Turnover
≈ €350,000 estimated
The micro format states no turnover.
Saniva
Lifetime
6 annual accounts with figures on one time axispeak €118,696 (2023)
€111,793▼ 5.8%
lowest -€24,821 (2022)
€16,363▼ 50.8%
peak €70,522 (2024)
€70,522▲ 30.2%
€168,232▼ 13.5%
Board3 names since 2018
3 directorsAPRIL Shlomah and 2 others
Documentsfilings and deeds
29-07-20252 days before the deadline
2024micro format
Result from €33,260 to €16,363Equity from €54,160 to €70,522
Key points
from the 2024 annual accountsChecked score
49
Fair
Financially stronger than 44% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.5%
01-2025: 1.4%▼ -0.1 percentage points vs 12-2024
02-2025: 1.2%▼ -0.2 percentage points vs 01-2025lowest value
03-2025: 1.2%● unchanged vs 02-2025lowest value
04-2025: 1.4%▲ +0.2 percentage points vs 03-2025
05-2025: 1.4%● unchanged vs 04-2025
06-2025: 1.3%▼ -0.1 percentage points vs 05-2025
07-2025: 1.5%▲ +0.2 percentage points vs 06-2025
08-2025: 1.3%▼ -0.2 percentage points vs 07-2025
09-2025: 1.3%● unchanged vs 08-2025
10-2025: 1.3%● unchanged vs 09-2025
11-2025: 1.3%● unchanged vs 10-2025
12-2025: 1.3%● unchanged vs 11-2025
01-2026: 1.3%● unchanged vs 12-2025
02-2026: 1.3%● unchanged vs 01-2026
03-2026: 1.3%● unchanged vs 02-2026
04-2026: 1.4%▲ +0.1 percentage points vs 03-2026
05-2026: 1.4%● unchanged vs 04-2026
06-2026: 1.4%● unchanged vs 05-2026
07-2026: 1.3%▼ -0.1 percentage points vs 06-2026
08-2026: 1.9%▲ +0.6 percentage points vs 07-2026
09-2026: 2.0%▲ +0.1 percentage points vs 08-2026
10-2026: 3.7%▲ +1.7 percentage points vs 09-2026highest value
11-2026: 3.7%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Figures for financial year 2024 (filed on 29-07-2025)
1 financial year not filed after the legal deadline
Founded in 2018
Liquidity: current ratio 1.48, cash €4,107
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 31% of them on solvency, 17% on liquidity, 54% on profitability and 75% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,713 companies had the same profile as Saniva has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Saniva itself is higher: 3.7% within 12 months. It rests on far more data about Saniva than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,713 companies, not a prediction for Saniva. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity is tight, with a current ratio of 1.48 (1.41 in 2023), below the usual 1.5. Short-term debt is 49.1% and cash 1.7% of total assets. 70.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises riskneutral
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 103 days later.
NBB · 6 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline11-11-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not filed
2024
2 days early
2023
1 day early
2022
17 days early
2021
5 days early
2020
5 days early
2019
2 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 5 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (1)
Board and ownership
- STREICHER David 930 sharesdeed of 20-11-2018
- APRIL Shlomah Chaim 930 sharesdeed of 20-11-2018
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0713617023
Appointments: APRIL Shlomah (director) and STREICHER David (director)
General meeting of 28-03-2023 · Gazette deed
Incorporation
Founding capital of €18,600, 1,860 shares, €8,000 paid up · Founders: STREICHER David and APRIL Shlomah Chaim · Appointments: STREICHER David (manager) and APRIL Shlomah Chaim (manager) · published on 20-11-2018 · Gazette deed
First establishment
Belgiëlei 5, Antwerp
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Saniva Antwerp | €238,755 | €111,793 | 29.5% | - |
| Robby VERHAEGEN Heist-op-den-Berg | €263,392 | €129,791 | 16.5% | - |
| JPN chauffage-sanitaire Ohey | €241,199 | €113,866 | 35.2% | - |
| CMOSA Walcourt | €261,832 | €129,193 | 45.2% | - |
| Vos Mattias Energietechnieken Vosselaar | €212,112 | €91,525 | 31.4% | 0.6 |
| R. Van Doninck Zoersel | €201,817 | €97,301 | 71.3% | - |
| VAN DER PLAS YVES Schoten | €260,440 | €80,488 | 45.5% | - |
These companies have the same main activity as Saniva: plumbing work (NACE 43221). They are comparable in size and age: total assets between €202,000 and €263,000, founded between 2017 and 2020.
Official details
Source: KBO- Status
- Active since 16-11-2018Normal situation
- Activity
- Plumbing workNACE 43221
- Establishment unit
- 2.283.596.4672018 Antwerp, since 16-11-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 09-02-2026
Insights on Saniva
Saniva files the micro format. That format states no turnover. The gross margin rose from €14,466 in 2019 to €111,793 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Saniva
- What is the company number of Saniva?
- The company number of Saniva is 0713.617.023. The VAT number is the same number with BE in front: BE 0713.617.023.
- Where is Saniva based?
- The registered office is at Belgiëlei 5, 2018 Antwerp.Company details
- What does Saniva do?
- According to the KBO register, the main activity is plumbing work (NACE 43221).
- What is the legal form of Saniva?
- Saniva is a private limited company (BV).
- When was Saniva founded?
- Saniva was founded on 16-11-2018.
- Is Saniva still active?
- Yes, Saniva is an active enterprise in the KBO register.
- How many employees does Saniva have?
- Saniva had an average of 2 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- What is the turnover of Saniva?
- The turnover in financial year 2024 is ≈ €350,000. This figure is estimated from the gross margin of €111,793 and 86 comparable companies (NACE 432). It probably lies between €280,000 and €420,000.
- Is Saniva profitable?
- In financial year 2024, Saniva made a profit of €16,363.
- Where can I find the annual accounts of Saniva?
- Saniva filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
Next steps
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