Sans Collier
ActiveSans Collier has been active since 1972 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14.71M and a net result of €464k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 80% of 502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-7
Solvency100=
Growth63=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.3M at 30 days acceptable
Liquidity ample (current ratio 5.37 against 29.28 in 2024; short-term debt: 9.3% and cash: 26.1% of total assets), and 12.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 94
Relative position
BE, all sectors
reference
Sector 94
lower
← 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
87.6%
Return on assets
2.8%
Age of the figures
9 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
25 d late
2023
29 d early
2022
18 d early
2021
29 d late
2020
26 d late
2019
94 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€611k▲ 6.1%
2019 · €576k
2018: €464k
2019: €576k
2018 → 2020
EBIT margin
198.2%▲ 38.5pp
2019 · 159.7%
2018: 493.1%
2019: 159.7%
2018 → 2020
Net result
€464k▼ 63.9%
2024 · €1.29M
2018: €2.34M
2019: €786k
2020: €1.18M
2021: €406k
2022: €1.68M
2023: €1.29M
2024: €1.29M
2018 → 2025
Working capital
€6.85M▼ 15.4%
2024 · €8.10M
2018: €5.61M
2019: €6.10M
2020: €6.19M
2021: €5.03M
2022: €6.47M
2023: €7.53M
2024: €8.10M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9.97M-€11.65M▲ 16.9%€12.94M▲ 11.1%€14.24M▲ 10.0%€14.71M▲ 3.3%
Operating result€313k-€1.70M▲ 444%€1.39M▼ 18.6%€796k▼ 42.6%€388k▼ 51.3%
Net result€406k-€1.68M▲ 314%€1.29M▼ 23.1%€1.29M▼ 0.5%€464k▼ 63.9%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 51% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16.78M
Fixed assets
€8.36M▲ 8.6%
Current assets
€8.42M▲ 0.4%
Equity and liabilities €16.78M
Equity
€14.71M▲ 3.3%
Debt
€2.08M▲ 12.7%
The debt ratio rises from 11.5% to 12.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€910k▼
2024 · €1.23M
Cash flow
€986k▼
2024 · €1.72M
Solvency
87.6%▼
2024 · 88.5%
Current ratio
5.37▼
2024 · 29.28
Quick ratio
5.36▼
2024 · 29.23
Debt / equity
0.14▲
2024 · 0.13
ROE
3.2%▼
2024 · 9.0%
ROA
2.8%▼
2024 · 8.0%
Interest coverage
26.13▼
2024 · 39.37
Debt
€2.08M▲
2024 · €1.84M
Debt ≤ 1 year
€1.57M▲
2024 · €286k
Debt > 1 year
€509k▼
2024 · €1.55M
Income taxes
€0▼
2024 · €5k
Staff costs
€819k▲
2024 · €718k
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€16.08M€16.78M▲
Fixed assets21/28€7.70M€8.36M▲
Intangible fixed assets21€5k€2k▼
Tangible fixed assets22/27€7.69M€8.36M▲
Land and buildings22€6.80M€7.96M▲
Plant, machinery and equipment23€3k€7k▲
Furniture and vehicles24€220k€265k▲
Assets under construction and advance payments27€670k€126k▼
Current assets29/58€8.39M€8.42M▲
Stocks and contracts in progress3€16k€14k▼
Stocks30/36€16k€14k▼
Amounts receivable within one year40/41€115k€407k▲
Trade receivables40€39k€347k▲
Other amounts receivable41€77k€60k▼
Current investments50/53€3.78M€3.60M▼
Cash at bank and in hand54/58€4.47M€4.39M▼
Deferred charges and accrued income490/1€9k€13k▲
Equity and liabilities
Total equity and liabilities10/49€16.08M€16.78M▲
Equity10/15€14.24M€14.71M▲
Contributions10/11€268k€268k=
Capital10€268k€268k=
Profit (loss) carried forward14€13.96M€14.42M▲
Investment grants15€13k€13k=
Amounts payable17/49€1.84M€2.08M▲
Amounts payable after more than one year17€1.55M€509k▼
Financial debts170/4€1.55M€509k▼
Amounts payable within one year42/48€286k€1.57M▲
Current portion of amounts payable after more than one year42€44k€1.05M▲
Trade debts44€105k€391k▲
Suppliers440/4€105k€391k▲
Taxes, remuneration and social security45€131k€125k▼
Taxes450/3€23k€35k▲
Remuneration and social security454/9€108k€90k▼
Accrued charges and deferred income492/3€5k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€718k€819k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€433k€522k▲
Other operating charges640/8€64k€210k▲
Non-recurring operating charges66A€5k€0▼
Gross operating margin9900€2.02M€1.94M▼
Operating profit (loss)9901€796k€388k▼
Financial income75/76B€526k€111k▼
Recurring financial income75€526k€111k▼
Financial charges65/66B€31k€35k▲
Recurring financial charges65€31k€35k▲
Profit (loss) for the period before taxes9903€1.29M€464k▼
Income taxes67/77€5k€0▼
Profit (loss) for the period9904€1.29M€464k▼
Profit (loss) for the period to be appropriated9905€1.29M€464k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13.96M€14.42M▲
Profit (loss) brought forward from the previous period14P€12.67M€13.96M▲
Social balance
Average headcount (FTE)908717.118.4▲
The notes to these accounts (14 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Liquidity doublescurrent ratio 22.56
Current ratio from 10.20 to 22.56; short-term debt falls from €546k to €300k.
31-12
Financial
Equity above €10MEq €11.65M ▲16.9%
5 profitable years in a row build equity to €11.65M.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €406k ▼65.5%
Net result drops to €406k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 94 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
17 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, Perwez · 1 establishment unit since 2008
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.
Chaussée de Charleroi 681360 PerwezGround area
3,958 m²
Building footprint
309 m²
Parcel 25101A0078/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Sans Collier
since 20082.195.737.530
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25101A0078/00F000 | Wallonia | 3,958 m² | 1 · 309 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePerwez2.195.737.530
Legal Entity Identifier
894500DB0GX6XU1D3J82
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Of 3,134 companies in sector 94999 we hold annual accounts for 707. 138 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded19-10-1972
Fiscal year end31-12
Activities, NACEBEL
94999Other membership organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.