SANICERAM
ActiveSANICERAM has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2023 annual accounts show equity of €112k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 30% of 18372 sector peers (fiscal year 2023). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2023
Axes · tick = 2022
Profitability-
Solvency40=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 2.55 against 2.55 in 2022), but 90.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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 2023Solvency, return and age of the figures
Solvency
9.4%
Age of the figures
32 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline11-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 02-10-2024, 63 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
63 d late
2022
394 d late
2021
170 d late
2020
90 d late
2019
11 d early
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Turnover
€593k▼ 12.3%
2018 · €676k
2018: €676k
2018 → 2019
EBIT margin
8.2%▲ 3.2pp
2018 · 5.1%
2018: 5.1%
2018 → 2019
Net result
€23k▲ 292%
2021 · €6k
2018: €14k
2019: €20k
2020: €-22k
2021: €6k
2018 → 2022
Working capital
€723k=
2022 · €723k
2018: €208k
2019: €367k
2020: €344k
2021: €651k
2022: €723k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Turnover€593k-
Equity€106k-€84k▼ 20.7%€90k▲ 6.8%€112k▲ 25.1%€112k=
Operating result€49k-€454▼ 99.1%€20k▲ 4,326%€40k▲ 97.5%
Net result€20k-€-22k€6k€23k▲ 292%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2020 the operating result has climbed two years in a row; 2022 is 97% above 2021.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Equity and liabilities €1.19M
Equity
€112k=
Debt
€1.08M=
The debt ratio stays at 90.6%.
Key figures and ratios
Solvency
9.4%=
2022 · 9.4%
Current ratio
2.55=
2022 · 2.55
Quick ratio
1.46=
2022 · 1.46
Debt / equity
9.58=
2022 · 9.58
Debt
€1.08M=
2022 · €1.08M
Debt ≤ 1 year
€465k=
2022 · €465k
Debt > 1 year
€560k=
2022 · €560k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€1.19M€1.19M=
Current assets29/58€1.19M€1.19M=
Amounts receivable after more than one year29€100k€100k=
Other amounts receivable291€100k€100k=
Stocks and contracts in progress3€509k€509k=
Stocks30/36€509k€509k=
Amounts receivable within one year40/41€523k€523k=
Trade receivables40€490k€490k=
Other amounts receivable41€32k€32k=
Cash at bank and in hand54/58€56k€56k=
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.19M=
Equity10/15€112k€112k=
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€90k€90k=
Amounts payable17/49€1.08M€1.08M=
Amounts payable after more than one year17€560k€560k=
Financial debts170/4€560k€560k=
Amounts payable within one year42/48€465k€465k=
Current portion of amounts payable after more than one year42€1k€1k=
Financial debts43€5k€5k=
Credit institutions430/8€5k€5k=
Trade debts44€102k€102k=
Suppliers440/4€102k€102k=
Advances received on contracts in progress46€350k€350k=
Taxes, remuneration and social security45€3k€3k=
Taxes450/3€3k€3k=
Other amounts payable47/48€4k€4k=
Accrued charges and deferred income492/3€51k€51k=
Income statement
Code20222023
Remuneration, social security and pensions62€63-
Other operating charges640/8€3k-
Gross operating margin9900€43k-
Operating profit (loss)9901€40k-
Financial income75/76B€162-
Recurring financial income75€162-
Financial charges65/66B€19k-
Recurring financial charges65€19k-
Profit (loss) for the period before taxes9903€21k-
Income taxes67/77€-2k-
Profit (loss) for the period9904€23k-
Profit (loss) for the period to be appropriated9905€23k-
Appropriation of the result
Profit (loss) to be appropriated9906€90k€90k=
Profit (loss) brought forward from the previous period14P€68k€90k▲
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 394 days late
2023
17-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 170 days late
2022
31-12
Financial
Highest result since 2018net €23k ▲292%
Net result €23k, the highest in the series.
31-12
Financial
Equity above €100kEq €112k ▲25.1%
2 profitable years in a row build equity to €112k.
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
31-12
Financial
Weakest financial yearnet €-22k ▼210%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €106k ▲23.3%
2 profitable years in a row build equity to €106k.
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Bernissart · 1 establishment unit since 2001
Ground area
1,360 m²
Building footprint
127 m²
Volume, LiDAR
622 m³
Parcel 51472B1076/00C000, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Rivage(HAR) 26, 7321 Bernissart
since 20012.094.479.527
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51472B1076/00C000 | Wallonia | 1,360 m² | 1 · 127 m² | 7.0 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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PROMO-PROPERTY
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Of 1,283 companies in sector 68122 we hold annual accounts for 896. 541 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-05-2001
Fiscal year end31-12
Activities, NACEBEL
68122Development of non-residential building projects
51532
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.