SANTÉ MAGIC 2.0

Active

Private limited companyfounded 20224 yrs activeVaartstraat 78, 3000 Leuven, BelgiumKBO/BCE: BE 0789.852.489

SANTÉ MAGIC 2.0 has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €2k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 49% of 4604 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

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Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability56▼-10

Solvency51▼-1

Growth52=

Track record94

Bankruptcy probability, 12 months

1.3% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days acceptable

Liquidity ample (current ratio 1.73 against 2.18 in 2024; short-term debt: 29.2% and cash: 25.4% of total assets), but 74.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

25.9%

Return on assets

0.9%

Age of the figures

12 mo

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

on the day

2024

on the day

2023

on the day

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

20-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€65k▲ 3.5%

2024 · €63k

2023: €52k 2024: €63k

2023 → 2025

Total assets

€252k▲ 8.4%

2024 · €232k

2023: €230k 2024: €232k

2023 → 2025

Net result

€2k▼ 80.6%

2024 · €11k

2023: €35k 2024: €11k

2023 → 2025

Working capital

€53k▲ 7.6%

2024 · €49k

2023: €31k 2024: €49k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€52k-€63k▲ 22.0%€65k▲ 3.5%

Operating result€53k-€23k▼ 55.8%€12k▼ 50.3%

Net result€35k-€11k▼ 67.2%€2k▼ 80.6%

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 two years in a row; 2025 is 50% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €252k

49.7%

50.3%

Fixed assets €125k▼ 11.0%

Current assets €127k▲ 38.3%

Equity and liabilities €252k

25.9%

74.1%

Equity €65k▲ 3.5%

Debt €187k▲ 10.3%

The debt ratio rises from 72.9% to 74.1%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€32k▼

2024 · €43k

Cash flow

€22k▼

2024 · €31k

Solvency

25.9%▼

2024 · 27.1%

Current ratio

1.73▼

2024 · 2.18

Quick ratio

1.50▼

2024 · 1.80

Debt / equity

2.87▲

2024 · 2.69

ROE

3.4%▼

2024 · 18.0%

ROA

0.9%▼

2024 · 4.9%

Interest coverage

4.30▼

2024 · 4.92

Debt

€187k▲

2024 · €169k

Debt ≤ 1 year

€73k▲

2024 · €42k

Debt > 1 year

€112k▼

2024 · €125k

Income taxes

€2k▼

2024 · €3k

Staff costs

€48k

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€232k€252k▲

Fixed assets21/28€141k€125k▼

Intangible fixed assets21€130k€113k▼

Tangible fixed assets22/27€10k€11k▲

Plant, machinery and equipment23€9k€10k▲

Furniture and vehicles24€2k€1k▼

Financial fixed assets28€562€562=

Current assets29/58€92k€127k▲

Stocks and contracts in progress3€16k€17k▲

Stocks30/36€16k€17k▲

Amounts receivable within one year40/41€14k€46k▲

Trade receivables40€11k€35k▲

Other amounts receivable41€3k€10k▲

Cash at bank and in hand54/58€62k€64k▲

Deferred charges and accrued income490/1€317€149▼

Equity and liabilities

Total equity and liabilities10/49€232k€252k▲

Equity10/15€63k€65k▲

Contributions10/11€25k€25k=

Reserves13€38k€40k▲

Distributable reserves133€38k€40k▲

Amounts payable17/49€169k€187k▲

Amounts payable after more than one year17€125k€112k▼

Financial debts170/4€125k€112k▼

Amounts payable within one year42/48€42k€73k▲

Current portion of amounts payable after more than one year42€13k€13k▲

Trade debts44€2k€5k▲

Suppliers440/4€2k€5k▲

Taxes, remuneration and social security45€16k€21k▲

Taxes450/3€16k€17k▲

Remuneration and social security454/9-€4k

Other amounts payable47/48€12k€34k▲

Accrued charges and deferred income492/3€2k€1k▼

Income statement Code20242025

Remuneration, social security and pensions62-€48k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k▲

Other operating charges640/8€3k€3k▲

Gross operating margin9900€46k€83k▲

Operating profit (loss)9901€23k€12k▼

Financial income75/76B€0-

Recurring financial income75€0-

Financial charges65/66B€9k€7k▼

Recurring financial charges65€9k€7k▼

Profit (loss) for the period before taxes9903€15k€4k▼

Income taxes67/77€3k€2k▼

Profit (loss) for the period9904€11k€2k▼

Profit (loss) for the period to be appropriated9905€11k€2k▼

Appropriation of the result

Profit (loss) to be appropriated9906€11k€2k▼

Transfer to equity691/2€11k€2k▼

To other reserves6921€11k€2k▼

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 30-04-2027

2026

30-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Weakest financial yearnet €2k ▼80.6%

Net result drops to €2k, the lowest in the series.

30-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-04

NBB filing Annual accounts filed

fiscal year 2023 · 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, Leuven · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Vaartstraat 783000 Leuven

Ground area

465 m²

Building footprint

446 m²

Volume, LiDAR

4,362 m³

Parcel 24062A0482/00P000, Flanders · tallest building 17.9 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

SANTÉ MAGIC 2.0

Vaartstraat 78, 3000 LeuvenWholesale trade

since 20222.335.176.614

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24062A0482/00P000	Flanders	465 m²	1 · 446 m²	17.9 m · 3 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 to 2024 · 2 entries · 386 EUR awarded · 386 EUR paid

Year	Entries	awarded	paid
2024	1	209 EUR	209 EUR
2022	1	177 EUR	177 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 386 EUR · 386 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site

Leuven2.335.176.614

1 permission

Detailhandel LM>3 maand · since 18-07-2023

Similar companies · same sector, comparable size

Machelen (Brab.) · Eq €65k

La Louvière · Eq €65k

Of 24,864 companies in sector 96220 we hold annual accounts for 1,443. 1,097 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded22-08-2022

Fiscal year end30-09

Activities, NACEBEL

96022Beauty treatment

96220Beauty care and other beauty treatments

64200Holdings

64210Activities of holding companies

93299Other amusement and recreation activities

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

Phone:0468496873

Establishment Leuven 2.335.176.614