SANEV
ActiveThe computed 12-month bankruptcy probability of SANEV is 2.5% (moderate). The 2024 annual accounts show equity of €81k and a net result of €-6k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 95% of 36383 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
62
/ 100
Healthy▲ +15 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency100▲+37
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 349.59 against 1.49 in 2023), and 0.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
99.7%
Return on assets
-7.6%
Age of the figures
20 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
21222324
2021 to 2024 · latest year -€6k
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 14-07-2025, 17 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
17 d early
2023
7 d early
2022
7 d early
2021
5 d early
2020
8 d early
2019
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€81k▼ 7.1%
2023 · €87k
2021: €86k
2022: €88k
2023: €87k
2021 → 2024
Total assets
€81k▼ 69.3%
2023 · €264k
2021: €739k
2022: €759k
2023: €264k
2021 → 2024
Net result
€-6k▼ 905%
2023 · €-618
2021: €1k
2022: €2k
2023: €-618
2021 → 2024
Working capital
€81k▼ 7.1%
2023 · €87k
2021: €86k
2022: €88k
2023: €87k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€86k-€88k▲ 1.8%€87k▼ 0.7%€81k▼ 7.1%
Operating result€6k-€2k▼ 67.5%€-389€-6k▼ 1,450%
Net result€1k-€2k▲ 8.6%€-618€-6k▼ 905%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2024 against €389 in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €81k
Equity
€81k▼ 7.1%
Debt
€232▼ 99.9%
The debt ratio falls from 67.0% to 0.3%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
99.7%▲
2023 · 33.0%
Current ratio
349.59▲
2023 · 1.49
Quick ratio
349.59▲
2023 · 1.49
Debt / equity
0.00▼
2023 · 2.03
ROE
-7.7%▼
2023 · -0.7%
ROA
-7.6%▼
2023 · -0.2%
Debt
€232▼
2023 · €177k
Debt ≤ 1 year
€232▼
2023 · €177k
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
Total assets
20/58€264k€81k▼
Current assets
29/58€264k€81k▼
Amounts receivable within one year
40/41€264k€57k▼
Cash & bank
54/58€516€24k▲
Total equity & liabilities
10/49€264k€81k▼
Equity
10/15€87k€81k▼
Contributions / capital
10/11€12k€12k=
Reserves
13€75k€75k=
Accumulated profits (losses)
14€-618€-7k▼
Amounts payable
17/49€177k€232▼
Amounts payable within one year
42/48€177k€232▼
Trade debts payable within one year
44€24k€232▼
Income statement
Code20232024
Gross operating margin
9900€-280€-5k▼
Operating result
9901€-389€-6k▼
Financial charges
65€181€188▲
Result before taxes
9903€-570€-6k▼
Income taxes
67/77€49-
Net result for the period
9904€-618€-6k▼
Result to be appropriated
9905€-618€-6k▼
Timeline · acts, filings and financial milestones
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series.
31-12
Financial
Liquidity times 234current ratio 349.59
Current ratio from 1.49 to 349.59; short-term debt falls from €177k to €232.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2021net €2k ▲8.6%
Net result €2k, the highest in the series.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
@Stone
BE 0756.798.849
Ledegem · Eq €81k
EURO SUPRA
BE 0860.135.820
Beersel · Eq €81k
DDM
BE 0834.914.731
Vorst · Eq €81k
BATI BELGIUM
BE 0629.839.410
Brussel · Eq €81k
Feluma - Zwembaden op maat/Woningrenovatie A-Z
BE 0780.606.807
As · Eq €81k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,237. 6,098 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-09-2018
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43995Specialised construction activities
41001General construction of residential buildings
43211General electrical installation work
43221Plumbing work
43310Plastering work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 04-09-2026. Scores and ratios are computed by Checked and are not a credit decision.