SANIJO
ActiveSANIJO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €79k and a net result of €133. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 13% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
42
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability51▼-1
Solvency33▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity tight (current ratio 1.05 against 1.08 in 2023; short-term debt: 88% and cash: 2.7% of total assets), and 91.5% 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 · 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 · 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 2024Solvency, return and age of the figures
Solvency
8.5%
Return on assets
0%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 36373 sector peers (2024).
NBB · sector comparisonPosition among 36373 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-10-2025, 69 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
69 d late
2023
92 d late
2022
84 d late
2021
39 d late
2020
60 d early
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€79k▲ 0.2%
2023 · €79k
2018: €44k
2019: €45k
2020: €67k
2021: €77k
2022: €77k
2023: €79k
2018 → 2024
Total assets
€937k▲ 28.2%
2023 · €730k
2018: €699k
2019: €766k
2020: €702k
2021: €644k
2022: €745k
2023: €730k
2018 → 2024
Net result
€133▼ 92.4%
2023 · €2k
2018: €2k
2019: €2k
2020: €22k
2021: €9k
2022: €634
2023: €2k
2018 → 2024
Working capital
€44k▼ 13.1%
2023 · €50k
2018: €56k
2019: €40k
2020: €55k
2021: €15k
2022: €12k
2023: €50k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€67k-€77k▲ 13.7%€77k▲ 0.8%€79k▲ 2.3%€79k▲ 0.2%
Operating result€30k-€20k▼ 35.0%€4k▼ 78.4%€8k▲ 92.1%€13k▲ 59.3%
Net result€22k-€9k▼ 58.2%€634▼ 93.2%€2k▲ 175%€133▼ 92.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 59% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €937k
Fixed assets
€69k▼ 20.8%
Current assets
€867k▲ 34.8%
Equity and liabilities €937k
Equity
€79k▲ 0.2%
Debt
€857k▲ 31.6%
The debt ratio rises from 89.2% to 91.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38k▲
2023 · €29k
Cash flow
€25k▲
2023 · €23k
Solvency
8.5%▼
2023 · 10.8%
Current ratio
1.05▼
2023 · 1.08
Quick ratio
1.03▼
2023 · 1.06
Debt / equity
10.82▲
2023 · 8.23
ROE
0.2%▼
2023 · 2.2%
ROA
0.0%▼
2023 · 0.2%
Interest coverage
3.85▼
2023 · 3.99
Debt
€857k▲
2023 · €651k
Debt ≤ 1 year
€824k▲
2023 · €593k
Debt > 1 year
€33k▼
2023 · €58k
Income taxes
€4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€730k€937k▲
Fixed assets21/28€87k€69k▼
Tangible fixed assets22/27€87k€69k▼
Plant, machinery and equipment23€696€5k▲
Furniture and vehicles24€86k€64k▼
Financial fixed assets28€12€12=
Current assets29/58€643k€867k▲
Stocks and contracts in progress3€15k€15k=
Stocks30/36€15k€15k=
Amounts receivable within one year40/41€548k€821k▲
Trade receivables40€529k€805k▲
Other amounts receivable41€19k€16k▼
Cash at bank and in hand54/58€74k€26k▼
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€730k€937k▲
Equity10/15€79k€79k▲
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€64k€64k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€62k€62k=
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€651k€857k▲
Amounts payable after more than one year17€58k€33k▼
Financial debts170/4€58k€33k▼
Amounts payable within one year42/48€593k€824k▲
Current portion of amounts payable after more than one year42€32k€25k▼
Financial debts43€9k€8k▼
Credit institutions430/8€9k€8k▼
Trade debts44€536k€607k▲
Suppliers440/4€536k€607k▲
Advances received on contracts in progress46€16k€106k▲
Taxes, remuneration and social security45€387€8k▲
Taxes450/3€387€8k▲
Other amounts payable47/48€262€70k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€25k▲
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A€14k-
Gross operating margin9900€48k€40k▼
Operating profit (loss)9901€8k€13k▲
Financial income75/76B€967€506▼
Recurring financial income75€967€506▼
Financial charges65/66B€7k€10k▲
Recurring financial charges65€7k€10k▲
Profit (loss) for the period before taxes9903€2k€4k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€2k€133▼
Profit (loss) for the period to be appropriated9905€2k€133▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€3k▲
Profit (loss) brought forward from the previous period14P€634€2k▲
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
2025
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 69 days late
2024
31-12
Financial
Weakest financial yearnet €133 ▼92.4%
Net result drops to €133, the lowest in the series.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
23-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 84 days late
2022
08-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 39 days late
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €22k ▲1124%
Operating result €30k, net result €22k, both a record.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 91 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Wemmel · 1 establishment unit since 2007
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.
Zwaluwenlaan 71780 WemmelGround area
6,234 m²
Building footprint
849 m²
Volume, LiDAR
4,514 m³
2 parcels, Flanders · tallest building 14.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SANIJO
since 20072.162.920.846
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0553/00F004 | Flanders | 5,019 m² | 1 · 627 m² | 14.1 m · 2 fl. |
| 22005A0328/00P003 | Flanders | 1,215 m² | 1 · 222 m² | 8.6 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.
Recognitions · licences · registrations
Recognised contractor
12 categoriesSANIJO BV35970
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,240 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-05-2007
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
79110Travel agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.