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Sander Palma

Active
Private limited companyfounded 20224 years activeHerent 128, 3910 Pelt, BelgiumKBO/BCE: BE 0790.267.314
Summary

The computed 12-month bankruptcy probability of Sander Palma is 3.1% (moderate). The 2025 annual accounts show equity of €8,971 and a net result of €6,621. Equity is growing by ~169% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Overview

Activity
Activity not known1 site
Size
€19,195total assets 2025
Equity
€8,971
Profit
€6,621
Turnover not published (abridged schema)
Financial health
52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
3.1%
Structure
Accounts 43 days early0 of 2 deeds read
Why 52- No main activity registered- Founded in 2022- 1 change of registered office in 24 months+ Figures for FY 2025 (filed 18-06-2026)Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 62% of its sector peers (no NACE code, micro)
Financial strength · tick = 2024
Strong
Solvency 72+35
equity 46.7% of total assets
Liquidity 34-4
short-term debt 53.3% · cash 9.1%
Profitability 100+23
return on assets 34.5%
Bankruptcy probability, 12 months
3.1% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 2.5%lowest value 12-2024: 2.5%● unchanged vs 11-2024lowest value 01-2025: 3.8%▲ +1.3 percentage points vs 12-2024 02-2025: 3.8%● unchanged vs 01-2025 03-2025: 4.0%▲ +0.2 percentage points vs 02-2025 04-2025: 5.0%▲ +1.0 percentage point vs 03-2025 05-2025: 5.1%▲ +0.1 percentage points vs 04-2025 06-2025: 5.5%▲ +0.4 percentage points vs 05-2025 07-2025: 2.8%▼ -2.7 percentage points vs 06-2025 08-2025: 2.8%● unchanged vs 07-2025 09-2025: 2.8%● unchanged vs 08-2025 10-2025: 2.8%● unchanged vs 09-2025 11-2025: 2.8%● unchanged vs 10-2025 12-2025: 2.8%● unchanged vs 11-2025 01-2026: 2.8%● unchanged vs 12-2025 02-2026: 2.8%● unchanged vs 01-2026 03-2026: 2.8%● unchanged vs 02-2026 04-2026: 3.7%▲ +0.9 percentage points vs 03-2026 05-2026: 4.5%▲ +0.8 percentage points vs 04-2026 06-2026: 4.9%▲ +0.4 percentage points vs 05-2026 07-2026: 5.1%▲ +0.2 percentage points vs 06-2026 08-2026: 5.5%▲ +0.4 percentage points vs 07-2026 09-2026: 5.7%▲ +0.2 percentage points vs 08-2026highest value 10-2026: 3.1%▼ -2.6 percentage points vs 09-2026
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 42% on solvency, 19% on liquidity, 90% on profitability and 97% on growth.

The bankruptcy probability was computed on 07-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
raises risk · No main activity registered
KBO
raises risk · Founded in 2022
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
lowers risk · Figures for FY 2025 (filed 18-06-2026)
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian State Gazette
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 18-06-2026, 43 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
43 days early
2024
36 days early
2023
36 days early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 3 accounts on average 38 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

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. Usually files around 25 June (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
08-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Highest result since 2023net €6,621 ▲399%
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Total assets 20253 fiscal years filed €19,195 View
  • Active since 2022founded 31-08-2022 4 years View

By topic

Financials

Fiscal year
2025
Total assets
€19,195
Profit
€6,621
Solvency
46.7%
Total assets▼ 5.9%
Net result
20232025
Go to Financials

Timeline

Events
5
Since
2024
Next accounts
by 31-07-2027
  1. 31-12-2024Back to profit
  2. 25-06-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Founded
31-08-2022
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

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