SANI JORIS
ActiveSummary
SANI JORIS has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €380k and a net result of €6k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 74% of 7838 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability54▼-24
Solvency90▼-9
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.11 against 7.21 in 2024; short-term debt: 19.5% and cash: 4.2% of total assets), and 35.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
64.7%
Return on assets
1%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
4 d late
2023
77 d late
2022
106 d late
2021
3 d late
2020
94 d late
2019
32 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€380k▼ 29.2%
2024 · €537k
Total assets
€588k▼ 19.1%
2024 · €726k
Net result
€6k▼ 89.0%
2024 · €54k
Working capital
€243k▼ 41.9%
2024 · €418k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€44k€9k▼ 79.3%€63k▲ 599%€85k▲ 34.9%€19k▼ 77.6%
Net result€23k€-1k€32k€54k▲ 69.3%€6k▼ 89.0%
Equity€452k▲ 4.9%€450k▼ 0.4%€482k▲ 7.1%€537k▲ 11.3%€380k▼ 29.2%
Total assets€814k▲ 9.1%€803k▼ 1.4%€848k▲ 5.6%€726k▼ 14.3%€588k▼ 19.1%
Debt€363k▲ 14.9%€353k▼ 2.6%€366k▲ 3.5%€190k▼ 48.1%€208k▲ 9.4%
Working capital€377k▲ 5.9%€387k▲ 2.6%€406k▲ 4.8%€418k▲ 3.0%€243k▼ 41.9%
Staff (FTE)5.6=2▼ 64.3%2.2▲ 10.0%2.7▲ 22.7%2▼ 25.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 78% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €588k
Fixed assets
€230k ▼ 4.7%
Current assets
€358k ▼ 26.2%
Equity and liabilities €588k
Equity
€380k ▼ 29.2%
Debt
€208k ▲ 9.4%
Debt's share of the balance-sheet total rises from 26.1% to 35.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€33k▼
2024 · €99k
Cash flow
€20k▼
2024 · €68k
Current ratio
3.11▼
2024 · 7.21
Quick ratio
2.99▼
2024 · 6.89
Debt to equity
0.55▲
2024 · 0.35
ROE
1.6%▼
2024 · 10.1%
ROA
1.0%▼
2024 · 7.5%
Interest coverage
4.09▼
2024 · 13.98
Debt ≤ 1 year
€115k▲
2024 · €67k
Debt > 1 year
€91k▼
2024 · €120k
Income taxes
€4k▼
2024 · €23k
Staff costs
€155k▼
2024 · €184k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €169k | €132k | €157k | €184k | €155k | ▼ 15.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €24k | €18k | €18k | €14k | €14k | ▲ 4.1% |
| Other operating charges640/8 | €5k | €8k | €6k | €5k | €5k | ▼ 5.2% |
| Gross operating margin9900 | €242k | €167k | €245k | €288k | €194k | ▼ 32.6% |
| Operating profit (loss)9901 | €44k | €9k | €63k | €85k | €19k | ▼ 77.6% |
| Financial income75/76B | €83 | - | - | - | €1k | - |
| Recurring financial income75 | €83 | - | - | - | €1k | - |
| Financial charges65/66B | €6k | €8k | €16k | €7k | €11k | ▲ 42.8% |
| Recurring financial charges65 | €6k | €8k | €9k | €7k | €8k | ▲ 15.6% |
| Non-recurring financial charges66B | €250 | - | €8k | €400 | €2k | ▲ 524% |
| Profit (loss) for the period before taxes9903 | €38k | €1k | €47k | €78k | €10k | ▼ 87.7% |
| Income taxes67/77 | €15k | €3k | €15k | €23k | €4k | ▼ 84.6% |
| Profit (loss) for the period9904 | €23k | €-1k | €32k | €54k | €6k | ▼ 89.0% |
| Profit (loss) for the period to be appropriated9905 | €23k | €-1k | €32k | €54k | €6k | ▼ 89.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €814k | €803k | €848k | €726k | €588k | ▼ 19.1% |
| Fixed assets21/28 | €282k | €270k | €251k | €241k | €230k | ▼ 4.7% |
| Tangible fixed assets22/27 | €282k | €270k | €251k | €241k | €230k | ▼ 4.7% |
| Land and buildings22 | €250k | €243k | €236k | €229k | €223k | ▼ 3.0% |
| Plant, machinery and equipment23 | €3k | €8k | €6k | €4k | €2k | ▼ 35.5% |
| Furniture and vehicles24 | €28k | €19k | €9k | €8k | €5k | ▼ 39.2% |
| Current assets29/58 | €533k | €533k | €596k | €485k | €358k | ▼ 26.2% |
| Stocks and contracts in progress3 | €7k | €17k | €15k | €21k | €14k | ▼ 33.5% |
| Stocks30/36 | €7k | €17k | €15k | €21k | €14k | ▼ 33.5% |
| Amounts receivable within one year40/41 | €497k | €466k | €558k | €418k | €316k | ▼ 24.4% |
| Trade receivables40 | €439k | €407k | €510k | €255k | €247k | ▼ 3.1% |
