SANIMA
ActiveSummary
SANIMA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73,897 and a net result of -€28,055. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 14% of 5048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability13▼-7
Solvency36▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days only on tighter terms
Liquidity short (current ratio 0.98 against 1.01 in 2024; short-term debt: 88.8% and cash: 2.2% of total assets), and 88.8% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
11.2%
Return on assets
-4.2%
Age of the figures
18 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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 5048 sector peers (2025).
NBB · sector comparisonPosition among 5048 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 14-10-2025, 17 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
17 d early
2024
30 d early
2023
18 d early
2021
37 d early
2020
46 d early
2019
39 d early
2018
48 d early
← 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 34 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 13 October (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close29-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€28,055
2024 · €9,873
Working capital
-€11,909
2024 · €10,179
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202320242025
Operating result€17,798€9,941▼ 44.1%-€50,585--€19,864▲ 60.7%-€35,569▼ 79.1%
Net result€45,563within the sector's middle half€42,900within the sector's middle half▼ 5.8%€5,269within the sector's middle half-€9,873within the sector's middle half▲ 87.4%-€28,055below the sector's middle half
Equity€43,924below the sector's middle half€86,824below the sector's middle half▲ 97.7%€92,079below the sector's middle half-€101,952below the sector's middle half▲ 10.7%€73,897below the sector's middle half▼ 27.5%
Total assets€1.1mwithin the sector's middle half▲ 2.9%€1.3mwithin the sector's middle half▲ 17.3%€786,742below the sector's middle half-€786,006below the sector's middle half▼ 0.1%€661,151below the sector's middle half▼ 15.9%
Debt€1.1m▼ 1.3%€1.2m▲ 14.0%€694,663-€684,054▼ 1.5%€587,254▼ 14.2%
Working capital€206,889within the sector's middle half▼ 24.4%€168,669within the sector's middle half▼ 18.5%€59,930below the sector's middle half-€10,179below the sector's middle half▼ 83.0%-€11,909below the sector's middle half
Solvency3.9%below the sector's middle half▲ 4.0pp6.6%below the sector's middle half▲ 2.7pp11.7%below the sector's middle half-13.0%below the sector's middle half▲ 1.3pp11.2%below the sector's middle half▼ 1.8pp
Current ratio1.27within the sector's middle half▼ 0.161.16within the sector's middle half▼ 0.111.09below the sector's middle half-1.01below the sector's middle half▼ 0.080.98below the sector's middle half▼ 0.04
Return on assets (ROA)4.0%within the sector's middle half▲ 7.1pp3.2%within the sector's middle half▼ 0.8pp0.7%within the sector's middle half-1.3%within the sector's middle half▲ 0.6pp-4.2%below the sector's middle half▼ 5.5pp
Staff (FTE)4.8within the sector's middle half▼ 14.3%3.6within the sector's middle half▼ 25.0%4within the sector's middle half-3below the sector's middle half▼ 25.0%1.7below the sector's middle half▼ 43.3%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €35,569 in 2025 against €19,864 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €661,151
Fixed assets
€86,120 ▼ 6.5%
Current assets
€575,031 ▼ 17.1%
Equity and liabilities €661,151
Equity
€73,897 ▼ 27.5%
Debt
€587,254 ▼ 14.2%
Debt's share of the balance-sheet total rises from 87.0% to 88.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€21,102▼
2024 · -€5,198
Cash flow
-€13,588▼
2024 · €24,539
Quick ratio
0.35▲
2024 · 0.23
Debt to equity
7.95▲
2024 · 6.71
ROE
-38.0%▼
2024 · 9.7%
Interest coverage
-55.83▼
2024 · -1.07
Debt ≤ 1 year
€586,940▼
2024 · €683,740
Staff costs
€75,689▼
2024 · €169,362
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,165 companies that looked in July 2024 the way this one looks now, 2.6% went bankrupt within 24 months and 94% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a small loss
2.6%
went bankrupt
3.0%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 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% | 1.9% |
| 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 2,165 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.
