Saniva
ActiveSummary
The computed 12-month bankruptcy probability of Saniva is 2.2% (moderate). The 2024 annual accounts show equity of €71k and a net result of €16k. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 31% of 36375 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability77▼-8
Solvency55▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.41 in 2023; short-term debt: 49.1% and cash: 1.7% of total assets), and 70.5% 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.
+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 →
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
29.5%
Return on assets
6.9%
Age of the figures
21 mo
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 confirmed
2024
2 d early
2023
1 d early
2022
17 d early
2021
5 d early
2020
5 d early
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€71k▲ 30.2%
2023 · €54k
2019: €14klowest in 6 years
2020: €33k▲ +129% vs 2019
2021: €46k▲ +37.5% vs 2020
2022: €21k▼ -54.3% vs 2021
2023: €54k▲ +159% vs 2022
2024: €71k▲ +30.2% vs 2023highest in 6 years
2019 → 2024
Total assets
€239k▼ 4.0%
2023 · €249k
2019: €33klowest in 6 years
2020: €79k▲ +136% vs 2019
2021: €116k▲ +47.5% vs 2020
2022: €200k▲ +71.9% vs 2021
2023: €249k▲ +24.4% vs 2022highest in 6 years
2024: €239k▼ -4.0% vs 2023
2019 → 2024
Net result
€16k▼ 50.8%
2023 · €33k
2019: €6k
2020: €19k▲ +189% vs 2019
2021: €12k▼ -33.6% vs 2020
2022: €-25k▼ -299% vs 2021lowest in 6 years
2023: €33k▲ +234% vs 2022highest in 6 years
2024: €16k▼ -50.8% vs 2023
2019 → 2024
Working capital
€56k▲ 21.9%
2023 · €46k
2019: €8klowest in 6 years
2020: €22k▲ +177% vs 2019
2021: €41k▲ +89.7% vs 2020
2022: €22k▼ -46.4% vs 2021
2023: €46k▲ +109% vs 2022
2024: €56k▲ +21.9% vs 2023highest in 6 years
2019 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€33k-€46k▲ 37.5%€21k▼ 54.3%€54k▲ 159%€71k▲ 30.2%
2020: €33k
2021: €46k▲ +37.5% vs 2020
2022: €21k▼ -54.3% vs 2021lowest in 5 years
2023: €54k▲ +159% vs 2022
2024: €71k▲ +30.2% vs 2023highest in 5 years
Operating result€25k-€18k▼ 28.6%€-24k€46k€31k▼ 32.6%
2020: €25k
2021: €18k▼ -28.6% vs 2020
2022: €-24k▼ -229% vs 2021lowest in 5 years
2023: €46k▲ +294% vs 2022highest in 5 years
2024: €31k▼ -32.6% vs 2023
Net result€19k-€12k▼ 33.6%€-25k€33k€16k▼ 50.8%
2020: €19k
2021: €12k▼ -33.6% vs 2020
2022: €-25k▼ -299% vs 2021lowest in 5 years
2023: €33k▲ +234% vs 2022highest in 5 years
2024: €16k▼ -50.8% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 33% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €239k
Fixed assets
€65k ▼ 26.9%
Current assets
€173k ▲ 8.9%
Equity and liabilities €239k
Equity
€71k ▲ 30.2%
Debt
€168k ▼ 13.5%
Debt's share of the balance-sheet total falls from 78.2% to 70.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▼
2023 · €75k
Cash flow
€43k▼
2023 · €62k
Current ratio
1.48▲
2023 · 1.41
Quick ratio
1.40▲
2023 · 1.30
Debt to equity
2.39▼
2023 · 3.59
ROE
23.2%▼
2023 · 61.4%
ROA
6.9%▼
2023 · 13.4%
Interest coverage
18.93▼
2023 · 20.39
Debt ≤ 1 year
€117k▲
2023 · €113k
Debt > 1 year
€48k▼
2023 · €81k
Income taxes
€11k▲
2023 · €9k
Staff costs
€53k▲
2023 · €41k
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 · 2024 against 2023 · 48 lines
Balance sheet
Code20232024
Assets
Total assets20/58€249k€239k▼
Fixed assets21/28€89k€65k▼
Tangible fixed assets22/27€89k€65k▼
