remuneration, social security and pensions62€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€7k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€41k€52k▲
Operating profit (loss)9901€28k€43k▲
Financial charges65/66B€735€1k▲
Recurring financial charges65€735€1k▲
Profit (loss) for the period before taxes9903€28k€42k▲
Income taxes67/77€10k€16k▲
Profit (loss) for the period9904€17k€26k▲
Profit (loss) for the period to be appropriated9905€17k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€26k▼
Profit (loss) brought forward from the previous period14P€30k-
Transfer to equity691/2€47k€26k▼
To other reserves6921€47k€26k▼
The notes to these accounts (10 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €17k ▼41.8%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Roeselare · 1 establishment unit since 2023
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.
Kaasterstraat 538800 RoeselareGround area
908 m²
Building footprint
205 m²
Volume, LiDAR
922 m³
Parcel 36302B0838/00H000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sancto
since 20232.340.010.380
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36302B0838/00H000 | Flanders | 908 m² | 1 · 205 m² | 6.9 m · 2 fl. |
Linked by address, not proof of ownership
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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,214 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 1,214 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 39,910 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.