SANLOO
ActiveSummary
SANLOO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €123,209 and a net result of €1,823. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 95% of 28281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-1
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 29.8 against 9.4 in 2024; short-term debt: 2.7% and cash: 28.4% of total assets), and 2.7% of the assets are financed with debt.
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Signals
Five 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 · 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
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
97.3%
Return on assets
1.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
2 d late
2023
3 d early
2022
4 d early
2021
59 d late
2020
114 d late
2019
117 d late
← 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 45 days after 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 2 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1,823▼ 47.7%
2024 · €3,489
Working capital
€98,706▲ 8.2%
2024 · €91,248
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€4,135▲ 7.0%-€375-€14,869▼ 3,865%€4,613€2,373▼ 48.6%
Net result€2,416within the sector's middle half-€2,801below the sector's middle half-€17,035below the sector's middle half▼ 508%€3,489within the sector's middle half€1,823within the sector's middle half▼ 47.7%
Equity€137,733within the sector's middle half▲ 1.8%€134,932above the sector's middle half▼ 2.0%€117,897within the sector's middle half▼ 12.6%€121,386within the sector's middle half▲ 3.0%€123,209within the sector's middle half▲ 1.5%
Total assets€164,124below the sector's middle half▼ 4.2%€160,990within the sector's middle half▼ 1.9%€122,225within the sector's middle half▼ 24.1%€132,248within the sector's middle half▲ 8.2%€126,636within the sector's middle half▼ 4.2%
Debt€26,391▼ 26.8%€26,058▼ 1.3%€4,328▼ 83.4%€10,862▲ 151%€3,427▼ 68.4%
Working capital€108,344within the sector's middle half▼ 7.9%€100,456above the sector's middle half▼ 7.3%€82,807within the sector's middle half▼ 17.6%€91,248within the sector's middle half▲ 10.2%€98,706above the sector's middle half▲ 8.2%
Solvency83.9%above the sector's middle half▲ 4.9pp83.8%above the sector's middle half▼ 0.1pp96.5%above the sector's middle half▲ 12.6pp91.8%above the sector's middle half▼ 4.7pp97.3%above the sector's middle half▲ 5.5pp
Current ratio5.11above the sector's middle half▲ 0.844.86above the sector's middle half▼ 0.2520.13above the sector's middle half▲ 15.289.40above the sector's middle half▼ 10.7329.80above the sector's middle half▲ 20.40
Return on assets (ROA)1.5%within the sector's middle half▲ 3.2pp-1.7%below the sector's middle half▼ 3.2pp-13.9%below the sector's middle half▼ 12.2pp2.6%within the sector's middle half▲ 16.6pp1.4%within the sector's middle half▼ 1.2pp
Staff (FTE)
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.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €126,636
Fixed assets
€24,503 ▼ 18.7%
Current assets
€102,134 =
Equity and liabilities €126,636
Equity
€123,209 ▲ 1.5%
Debt
€3,427 ▼ 68.4%
Debt's share of the balance-sheet total falls from 8.2% to 2.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9,036▼
2024 · €12,162
Cash flow
€8,486▼
2024 · €11,038
Debt to equity
0.03▼
2024 · 0.09
ROE
1.5%▼
2024 · 2.9%
Interest coverage
92.28▼
2024 · 110.50
Debt ≤ 1 year
€3,427▼
2024 · €10,862
Income taxes
€456▼
2024 · €1,014
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,039 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 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% | 1.9% |
| 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 17,039 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 | €6,384 | €7,564 | €8,792 | €7,550 | €6,663 | ▼ 11.7% |
| Other operating charges640/8 | €910 | €974 | €990 | €511 | €1,173 | ▲ 129% |
| Non-recurring operating charges66A | €285 | €86 | €63 | €423 | €206 | ▼ 51.4% |
| Gross operating margin9900 | €11,714 | €8,249 | -€5,024 | €13,097 | €10,415 | ▼ 20.5% |
| Operating profit (loss)9901 | €4,135 | -€375 | -€14,869 | €4,613 | €2,373 | ▼ 48.6% |
| Financial income75/76B | €11 | - | - | €0 | €4 | ▲ 4,838% |
| Recurring financial income75 | €11 | - | - | €0 | €4 | ▲ 4,838% |
| Financial charges65/66B | €1,141 | €320 | €287 | €110 | €98 | ▼ 11.0% |
| Recurring financial charges65 | €1,141 | €320 | €287 | €110 | €98 | ▼ 11.0% |
| Profit (loss) for the period before taxes9903 | €3,005 | -€695 | -€15,156 | €4,503 | €2,279 | ▼ 49.4% |
| Income taxes67/77 | €589 | €2,106 | €1,879 | €1,014 | €456 | ▼ 55.0% |
| Profit (loss) for the period9904 | €2,416 | -€2,801 | -€17,035 | €3,489 | €1,823 | ▼ 47.7% |
