SANI-Q
ActiveThe computed 12-month bankruptcy probability of SANI-Q is 2.2% (moderate). The 2025 annual accounts show equity of €89k and a net result of €40k. Equity is growing by ~52% per year across the filed fiscal years. Its solvency ranks better than 87% of 27676 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+9
Solvency100=
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 5.24 against 3.43 in 2024; short-term debt: 17.9% and cash: 66.6% of total assets), and 17.9% 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.
−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
82.1%
Return on assets
36.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
40 d early
2024
59 d early
2023
58 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€89k▲ 80.8%
2024 · €49k
2023: €38k
2024: €49k
2023 → 2025
Total assets
€108k▲ 65.5%
2024 · €65k
2023: €60k
2024: €65k
2023 → 2025
Net result
€40k▲ 247%
2024 · €11k
2023: €33k
2024: €11k
2023 → 2025
Working capital
€82k▲ 108%
2024 · €39k
2023: €28k
2024: €39k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€38k-€49k▲ 30.3%€89k▲ 80.8%
Operating result€49k-€17k▼ 65.8%€55k▲ 234%
Net result€33k-€11k▼ 65.1%€40k▲ 247%
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 2025; 2025 is 234% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €108k
Fixed assets
€7k▼ 30.6%
Current assets
€101k▲ 82.1%
Equity and liabilities €108k
Equity
€89k▲ 80.8%
Debt
€19k▲ 19.3%
The debt ratio falls from 24.8% to 17.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€58k▲
2024 · €19k
Cash flow
€42k▲
2024 · €14k
Solvency
82.1%▲
2024 · 75.2%
Current ratio
5.24▲
2024 · 3.43
Quick ratio
4.88▲
2024 · 3.11
Debt / equity
0.22▼
2024 · 0.33
ROE
44.7%▲
2024 · 23.2%
ROA
36.7%▲
2024 · 17.5%
Interest coverage
193.76▼
2024 · 362.92
Debt
€19k▲
2024 · €16k
Debt ≤ 1 year
€19k▲
2024 · €16k
Income taxes
€16k▲
2024 · €5k
Staff costs
€2k=
2024 · €2k
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€65k€108k▲
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€10k€7k▼
Furniture and vehicles24€10k€7k▼
Current assets29/58€56k€101k▲
Stocks and contracts in progress3€5k€7k▲
Stocks30/36€5k€7k▲
Amounts receivable within one year40/41€10k€22k▲
Trade receivables40€3k€8k▲
Other amounts receivable41€7k€14k▲
Cash at bank and in hand54/58€40k€72k▲
Deferred charges and accrued income490/1-€993
Equity and liabilities
Total equity and liabilities10/49€65k€108k▲
Equity10/15€49k€89k▲
Contributions10/11€5k€5k=
Reserves13€44k€83k▲
Non-distributable reserves130/1€44k€83k▲
Reserves not available under the articles1311€44k€83k▲
Profit (loss) carried forward14€41€85▲
Amounts payable17/49€16k€19k▲
Amounts payable within one year42/48€16k€19k▲
Financial debts43€6k€6k▼
Credit institutions430/8€6k€6k▼
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€1k€7k▲
Taxes450/3€1k€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€973€1k▲
Gross operating margin9900€22k€62k▲
Operating profit (loss)9901€17k€55k▲
Financial income75/76B€0€28▲
Recurring financial income75€0€28▲
Financial charges65/66B€53€301▲
Recurring financial charges65€53€301▲
Profit (loss) for the period before taxes9903€17k€55k▲
Income taxes67/77€5k€16k▲
Profit (loss) for the period9904€11k€40k▲
Profit (loss) for the period to be appropriated9905€11k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€40k▲
Profit (loss) brought forward from the previous period14P€7€41▲
Transfer to equity691/2€11k€40k▲
To other reserves6921€11k€40k▲
The notes to these accounts (4 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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2023net €40k ▲247%
Operating result €55k, net result €40k, both a record.
2024
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €11k ▼65.1%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Puurs-Sint-Amands · 1 establishment unit since 2022
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.
Vrijhalsweg 22870 Puurs-Sint-AmandsGround area
593 m²
Building footprint
222 m²
Volume, LiDAR
1,083 m³
Parcel 12008A0244/00E002, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SANI-Q
since 20222.332.802.290
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12008A0244/00E002 | Flanders | 593 m² | 1 · 222 m² | 7.1 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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BE 1003.819.445
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GME CHAUFFAGE
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,884 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2022
Fiscal year end30-06
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
41001General construction of residential buildings
43221Plumbing work
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.