Saniver-gent
ActiveSaniver-gent has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €-3k. Equity is shrinking by ~5% per year across the filed fiscal years. Its solvency ranks better than 81% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
62
/ 100
Healthy▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.22 against 9.5 in 2024), and 23.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
76.3%
Return on assets
-3.4%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
2 d late
2024
1 d early
2023
on the day
2022
1 d early
2021
3 d early
2020
2 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€69k▼ 4.3%
2024 · €72k
2019: €104k
2020: €89k
2021: €67k
2022: €73k
2023: €74k
2024: €72k
2019 → 2025
Total assets
€91k▲ 12.2%
2024 · €81k
2019: €175k
2020: €122k
2021: €104k
2022: €80k
2023: €87k
2024: €81k
2019 → 2025
Net result
€-3k▼ 153%
2024 · €-1k
2019: €-29k
2020: €-15k
2021: €-22k
2022: €5k
2023: €1k
2024: €-1k
2019 → 2025
Working capital
€69k▼ 4.3%
2024 · €72k
2019: €118k
2020: €106k
2021: €61k
2022: €71k
2023: €73k
2024: €72k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€73k▲ 8.2%€74k▲ 1.4%€72k▼ 1.7%€69k▼ 4.3%
Operating result€-23k-€6k€1k▼ 78.4%€525▼ 62.3%€-3k
Net result€-22k-€5k€1k▼ 81.0%€-1k€-3k▼ 153%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €525 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €91k
Equity
€69k▼ 4.3%
Debt
€22k▲ 152%
The debt ratio rises from 10.5% to 23.7%: debt grows while equity shrinks.
Key figures and ratios
Solvency
76.3%▼
2024 · 89.5%
Current ratio
4.22▼
2024 · 9.50
Quick ratio
4.08▼
2024 · 9.38
Debt / equity
0.31▲
2024 · 0.12
ROE
-4.5%▼
2024 · -1.7%
ROA
-3.4%▼
2024 · -1.5%
Debt
€22k▲
2024 · €9k
Debt ≤ 1 year
€22k▲
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€81k€91k▲
Current assets29/58€81k€91k▲
Stocks and contracts in progress3€1k€3k▲
Stocks30/36€1k€3k▲
Amounts receivable within one year40/41€66k€74k▲
Trade receivables40€9k€10k▲
Other amounts receivable41€56k€64k▲
Cash at bank and in hand54/58€14k€14k▼
Equity and liabilities
Total equity and liabilities10/49€81k€91k▲
Equity10/15€72k€69k▼
Contributions10/11€19k€19k=
Reserves13€47k€47k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€45k€45k=
Profit (loss) carried forward14€7k€4k▼
Amounts payable17/49€9k€22k▲
Amounts payable within one year42/48€9k€22k▲
Financial debts43€4k€21k▲
Credit institutions430/8€4k€21k▲
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€3k€76▼
Taxes450/3€3k€76▼
Income statement
Code20242025
Non-recurring operating income76A€5k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€128-
Other operating charges640/8€1k€738▼
Non-recurring operating charges66A€920-
Gross operating margin9900€3k€-2k▼
Operating profit (loss)9901€525€-3k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€1k€-3k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€-1k€-3k▼
Transfer from tax-exempt reserves789€5k-
Profit (loss) for the period to be appropriated9905€4k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€4k▼
Profit (loss) brought forward from the previous period14P€7k€7k=
Transfer to equity691/2€4k-
To other reserves6921€4k-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €5k
Net result €5k after 3 loss-making years.
30-06
Financial
Liquidity quadruplescurrent ratio 10.59
Current ratio from 2.65 to 10.59; short-term debt falls from €37k to €7k.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Liquidity times 5current ratio 18.36
Current ratio from 3.92 to 18.36; short-term debt falls from €40k to €6k.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Gent · 1 establishment unit since 1994
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Orchideestraat 529041 GentGround area
1,291 m²
Building footprint
141 m²
Volume, LiDAR
711 m³
Parcel 44051C0547/00Z000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SANIVER-GENT BVBA
since 19942.065.378.537
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44051C0547/00Z000 | Flanders | 1,291 m² | 1 · 141 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 6,991 companies in sector 43221 we hold annual accounts for 3,445. 3,015 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-12-1993
Fiscal year end30-06
Activities, NACEBEL
43221Plumbing work
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.