| Profit (loss) for the period to be appropriated9905 | €2,416 | -€2,801 | -€17,035 | €3,489 | €1,823 | ▼ 47.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €164,124 | €160,990 | €122,225 | €132,248 | €126,636 | ▼ 4.2% |
| Fixed assets21/28 | €29,389 | €34,476 | €35,090 | €30,138 | €24,503 | ▼ 18.7% |
| Tangible fixed assets22/27 | €29,252 | €34,476 | €35,090 | €30,138 | €24,503 | ▼ 18.7% |
| Plant, machinery and equipment23 | €473 | €1,770 | €1,150 | €767 | €383 | ▼ 50.0% |
| Furniture and vehicles24 | €1,475 | €1,080 | €3,630 | €3,963 | €3,612 | ▼ 8.9% |
| Other tangible fixed assets26 | €27,304 | €31,626 | €30,310 | €25,409 | €20,508 | ▼ 19.3% |
| Financial fixed assets28 | €137 | - | - | - | - | - |
| Current assets29/58 | €134,735 | €126,514 | €87,135 | €102,110 | €102,134 | = |
| Amounts receivable within one year40/41 | €37,462 | €55,205 | €32,463 | €65,070 | €66,209 | ▲ 1.8% |
| Trade receivables40 | €37,462 | €55,193 | €22,321 | €32,385 | €36,164 | ▲ 11.7% |
| Other amounts receivable41 | - | €12 | €10,142 | €32,685 | €30,045 | ▼ 8.1% |
| Cash at bank and in hand54/58 | €97,273 | €71,309 | €54,672 | €37,041 | €35,925 | ▼ 3.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €164,124 | €160,990 | €122,225 | €132,248 | €126,636 | ▼ 4.2% |
| Equity10/15 | €137,733 | €134,932 | €117,897 | €121,386 | €123,209 | ▲ 1.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | €18,600 | - | - | - | - | - |
| Other1109/19 | €18,600 | - | - | - | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €117,273 | €114,472 | €97,437 | €100,926 | €102,749 | ▲ 1.8% |
| Amounts payable17/49 | €26,391 | €26,058 | €4,328 | €10,862 | €3,427 | ▼ 68.4% |
| Amounts payable within one year42/48 | €26,391 | €26,058 | €4,328 | €10,862 | €3,427 | ▼ 68.4% |
| Trade debts44 | €25,369 | €24,677 | €4,328 | €10,862 | €1,927 | ▼ 82.3% |
| Suppliers440/4 | €25,369 | €24,677 | €4,328 | €10,862 | €1,927 | ▼ 82.3% |
| Advances received on contracts in progress46 | - | - | - | - | €1,500 | - |
| Taxes, remuneration and social security45 | €946 | - | - | - | - | - |
| Taxes450/3 | €946 | - | - | - | - | - |
| Other amounts payable47/48 | €76 | €1,381 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,416 | -€2,801 | -€17,035 | €3,489 | €1,823 | ▼ 47.7% |
| + Depreciation and write-downs630 | €6,384 | €7,564 | €8,792 | €7,550 | €6,663 | ▼ 11.7% |
| Operating cash flow (approximation) | €8,800 | €4,763 | -€8,243 | €11,038 | €8,486 | ▼ 23.1% |
| Investment in fixed assets (approximation) | - | -€12,651 | -€9,406 | -€2,598 | -€1,028 | ▲ 60.4% |
| Change in cash | - | -€25,964 | -€16,637 | -€17,631 | -€1,116 | ▲ 93.7% |
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 29.80
Current ratio from 9.40 to 29.80; short-term debt falls from €10,862 to €3,427.
02-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 2 days late
2024
31-12
Financial
Back to profitnet €3,489
Net result €3,489 after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€17,035
Net result drops to -€17,035, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 20.13
Current ratio from 4.86 to 20.13; short-term debt falls from €26,058 to €4,328.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 59 days late
2021
31-12
Financial
Back to profitnet €2,416
Net result €2,416 after 2 loss-making years.
22-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 114 days late
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 117 days late
Show earlier events
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 50 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 61 days late
2016
04-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 65 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Waterloo · 1 establishment unit since 2006
Ground area
1,912 m²
Building footprint
315 m²
Volume, LiDAR
1,962 m³
Parcel 25764O0501/00H000, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Sanloo
since 20062.151.682.605
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25764O0501/00H000 | Wallonia | 1,912 m² | 1 · 315 m² | 8.7 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.
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Of 22,827 companies in sector 43211 we hold annual accounts for 10,333. 8,741 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
Founded17-01-2006
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
47120Other non-specialised retail sale
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63910Web portal activities
73110Advertising agencies
82100Office administrative and support services
85592Vocational training
E-invoicing
Reachable via Peppol
Peppol ID
0208:0878813862
Also
9925:BE0878813862
Registered
19-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.