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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Age2 yrs
Real estate1 parcel · 3,724 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of SANEM Cleaning is 5.2% (elevated). The 2024 annual accounts show equity of €3k and a net result of €3k. Its solvency ranks better than 25% of 1972 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone5.2%
Elevated
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate region
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-06-2025, 50 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 11-06-2025 | 50 d early | 2025-00140179 |
| 31-12-2023 | 31-07-2024 | 06-05-2024 | 86 d early | 2024-00087414 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€3k
Working capital€313
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 11-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 81, Cleaning & landscape services · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 14.9% | 36.6% | |
| Net result | €3k | €10k | |
| Equity | €3k | €29k | |
| Gross operating margin | €29k | €39k | |
| Staff costs | €25k | €34k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€5k
-
23-24
€3k
-
23-24
€4k
-
23-24
€22k
+6429.7%
23-24
€3k
-
23-24
€313
-
23-24
€25k
-
23-24
€519
-
23-24
€19k
+793.6%
23-24
€19k
+793.6%
23-24
1.02
+532.0%
23-24
1.02
+532.0%
23-24
14.9%
-
23-24
5.69
-
23-24
107.3%
+7.3%
23-24
16.0%
-
23-24
9.94
-
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €5k |
| Net profit | €3k |
| Cash flow | €4k |
| Staff costs | €25k |
| Income taxes | €519 |
| Dividends | - |
| Total assets | €22k |
| Equity | €3k |
| Debt | €19k |
| of which ≤ 1y | €19k |
| of which > 1y | - |
| Working capital | €313 |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.02 |
| Quick ratio | 1.02 |
| Working capital ratio | 1.4% |
| Solvency | 14.9% |
| Debt / equity | 5.69 |
| Long-term debt ratio | - |
| Interest coverage | 9.94 |
| Gross margin | - |
| Net margin | - |
| ROA | 16.0% |
| ROE | 107.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €22k |
| Fixed assets | 21/28 | €3k |
| Tangible fixed assets | 22/27 | €3k |
| Current assets | 29/58 | €19k |
| Amounts receivable within one year | 40/41 | €19k |
| Cash & bank | 54/58 | €1 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €22k |
| Equity | 10/15 | €3k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €2k |
| Amounts payable | 17/49 | €19k |
| Amounts payable within one year | 42/48 | €19k |
| Trade debts payable within one year | 44 | €14k |
| Income statement | ||
| Gross operating margin | 9900 | €29k |
| Operating result | 9901 | €4k |
| Financial income | 75 | €4 |
| Financial charges | 65 | €477 |
| Result before taxes | 9903 | €4k |
| Income taxes | 67/77 | €519 |
| Net result for the period | 9904 | €3k |
| Result to be appropriated | 9905 | €3k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2024 · computed76
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationMarsveldplein 5, 1050 Elsene
since 20232.353.440.427
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3,724 m²
Buildings1
Building footprint1,306 m²
Volume (LiDAR)98,133 m³
Tallest building99.0 m · ±27 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21009A0769/00S002 | Brussels | 3,724 m² | 1 · 1,306 m² | 99.0 m · 27 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts Address history · 1
05-02-2025
Registered-office move
All acts · 1
updated 1 year ago
2025
05-02-2025 Registered office moved from Bruxelles to Ixelles
- Square Prince Léopold 32, 1020 Bruxelles → la Place du Champ de Mars 5 - étages 11 & 12, Tour Bastion à 1050 Ixelles
Analysis
Snowflake analysis
financial profile on 5 axes71
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
76
Profitability
100
Solvency
21
Growth
78
Stability
82
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Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 851 of the 7,242 companies in this sector. 429 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Algemene reiniging van gebouwen81210Algemene reiniging van gebouwen81210Overige reiniging van gebouwen; industriële reiniging81220Overige reiniging van gebouwen; industriële reiniging81220Overige reiniging van gebouwen; industriële reiniging81220Overige reiniging van gebouwen; industriële reiniging81220
Primary activity highlighted.
Names & trade names
| Legal nameFR | SANEM Cleaning |
Registered office
Marsveldplein 5
1050 Elsene, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.