SANI-STORE
ActiveSummary
SANI-STORE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145,330 and a net result of €24,656. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 51% of 10645 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Overview
What they do
Retail trade
NACE 47527
1 site
How big
€385,271total assets 2025
- Staff
- 3 FTE
- Equity
- €145,330
- Profit
- €24,656
Who decides
Accounts 8 d early0 of 7 deeds read
Why 60- Higher-failure-rate region- Higher-failure-rate sector+ Annual accounts: healthy financial profile+ Long track recordLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability77▲+8
Solvency63▲+12
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.33 in 2024; short-term debt: 62.3% and cash: 4.9% of total assets), but 62.3% of the assets are financed with debt.
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Signals
Five 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
37.7%
Return on assets
6.4%
Age of the figures
9 mo
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
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
2 d early
2023
30 d late
2022
60 d late
2021
31 d late
2020
41 d late
2019
98 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 36 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 31 August (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · full…
- Weakest financial yearnet €194 ▼83.3%
Financials
Fiscal year 2025Total assets €385,271Profit €24,656Solvency 37.7%Liquidity 1.58
Total assets
€385,271▼ 16.3%
2018 - 2025
Net result
€24,656▲ 12,628%
2018 - 2025
Equity
€145,330▲ 20.4%
2018 - 2025
Staff (FTE)
3▼ 9.1%
2019 - 2025
Financials · fiscal year 2025, abbreviated schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€13,615▼ 46.5%€23,611▲ 73.4%€10,805▼ 54.2%-€998€11,125
Net result€11,875within the sector's middle half▼ 55.8%€29,022within the sector's middle half▲ 144%€1,159within the sector's middle half▼ 96.0%€194within the sector's middle half▼ 83.3%€24,656within the sector's middle half▲ 12,628%
Equity€90,299within the sector's middle half▲ 15.1%€119,321within the sector's middle half▲ 32.1%€120,480within the sector's middle half▲ 1.0%€120,674within the sector's middle half▲ 0.2%€145,330within the sector's middle half▲ 20.4%
Total assets€500,903within the sector's middle half▲ 13.6%€528,158within the sector's middle half▲ 5.4%€635,333within the sector's middle half▲ 20.3%€460,327below the sector's middle half▼ 27.5%€385,271within the sector's middle half▼ 16.3%
Debt€410,604▲ 13.3%€408,836▼ 0.4%€514,853▲ 25.9%€339,653▼ 34.0%€239,941▼ 29.4%
Working capital€85,450within the sector's middle half▲ 9.5%€108,585within the sector's middle half▲ 27.1%€108,998within the sector's middle half▲ 0.4%€111,338within the sector's middle half▲ 2.1%€138,140within the sector's middle half▲ 24.1%
Solvency18.0%within the sector's middle half▲ 0.2pp22.6%within the sector's middle half▲ 4.6pp19.0%within the sector's middle half▼ 3.6pp26.2%within the sector's middle half▲ 7.3pp37.7%within the sector's middle half▲ 11.5pp
Current ratio1.21within the sector's middle half▼ 0.011.27within the sector's middle half▲ 0.061.21within the sector's middle half▼ 0.051.33within the sector's middle half▲ 0.121.58within the sector's middle half▲ 0.25
Return on assets (ROA)2.4%within the sector's middle half▼ 3.7pp5.5%within the sector's middle half▲ 3.1pp0.2%within the sector's middle half▼ 5.3pp0.0%within the sector's middle half▼ 0.1pp6.4%within the sector's middle half▲ 6.4pp
Staff (FTE)3.1within the sector's middle half▲ 3.3%3.1within the sector's middle half=3.8within the sector's middle half▲ 22.6%3.3within the sector's middle half▼ 13.2%3within the sector's middle half▼ 9.1%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €11,125 after a loss of €998 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €385,271
Fixed assets
€7,190 ▼ 23.0%
Current assets
€378,081 ▼ 16.2%
Equity and liabilities €385,271
Equity
€145,330 ▲ 20.4%
Debt
€239,941 ▼ 29.4%
Debt's share of the balance-sheet total falls from 73.8% to 62.3%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
EBITDA
€13,271▲
2024 · €1,148
Cash flow
€26,802▲
2024 · €2,340
Quick ratio
0.71▲
2024 · 0.38
Debt to equity
1.65▼
2024 · 2.81
ROE
17.0%▲
2024 · 0.2%
Interest coverage
15.84▲
2024 · 12.50
Debt ≤ 1 year
€239,941▼
2024 · €339,653
Income taxes
€657▼
2024 · €2,820
Staff costs
€74,848▼
2024 · €100,759
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 1.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,696 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €89,025 | €110,117 | €114,592 | €100,759 | €74,848 | ▼ 25.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €330 | €684 | €1,749 | €2,146 | €2,146 | = |
| Other operating charges640/8 | €1,804 | €3,818 | €2,149 | €2,192 | €3,548 | ▲ 61.9% |
| Gross operating margin9900 | €104,774 | €138,230 | €129,295 | €104,099 | €91,668 | ▼ 11.9% |
| Operating profit (loss)9901 | €13,615 | €23,611 | €10,805 | -€998 | €11,125 | ▲ 1,215% |
| Financial income75/76B | €8,754 | €5,698 | €2,691 | €4,103 | €15,026 | ▲ 266% |
| Recurring financial income75 | €8,754 | €5,698 | €2,691 | €4,103 | €15,026 | ▲ 266% |
| Financial charges65/66B | €665 | €287 | €289 | €92 | €838 | ▲ 812% |
| Recurring financial charges65 | €224 | €287 | €289 | €92 | €838 | ▲ 812% |
| Non-recurring financial charges66B | €441 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €21,704 | €29,022 | €13,207 | €3,013 | €25,313 | ▲ 740% |
| Income taxes67/77 | €9,829 | - | €12,048 | €2,820 | €657 | ▼ 76.7% |
