SANT DIAM
ActiveSummary
SANT DIAM has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €235k and a net result of €38k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 28% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+20
Solvency48=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.27 in 2024; short-term debt: 77.3% and cash: 15.3% of total assets), and 77.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
22.7%
Return on assets
3.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
63 d early
2023
58 d early
2022
15 d early
2021
4 d early
2020
19 d late
2019
25 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.13M
EBIT margin
0.7%
Net result
€38k▲ 982%
2024 · €4k
2019: €3k
2020: €3k
2021: €16k
2022: €20k
2023: €3k
2024: €4k
2019 → 2025
Working capital
€221k▲ 22.0%
2024 · €181k
2019: €123k
2020: €125k
2021: €144k
2022: €175k
2023: €179k
2024: €181k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€170k-€190k▲ 11.5%€193k▲ 1.7%€197k▲ 1.8%€235k▲ 19.5%
Operating result€28k-€24k▼ 15.3%€6k▼ 76.6%€9k▲ 61.9%€43k▲ 378%
Net result€16k-€20k▲ 21.8%€3k▼ 83.4%€4k▲ 8.9%€38k▲ 982%
Turnover and EBIT margin not published: the abbreviated 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 378% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€14k ▼ 8.8%
Current assets
€1.02M ▲ 19.1%
Equity and liabilities €1.04M
Equity
€235k ▲ 19.5%
Debt
€801k ▲ 18.4%
Debt's share of the balance-sheet total falls from 77.5% to 77.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€44k▲
2024 · €10k
Cash flow
€40k▲
2024 · €5k
Current ratio
1.28▲
2024 · 1.27
Quick ratio
0.98▼
2024 · 1.06
Debt to equity
3.41▼
2024 · 3.44
ROE
16.3%▲
2024 · 1.8%
ROA
3.7%▲
2024 · 0.4%
Interest coverage
14.28▲
2024 · 4.07
Debt ≤ 1 year
€801k▲
2024 · €677k
Income taxes
€1k▼
2024 · €3k
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 · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€874k€1.04M▲
Fixed assets21/28€16k€14k▼
Tangible fixed assets22/27€16k€14k▼
Land and buildings22€13k€13k=
Furniture and vehicles24€3k€2k▼
Current assets29/58€858k€1.02M▲
Stocks and contracts in progress3€142k€237k▲
Stocks30/36€142k€237k▲
Amounts receivable within one year40/41€566k€627k▲
Trade receivables40€565k€627k▲
Other amounts receivable41€514€663▲
Cash at bank and in hand54/58€150k€158k▲
Equity and liabilities
Total equity and liabilities10/49€874k€1.04M▲
Equity10/15€197k€235k▲
Contributions10/11€112k€112k=
Reserves13€11k€11k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€74k€112k▲
Amounts payable17/49€677k€801k▲
Amounts payable within one year42/48€677k€801k▲
Trade debts44€602k€708k▲
Suppliers440/4€602k€708k▲
Taxes, remuneration and social security45€5k€1k▼
Taxes450/3€5k€1k▼
Other amounts payable47/48€71k€93k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€13k€47k▲
Operating profit (loss)9901€9k€43k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€6k€40k▲
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€4k€38k▲
Profit (loss) for the period to be appropriated9905€4k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€112k▲
Profit (loss) brought forward from the previous period14P€70k€74k▲
The notes to these accounts (4 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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €38k ▲982%
Operating result €43k, net result €38k, both a record.
30-06
Financial
Equity above €200kEq €235k ▲19.5%
7 profitable years in a row build equity to €235k.
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
16-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
19-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
2020
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
05-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
13 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, Antwerpen · 1 establishment unit since 1989
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.
Hoveniersstraat 302018 AntwerpenGround area
3,046 m²
Building footprint
2,904 m²
Volume, LiDAR
74,659 m³
Parcel 11808H1178/00S008, Flanders · tallest building 46.0 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
SANT DIAM
since 19892.045.642.106
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1178/00S008 | Flanders | 3,046 m² | 1 · 2,904 m² | 46.0 m · 8 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.
Similar companies · same sector, comparable size
EURO GEMS
BE 0437.796.236
Antwerpen · Eq €235,409
Rakyan Rarities Collection
BE 0805.124.348
Antwerpen · Eq €237,171
GLASOL
BE 0414.922.250
Antwerpen · Eq €231,676
CHAN'S DIAMOND
BE 0439.771.769
Antwerpen · Eq €229,476
UGAM
BE 0460.772.467
Antwerpen · Eq €228,912
Of 1,229 companies in sector 46861 we hold annual accounts for 678. 437 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
Founded30-10-1989
Fiscal year end30-06
Activities, NACEBEL 2025
46861Wholesale of diamonds and other precious stones
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.