SANDERMANS MOVING
ActiveSummary
SANDERMANS MOVING has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €112k and a net result of €-4k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 36% of 1306 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability35▼-30
Solvency51▼-9
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.85 against 2.06 in 2023; short-term debt: 59.2% and cash: 2.2% of total assets), and 73.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 52
Relative position
BE, all sectors
reference
Sector 52
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 · 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 2024Solvency, return and age of the figures
Solvency
26.3%
Return on assets
-1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 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
not confirmed
2024
31 d late
2023
29 d late
2022
122 d late
2021
31 d late
2020
122 d late
2019
61 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€0
EBIT margin
Not included in this filing
Net result
€-4k
2023 · €9k
2018: €-19k
2019: €-20k
2020: €39k
2021: €26k
2022: €2k
2023: €9k
2018 → 2024
Working capital
€-38k
2023 · €147k
2018: €85k
2019: €55k
2020: €41k
2021: €59k
2022: €65k
2023: €147k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€103k-€106k▲ 2.9%€108k▲ 2.3%€117k▲ 8.0%€112k▼ 3.7%
Operating result€47k-€34k▼ 27.9%€10k▼ 69.8%€26k▲ 151%€8k▼ 70.6%
Net result€39k-€26k▼ 32.7%€2k▼ 90.8%€9k▲ 261%€-4k
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 71% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €428k
Fixed assets
€213k ▲ 317%
Current assets
€215k ▼ 25.0%
Equity and liabilities €428k
Equity
€112k ▼ 3.7%
Debt
€316k ▲ 42.9%
Debt's share of the balance-sheet total rises from 65.4% to 73.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€24k▼
2023 · €39k
Cash flow
€12k▼
2023 · €22k
Current ratio
0.85▼
2023 · 2.06
Debt to equity
2.81▲
2023 · 1.89
ROE
-3.9%▼
2023 · 7.4%
ROA
-1.0%▼
2023 · 2.6%
Interest coverage
2.15▼
2023 · 5.15
Debt ≤ 1 year
€253k▲
2023 · €139k
Debt > 1 year
€62k▼
2023 · €82k
Income taxes
€1k▼
2023 · €10k
Staff costs
€3k▲
2023 · €2k
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 · 2024 against 2023 · 55 lines
Balance sheet
Code20232024
Assets
Total assets20/58€338k€428k▲
Fixed assets21/28€51k€213k▲
Intangible fixed assets21€2k€970▼
Tangible fixed assets22/27€49k€212k▲
Plant, machinery and equipment23€44k€50k▲
Furniture and vehicles24€5k€162k▲
Leasing and similar rights25€0€0=
Financial fixed assets28€130€130=
Current assets29/58€286k€215k▼
Amounts receivable after more than one year29€113k€66k▼
Other amounts receivable291€113k€66k▼
Amounts receivable within one year40/41€63k€139k▲
Trade receivables40€47k€82k▲
Other amounts receivable41€16k€57k▲
Cash at bank and in hand54/58€104k€10k▼
Deferred charges and accrued income490/1€6k-
Equity and liabilities
Total equity and liabilities10/49€338k€428k▲
Equity10/15€117k€112k▼
Contributions10/11€62k€62k=
Reserves13€18k€18k=
Non-distributable reserves130/1€6k-
Reserves not available under the articles1311€6k-
Distributable reserves133€12k€18k▲
Profit (loss) carried forward14€37k€33k▼
Amounts payable17/49€221k€316k▲
Amounts payable after more than one year17€82k€62k▼
Financial debts170/4€82k€62k▼
Amounts payable within one year42/48€139k€253k▲
Current portion of amounts payable after more than one year42€18k€19k▲
Financial debts43€25k€30k▲
Credit institutions430/8€25k€30k▲
Trade debts44€9k€4k▼
Suppliers440/4€9k€4k▼
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€0€0=
Other amounts payable47/48€86k€198k▲
Income statement
Code20232024
Remuneration, social security and pensions62€2k€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€5k-
Other operating charges640/8€4k€3k▼
Gross operating margin9900€51k€29k▼
Operating profit (loss)9901€26k€8k▼
Financial income75/76B€83€458▲
Recurring financial income75€83€458▲
Financial charges65/66B€8k€11k▲
Recurring financial charges65€8k€11k▲
Profit (loss) for the period before taxes9903€18k€-3k▼
Income taxes67/77€10k€1k▼
Profit (loss) for the period9904€9k€-4k▼
Profit (loss) for the period to be appropriated9905€9k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€33k▼
Profit (loss) brought forward from the previous period14P€37k€37k=
Transfer to equity691/2€9k-
To contributions691€9k-
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
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 122 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 122 days late
2020
31-12
Financial
Back to profitnet €39k
Net result €39k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €103k ▲9.1%
Equity rises from €94k to €103k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 61 days late
2019
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 48 days late
2018
16-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 77 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 92 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
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, Nivelles · 1 establishment unit since 1996
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 Joseph-Wauters 551400 NivellesGround area
5,115 m²
Building footprint
2,075 m²
Volume, LiDAR
14,002 m³
2 parcels, Flanders, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Brixtonlaan 3C, 1930 Zaventem
since 19962.079.543.507
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23772B0176/00E000 | Flanders | 4,984 m² | 1 · 1,999 m² | 7.7 m · 2 fl. |
| 25072B0160/00N003 | Wallonia | 130 m² | 1 · 76 m² | 11.6 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
FLANDRA
BE 0833.512.783
Schaarbeek · Eq €112,541
ZIMPO
BE 0685.500.978
Merchtem · Eq €111,957
K-Trans Logistics
BE 0604.998.205
Florennes · Eq €111,898
XS-CARGO
BE 0630.938.379
Rijkevorsel · Eq €111,810
DEHERTOGH GUIDO
BE 0439.957.158
Puurs-Sint-Amands · Eq €112,968
Of 3,190 companies in sector 52250 we hold annual accounts for 1,955. 1,376 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
Founded20-11-1996
Fiscal year end31-12
Activities, NACEBEL 2025
52250Logistics services
49420Removal services
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.