Annual accounts
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €199,443 | €251,730 | €169,362 | €75,689 | ▼ 55.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €41,375 | €35,144 | €28,272 | €14,666 | €14,467 | ▼ 1.4% |
| Other operating charges640/8 | - | €16,271 | €14,472 | €5,582 | €3,971 | ▼ 28.9% |
| Gross operating margin9900 | €284,409 | €260,799 | €243,889 | €169,746 | €58,558 | ▼ 65.5% |
| Operating profit (loss)9901 | €17,798 | €9,941 | -€50,585 | -€19,864 | -€35,569 | ▼ 79.1% |
| Financial income75/76B | - | €58,727 | €59,293 | €39,192 | €7,892 | ▼ 79.9% |
| Recurring financial income75 | €43,959 | €58,727 | €59,293 | €39,192 | €3,265 | ▼ 91.7% |
| Non-recurring financial income76B | - | - | - | - | €4,627 | - |
| Financial charges65/66B | - | €10,450 | €11,709 | €5,734 | €378 | ▼ 93.4% |
| Recurring financial charges65 | €10,216 | €10,450 | €11,709 | €4,855 | €378 | ▼ 92.2% |
| Non-recurring financial charges66B | - | - | - | €879 | - | - |
| Profit (loss) for the period before taxes9903 | €45,563 | €58,218 | -€3,001 | €13,594 | -€28,055 | ▼ 306% |
| Income taxes67/77 | - | €15,318 | -€8,270 | €3,721 | - | - |
| Profit (loss) for the period9904 | €45,563 | €42,900 | €5,269 | €9,873 | -€28,055 | ▼ 384% |
| Profit (loss) for the period to be appropriated9905 | €45,563 | €42,900 | €5,269 | €9,873 | -€28,055 | ▼ 384% |
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.3m | €786,742 | €786,006 | €661,151 | ▼ 15.9% |
| Fixed assets21/28 | €155,654 | €121,623 | €79,471 | €92,087 | €86,120 | ▼ 6.5% |
| Intangible fixed assets21 | €23,667 | €19,667 | €15,667 | €11,667 | €7,667 | ▼ 34.3% |
| Tangible fixed assets22/27 | €109,017 | €77,873 | €53,601 | €65,857 | €55,390 | ▼ 15.9% |
| Land and buildings22 | - | €15,487 | €12,389 | €9,292 | €6,195 | ▼ 33.3% |
| Plant, machinery and equipment23 | - | €33,178 | €28,257 | €56,565 | €49,195 | ▼ 13.0% |
| Furniture and vehicles24 | - | €29,208 | €12,955 | €0 | - | - |
| Financial fixed assets28 | €22,970 | €24,083 | €10,203 | €14,563 | €23,063 | ▲ 58.4% |
| Current assets29/58 | €970,797 | €1.2m | €707,271 | €693,919 | €575,031 | ▼ 17.1% |
| Stocks and contracts in progress3 | €705,907 | €845,262 | €487,788 | €536,516 | €369,064 | ▼ 31.2% |
| Stocks30/36 | - | €845,262 | €487,788 | €536,516 | €369,064 | ▼ 31.2% |
| Amounts receivable within one year40/41 | €195,583 | €285,722 | €192,077 | €134,479 | €191,533 | ▲ 42.4% |
| Trade receivables40 | - | €285,722 | €192,077 | €134,479 | €191,533 | ▲ 42.4% |
| Cash at bank and in hand54/58 | €69,307 | €68,261 | €27,406 | €22,924 | €14,434 | ▼ 37.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.3m | €786,742 | €786,006 | €661,151 | ▼ 15.9% |
| Equity10/15 | €43,924 | €86,824 | €92,079 | €101,952 | €73,897 | ▼ 27.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | €18,600 | - | - | - | - |
| Issued capital100 | - | €18,600 | - | - | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €23,464 | €66,364 | €71,619 | €81,492 | €53,437 | ▼ 34.4% |
| Amounts payable17/49 | €1.1m | €1.2m | €694,663 | €684,054 | €587,254 | ▼ 14.2% |
| Amounts payable after more than one year17 | €318,305 | €188,461 | €47,008 | - | - | - |
| Financial debts170/4 | - | €188,461 | €47,008 | - | - | - |
| Amounts payable within one year42/48 | €763,908 | €1.0m | €647,341 | €683,740 | €586,940 | ▼ 14.2% |
| Current portion of amounts payable after more than one year42 | - | €127,313 | €112,411 | €47,594 | - | - |
| Financial debts43 | - | €225,000 | €110,000 | - | - | - |
| Other loans439 | - | €225,000 | €110,000 | - | - | - |
| Trade debts44 | €343,315 | €651,652 | €375,353 | €606,274 | €550,305 | ▼ 9.2% |
| Suppliers440/4 | - | €651,652 | €375,353 | €606,191 | €550,305 | ▼ 9.2% |
| Bills of exchange payable441 | - | - | - | €83 | - | - |
| Taxes, remuneration and social security45 | - | €26,611 | €49,577 | €29,872 | €36,635 | ▲ 22.6% |
| Taxes450/3 | - | €5,753 | €16,828 | €6,602 | €20,021 | ▲ 203% |
| Remuneration and social security454/9 | - | €20,858 | €32,749 | €23,270 | €16,614 | ▼ 28.6% |
| Accrued charges and deferred income492/3 | - | €15,007 | €314 | €314 | €314 | = |
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €45,563 | €42,900 | €5,269 | €9,873 | -€28,055 | ▼ 384% |
| + Depreciation and write-downs630 | €41,375 | €35,144 | €28,272 | €14,666 | €14,467 | ▼ 1.4% |
| Operating cash flow (approximation) | €86,938 | €78,044 | €33,541 | €24,539 | -€13,588 | ▼ 155% |
| Investment in fixed assets (approximation) | - | -€1,113 | - | -€27,282 | -€8,500 | ▲ 68.8% |
| Change in cash | - | -€1,046 | - | -€4,482 | -€8,490 | ▼ 89.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
14-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
31-03
Financial
Equity above €100,000Eq €101,952 ▲10.7%
4 profitable years in a row build equity to €101,952.
2023
13-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €45,563
Net result €45,563 after 2 loss-making years.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Wavre · 1 establishment unit since 2016
Ground area
8,029 m²
Building footprint
2,322 m²
Volume, LiDAR
19,826 m³
2 parcels, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SANIMA
since 20162.253.047.407
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25006D0003/00E000 | Wallonia | 7,927 m² | 1 · 2,277 m² | 10.5 m · 3 fl. |
| 62096A0285/00T000 | Wallonia | 102 m² | 1 · 46 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- Supersanit
- SANIMA
Highest known parent: Supersanit. The sources do not say who stands above it.
Owners 1
- SupersanitparentSourceaccounts Supersanit 2025100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 1,805 companies in sector 46831 we hold annual accounts for 1,399. 728 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-04-2016
Fiscal year end31-03
Activities, NACEBEL 2025
46831Wholesale of construction materials, general range
46842Wholesale trade
46836Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
47540Retail sale of electrical household appliances
47551Retail sale of household furniture
Contact
E-mail
agnesmancuso@sanima.be
E-mail
info@sanima.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0651623432
Also
9925:BE0651623432
Registered
15-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.