Sanibuy
ActiveSummary
The computed 12-month bankruptcy probability of Sanibuy is 2.3% (moderate). The 2025 annual accounts show negative equity (€-19k) and a net result of €-8k. Equity is shrinking by ~149.8% per year across the filed fiscal years. Its solvency ranks better than 16% of 11323 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
23
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▲+11
Solvency11▲+4
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.87 against 0.8 in 2024; short-term debt: 114.1% and cash: 0.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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 · 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 2025Solvency, return and age of the figures
Solvency
-14.1%
Return on assets
-6.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-19k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
30 d late
2023
25 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-19k▼ 77.2%
2024 · €-11k
2023: €38k
2024: €-11k
2023 → 2025
Total assets
€133k▲ 131%
2024 · €58k
2023: €59k
2024: €58k
2023 → 2025
Net result
€-8k▲ 83.0%
2024 · €-48k
2023: €-22k
2024: €-48k
2023 → 2025
Working capital
€-20k▼ 47.7%
2024 · €-14k
2023: €32k
2024: €-14k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€38k-€-11k€-19k▼ 77.2%
Operating result€-21k-€-46k▼ 122%€-8k▲ 82.8%
Net result€-22k-€-48k▼ 117%€-8k▲ 83.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €46k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €133k
Fixed assets
€1k▼ 53.6%
Current assets
€132k▲ 141%
Key figures and ratios
EBITDA
€-6k▲
2024 · €-44k
Cash flow
€-6k▲
2024 · €-46k
Solvency
-14.1%▲
2024 · -18.4%
Current ratio
0.87▲
2024 · 0.80
Quick ratio
0.40▼
2024 · 0.80
Debt / equity
-8.07▼
2024 · -6.43
ROA
-6.2%▲
2024 · -83.5%
Interest coverage
-16.33▼
2024 · -15.87
Debt
€152k▲
2024 · €69k
Debt ≤ 1 year
€152k▲
2024 · €69k
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€58k€133k▲
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€942▼
Furniture and vehicles24€3k€942▼
Financial fixed assets28-€500
Current assets29/58€55k€132k▲
Stocks and contracts in progress3-€71k
Stocks30/36-€71k
Amounts receivable within one year40/41€55k€60k▲
Trade receivables40€55k€55k=
Other amounts receivable41€18€5k▲
Cash at bank and in hand54/58-€368
Equity and liabilities
Total equity and liabilities10/49€58k€133k▲
Equity10/15€-11k€-19k▼
Contributions10/11€60k€60k=
Profit (loss) carried forward14€-71k€-79k▼
Amounts payable17/49€69k€152k▲
Amounts payable within one year42/48€69k€152k▲
Financial debts43€15-
Credit institutions430/8€15-
Trade debts44€380-
Suppliers440/4€380-
Taxes, remuneration and social security45€357-
Taxes450/3€357-
Other amounts payable47/48€68k€152k▲
Income statement
Code20242025
Non-recurring operating income76A€2k-
Goods, raw materials, services and sundry goods60/61-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€1k€162▼
Gross operating margin9900€-42k€-6k▲
Operating profit (loss)9901€-46k€-8k▲
Financial income75/76B€269-
Recurring financial income75€269-
Financial charges65/66B€3k€349▼
Recurring financial charges65€3k€349▼
Profit (loss) for the period before taxes9903€-48k€-8k▲
Income taxes67/77€181-
Profit (loss) for the period9904€-48k€-8k▲
Profit (loss) for the period to be appropriated9905€-48k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-71k€-79k▼
Profit (loss) brought forward from the previous period14P€-22k€-71k▼
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Weakest financial yearnet €-48k
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Leopoldsburg · 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.
Leopoldsburgsesteenweg 323971 LeopoldsburgGround area
1,856 m²
Building footprint
707 m²
Volume, LiDAR
3,871 m³
2 parcels, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sanibuy
since 20222.330.994.429
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71023A0331/00D002 | Flanders | 1,305 m² | 1 · 601 m² | 7.3 m · 2 fl. |
| 72453F0239/00L000 | Flanders | 550 m² | 1 · 106 m² | 6.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DRE Import-Export
BE 0685.590.852
Etterbeek · Eq €38k
TLX CONSTRUCT
BE 0503.788.009
Profondeville · Eq €38k
VAN DE WATER KOEN
BE 1004.770.441
Brugge · Eq €37k
Diffulec Eco Concept Isolation
BE 0440.176.793
Mons · Eq €38k
Doorstore
BE 0786.735.524
Hooglede · Eq €39k
Of 1,137 companies in sector 46130 we hold annual accounts for 646. 450 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-05-2022
Fiscal year end31-12
Activities, NACEBEL
46130Agents in the wholesale of timber and building materials
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.