Skip to content

SANIVELLES

Active
Private limited companyfounded 199927 yrs activeFaubourg de Bruxelles 4, 1400 Nivelles, BelgiumKBO/BCE: BE 0466.226.144
Summary

SANIVELLES has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €316,531 and a net result of €373. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 57% of 22026 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
SANIVELLESActiveChecked score 84/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of hardware, building materials, paint and glass (general range)
NACE 47521NACE 46731Wholesale of construction materials, general range NACE 46831
1 site
Size
€750,269total assets 2025
Staff
1.1 FTE
Equity
€316,531
Profit
€373
Turnover not published (abridged schema)
Financial health
84 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Accounts 13 d early1 of 2 deeds read
Why 84- 1 change of registered office in 24 months- Sector Retail trade (NACE 47)+ Size: total assets €750,269+ Figures for FY 2025 (filed 18-07-2026)Show the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Better than 43% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 67-3
equity 42.2% of total assets
Liquidity 42-6
short-term debt 36.2% · cash 6.8%
Profitability 69=
return on assets 0.0%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,158 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%● 0.0% vs 12-2024 02-2025: 0.2%▲ +2.0% vs 01-2025 03-2025: 0.2%● 0.0% vs 02-2025 04-2025: 0.2%▲ +7.8% vs 03-2025 05-2025: 0.2%▼ -2.7% vs 04-2025 06-2025: 0.2%▼ -5.1% vs 05-2025 07-2025: 0.1%▼ -35.0% vs 06-2025lowest value 08-2025: 0.1%● 0.0% vs 07-2025lowest value 09-2025: 0.1%● 0.0% vs 08-2025lowest value 10-2025: 0.1%● 0.0% vs 09-2025lowest value 11-2025: 0.1%● 0.0% vs 10-2025lowest value 12-2025: 0.1%● 0.0% vs 11-2025lowest value 01-2026: 0.1%● 0.0% vs 12-2025lowest value 02-2026: 0.1%▲ +2.3% vs 01-2026 03-2026: 0.1%● 0.0% vs 02-2026 04-2026: 0.1%▲ +7.4% vs 03-2026 05-2026: 0.2%▲ +8.3% vs 04-2026 06-2026: 0.1%▼ -5.7% vs 05-2026 07-2026: 0.2%▲ +9.5% vs 06-2026 08-2026: 0.3%▲ +96.9% vs 07-2026highest value 09-2026: 0.3%● 0.0% vs 08-2026highest value 10-2026: 0.3%● 0.0% vs 09-2026highest value
  • 1 change of registered office in 24 months raises the probability
  • Size: total assets €750,269 lowers the probability for this profile
  • Figures for FY 2025 (filed 18-07-2026) lowers the probability
  • Sector Retail trade (NACE 47) raises the probability
Credit up to €25,000 at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.44 in 2024; short-term debt: 36.2% and cash: 6.8% of total assets), and 57.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 57%, liquidity 40%, profitability 49%, growth against the median 28%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Size: total assets €750,269
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 18-07-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
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 18-07-2026, 13 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
13 d early
2024
36 d early
2023
12 d early
2022
28 d early
2021
12 d late
2020
27 d late
2019
14 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 9 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 18 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Registered officeRegistered-office move
  3. Back to profitnet €373

Key points

  • Positive: Among the best 9% on equitysector median €41,538 · 22,066 companies €316,531 View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View
  • Active since 1999founded 11-06-1999 27 years View

By topic

Financials

Fiscal year
2025
Total assets
€750,269
Profit
€373
Solvency
42.2%
Turnover▼ 6.0%
Net result
20182023
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 18-07-2026Annual accounts filed
  2. 07-07-2026Registered office
  3. 31-12-2025Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of hardware, building materials, paint and…NACE 47521
Founded
11-06-1999
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure