SANS VALEUR
ActiveThe computed 12-month bankruptcy probability of SANS VALEUR is 5.4% (elevated). The 2025 annual accounts show equity of €21k and a net result of €2k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 66% of 4488 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-15
Solvency80▼-16
Growth52=
Track record94
Bankruptcy probability, 12 months
5.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity ample (current ratio 1.67 against 1.93 in 2024; short-term debt: 45.1% and cash: 1% of total assets), and 45.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
54.9%
Return on assets
5.4%
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 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
31 d late
2023
122 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▲ 10.9%
2024 · €19k
2023: €13k
2024: €19k
2023 → 2025
Total assets
€38k▲ 42.4%
2024 · €26k
2023: €29k
2024: €26k
2023 → 2025
Net result
€2k▼ 63.3%
2024 · €6k
2023: €11k
2024: €6k
2023 → 2025
Working capital
€11k▲ 57.1%
2024 · €7k
2023: €6k
2024: €7k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€13k-€19k▲ 42.0%€21k▲ 10.9%
Operating result€14k-€7k▼ 50.6%€9k▲ 27.6%
Net result€11k-€6k▼ 50.5%€2k▼ 63.3%
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 28% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€9k▼ 18.3%
Current assets
€28k▲ 88.9%
Equity and liabilities €38k
Equity
€21k▲ 10.9%
Debt
€17k▲ 118%
The debt ratio rises from 29.4% to 45.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11k▼
2024 · €11k
Cash flow
€4k▼
2024 · €10k
Solvency
54.9%▼
2024 · 70.6%
Current ratio
1.67▼
2024 · 1.93
Quick ratio
1.67▼
2024 · 1.93
Debt / equity
0.82▲
2024 · 0.42
ROE
9.8%▼
2024 · 29.6%
ROA
5.4%▼
2024 · 20.9%
Interest coverage
10.88
Debt
€17k▲
2024 · €8k
Debt ≤ 1 year
€17k▲
2024 · €8k
Income taxes
€6k▲
2024 · €2k
Staff costs
€12k
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€26k€38k▲
Fixed assets21/28€11k€9k▼
Tangible fixed assets22/27€2k-
Furniture and vehicles24€2k-
Financial fixed assets28€9k€9k▲
Current assets29/58€15k€28k▲
Amounts receivable within one year40/41€15k€28k▲
Trade receivables40€9k€10k▲
Other amounts receivable41€6k€18k▲
Cash at bank and in hand54/58€279€391▲
Equity and liabilities
Total equity and liabilities10/49€26k€38k▲
Equity10/15€19k€21k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€17k€19k▲
Amounts payable17/49€8k€17k▲
Amounts payable within one year42/48€8k€17k▲
Current portion of amounts payable after more than one year42€2k-
Trade debts44€122€526▲
Suppliers440/4€122€526▲
Taxes, remuneration and social security45€6k€16k▲
Taxes450/3€6k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€12k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€3k€954▼
Gross operating margin9900€15k€25k▲
Operating profit (loss)9901€7k€9k▲
Financial charges65/66B-€1k
Recurring financial charges65-€1k
Profit (loss) for the period before taxes9903€7k€8k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€6k€2k▼
Profit (loss) for the period to be appropriated9905€6k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€19k▲
Profit (loss) brought forward from the previous period14P€11k€17k▲
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €2k ▼63.3%
Net result drops to €2k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Etterbeek · 1 establishment unit since 2022
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.
Jachtlaan 133/1351040 EtterbeekGround area
75 m²
Building footprint
63 m²
Volume, LiDAR
859 m³
Parcel 21364B0183/00H003, Brussels · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Jachtlaan 133, 1040 Etterbeek
since 20222.333.630.651
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21364B0183/00H003 | Brussels | 75 m² | 1 · 63 m² | 17.8 m · 5 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.
Recognitions · licences · registrations
Parcel delivery
Notified to the BIPT
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BE 0548.959.721
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Of 12,603 companies in sector 49410 we hold annual accounts for 8,196. 5,019 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-07-2022
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
52250Logistics services
52290Warehousing and support activities for transportation
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.