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€85k€60k▼
Current assets29/58€159k€173k▲
Stocks and contracts in progress3€13k€9k▼
Stocks30/36€13k€9k▼
Amounts receivable within one year40/41€125k€155k▲
Trade receivables40€49k€65k▲
Other amounts receivable41€77k€90k▲
Cash at bank and in hand54/58€4k€4k▲
Deferred charges and accrued income490/1€17k€5k▼
Equity and liabilities
Total equity and liabilities10/49€249k€239k▼
Equity10/15€54k€71k▲
Contributions10/11€8k€8k=
Reserves13€46k€63k▲
Distributable reserves133€46k€63k▲
Amounts payable17/49€194k€168k▼
Amounts payable after more than one year17€81k€48k▼
Financial debts170/4€81k€48k▼
Amounts payable within one year42/48€113k€117k▲
Current portion of amounts payable after more than one year42€22k€27k▲
Trade debts44€54k€37k▼
Suppliers440/4€54k€37k▼
Advances received on contracts in progress46-€7k
Taxes, remuneration and social security45€37k€31k▼
Taxes450/3€13k€15k▲
Remuneration and social security454/9€24k€16k▼
Other amounts payable47/48-€15k
Accrued charges and deferred income492/3-€3k
Income statement
Code20232024
Remuneration, social security and pensions62€41k€53k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€27k▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€119k€112k▼
Operating profit (loss)9901€46k€31k▼
Financial income75/76B€67€22▼
Recurring financial income75€67€22▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€42k€28k▼
Income taxes67/77€9k€11k▲
Profit (loss) for the period9904€33k€16k▼
Profit (loss) for the period to be appropriated9905€33k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€16k▲
Profit (loss) brought forward from the previous period14P€-18k-
Transfer to equity691/2€15k€16k▲
To other reserves6921€15k€16k▲
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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €25k | €47k | €41k | €53k | ▲ 30.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | €8k | €13k | €29k | €27k | ▼ 9.0% |
| Other operating charges640/8 | - | €1k | €1k | €3k | €1k | ▼ 57.8% |
| Gross operating margin9900 | €32k | €52k | €38k | €119k | €112k | ▼ 5.8% |
| Operating profit (loss)9901 | €25k | €18k | €-24k | €46k | €31k | ▼ 32.6% |
| Financial income75/76B | - | €1 | €673 | €67 | €22 | ▼ 66.8% |
| Recurring financial income75 | €20 | €1 | €673 | €67 | €22 | ▼ 66.8% |
| Financial charges65/66B | - | €615 | €2k | €4k | €3k | ▼ 17.5% |
| Recurring financial charges65 | €494 | €615 | €2k | €4k | €3k | ▼ 17.5% |
| Profit (loss) for the period before taxes9903 | €25k | €18k | €-25k | €42k | €28k | ▼ 34.0% |
| Income taxes67/77 | €6k | €5k | €239 | €9k | €11k | ▲ 29.4% |
| Profit (loss) for the period9904 | €19k | €12k | €-25k | €33k | €16k | ▼ 50.8% |
| Profit (loss) for the period to be appropriated9905 | €19k | €12k | €-25k | €33k | €16k | ▼ 50.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €79k | €116k | €200k | €249k | €239k | ▼ 4.0% |
| Fixed assets21/28 | €26k | €24k | €52k | €89k | €65k | ▼ 26.9% |
| Tangible fixed assets22/27 | €26k | €24k | €52k | €89k | €65k | ▼ 26.9% |
| Plant, machinery and equipment23 | - | €4k | €5k | €4k | €5k | ▲ 17.3% |
| Furniture and vehicles24 | - | €20k | €47k | €85k | €60k | ▼ 29.2% |
| Current assets29/58 | €53k | €92k | €148k | €159k | €173k | ▲ 8.9% |
| Stocks and contracts in progress3 | €2k | €2k | €21k | €13k | €9k | ▼ 26.7% |
