Saniman
ActiveSummary
The computed 12-month bankruptcy probability of Saniman is 2.2% (moderate). The 2025 annual accounts show equity of €77k and a net result of €25k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 79% of 27965 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
Axes · tick = 2024
Profitability98▲+57
Solvency99▲+43
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.83 against 1.54 in 2024; short-term debt: 22.4% and cash: 12.9% of total assets), and 25.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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 · 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
Specialised construction activities (NACE 43)
about 85% 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
74.1%
Return on assets
23.6%
Age of the figures
9 mo
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 09-07-2026, 22 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
22 d early
2024
29 d late
2023
19 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▲ 46.9%
2024 · €53k
2023: €56k
2024: €53k▼ -5.2% vs 2023lowest in 3 years
2025: €77k▲ +46.9% vs 2024highest in 3 years
2023 → 2025
Total assets
€105k▼ 38.7%
2024 · €171k
2023: €144k
2024: €171k▲ +18.7% vs 2023highest in 3 years
2025: €105k▼ -38.7% vs 2024lowest in 3 years
2023 → 2025
Net result
€25k
2024 · €-3k
2023: €52khighest in 3 years
2024: €-3k▼ -106% vs 2023lowest in 3 years
2025: €25k▲ +954% vs 2024
2023 → 2025
Working capital
€66k▲ 27.4%
2024 · €52k
2023: €58k
2024: €52k▼ -9.9% vs 2023lowest in 3 years
2025: €66k▲ +27.4% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€56k-€53k▼ 5.2%€77k▲ 46.9%
2023: €56k
2024: €53k▼ -5.2% vs 2023lowest in 3 years
2025: €77k▲ +46.9% vs 2024highest in 3 years
Operating result€67k-€-1k€31k
2023: €67khighest in 3 years
2024: €-1k▼ -102% vs 2023lowest in 3 years
2025: €31k▲ +2907% vs 2024
Net result€52k-€-3k€25k
2023: €52khighest in 3 years
2024: €-3k▼ -106% vs 2023lowest in 3 years
2025: €25k▲ +954% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €31k after a loss of €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€15k ▼ 34.4%
Current assets
€90k ▼ 39.4%
Equity and liabilities €105k
Equity
€77k ▲ 46.9%
Debt
€27k ▼ 77.0%
Debt's share of the balance-sheet total falls from 69.1% to 25.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€40k▲
2024 · €8k
Cash flow
€34k▲
2024 · €6k
Current ratio
3.83▲
2024 · 1.54
Quick ratio
3.58▲
2024 · 1.49
Debt to equity
0.35▼
2024 · 2.24
ROE
31.9%▲
2024 · -5.5%
ROA
23.6%▲
2024 · -1.7%
Interest coverage
17.67▲
2024 · 2.88
Debt ≤ 1 year
€23k▼
2024 · €96k
Debt > 1 year
€4k▼
2024 · €22k
Income taxes
€6k▲
2024 · €128
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€171k€105k▼
Fixed assets21/28€23k€15k▼
Tangible fixed assets22/27€23k€15k▼
Plant, machinery and equipment23€5k€2k▼
Leasing and similar rights25€17k€13k▼
Current assets29/58€148k€90k▼
Stocks and contracts in progress3€5k€6k▲
Stocks30/36€5k€6k▲
Amounts receivable within one year40/41€117k€66k▼
Trade receivables40€62k€19k▼
Other amounts receivable41€55k€47k▼
Cash at bank and in hand54/58€22k€13k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€171k€105k▼
Equity10/15€53k€77k▲
Contributions10/11€4k€4k=
Reserves13€49k€73k▲
Distributable reserves133€49k€73k▲
Amounts payable17/49€118k€27k▼
Amounts payable after more than one year17€22k€4k▼
Financial debts170/4€22k€4k▼
Amounts payable within one year42/48€96k€23k▼
Current portion of amounts payable after more than one year42€21k€13k▼
Trade debts44€60k€7k▼
Suppliers440/4€60k€7k▼
Taxes, remuneration and social security45€15k€3k▼
Taxes450/3€13k€1k▼
Remuneration and social security454/9€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€978€1k▲
Non-recurring operating charges66A€657-
Gross operating margin9900€9k€41k▲
Operating profit (loss)9901€-1k€31k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-3k€31k▲
Income taxes67/77€128€6k▲
Profit (loss) for the period9904€-3k€25k▲
Profit (loss) for the period to be appropriated9905€-3k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€25k▲
Transfer from equity791/2€3k-
