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SANTERMANS TOTAALAFWERKING

Active
Private limited company (pre-2019)founded 1994active for 32 yearsGenebroekstraat 92, 3581 Beringen, BelgiumKBO/BCE: BE 0452.222.017

The file of SANTERMANS TOTAALAFWERKING contains 2 historical bankruptcy publications, as published in the Belgian Official Gazette.

Summary

The computed 12-month bankruptcy probability is 1.1% (low). The 2025 annual accounts show negative equity (-€88,314) and a net result of -€2,675. Equity has been growing by about 7.5% per year since 2018. Its solvency ranks better than 5% of 17,149 sector peers (NACE 68, financial year 2025).

Overview

Official details

Source: KBO
Status
Active since 15-03-1994 Normal situation
Activity
Renting and operating of own or leased non-residential real estate, excluding land NACE 68203
Establishment unit
2.066.120.883 3581 Beringen, since 28-03-1994
Financial year end
31 December
Peppol
Reachable since 27-01-2026

Board and ownership

Board
  • Santermans FrankDirector

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.1%
Annual accounts 2025
Gross margin
€660
▼ 96.9%
Turnover
≈ €2,300
estimated
Loss
€2,675
Equity
-€88,314
▼ 3.1%
Total assets
€76,222
▲ 8.1%
  • Negative equity on 31-12-2025
  • 2025 accounts filed 26 days after the deadline
Score breakdownraises riskCapped at 59: negative equityNegative equity -€88,314Liquidity: current ratio 0.20, cash €118Last filed accounts filed 26 days late; 1 of the last 3 accounts latelowers riskSize: total assets €76,222Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 17% of micro companies in real estate (NACE 68)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 0=
equity -115.9% of total assets
Liquidity 0=
short-term debt 215.9% · cash 0.2%
Profitability 29-49
return on assets -3.5%
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,628 companies, NACE 68, micro)
No credit on open account
Liquidity is insufficient, with a current ratio of 0.2 (0.18 in 2024), below 1. Short-term debt is 215.9% and cash 0.2% of total assets. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 5% of them on solvency, 2% on liquidity, 25% on profitability and 37% on growth.

The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Seven signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €76,222
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Negative equity -€88,314
NBB · annual accounts
raises risk · Liquidity: current ratio 0.20, cash €118
NBB · annual accounts
raises risk · Last filed accounts filed 26 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€88,314
neutral · Prior bankruptcy
Earlier bankruptcy on record in the Belgian Official Gazette, no current open procedure.
Belgian Official Gazette
raises risk · 2025 accounts filed 26 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
26 days late
2024
28 days late
2023
393 days late
2022
31 days late
2021
78 days late
2020
33 days early
2019
238 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 109 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 accounts filed within 47 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€88,314 View
  • Caution: Lower solvency than 95% of companies in real estatesector median 29.0% · 17,149 companies -115.9% View

Recent changes

  1. · Bankruptcy Bankruptcy reversal
  2. · Bankruptcy Bankruptcy declaredCommercial Court of Antwerp, Hasselt division · judgment of 07-04-2016
  3. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as SANTERMANS TOTAALAFWERKING: renting and operating of own or leased non-residential real estate, excluding land (NACE 68203). They are comparable in size and age: total assets between €65,200 and €82,000, founded between 1989 and 1996.

CompanyTotal assetsGross margin
SANTERMANS TOTAALAFWERKING Beringen€76,222€660
INTER - JOKE Herk-de-Stad€68,417-€18,384
Centre KIN&Co Andenne€74,985-€966
RHP INVEST Honnelles€72,309-€7,599
VENRODE Kapellen€67,318-€1,656
ELBEX BENELUX Antwerpen€81,963-€1,500
ERNILS Mortsel€65,204-€8,197
Full comparison

Key facts about SANTERMANS TOTAALAFWERKING

What is the company number of SANTERMANS TOTAALAFWERKING?
The company number of SANTERMANS TOTAALAFWERKING is 0452.222.017. The VAT number is the same number with BE in front: BE 0452.222.017.
Where is SANTERMANS TOTAALAFWERKING based?
The registered office is at Genebroekstraat 92, 3581 Beringen.Company details
What does SANTERMANS TOTAALAFWERKING do?
According to the KBO register, the main activity is renting and operating of own or leased non-residential real estate, excluding land (NACE 68203).
What is the legal form of SANTERMANS TOTAALAFWERKING?
The legal form of SANTERMANS TOTAALAFWERKING is Private limited company (pre-2019) (BVBA).
When was SANTERMANS TOTAALAFWERKING founded?
SANTERMANS TOTAALAFWERKING was founded on 15-03-1994.
Is SANTERMANS TOTAALAFWERKING still active?
Yes, SANTERMANS TOTAALAFWERKING is an active enterprise in the KBO register.
What is the turnover of SANTERMANS TOTAALAFWERKING?
The turnover in financial year 2025 is ≈ €2,300. This figure is estimated from the gross margin of €660 and 31 comparable companies (NACE 68203). It probably lies between €890 and €5,200. It is a rough estimate.Financials
Is SANTERMANS TOTAALAFWERKING profitable?
In financial year 2025, SANTERMANS TOTAALAFWERKING made a loss of €2,675.
Where can I find the annual accounts of SANTERMANS TOTAALAFWERKING?
SANTERMANS TOTAALAFWERKING filed 32 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SANTERMANS TOTAALAFWERKING due?
SANTERMANS TOTAALAFWERKING must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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