| Stocks30/36 | - | €2k | €21k | €13k | €9k | ▼ 26.7% |
| Amounts receivable within one year40/41 | €23k | €54k | €77k | €125k | €155k | ▲ 23.7% |
| Trade receivables40 | - | €31k | €6k | €49k | €65k | ▲ 33.8% |
| Other amounts receivable41 | - | €23k | €72k | €77k | €90k | ▲ 17.2% |
| Cash at bank and in hand54/58 | €25k | €33k | €45k | €4k | €4k | ▲ 1.7% |
| Deferred charges and accrued income490/1 | - | €4k | €5k | €17k | €5k | ▼ 71.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €79k | €116k | €200k | €249k | €239k | ▼ 4.0% |
| Equity10/15 | €33k | €46k | €21k | €54k | €71k | ▲ 30.2% |
| Contributions10/11 | - | €8k | €8k | €8k | €8k | = |
| Reserves13 | €19k | €31k | €31k | €46k | €63k | ▲ 35.4% |
| Distributable reserves133 | - | €31k | €31k | €46k | €63k | ▲ 35.4% |
| Profit (loss) carried forward14 | €6k | €6k | €-18k | - | - | - |
| Amounts payable17/49 | €46k | €71k | €179k | €194k | €168k | ▼ 13.5% |
| Amounts payable after more than one year17 | €14k | €7k | €53k | €81k | €48k | ▼ 41.5% |
| Financial debts170/4 | - | €7k | €53k | €81k | €48k | ▼ 41.5% |
| Amounts payable within one year42/48 | €31k | €51k | €126k | €113k | €117k | ▲ 3.6% |
| Current portion of amounts payable after more than one year42 | - | €7k | €16k | €22k | €27k | ▲ 23.3% |
| Trade debts44 | €5k | €25k | €84k | €54k | €37k | ▼ 31.9% |
| Suppliers440/4 | - | €25k | €84k | €54k | €37k | ▼ 31.9% |
| Advances received on contracts in progress46 | - | - | - | - | €7k | - |
| Taxes, remuneration and social security45 | - | €19k | €26k | €37k | €31k | ▼ 16.0% |
| Taxes450/3 | - | €6k | €8k | €13k | €15k | ▲ 14.5% |
| Remuneration and social security454/9 | - | €13k | €18k | €24k | €16k | ▼ 32.4% |
| Other amounts payable47/48 | - | - | - | - | €15k | - |
| Accrued charges and deferred income492/3 | - | €12k | - | - | €3k | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19k | €12k | €-25k | €33k | €16k | ▼ 50.8% |
| + Depreciation and write-downs630 | €6k | €8k | €13k | €29k | €27k | ▼ 9.0% |
| Operating cash flow (approximation) | €25k | €20k | €-12k | €62k | €43k | ▼ 31.3% |
| Investment in fixed assets (approximation) | - | €-6k | €-41k | €-67k | €-3k | ▲ 96.3% |
| Change in cash | - | €8k | €12k | €-41k | €69 | ▲ 100% |
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
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Antwerpen · 1 establishment unit since 2018
Ground area
397 m²
Building footprint
222 m²
Volume, LiDAR
5,821 m³
Parcel 11806F1225/00W030, Flanders · tallest building 30.0 m, ±9 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Saniva
since 20182.283.596.467
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1225/00W030 | Flanders | 397 m² | 1 · 222 m² | 30.0 m · 9 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 2,550 EUR awarded · 2,550 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,800 EUR | 1,800 EUR |
| 2023 | 1 | 750 EUR | 750 EUR |
Schemes
Aanwervingsincentive voor langdurig werkzoekenden (AWI) - Stopgezet
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Of 7,044 companies in sector 43221 we hold annual accounts for 3,472. 3,046 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
Founded16-11-2018
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
Scores and ratios are computed by Checked and are not a credit decision.