SANDER CLAES DEVELOPMENT
ActiveSANDER CLAES DEVELOPMENT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €181k and a net result of €78k. Equity is growing by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 16759 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.99 against 2.73 in 2024), and 39.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
60.6%
Return on assets
26.2%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
1 d early
2023
12 d late
2022
68 d early
2021
3 d early
2020
10 d late
2019
35 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
08-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€181k▲ 76.5%
2024 · €102k
2018: €31k
2019: €29k
2020: €35k
2021: €40k
2022: €54k
2023: €58k
2024: €102k
2018 → 2025
Total assets
€298k▲ 55.0%
2024 · €192k
2018: €144k
2019: €121k
2020: €121k
2021: €121k
2022: €139k
2023: €138k
2024: €192k
2018 → 2025
Net result
€78k▲ 75.2%
2024 · €45k
2018: €-3k
2019: €-3k
2020: €6k
2021: €6k
2022: €13k
2023: €16k
2024: €45k
2018 → 2025
Working capital
€157k▲ 103%
2024 · €78k
2018: €85k
2019: €77k
2020: €77k
2021: €69k
2022: €31k
2023: €42k
2024: €78k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€54k▲ 33.1%€58k▲ 7.7%€102k▲ 77.4%€181k▲ 76.5%
Operating result€12k-€21k▲ 75.0%€27k▲ 29.1%€59k▲ 123%€118k▲ 98.1%
Net result€6k-€13k▲ 136%€16k▲ 22.3%€45k▲ 174%€78k▲ 75.2%
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 98% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €298k
Fixed assets
€62k▼ 11.7%
Current assets
€236k▲ 93.2%
Equity and liabilities €298k
Equity
€181k▲ 76.5%
Debt
€118k▲ 30.6%
The debt ratio falls from 46.8% to 39.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€132k▲
2024 · €73k
Cash flow
€92k▲
2024 · €58k
Solvency
60.6%▲
2024 · 53.2%
Current ratio
2.99▲
2024 · 2.73
Quick ratio
2.99▲
2024 · 2.73
Debt / equity
0.65▼
2024 · 0.88
ROE
43.3%▼
2024 · 43.6%
ROA
26.2%▲
2024 · 23.2%
Interest coverage
-540.65▼
2024 · 66.05
Debt
€118k▲
2024 · €90k
Debt ≤ 1 year
€79k▲
2024 · €45k
Debt > 1 year
€28k▼
2024 · €35k
Income taxes
€40k▲
2024 · €14k
Staff costs
€476
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€192k€298k▲
Fixed assets21/28€70k€62k▼
Tangible fixed assets22/27€70k€62k▼
Land and buildings22€50k€50k▲
Plant, machinery and equipment23€1k€8k▲
Furniture and vehicles24€19k€3k▼
Current assets29/58€122k€236k▲
Amounts receivable within one year40/41€8k€0▼
Trade receivables40€8k€0▼
Cash at bank and in hand54/58€67k€191k▲
Deferred charges and accrued income490/1€47k€46k▼
Equity and liabilities
Total equity and liabilities10/49€192k€298k▲
Equity10/15€102k€181k▲
Contributions10/11€19k€19k=
Reserves13€84k€162k▲
Distributable reserves133€84k€162k▲
Profit (loss) carried forward14€68€71▲
Amounts payable17/49€90k€118k▲
Amounts payable after more than one year17€35k€28k▼
Financial debts170/4€35k€28k▼
Amounts payable within one year42/48€45k€79k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€30k€58k▲
Taxes450/3€30k€58k▲
Other amounts payable47/48€4k€14k▲
Accrued charges and deferred income492/3€11k€10k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€476
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€77k€134k▲
Operating profit (loss)9901€59k€118k▲
Financial income75/76B€0€11▲
Recurring financial income75€0€11▲
Financial charges65/66B€1k€-244▼
Recurring financial charges65€1k€-244▼
Profit (loss) for the period before taxes9903€58k€118k▲
Income taxes67/77€14k€40k▲
Profit (loss) for the period9904€45k€78k▲
Profit (loss) for the period to be appropriated9905€45k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€78k▲
Profit (loss) brought forward from the previous period14P€36€68▲
Transfer from equity791/2€0-
Transfer to equity691/2€45k€78k▲
To other reserves6921€45k€78k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (6 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2018net €78k ▲75.2%
Operating result €118k, net result €78k, both a record.
31-12
Financial
Equity above €150kEq €181k ▲76.5%
6 profitable years in a row build equity to €181k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €102k ▲77.4%
5 profitable years in a row build equity to €102k.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
24-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-06
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.
0 of 5 acts read
About the unread acts
We know of 5 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
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, Lubbeek · 1 establishment unit since 2010
Ground area
474 m²
Building footprint
105 m²
Volume, LiDAR
747 m³
Parcel 24063B0324/00M007, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vie Fashion
since 20102.185.860.356
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24063B0324/00M007 | Flanders | 473 m² | 1 · 105 m² | 9.2 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.
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Of 29,863 companies in sector 62200 we hold annual accounts for 18,314. 15,044 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-03-2010
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.