SANIVER-TECHNICS
ActiveSummary
SANIVER-TECHNICS has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €899,574 and a net result of €155,316. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 93% of 28806 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability88▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80,000 at 30 days acceptable
Liquidity ample (current ratio 24.54 against 14.04 in 2024; short-term debt: 4% and cash: 60.8% of total assets), and 10.3% of the assets are financed with debt.
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Signals
Four 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
89.7%
Return on assets
15.5%
Age of the figures
9 mo
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
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 filingsDeviation from the deadline
2025
13 d early
2024
11 d early
2023
10 d early
2022
5 d early
2021
17 d early
2020
8 d early
2019
1 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 1 day before the deadline, and 42% 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 20 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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 trust this company with building work?Contractor check 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 What other support did companies like this one receive, and it did not?Subsidies
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Financials · fiscal year 2025, micro schema
Equity
€899,574▲ 9.1%
2024 · €824,917
Total assets
€1.0m▲ 7.0%
2024 · €937,603
Net result
€155,316▲ 1.3%
2024 · €153,316
Working capital
€953,804▲ 12.8%
2024 · €845,795
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€179,221▲ 14.3%€152,094▼ 15.1%€207,000▲ 36.1%€198,157▼ 4.3%€213,506▲ 7.7%
Net result€119,552above the sector's middle half▲ 5.6%€106,401above the sector's middle half▼ 11.0%€150,342above the sector's middle half▲ 41.3%€153,316above the sector's middle half▲ 2.0%€155,316above the sector's middle half▲ 1.3%
Equity€574,600above the sector's middle half▲ 26.3%€622,276above the sector's middle half▲ 8.3%€732,025above the sector's middle half▲ 17.6%€824,917above the sector's middle half▲ 12.7%€899,574above the sector's middle half▲ 9.1%
Total assets€704,268above the sector's middle half▲ 17.8%€748,975above the sector's middle half▲ 6.3%€851,781above the sector's middle half▲ 13.7%€937,603above the sector's middle half▲ 10.1%€1.0mabove the sector's middle half▲ 7.0%
Debt€128,407▼ 9.1%€125,759▼ 2.1%€119,136▼ 5.3%€112,385▼ 5.7%€103,406▼ 8.0%
Working capital€529,810above the sector's middle half▲ 13.4%€601,894above the sector's middle half▲ 13.6%€733,924above the sector's middle half▲ 21.9%€845,795above the sector's middle half▲ 15.2%€953,804above the sector's middle half▲ 12.8%
Solvency81.6%above the sector's middle half▲ 5.5pp83.1%above the sector's middle half▲ 1.5pp85.9%above the sector's middle half▲ 2.9pp88.0%above the sector's middle half▲ 2.0pp89.7%above the sector's middle half▲ 1.7pp
Current ratio7.45above the sector's middle half▲ 1.538.57above the sector's middle half▲ 1.1211.15above the sector's middle half▲ 2.5814.04above the sector's middle half▲ 2.8924.54above the sector's middle half▲ 10.49
Return on assets (ROA)17.0%within the sector's middle half▼ 2.0pp14.2%within the sector's middle half▼ 2.8pp17.7%within the sector's middle half▲ 3.4pp16.4%within the sector's middle half▼ 1.3pp15.5%within the sector's middle half▼ 0.9pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.0m
Fixed assets
€8,652 ▼ 67.9%
