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Saniver O-VL

Active
Private limited companyfounded 2016active for 10 yearsVerkortingstraat 56, 9040 Gent, BelgiumKBO/BCE: BE 0647.612.976

From the official registers: KBO 9 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of Saniver O-VL is 1.6% (moderate). The 2025 annual accounts show equity of €130,522 and a net result of €31,635. Equity has been growing by about 17% per year since 2019. Its solvency ranks better than 33% of 34,902 sector peers (NACE 43, financial year 2025). The company has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

KBO
Status
Active since 29-01-2016 Normal situation
Activity
Plumbing work NACE 43221
Establishment unit
2.250.139.187 9040 Gent, since 09-02-2016
Financial year end
30 June
Peppol
Reachable since 31-10-2023

Board and ownership

Board
  • Vermeire DieterDirector
  • Veroeven TaniaDirector

Financial position

56 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.6%
Annual accounts to 30-06-2025
Gross margin
€271,943
▲ 2.1%
Turnover
≈ €680,000
estimated
Profit
€31,635
▲ 33.9%
Equity
€130,522
▲ 15.5%
Total assets
€410,558
▼ 2.8%
Staff
3 FTE
▼ 9.1%
Filed on 20-02-2026, 20 days after the deadlinePDF
Score breakdownraises riskLiquidity: current ratio 1.33Last filed accounts filed 21 days late; 1 of the last 3 accounts lateSector: Specialised construction activities (NACE 43)lowers riskSize: total assets €410,558Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 56% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Strong
Solvency 57+5
equity 31.8% of total assets
Liquidity 74+29
short-term debt 30.8%
Profitability 78+2
return on assets 7.7%
Bankruptcy probability within 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,675 companies, NACE 43, micro)
Last 24 months 11-2024: 0.6% 12-2024: 0.6%● unchanged vs 11-2024lowest value 01-2025: 0.7%▲ +0.1 percentage points vs 12-2024 02-2025: 1.1%▲ +0.4 percentage points vs 01-2025 03-2025: 1.4%▲ +0.3 percentage points vs 02-2025 04-2025: 2.6%▲ +1.2 percentage points vs 03-2025 05-2025: 2.8%▲ +0.2 percentage points vs 04-2025 06-2025: 3.2%▲ +0.4 percentage points vs 05-2025 07-2025: 4.5%▲ +1.3 percentage points vs 06-2025 08-2025: 4.5%● unchanged vs 07-2025 09-2025: 4.7%▲ +0.2 percentage points vs 08-2025highest value 10-2025: 4.3%▼ -0.4 percentage points vs 09-2025 11-2025: 4.3%● unchanged vs 10-2025 12-2025: 4.2%▼ -0.1 percentage points vs 11-2025 01-2026: 2.8%▼ -1.4 percentage points vs 12-2025 02-2026: 3.5%▲ +0.7 percentage points vs 01-2026 03-2026: 1.9%▼ -1.6 percentage points vs 02-2026 04-2026: 1.9%● unchanged vs 03-2026 05-2026: 1.9%● unchanged vs 04-2026 06-2026: 1.9%● unchanged vs 05-2026 07-2026: 1.7%▼ -0.2 percentage points vs 06-2026 08-2026: 1.7%● unchanged vs 07-2026 09-2026: 1.7%● unchanged vs 08-2026 10-2026: 1.6%▼ -0.1 percentage points vs 09-2026
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.33 (1.16 in 2024), below the usual 1.5. Short-term debt is 30.8% of total assets. 68.2% of the assets are financed with debt and provisions.
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 33% of them on solvency, 72% on liquidity, 56% on profitability and 63% on growth.

The bankruptcy probability was computed on 31-10-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · Liquidity: current ratio 1.33
NBB · annual accounts
raises risk · Last filed accounts filed 21 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Size: total assets €410,558
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · 2025 accounts filed 20 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-02-2026, 20 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filings
Deviation from the deadline
2025
20 days late
2024
334 days late
2023
on the day
2022
on the day
2021
3 days early
2020
2 days early
2019
1 day early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 50 days after 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 (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 31 January (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end01-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Higher gross margin than 94% of companies in specialised constructionsector median €39,332 · 34,862 companies €271,943 View
  • Positive: 7 profitable years in a rowprofit 2025: €31,635 7 years View

Comparable companies

These companies have the same main activity as Saniver O-VL: plumbing work (NACE 43221). They are comparable in size and age: total assets between €383,000 and €459,000, founded between 2014 and 2017.

CompanyTotal assetsGross margin
Saniver O-VL Gent€410,558€271,943
VANBELLINGHEN MIKE CHAUFFAGE Braine-le-Château€449,456€285,148
DIETER DESCAMPS Ieper€398,127€280,251
Extinction NEP SRL Aubange€382,620€249,288
Sanimprove Izegem€459,400€252,115
MERTENS MAXIM Antwerpen€422,896€303,502
HET BEERBOERKE - RIOLERINGSWERKEN Tom van den Berg Essen€435,859€301,622
Full comparison

Documents

Annual accounts at the NBB

All 9 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about Saniver O-VL

What is the company number of Saniver O-VL?
The company number of Saniver O-VL is 0647.612.976. The VAT number is the same number with BE in front: BE 0647.612.976.
Where is Saniver O-VL based?
The registered office is at Verkortingstraat 56, 9040 Gent.Company details
What does Saniver O-VL do?
According to the KBO register, the main activity is plumbing work (NACE 43221).
What is the legal form of Saniver O-VL?
The legal form of Saniver O-VL is Private limited company (BV).
When was Saniver O-VL founded?
Saniver O-VL was founded on 29-01-2016.
Is Saniver O-VL still active?
Yes, Saniver O-VL is an active enterprise in the KBO register.
How many employees does Saniver O-VL have?
Saniver O-VL had an average of 3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Saniver O-VL?
The turnover in financial year 2025 is ≈ €680,000. This figure is estimated from the gross margin of €271,943 and 32 comparable companies (NACE 432). It probably lies between €510,000 and €870,000.
Is Saniver O-VL profitable?
In financial year 2025, Saniver O-VL made a profit of €31,635.
Where can I find the annual accounts of Saniver O-VL?
Saniver O-VL filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of Saniver O-VL due?
Saniver O-VL must file the annual accounts for financial year 2026 by 31-01-2027.Timeline

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