SANSECO
ActiveSANSECO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €63k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 74% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +19 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+2
Solvency100▲+32
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.05 against 1.31 in 2024), and 30.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 43
higher
← 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
69.2%
Return on assets
48.1%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €91k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 8 filingsDeviation from the deadline
2025
5 d late
2024
25 d late
2023
72 d early
2022
on the day
2021
4 d early
2020
11 d early
2019
66 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k▲ 228%
2024 · €28k
2018: €8k
2019: €21k
2020: €-15k
2021: €-7k
2022: €17k
2023: €22k
2024: €28k
2018 → 2025
Total assets
€131k▲ 89.5%
2024 · €69k
2018: €40k
2019: €60k
2020: €101k
2021: €89k
2022: €87k
2023: €70k
2024: €69k
2018 → 2025
Net result
€63k▲ 1,070%
2024 · €5k
2018: €2k
2019: €13k
2020: €-36k
2021: €8k
2022: €23k
2023: €6k
2024: €5k
2018 → 2025
Working capital
€82k▲ 540%
2024 · €13k
2018: €4k
2019: €18k
2020: €-29k
2021: €-32k
2022: €-6k
2023: €1k
2024: €13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-7k-€17k€22k▲ 34.1%€28k▲ 24.2%€91k▲ 228%
Operating result€10k-€24k▲ 151%€10k▼ 58.9%€12k▲ 15.9%€92k▲ 689%
Net result€8k-€23k▲ 198%€6k▼ 75.7%€5k▼ 4.8%€63k▲ 1,070%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 689% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€9k▼ 42.2%
Current assets
€122k▲ 125%
Equity and liabilities €131k
Equity
€91k▲ 228%
Debt
€40k▼ 2.9%
The debt ratio falls from 60.1% to 30.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€106k▲
2024 · €30k
Cash flow
€78k▲
2024 · €24k
Solvency
69.2%▲
2024 · 39.9%
Current ratio
3.05▲
2024 · 1.31
Quick ratio
3.05▲
2024 · 1.31
Debt / equity
0.44▼
2024 · 1.50
ROE
69.5%▲
2024 · 19.5%
ROA
48.1%▲
2024 · 7.8%
Interest coverage
78.27▲
2024 · 15.89
Debt
€40k▼
2024 · €41k
Debt ≤ 1 year
€40k▼
2024 · €41k
Income taxes
€27k▲
2024 · €4k
Staff costs
€208k▲
2024 · €187k
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€69k€131k▲
Fixed assets21/28€15k€9k▼
Tangible fixed assets22/27€15k€9k▼
Land and buildings22-€2k
Plant, machinery and equipment23€2k€6k▲
Furniture and vehicles24€4k€493▼
Leasing and similar rights25€9k-
Current assets29/58€54k€122k▲
Amounts receivable within one year40/41€13k€11k▼
Trade receivables40€3k€5k▲
Other amounts receivable41€11k€6k▼
Cash at bank and in hand54/58€36k€108k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€69k€131k▲
Equity10/15€28k€91k▲
Contributions10/11€6k€6k=
Reserves13€21k€84k▲
Distributable reserves133€21k€84k▲
Amounts payable17/49€41k€40k▼
Amounts payable within one year42/48€41k€40k▼
Current portion of amounts payable after more than one year42€12k€4k▼
Trade debts44€27k€25k▼
Suppliers440/4€27k€25k▼
Taxes, remuneration and social security45€2k€10k▲
Taxes450/3€2k€7k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48-€553
Accrued charges and deferred income492/3-€177
Income statement
Code20242025
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€187k€208k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€15k▼
Other operating charges640/8€39k€43k▲
Non-recurring operating charges66A€519€1k▲
Gross operating margin9900€255k€359k▲
Operating profit (loss)9901€12k€92k▲
Financial income75/76B€28€83▲
Recurring financial income75€28€83▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€10k€90k▲
Income taxes67/77€4k€27k▲
Profit (loss) for the period9904€5k€63k▲
Profit (loss) for the period to be appropriated9905€5k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€63k▲
Transfer to equity691/2€5k€63k▲
To other reserves6921€5k€63k▲
The notes to these accounts (7 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-12
Financial
Highest result since 2018net €63k ▲1070%
Operating result €92k, net result €63k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.05
Current ratio from 1.31 to 3.05; short-term debt falls from €41k to €40k.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
20-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-36k ▼370%
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Haacht · 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.
Sint-Adriaanveld 2B3150 HaachtGround area
1,144 m²
Building footprint
233 m²
Volume, LiDAR
925 m³
Parcel 24033F0245/00E000, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Sint-Adriaanveld 2B, 3150 Haacht
since 20202.327.960.111
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24033F0245/00E000 | Flanders | 1,144 m² | 1 · 233 m² | 6.9 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 213 EUR awarded · 213 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 213 EUR | 213 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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ATELIER V
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Of 3,934 companies in sector 43331 we hold annual accounts for 1,776. 1,548 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2017
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.