Current assets
€994,328 ▲ 9.2%
Equity and liabilities €1.0m
Equity
€899,574 ▲ 9.1%
Provisions
€0 ▼ 100%
Debt
€103,406 ▼ 8.0%
Debt's share of the balance-sheet total falls from 12.0% to 10.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€231,822▲
2024 · €216,773
Cash flow
€173,632▲
2024 · €171,931
Quick ratio
24.50▲
2024 · 14.02
Debt to equity
0.11▼
2024 · 0.14
ROE
17.3%▼
2024 · 18.6%
Interest coverage
53.39▼
2024 · 56.00
Debt ≤ 1 year
€40,525▼
2024 · €64,840
Debt > 1 year
€60,000▲
2024 · €45,000
Income taxes
€68,604▲
2024 · €67,063
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,811 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.3%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a higher bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,811 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €23,641 | €25,380 | €22,039 | €18,616 | €18,316 | ▼ 1.6% |
| Other operating charges640/8 | €1,608 | €1,276 | €1,147 | €1,200 | €1,374 | ▲ 14.5% |
| Gross operating margin9900 | €204,469 | €178,750 | €230,186 | €217,973 | €233,197 | ▲ 7.0% |
| Operating profit (loss)9901 | €179,221 | €152,094 | €207,000 | €198,157 | €213,506 | ▲ 7.7% |
| Financial income75/76B | €6,690 | €7,555 | €6,252 | €25,773 | €14,456 | ▼ 43.9% |
| Recurring financial income75 | €6,690 | €7,555 | €6,252 | €25,773 | €14,456 | ▼ 43.9% |
| Financial charges65/66B | €1,886 | €6,700 | -€1,833 | €3,871 | €4,342 | ▲ 12.2% |
| Recurring financial charges65 | €1,886 | €6,700 | -€1,833 | €3,871 | €4,342 | ▲ 12.2% |
| Profit (loss) for the period before taxes9903 | €184,025 | €152,949 | €215,084 | €220,059 | €223,620 | ▲ 1.6% |
| Transfer from deferred taxes780 | €320 | €320 | €320 | €320 | €301 | ▼ 6.1% |
| Income taxes67/77 | €64,793 | €46,868 | €65,063 | €67,063 | €68,604 | ▲ 2.3% |
| Profit (loss) for the period9904 | €119,552 | €106,401 | €150,342 | €153,316 | €155,316 | ▲ 1.3% |
| Transfer from tax-exempt reserves789 | €57,530 | €1,280 | €1,280 | €1,280 | €1,202 | ▼ 6.1% |
| Profit (loss) for the period to be appropriated9905 | €177,082 | €107,681 | €151,622 | €154,596 | €156,518 | ▲ 1.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €704,268 | €748,975 | €851,781 | €937,603 | €1.0m | ▲ 7.0% |
| Fixed assets21/28 | €92,352 | €67,623 | €45,584 | €26,968 | €8,652 | ▼ 67.9% |
| Tangible fixed assets22/27 | €92,352 | €67,623 | €45,584 | €26,968 | €8,652 | ▼ 67.9% |
| Plant, machinery and equipment23 | €15,458 | €8,208 | €3,876 | €2,956 | €2,037 | ▼ 31.1% |
| Furniture and vehicles24 | €76,894 | €59,415 | €41,708 | €24,012 | €6,615 | ▼ 72.5% |
| Current assets29/58 | €611,916 | €681,352 | €806,197 | €910,635 | €994,328 | ▲ 9.2% |
| Stocks and contracts in progress3 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Stocks30/36 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Amounts receivable within one year40/41 | €14,297 | €31,149 | €17,448 | €23,255 | €56,574 | ▲ 143% |
| Trade receivables40 | €9,967 | €18,670 | €17,448 | €17,087 | €51,060 | ▲ 199% |
| Other amounts receivable41 | €4,330 | €12,479 | €0 | €6,168 | €5,514 | ▼ 10.6% |
| Current investments50/53 | €531,732 | €577,892 | €622,911 | €686,875 | €319,109 | ▼ 53.5% |
| Cash at bank and in hand54/58 | €59,310 | €65,665 | €156,772 | €193,259 | €610,052 | ▲ 216% |
| Deferred charges and accrued income490/1 | €5,077 | €5,146 | €7,566 | €5,747 | €7,094 | ▲ 23.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €704,268 | €748,975 | €851,781 | €937,603 | €1.0m | ▲ 7.0% |
