SANTENS IMMO
ActiveSANTENS IMMO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €770k and a net result of €8k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 82% of 1457 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
55 d late
2023
14 d early
2022
27 d early
2021
40 d early
2020
3 d early
2019
47 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, abbreviated schema
Equity
€770k▼ 20.0%
2024 · €962k
2018: €710k
2019: €713k
2020: €715k
2021: €718k
2022: €736k
2023: €792k
2024: €962k
2018 → 2025
Net result
€8k▼ 95.3%
2024 · €170k
2018: €6k
2019: €3k
2020: €2k
2021: €3k
2022: €18k
2023: €56k
2024: €170k
2018 → 2025
Total assets
€984k▼ 4.0%
2024 · €1.02M
2018: €715k
2019: €718k
2020: €726k
2021: €724k
2022: €742k
2023: €1.05M
2024: €1.02M
2018 → 2025
Solvency
78.3%▼ 15.6pp
2024 · 93.9%
2018: 99.3%
2019: 99.3%
2020: 98.5%
2021: 99.2%
2022: 99.2%
2023: 75.7%
2024: 93.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€718k-€736k▲ 2.5%€792k▲ 7.6%€962k▲ 21.5%€770k▼ 20.0%
Operating result€851-€16k▲ 1,825%€61k▲ 271%€207k▲ 241%€2k▼ 99.0%
Net result€3k-€18k▲ 520%€56k▲ 209%€170k▲ 204%€8k▼ 95.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 99% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €984k
Fixed assets
€621k▼ 4.8%
Current assets
€363k▼ 2.7%
Equity and liabilities €984k
Equity
€770k▼ 20.0%
Debt
€213k▲ 240%
The debt ratio rises from 6.1% to 21.7%: debt grows while equity shrinks.
Key figures and ratios
Solvency
78.3%▼
2024 · 93.9%
ROE
1.0%▼
2024 · 17.7%
ROA
0.8%▼
2024 · 16.6%
Debt
€213k▲
2024 · €63k
Debt ≤ 1 year
€213k▲
2024 · €63k
Income taxes
€9k▼
2024 · €51k
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€1.02M€984k▼
Fixed assets21/28€652k€621k▼
Tangible fixed assets22/27€652k€621k▼
Land and buildings22€627k€601k▼
Plant, machinery and equipment23€25k€20k▼
Current assets29/58€373k€363k▼
Amounts receivable within one year40/41€358k€342k▼
Trade receivables40€26k€26k=
Other amounts receivable41€332k€316k▼
Cash at bank and in hand54/58€140€5k▲
Deferred charges and accrued income490/1€15k€15k▲
Equity and liabilities
Total equity and liabilities10/49€1.02M€984k▼
Equity10/15€962k€770k▼
Contributions10/11€700k€700k=
Reserves13€262k€70k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€262k€70k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€63k€213k▲
Amounts payable within one year42/48€63k€213k▲
Trade debts44€11k€9k▼
Suppliers440/4€11k€9k▼
Taxes, remuneration and social security45€51k€0▼
Taxes450/3€51k€0▼
Other amounts payable47/48€0€204k▲
Income statement
Code20242025
Non-recurring operating income76A€203k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€31k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€243k€38k▼
Operating profit (loss)9901€207k€2k▼
Financial income75/76B€15k€15k▲
Recurring financial income75€15k€15k▲
Financial charges65/66B€51€54▲
Recurring financial charges65€51€54▲
Profit (loss) for the period before taxes9903€222k€17k▼
Income taxes67/77€51k€9k▼
Profit (loss) for the period9904€170k€8k▼
Profit (loss) for the period to be appropriated9905€170k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€170k€8k▼
Transfer from equity791/2-€200k
Transfer to equity691/2€170k€8k▼
To other reserves6921€170k€8k▼
Profit to be distributed694/7-€200k
Return on contributions (dividend)694-€200k
Social balance
Average headcount (FTE)90870.00.0=
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 55 days late
2024
31-12
Financial
Highest result since 2018net €170k ▲204%
Operating result €207k, net result €170k, both a record.
31-12
Financial
Liquidity times 100current ratio 5.94
Current ratio from 0.06 to 5.94; short-term debt falls from €254k to €63k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 66.68
Current ratio from 31.78 to 66.68; short-term debt falls from €11k to €6k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €2k ▼35.4%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 47 days late
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
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
8 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, Gent · 1 establishment unit since 2010
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.
Gentbruggestraat 1759040 GentGround area
1,705 m²
Building footprint
140 m²
Volume, LiDAR
1,159 m³
Parcel 44432C1215/00Z000, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SANTENS IMMO
since 20102.188.101.848
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44432C1215/00Z000 | Flanders | 1,705 m² | 1 · 140 m² | 11.8 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.
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Of 1,505 companies in sector 66199 we hold annual accounts for 912. 561 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-04-2010
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
64200Holdings
64210Activities of holding companies
66300Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.