Transfer to equity691/2-€25k
To other reserves6921-€25k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €9k | €9k | ▲ 0.4% |
| Other operating charges640/8 | €570 | €978 | €1k | ▲ 49.1% |
| Non-recurring operating charges66A | - | €657 | - | - |
| Gross operating margin9900 | €74k | €9k | €41k | ▲ 343% |
| Operating profit (loss)9901 | €67k | €-1k | €31k | ▲ 2,907% |
| Financial income75/76B | €142 | €1k | €2k | ▲ 90.6% |
| Recurring financial income75 | €142 | €1k | €2k | ▲ 90.6% |
| Financial charges65/66B | €2k | €3k | €2k | ▼ 15.7% |
| Recurring financial charges65 | €2k | €3k | €2k | ▼ 15.7% |
| Profit (loss) for the period before taxes9903 | €65k | €-3k | €31k | ▲ 1,213% |
| Income taxes67/77 | €13k | €128 | €6k | ▲ 4,665% |
| Profit (loss) for the period9904 | €52k | €-3k | €25k | ▲ 954% |
| Profit (loss) for the period to be appropriated9905 | €52k | €-3k | €25k | ▲ 954% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €144k | €171k | €105k | ▼ 38.7% |
| Fixed assets21/28 | €29k | €23k | €15k | ▼ 34.4% |
| Tangible fixed assets22/27 | €29k | €23k | €15k | ▼ 34.4% |
| Plant, machinery and equipment23 | €6k | €5k | €2k | ▼ 55.9% |
| Leasing and similar rights25 | €23k | €17k | €13k | ▼ 27.9% |
| Current assets29/58 | €115k | €148k | €90k | ▼ 39.4% |
| Stocks and contracts in progress3 | €5k | €5k | €6k | ▲ 13.3% |
| Stocks30/36 | €5k | €5k | €6k | ▲ 13.3% |
| Amounts receivable within one year40/41 | €78k | €117k | €66k | ▼ 43.4% |
| Trade receivables40 | €74k | €62k | €19k | ▼ 69.5% |
| Other amounts receivable41 | €4k | €55k | €47k | ▼ 13.9% |
| Cash at bank and in hand54/58 | €30k | €22k | €13k | ▼ 39.2% |
| Deferred charges and accrued income490/1 | €2k | €4k | €4k | ▲ 8.3% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €144k | €171k | €105k | ▼ 38.7% |
| Equity10/15 | €56k | €53k | €77k | ▲ 46.9% |
| Contributions10/11 | €4k | €4k | €4k | = |
| Reserves13 | €52k | €49k | €73k | ▲ 50.7% |
| Distributable reserves133 | €52k | €49k | €73k | ▲ 50.7% |
| Amounts payable17/49 | €88k | €118k | €27k | ▼ 77.0% |
| Amounts payable after more than one year17 | €30k | €22k | €4k | ▼ 83.1% |
| Financial debts170/4 | €30k | €22k | €4k | ▼ 83.1% |
| Amounts payable within one year42/48 | €57k | €96k | €23k | ▼ 75.6% |
| Current portion of amounts payable after more than one year42 | €9k | €21k | €13k | ▼ 36.9% |
| Trade debts44 | €31k | €60k | €7k | ▼ 87.8% |
| Suppliers440/4 | €31k | €60k | €7k | ▼ 87.8% |
| Advances received on contracts in progress46 | €1k | - | - | - |
| Taxes, remuneration and social security45 | €14k | €15k | €3k | ▼ 81.4% |
| Taxes450/3 | €13k | €13k | €1k | ▼ 92.0% |
| Remuneration and social security454/9 | €1k | €2k | €2k | = |
| Other amounts payable47/48 | €2k | - | - | - |
| Accrued charges and deferred income492/3 | €1k | - | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €52k | €-3k | €25k | ▲ 954% |
| + Depreciation and write-downs630 | €7k | €9k | €9k | ▲ 0.4% |
| Operating cash flow (approximation) | €59k | €6k | €34k | ▲ 465% |
| Investment in fixed assets (approximation) | - | €-2k | €-1k | ▲ 49.8% |
| Change in cash | - | €-8k | €-9k | ▼ 14.0% |
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
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.83
Current ratio from 1.54 to 3.83; short-term debt falls from €96k to €23k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Vosselaar · 1 establishment unit since 2022
Ground area
520 m²
Building footprint
119 m²
Volume, LiDAR
499 m³
Parcel 13046B0119/00L000, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Saniman
since 20222.337.652.884
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13046B0119/00L000 | Flanders | 520 m² | 1 · 119 m² | 6.2 m · 1 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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Of 7,044 companies in sector 43221 we hold annual accounts for 3,472. 3,053 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
Founded21-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
Scores and ratios are computed by Checked and are not a credit decision.