| Equity10/15 | €574,600 | €622,276 | €732,025 | €824,917 | €899,574 | ▲ 9.1% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €554,600 | €602,276 | €712,025 | €804,917 | €879,574 | ▲ 9.3% |
| Non-distributable reserves130/1 | €2,000 | €2,000 | €0 | - | - | - |
| Reserves not available under the articles1311 | €2,000 | €2,000 | €0 | - | - | - |
| Tax-exempt reserves132 | €23,792 | €22,512 | €21,232 | €19,952 | €18,750 | ▼ 6.0% |
| Distributable reserves133 | €528,808 | €577,764 | €690,793 | €784,965 | €860,824 | ▲ 9.7% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Provisions and deferred taxes16 | €1,261 | €941 | €621 | €301 | €0 | ▼ 100% |
| Deferred taxes168 | €1,261 | €941 | €621 | €301 | €0 | ▼ 100% |
| Amounts payable17/49 | €128,407 | €125,759 | €119,136 | €112,385 | €103,406 | ▼ 8.0% |
| Amounts payable after more than one year17 | €45,000 | €45,000 | €45,000 | €45,000 | €60,000 | ▲ 33.3% |
| Other amounts payable178/9 | €45,000 | €45,000 | €45,000 | €45,000 | €60,000 | ▲ 33.3% |
| Amounts payable within one year42/48 | €82,106 | €79,458 | €72,273 | €64,840 | €40,525 | ▼ 37.5% |
| Trade debts44 | €26,655 | €11,797 | €12,833 | €5,094 | €2,134 | ▼ 58.1% |
| Suppliers440/4 | €26,655 | €11,797 | €12,833 | €5,094 | €2,134 | ▼ 58.1% |
| Taxes, remuneration and social security45 | €47,900 | €59,442 | €49,731 | €45,015 | €27,652 | ▼ 38.6% |
| Taxes450/3 | €45,331 | €57,258 | €47,058 | €42,340 | €24,977 | ▼ 41.0% |
| Remuneration and social security454/9 | €2,569 | €2,183 | €2,674 | €2,675 | €2,675 | = |
| Other amounts payable47/48 | €7,551 | €8,220 | €9,708 | €14,731 | €10,739 | ▼ 27.1% |
| Accrued charges and deferred income492/3 | €1,301 | €1,300 | €1,863 | €2,546 | €2,881 | ▲ 13.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €119,552 | €106,401 | €150,342 | €153,316 | €155,316 | ▲ 1.3% |
| + Depreciation and write-downs630 | €23,641 | €25,380 | €22,039 | €18,616 | €18,316 | ▼ 1.6% |
| Operating cash flow (approximation) | €143,193 | €131,781 | €172,381 | €171,931 | €173,632 | ▲ 1.0% |
| Investment in fixed assets (approximation) | - | -€652 | €0 | €0 | €0 | - |
| Change in cash | - | €6,356 | €91,107 | €36,487 | €416,793 | ▲ 1,042% |
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
Next filing, fiscal year 2026, expected by
2026
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €155,316 ▲1.3%
Operating result €213,506, net result €155,316, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500,000Eq €574,600 ▲26.3%
4 profitable years in a row build equity to €574,600.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Wingene · 1 establishment unit since 2012
Ground area
2.0 ha
Building footprint
776 m²
Volume, LiDAR
4,122 m³
Parcel 37019F0024/00Y003, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Saniver-Technics
since 20122.213.327.192
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37019F0024/00Y003 | Flanders | 2.0 ha | 1 · 776 m² | 7.4 m · 2 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.
Subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 494 EUR awarded · 931 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 437 EUR |
| 2023 | 1 | 413 EUR | 413 EUR |
| 2022 | 1 | 81 EUR | 81 EUR |
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Of 7,038 companies in this sector we hold annual accounts for 3,481. 1,764 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded03-10-2012
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
47527Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0849276471
Also
9925:BE0849276471
Registered
31-08-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.