SANDERS-DEMAN

Active

Private limited companyfounded 20251 yr activeRue Léon Desmottes(FB) 31, 7911 Frasnes-lez-Anvaing, BelgiumKBO/BCE: BE 1020.723.476

SANDERS-DEMAN has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €16k. Its solvency ranks better than 33% of 1287 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

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Checked score

Score 2025

43 / 100

Weak

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency1

Growth-

Stability67

Bankruptcy probability, 12 months

1.3% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days only on tighter terms

Liquidity short (current ratio 0.23), and 97.8% of the assets are financed with debt.

How do we compute the score and the probability?

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

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

2.2%

Return on assets

1.6%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 55

Relative position

BE, all sectors

reference

Sector 55

higher

← fewer bankruptcies more bankruptcies →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 1 filing

Deviation from the deadline

2025

3 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€21k

Total assets

€958k

Net result

€16k

Working capital

€-80k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €958k

97.5%

Fixed assets €934k

Current assets €24k

Equity and liabilities €958k

97.8%

Equity €21k

Debt €937k

Debt finances 97.8% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€30k

Cash flow

€24k

Solvency

2.2%

Current ratio

0.23

Quick ratio

0.23

Debt / equity

45.06

ROE

76.0%

ROA

1.6%

Interest coverage

14.12

Debt

€937k

Debt ≤ 1 year

€103k

Debt > 1 year

€833k

Income taxes

€4k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€958k

Fixed assets21/28€934k

Tangible fixed assets22/27€934k

Land and buildings22€896k

Furniture and vehicles24€39k

Current assets29/58€24k

Amounts receivable within one year40/41€23k

Other amounts receivable41€23k

Cash at bank and in hand54/58€482

Equity and liabilities

Total equity and liabilities10/49€958k

Equity10/15€21k

Contributions10/11€5k

Profit (loss) carried forward14€16k

Amounts payable17/49€937k

Amounts payable after more than one year17€833k

Financial debts170/4€643k

Other amounts payable178/9€190k

Amounts payable within one year42/48€103k

Current portion of amounts payable after more than one year42€94k

Trade debts44€0

Suppliers440/4€0

Taxes, remuneration and social security45€9k

Taxes450/3€5k

Remuneration and social security454/9€4k

Accrued charges and deferred income492/3€332

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k

Gross operating margin9900€30k

Operating profit (loss)9901€22k

Financial charges65/66B€2k

Recurring financial charges65€2k

Profit (loss) for the period before taxes9903€20k

Income taxes67/77€4k

Profit (loss) for the period9904€16k

Profit (loss) for the period to be appropriated9905€16k

Appropriation of the result

Profit (loss) to be appropriated9906€16k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 1Filings 1

2026

03-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 3 days late

NBB filing

Directors · office · real estate

Directors

2 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, Frasnes-lez-Anvaing · 2 establishment units since 2025

establishment All 2 establishment units on the map

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 Léon Desmottes(FB) 317911 Frasnes-lez-Anvaing

Ground area

1,171 m²

Building footprint

171 m²

Volume, LiDAR

1,534 m³

2 parcels, Wallonia · tallest building 14.3 m, ±3 floors. Linked by address, not a title deed.

2 establishment units

SANDERS-DEMAN

Rue Léon Desmottes(FB) 31, 7911 Frasnes-lez-AnvaingHuman health activities

since 20252.370.958.429

SANDERS-DEMAN

Rue Caluyères(FB) 5, 7911 Frasnes-lez-AnvaingGuest rooms (bed and breakfast)

since 20252.389.657.257

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
51022D0509/00V002	Wallonia	1,069 m²	1 · 151 m²	14.3 m · 3 fl.
51022D0379/00F000	Wallonia	102 m²	1 · 20 m²	-

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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Frasnes-lez-Anvaing2.370.958.429

2 permissions

Toelating · Eetgelegenheid · since 12-02-2026

Kamer met ontbijt · since 12-02-2026

Similar companies · same sector, comparable size

Sint-Genesius-Rode · Eq €20k

Of 1,856 companies in sector 55204 we hold annual accounts for 449. 295 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded06-03-2025

Fiscal year end31-12

Activities, NACEBEL

55204Guest rooms (bed and breakfast)

47110Non-specialised retail sale with food, beverages or tobacco predominating

47252Retail sale of beverages, general range

56112Limited-service restaurants, excluding mobile food services

77210Renting and leasing of sports and recreation goods

96230Day spas, saunas and steam baths

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.