SANI-LEC
ActiveThe computed 12-month bankruptcy probability of SANI-LEC is 2.1% (moderate). The 2025 annual accounts show equity of €47k and a net result of €15k. Equity is growing by ~42.9% per year across the filed fiscal years. Its solvency ranks better than 20% of 27451 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-24
Solvency44▼-15
Growth78=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.22 in 2024; short-term debt: 81.5% and cash: 11% of total assets), and 81.5% 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
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 →
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
18.5%
Return on assets
5.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 27451 sector peers (2025).
NBB · sector comparisonPosition among 27451 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
30 d late
2024
25 d late
2023
118 d late
2022
133 d late
2021
72 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▲ 46.1%
2024 · €32k
2021: €4k
2022: €13k
2023: €24k
2024: €32k
2021 → 2025
Total assets
€256k▲ 165%
2024 · €96k
2021: €7k
2022: €21k
2023: €132k
2024: €96k
2021 → 2025
Net result
€15k▼ 48.3%
2024 · €29k
2021: €4k
2022: €9k
2023: €25k
2024: €29k
2021 → 2025
Working capital
€36k▲ 151%
2024 · €14k
2021: €4k
2022: €5k
2023: €7k
2024: €14k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€13k▲ 222%€24k▲ 80.0%€32k▲ 37.7%€47k▲ 46.1%
Operating result€4k-€13k▲ 253%€33k▲ 166%€40k▲ 20.1%€24k▼ 39.7%
Net result€4k-€9k▲ 154%€25k▲ 182%€29k▲ 13.4%€15k▼ 48.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €256k
Fixed assets
€12k▼ 35.8%
Current assets
€244k▲ 212%
Equity and liabilities €256k
Equity
€47k▲ 46.1%
Debt
€208k▲ 226%
The debt ratio rises from 66.4% to 81.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k▼
2024 · €47k
Cash flow
€25k▼
2024 · €36k
Solvency
18.5%▼
2024 · 33.6%
Current ratio
1.17▼
2024 · 1.22
Quick ratio
1.17▼
2024 · 1.22
Debt / equity
4.40▲
2024 · 1.97
ROE
31.6%▼
2024 · 89.1%
ROA
5.8%▼
2024 · 30.0%
Interest coverage
21.28▲
2024 · 13.75
Debt
€208k▲
2024 · €64k
Debt ≤ 1 year
€208k▲
2024 · €64k
Income taxes
€8k▼
2024 · €8k
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€96k€256k▲
Fixed assets21/28€18k€12k▼
Tangible fixed assets22/27€18k€12k▼
Plant, machinery and equipment23-€3k
Furniture and vehicles24€18k€9k▼
Current assets29/58€78k€244k▲
Amounts receivable within one year40/41€65k€216k▲
Trade receivables40€29k€210k▲
Other amounts receivable41€36k€6k▼
Cash at bank and in hand54/58€13k€28k▲
Deferred charges and accrued income490/1€134-
Equity and liabilities
Total equity and liabilities10/49€96k€256k▲
Equity10/15€32k€47k▲
Contributions10/11€500€500=
Profit (loss) carried forward14€32k€47k▲
Amounts payable17/49€64k€208k▲
Amounts payable within one year42/48€64k€208k▲
Trade debts44€18k€69k▲
Suppliers440/4€18k€69k▲
Advances received on contracts in progress46-€102k
Taxes, remuneration and social security45€26k€17k▼
Taxes450/3€25k€17k▼
Remuneration and social security454/9€147-
Other amounts payable47/48€20k€20k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Other operating charges640/8€9k€19k▲
Gross operating margin9900€57k€53k▼
Operating profit (loss)9901€40k€24k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€37k€23k▼
Income taxes67/77€8k€8k▼
Profit (loss) for the period9904€29k€15k▼
Profit (loss) for the period to be appropriated9905€29k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€47k▼
Profit (loss) brought forward from the previous period14P€23k€32k▲
Profit to be distributed694/7€20k-
Directors or managers695€20k-
The notes to these accounts (5 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Highest result since 2021net €29k ▲13.4%
Operating result €40k, net result €29k, both a record.
26-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 118 days late
2023
11-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 133 days late
2022
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 72 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Genesius-Rode · 1 establishment unit since 2021
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.
Lindestraat 421640 Sint-Genesius-RodeGround area
210 m²
Building footprint
89 m²
Volume, LiDAR
707 m³
Parcel 22004C0677/00T000, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SANI-LEC
since 20212.314.765.240
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004C0677/00T000 | Flanders | 210 m² | 1 · 89 m² | 10.1 m · 3 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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HSV TEAM
BE 0754.434.128
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THERMYS
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NB CHAUFFAGE
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Of 7,036 companies in sector 43221 we hold annual accounts for 3,468. 2,954 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-2021
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.