Sandy Aers
ActiveSandy Aers has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €309k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency7▼-93
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.71 against 3.78 in 2024), and 97.1% of the assets are financed with debt.
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
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 →
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
2.9%
Return on assets
31.9%
Age of the figures
8 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 31527 sector peers (2025).
NBB · sector comparisonPosition among 31527 sector peers
Solvency
better than 11%
← weakest
strongest →
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 05-03-2026, 148 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
148 d early
2024
31 d early
2023
15 d early
2022
34 d early
2021
38 d early
2020
38 d early
2019
45 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▼ 92.4%
2024 · €366k
2019: €151k
2020: €247k
2021: €387k
2022: €173k
2023: €222k
2024: €366k
2019 → 2025
Total assets
€970k▲ 92.2%
2024 · €505k
2019: €223k
2020: €358k
2021: €500k
2022: €440k
2023: €573k
2024: €505k
2019 → 2025
Net result
€309k▲ 4.4%
2024 · €296k
2019: €133k
2020: €96k
2021: €139k
2022: €155k
2023: €349k
2024: €296k
2019 → 2025
Working capital
€-172k
2024 · €353k
2019: €145k
2020: €243k
2021: €384k
2022: €173k
2023: €214k
2024: €353k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€387k-€173k▼ 55.2%€222k▲ 28.1%€366k▲ 64.5%€28k▼ 92.4%
Operating result€183k-€205k▲ 12.1%€467k▲ 127%€395k▼ 15.3%€423k▲ 7.0%
Net result€139k-€155k▲ 11.1%€349k▲ 125%€296k▼ 15.1%€309k▲ 4.4%
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 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €970k
Fixed assets
€542k▲ 2,050%
Current assets
€428k▼ 10.8%
Equity and liabilities €970k
Equity
€28k▼ 92.4%
Debt
€942k▲ 577%
The debt ratio rises from 27.6% to 97.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€444k▲
2024 · €403k
Cash flow
€330k▲
2024 · €304k
Solvency
2.9%▼
2024 · 72.4%
Current ratio
0.71▼
2024 · 3.78
Quick ratio
0.71▼
2024 · 3.78
Debt / equity
33.88▲
2024 · 0.38
ROA
31.9%▼
2024 · 58.7%
Interest coverage
31.59▼
2024 · 172.11
Debt
€942k▲
2024 · €139k
Debt ≤ 1 year
€600k▲
2024 · €127k
Debt > 1 year
€342k▲
2024 · €13k
Income taxes
€101k▲
2024 · €97k
A ratio outside any meaningful range has been withheld (balance sheet total €970k, equity €28k).
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€505k€970k▲
Fixed assets21/28€25k€542k▲
Tangible fixed assets22/27€25k€542k▲
Land and buildings22-€513k
Furniture and vehicles24€25k€29k▲
Current assets29/58€480k€428k▼
Amounts receivable within one year40/41€130k€216k▲
Trade receivables40€130k€216k▲
Other amounts receivable41€0€1▲
Cash at bank and in hand54/58€348k€210k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€505k€970k▲
Equity10/15€366k€28k▼
Contributions10/11€19k€19k=
Reserves13€347k€9k▼
Distributable reserves133€347k€9k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€139k€942k▲
Amounts payable after more than one year17€13k€342k▲
Financial debts170/4€13k€342k▲
Amounts payable within one year42/48€127k€600k▲
Current portion of amounts payable after more than one year42€10k€45k▲
Financial debts43€66€613▲
Credit institutions430/8€66€613▲
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€90k€93k▲
Taxes450/3€90k€93k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€22k€460k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€21k▲
Other operating charges640/8€2k€63k▲
Gross operating margin9900€405k€507k▲
Operating profit (loss)9901€395k€423k▲
Financial income75/76B€745€1k▲
Recurring financial income75€745€1k▲
Financial charges65/66B€2k€14k▲
Recurring financial charges65€2k€14k▲
Profit (loss) for the period before taxes9903€394k€410k▲
Income taxes67/77€97k€101k▲
Profit (loss) for the period9904€296k€309k▲
Profit (loss) for the period to be appropriated9905€296k€309k▲
Appropriation of the result
Profit (loss) to be appropriated9906€296k€309k▲
Transfer from equity791/2€153k€347k▲
Transfer to equity691/2€296k€9k▼
To other reserves6921€296k€9k▼
Profit to be distributed694/7€153k€647k▲
Return on contributions (dividend)694€153k€647k▲
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
05-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 3.78
Current ratio from 1.65 to 3.78; short-term debt falls from €329k to €127k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €349k ▲125%
Operating result €467k, net result €349k, both a record.
31-12
Financial
Equity above €200kEq €222k ▲28.1%
5 profitable years in a row build equity to €222k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €96k ▼27.4%
Net result drops to €96k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €247k ▲63.7%
2 profitable years in a row build equity to €247k.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Overijse · 1 establishment unit since 2018
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.
Terhulpensesteenweg 6243090 OverijseGround area
1,712 m²
Building footprint
195 m²
Volume, LiDAR
1,118 m³
Parcel 23543O0005/00B011, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sandy Aers
since 20182.276.499.433
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23543O0005/00B011 | Flanders | 1,712 m² | 1 · 195 m² | 11.7 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 82,215 companies in sector 70200 we hold annual accounts for 52,392. 33,717 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2018
Fiscal year end31-12
Abbreviation NL
SAE
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress 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.