| Profit (loss) for the period9904 | €11,875 | €29,022 | €1,159 | €194 | €24,656 | ▲ 12,628% |
| Profit (loss) for the period to be appropriated9905 | €11,875 | €29,022 | €1,159 | €194 | €24,656 | ▲ 12,628% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €500,903 | €528,158 | €635,333 | €460,327 | €385,271 | ▼ 16.3% |
| Fixed assets21/28 | €4,849 | €10,737 | €11,482 | €9,336 | €7,190 | ▼ 23.0% |
| Tangible fixed assets22/27 | €49 | €5,937 | €6,682 | €4,536 | €2,390 | ▼ 47.3% |
| Land and buildings22 | - | €5,937 | €4,622 | €3,308 | €1,993 | ▼ 39.7% |
| Furniture and vehicles24 | €49 | - | €2,059 | €1,228 | €396 | ▼ 67.7% |
| Financial fixed assets28 | €4,800 | €4,800 | €4,800 | €4,800 | €4,800 | = |
| Current assets29/58 | €496,055 | €517,421 | €623,852 | €450,992 | €378,081 | ▼ 16.2% |
| Stocks and contracts in progress3 | €298,632 | €328,282 | €451,331 | €321,978 | €207,550 | ▼ 35.5% |
| Stocks30/36 | €298,632 | €328,282 | €451,331 | €321,978 | €207,550 | ▼ 35.5% |
| Amounts receivable within one year40/41 | €152,107 | €74,178 | €138,128 | €121,872 | €148,044 | ▲ 21.5% |
| Trade receivables40 | €145,935 | €74,178 | €138,128 | €121,872 | €148,044 | ▲ 21.5% |
| Other amounts receivable41 | €6,172 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €44,281 | €112,983 | €31,178 | €4,174 | €18,925 | ▲ 353% |
| Deferred charges and accrued income490/1 | €1,034 | €1,978 | €3,214 | €2,967 | €3,562 | ▲ 20.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €500,903 | €528,158 | €635,333 | €460,327 | €385,271 | ▼ 16.3% |
| Equity10/15 | €90,299 | €119,321 | €120,480 | €120,674 | €145,330 | ▲ 20.4% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | - | - | - | - | - |
| Issued capital100 | €18,600 | - | - | - | - | - |
| Reserves13 | €3,360 | €3,360 | €3,360 | €3,360 | €3,360 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | - | - | - |
| Legal reserve130 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Tax-exempt reserves132 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Distributable reserves133 | - | - | - | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €68,339 | €97,361 | €98,520 | €98,714 | €123,370 | ▲ 25.0% |
| Amounts payable17/49 | €410,604 | €408,836 | €514,853 | €339,653 | €239,941 | ▼ 29.4% |
| Amounts payable within one year42/48 | €410,604 | €408,836 | €514,853 | €339,653 | €239,941 | ▼ 29.4% |
| Trade debts44 | €158,073 | €176,311 | €287,729 | €145,706 | €54,632 | ▼ 62.5% |
| Suppliers440/4 | €158,073 | €176,311 | €287,729 | €145,706 | €54,632 | ▼ 62.5% |
| Taxes, remuneration and social security45 | €38,703 | €24,700 | €29,587 | €17,221 | €17,712 | ▲ 2.8% |
| Taxes450/3 | €16,069 | €8,981 | €11,902 | €14,721 | €17,712 | ▲ 20.3% |
| Remuneration and social security454/9 | €22,634 | €15,719 | €17,684 | €2,500 | - | - |
| Other amounts payable47/48 | €213,828 | €207,825 | €197,538 | €176,726 | €167,597 | ▼ 5.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,875 | €29,022 | €1,159 | €194 | €24,656 | ▲ 12,628% |
| + Depreciation and write-downs630 | €330 | €684 | €1,749 | €2,146 | €2,146 | = |
| Operating cash flow (approximation) | €12,205 | €29,706 | €2,908 | €2,340 | €26,802 | ▲ 1,046% |
| Investment in fixed assets (approximation) | - | -€6,572 | -€2,494 | €0 | €0 | - |
| Change in cash | - | €68,702 | -€81,805 | -€27,004 | €14,751 | ▲ 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.
Comparable companies
Similar companies · same sector, comparable size
SANIMAG
BE 0848.410.597
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DYNA BADKAMERS
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Alken · Eq €136,470
Aquadesign Sorex Group
BE 0475.691.067
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OUTDOOR PROJECTS
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GEMIX
BE 0477.761.622
Elsene · Eq €130,927
Of 214 companies in this sector we hold annual accounts for 148. 114 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
13 eventsLatest 23-07-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €194 ▼83.3%
Net result drops to €194, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 60 days late
2022
31-12
Financial
Highest result since 2018net €29,022 ▲144%
Net result €29,022, the highest in the series.
31-12
Financial
Equity above €100,000Eq €119,321 ▲32.1%
5 profitable years in a row build equity to €119,321.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
10-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 41 days late
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 98 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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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Company details
Private limited company · founded 04-04-2014Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded04-04-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47527Retail trade
43990Other specialised construction activities
46831Wholesale of construction materials, general range
E-invoicing
Reachable via Peppol
Peppol ID
0208:0550370575
Registered
29-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Sint-Jans-Molenbeek · 1 establishment unit since 2014
Ground area
522 m²
Building footprint
523 m²
Volume, LiDAR
3,753 m³
Parcel 21012F0364/00C000, Brussels · tallest building 17.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SANI-STORE
since 2014unit no. 2.236.820.988
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21012F0364/00C000 | Brussels | 522 m² | 1 · 522 m² | 17.2 m · 2 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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