SANTEL

Active

Private limited companyfounded 20215 yrs activeRue de Moncheret(ACO) 79, 6280 Gerpinnes, BelgiumKBO/BCE: BE 0762.631.519

Summary

SANTEL has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106,384 and a net result of €34,510. Equity is growing by ~30.5% per year across the filed fiscal years. Its solvency ranks better than 82% of 20110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch Report Compare

SANTELActiveChecked score 89/100

Risk analysis Report Compare

Activity

Retail sale of pharmaceutical products

NACE 47730

1 site

Size

€146,637total assets 2025

Equity: €106,384
Profit: €34,510

Turnover not published (abridged schema)

Financial health

89 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.3%

Structure

Accounts 43 d early0 of 2 deeds read

Why 89- 1 change of registered office in 24 months- Founded in 2021+ Liquidity: current ratio 6.11, cash €88,255+ Equity €106,384 (72.5% of total assets)Show the evidence

Checked score

Score 2025

89 / 100

Excellent

Probability in this band: under 0.55%

Better than 75% of its sector peers (NACE 47, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 98-2

equity 72.5% of total assets

Liquidity 99=

short-term debt 12.3% · cash 60.2%

Profitability 98=

return on assets 23.5%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,898 companies)

Last 5 months 06-2026: 0.3%highest value 07-2026: 0.3%▼ -4.8% vs 06-2026 08-2026: 0.3%▲ +3.1% vs 07-2026 09-2026: 0.3%● 0.0% vs 08-2026 10-2026: 0.3%▼ -3.9% vs 09-2026lowest value

Liquidity: current ratio 6.11, cash €88,255 lowers the probability
1 change of registered office in 24 months raises the probability
Founded in 2021 raises the probability for this profile
Equity €106,384 (72.5% of total assets) lowers the probability

Credit up to €9,000 at 30 days acceptable

Liquidity ample (current ratio 6.11 against 9.05 in 2024; short-term debt: 12.3% and cash: 60.2% of total assets), and 27.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 83%, liquidity 96%, profitability 91%, growth against the median 31%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Liquidity: current ratio 6.11, cash €88,255

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Founded in 2021

In the bankruptcy model this factor raises the probability for this profile.

KBO

Equity €106,384 (72.5% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-06-2026, 43 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

43 d early

2024

21 d early

2023

7 d late

2022

on the day

2021

4 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 11 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 31 July (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 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

18-06-26 Annual accounts filedfiscal year 2025 · micro…
10-07-25 Annual accounts filedfiscal year 2024 · micro…
31-12-24 Equity above €100,000Eq €111,874 ▲36.1%

Key points

Positive: Among the best 18% on net resultsector median €5,003 · 20,084 companies €34,510 View
Positive: 5 profitable years in a rowprofit 2025: €34,510 5 years View
Total assets 20255 fiscal years filed €146,637 View