| Other amounts receivable41 | €58k | €59k | €48k | €163k | €69k | ▼ 57.9% |
| Current investments50/53 | €5k | €5k | €5k | €5k | - | - |
| Cash at bank and in hand54/58 | €21k | €2k | €15k | €36k | €25k | ▼ 31.4% |
| Deferred charges and accrued income490/1 | €3k | €43k | €3k | €5k | €3k | ▼ 29.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €814k | €803k | €848k | €726k | €588k | ▼ 19.1% |
| Equity10/15 | €452k | €450k | €482k | €537k | €380k | ▼ 29.2% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €185k | €185k | €464k | €518k | €362k | ▼ 30.2% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | - | - | - |
| Distributable reserves133 | €184k | €184k | €462k | €518k | €362k | ▼ 30.2% |
| Profit (loss) carried forward14 | €248k | €246k | - | - | - | - |
| Amounts payable17/49 | €363k | €353k | €366k | €190k | €208k | ▲ 9.4% |
| Amounts payable after more than one year17 | €184k | €200k | €151k | €120k | €91k | ▼ 24.1% |
| Financial debts170/4 | €184k | €200k | €151k | €120k | €91k | ▼ 24.1% |
| Amounts payable within one year42/48 | €155k | €146k | €190k | €67k | €115k | ▲ 70.7% |
| Current portion of amounts payable after more than one year42 | €27k | €34k | €35k | €48k | €46k | ▼ 3.3% |
| Financial debts43 | - | €5k | €15k | - | - | - |
| Credit institutions430/8 | - | €5k | €15k | - | - | - |
| Trade debts44 | €96k | €82k | €96k | - | €6k | - |
| Suppliers440/4 | €96k | €82k | €96k | - | €6k | - |
| Taxes, remuneration and social security45 | €32k | €25k | €44k | €20k | €16k | ▼ 17.7% |
| Taxes450/3 | €11k | €3k | - | €8k | €3k | ▼ 68.4% |
| Remuneration and social security454/9 | €21k | €22k | €44k | €11k | €14k | ▲ 20.2% |
| Other amounts payable47/48 | - | - | - | - | €47k | - |
| Accrued charges and deferred income492/3 | €23k | €7k | €24k | €2k | €1k | ▼ 35.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23k | €-1k | €32k | €54k | €6k | ▼ 89.0% |
| + Depreciation and write-downs630 | €24k | €18k | €18k | €14k | €14k | ▲ 4.1% |
| Operating cash flow (approximation) | €46k | €16k | €51k | €68k | €20k | ▼ 70.2% |
| Investment in fixed assets (approximation) | - | €-6k | €0 | €-4k | €-3k | ▲ 23.5% |
| Change in cash | - | €-19k | €13k | €20k | €-11k | ▼ 155% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
2024
31-12
Financial
Highest result since 2018net €54k ▲69.3%
Operating result €85k, net result €54k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 7.21
Current ratio from 3.13 to 7.21; short-term debt falls from €190k to €67k.
31-12
Financial
Equity above €500kEq €537k ▲11.3%
2 profitable years in a row build equity to €537k.
16-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 77 days late
2023
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
14-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 106 days late
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
2021
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
02-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 94 days late
2020
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
Show earlier events
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 9.54
Current ratio from 3.91 to 9.54; short-term debt falls from €112k to €67k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Schoten · 1 establishment unit since 1996
Ground area
70 m²
Building footprint
45 m²
Volume, LiDAR
389 m³
Parcel 11040D0397/00K038, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SANI JORIS
since 19962.074.956.001
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0397/00K038 | Flanders | 70 m² | 1 · 45 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 7,044 companies in sector 43221 we hold annual accounts for 3,472. 2,550 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-11-1995
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43410Roofing work
Contact
Phone
032326776Schoten
Scores and ratios are computed by Checked and are not a credit decision.