SanEm Consulting
ActiveSanEm Consulting has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €77k and a net result of €47k. Equity is growing by ~36.2% per year across the filed fiscal years. Its solvency ranks better than 20% of 37968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability83▲+8
Solvency44▲+8
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 0.91 in 2023; short-term debt: 11.8% and cash: 12.5% of total assets), and 80.9% 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 →
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 · 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
19.1%
Return on assets
11.7%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 37968 sector peers (2024).
NBB · sector comparisonPosition among 37968 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-06-2025, 33 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
33 d early
2023
27 d early
2022
31 d early
2021
3 d early
2020
33 d early
2019
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€77k▲ 61.3%
2023 · €48k
2019: €30k
2020: €13k
2021: €11k
2022: €41k
2023: €48k
2019 → 2024
Total assets
€403k▼ 3.3%
2023 · €417k
2019: €75k
2020: €93k
2021: €287k
2022: €438k
2023: €417k
2019 → 2024
Net result
€47k▲ 120%
2023 · €21k
2019: €24k
2020: €-17k
2021: €-2k
2022: €30k
2023: €21k
2019 → 2024
Working capital
€15k
2023 · €-5k
2019: €36k
2020: €6k
2021: €-5k
2022: €-3k
2023: €-5k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€13k-€11k▼ 13.8%€41k▲ 272%€48k▲ 15.0%€77k▲ 61.3%
Operating result€-13k-€6k€46k▲ 611%€41k▼ 10.8%€72k▲ 77.0%
Net result€-17k-€-2k▲ 89.6%€30k€21k▼ 29.4%€47k▲ 120%
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 2024; 2024 is 77% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €403k
Fixed assets
€340k▼ 5.9%
Current assets
€63k▲ 13.9%
Equity and liabilities €403k
Equity
€77k▲ 61.3%
Debt
€326k▼ 11.6%
The debt ratio falls from 88.6% to 80.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€98k▲
2023 · €68k
Cash flow
€73k▲
2023 · €49k
Solvency
19.1%▲
2023 · 11.4%
Current ratio
1.32▲
2023 · 0.91
Quick ratio
1.32▲
2023 · 0.91
Debt / equity
4.25▼
2023 · 7.75
ROE
61.4%▲
2023 · 44.9%
ROA
11.7%▲
2023 · 5.1%
Interest coverage
9.99▲
2023 · 7.02
Debt
€326k▼
2023 · €369k
Debt ≤ 1 year
€48k▼
2023 · €61k
Debt > 1 year
€276k▼
2023 · €305k
Income taxes
€15k▲
2023 · €10k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€417k€403k▼
Fixed assets21/28€361k€340k▼
Tangible fixed assets22/27€361k€340k▼
Land and buildings22€355k€336k▼
Furniture and vehicles24€6k€4k▼
Current assets29/58€55k€63k▲
Amounts receivable within one year40/41€22k€9k▼
Trade receivables40€20k€8k▼
Other amounts receivable41€1k€528▼
Cash at bank and in hand54/58€30k€50k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€417k€403k▼
Equity10/15€48k€77k▲
Contributions10/11€19k€19k=
Reserves13€29k€58k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€27k€56k▲
Amounts payable17/49€369k€326k▼
Amounts payable after more than one year17€305k€276k▼
Financial debts170/4€247k€222k▼
Other amounts payable178/9€59k€54k▼
Amounts payable within one year42/48€61k€48k▼
Current portion of amounts payable after more than one year42€26k€24k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€16k€10k▼
Taxes450/3€16k€10k▼
Other amounts payable47/48€15k€12k▼
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€26k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€70k€101k▲
Operating profit (loss)9901€41k€72k▲
Financial income75/76B€17€55▲
Recurring financial income75€17€55▲
Financial charges65/66B€10k€10k▲
Recurring financial charges65€10k€10k▲
Profit (loss) for the period before taxes9903€31k€62k▲
Income taxes67/77€10k€15k▲
Profit (loss) for the period9904€21k€47k▲
Profit (loss) for the period to be appropriated9905€21k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€47k▲
Transfer from equity791/2€6k-
Transfer to equity691/2-€29k
To other reserves6921-€29k
Profit to be distributed694/7€28k€18k▼
Return on contributions (dividend)694€28k€18k▼
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
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €47k ▲120%
Operating result €72k, net result €47k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €30k
Net result €30k after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-17k ▼172%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
26-06
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, La Bruyère · 1 establishment unit since 2019
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 Trieux-des-Frênes, Emines 285080 La BruyèreGround area
960 m²
Building footprint
162 m²
Volume, LiDAR
1,048 m³
Parcel 92036B0515/00B002, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SanEm Consulting
since 20192.287.077.579
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92036B0515/00B002 | Wallonia | 960 m² | 1 · 162 m² | 8.1 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 82,524 companies in sector 70200 we hold annual accounts for 52,566. 39,957 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.