SANSEBO
ActiveSummary
The computed 12-month bankruptcy probability of SANSEBO is 2.3% (moderate). The 2024 annual accounts show equity of €210k and a net result of €30k. Equity is growing by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 74% of 36375 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▼-6
Solvency93▼-2
Growth52=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 4.73 against 5.43 in 2023; short-term debt: 14% and cash: 53.5% of total assets), and 31.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
36 d early
2022
32 d early
2021
12 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€210k▲ 16.7%
2023 · €180k
2021: €96k
2022: €142k
2023: €180k
2021 → 2024
Total assets
€307k▲ 19.6%
2023 · €257k
2021: €236k
2022: €204k
2023: €257k
2021 → 2024
Net result
€30k▼ 21.1%
2023 · €38k
2021: €91k
2022: €46k
2023: €38k
2021 → 2024
Working capital
€161k▲ 23.9%
2023 · €130k
2021: €50k
2022: €103k
2023: €130k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€96k-€142k▲ 48.2%€180k▲ 26.8%€210k▲ 16.7%
Operating result€109k-€58k▼ 46.5%€50k▼ 15.0%€40k▼ 19.6%
Net result€91k-€46k▼ 49.1%€38k▼ 17.5%€30k▼ 21.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 20% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €307k
Fixed assets
€103k ▲ 5.5%
Current assets
€204k ▲ 28.2%
Equity and liabilities €307k
Equity
€210k ▲ 16.7%
Debt
€97k ▲ 26.3%
Debt's share of the balance-sheet total rises from 29.9% to 31.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€80k▼
2023 · €82k
Cash flow
€70k=
2023 · €70k
Current ratio
4.73▼
2023 · 5.43
Debt to equity
0.46▲
2023 · 0.43
ROE
14.3%▼
2023 · 21.2%
ROA
9.8%▼
2023 · 14.8%
Interest coverage
29.38▼
2023 · 87.49
Debt ≤ 1 year
€43k▲
2023 · €29k
Debt > 1 year
€54k▲
2023 · €48k
Income taxes
€7k▼
2023 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 42 lines
Balance sheet
Code20232024
Assets
Total assets20/58€257k€307k▲
Fixed assets21/28€98k€103k▲
Tangible fixed assets22/27€98k€103k▲
Land and buildings22€4k€2k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€89k€99k▲
Current assets29/58€159k€204k▲
Amounts receivable within one year40/41€27k€36k▲
Trade receivables40€8k€13k▲
Other amounts receivable41€19k€23k▲
Cash at bank and in hand54/58€128k€164k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€257k€307k▲
Equity10/15€180k€210k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€175k€205k▲
Amounts payable17/49€77k€97k▲
Amounts payable after more than one year17€48k€54k▲
Financial debts170/4€48k€54k▲
Amounts payable within one year42/48€29k€43k▲
Current portion of amounts payable after more than one year42€20k€23k▲
Trade debts44€7k€16k▲
Suppliers440/4€7k€16k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3-€1k
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€208-
Income statement
Code20232024
Non-recurring operating income76A-€14k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€40k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€83k€81k▼
Operating profit (loss)9901€50k€40k▼
Financial income75/76B€11€9▼
Recurring financial income75€11€9▼
Financial charges65/66B€932€3k▲
Recurring financial charges65€932€3k▲
Profit (loss) for the period before taxes9903€49k€37k▼
Income taxes67/77€11k€7k▼
Profit (loss) for the period9904€38k€30k▼
Profit (loss) for the period to be appropriated9905€38k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€175k€205k▲
Profit (loss) brought forward from the previous period14P€137k€175k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €30k ▼21.1%
Net result drops to €30k, the lowest in the series.
31-12
Financial
Equity above €200kEq €210k ▲16.7%
4 profitable years in a row build equity to €210k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €180k ▲26.8%
3 profitable years in a row build equity to €180k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 6.50
Current ratio from 1.62 to 6.50; short-term debt falls from €82k to €19k.
31-12
Financial
Equity above €100kEq €142k ▲48.2%
2 profitable years in a row build equity to €142k.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Geraardsbergen · 1 establishment unit since 2020
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.
Schillebeekstraat 50B9500 GeraardsbergenGround area
492 m²
Building footprint
77 m²
Volume, LiDAR
5 m³
Parcel 41056B0606/00L000, Flanders · tallest building 2.7 m. Linked by address, not a title deed.
1 establishment unit
SANSEBO
since 20202.309.986.209
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41056B0606/00L000 | Flanders | 492 m² | 1 · 77 m² | 2.7 m |
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.
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ALFONS SWERTS EN ZOON, SANITAIR EN CENTRALE VERWARMING
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IQ SOLUTIONS
BE 0762.447.912
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VANDENBUSSCHE - LAMPO
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Of 7,041 companies in sector 43221 we hold annual accounts for 3,471. 2,861 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.