Santhera
ActiveSanthera has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €62k and a net result of €48k. Equity is growing by ~37.7% per year across the filed fiscal years. Its solvency ranks better than 55% of 19907 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency96▼-4
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 10.77 in 2023; short-term debt: 28.4% and cash: 38.1% of total assets), and 28.5% of the assets are financed with debt.
Credit advice 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-09-2025, 46 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
46 d late
2023
26 d late
2022
152 d late
2021
218 d late
2020
137 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€62k▼ 82.0%
2023 · €344k
2020: €82k
2021: €180k
2022: €248k
2023: €344k
2020 → 2024
Total assets
€86k▼ 76.9%
2023 · €375k
2020: €109k
2021: €242k
2022: €311k
2023: €375k
2020 → 2024
Net result
€48k▼ 50.1%
2023 · €96k
2020: €77k
2021: €98k
2022: €67k
2023: €96k
2020 → 2024
Working capital
€25k▼ 91.7%
2023 · €304k
2020: €78k
2021: €164k
2022: €208k
2023: €304k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€82k-€180k▲ 119%€248k▲ 37.4%€344k▲ 38.8%€62k▼ 82.0%
Operating result€96k-€123k▲ 28.1%€84k▼ 32.0%€125k▲ 48.5%€61k▼ 50.6%
Net result€77k-€98k▲ 27.1%€67k▼ 31.3%€96k▲ 42.5%€48k▼ 50.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 51% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €86k
Fixed assets
€37k▼ 9.0%
Current assets
€50k▼ 85.1%
Equity and liabilities €86k
Equity
€62k▼ 82.0%
Debt
€25k▼ 20.5%
The debt ratio rises from 8.3% to 28.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€67k▼
2023 · €129k
Cash flow
€53k▼
2023 · €101k
Solvency
71.5%▼
2023 · 91.7%
Current ratio
2.02▼
2023 · 10.77
Quick ratio
2.02▼
2023 · 10.77
Debt / equity
0.40▲
2023 · 0.09
ROE
77.5%▲
2023 · 27.9%
ROA
55.4%▲
2023 · 25.6%
Interest coverage
73.83▼
2023 · 93.45
Debt
€25k▼
2023 · €31k
Debt ≤ 1 year
€25k▼
2023 · €31k
Income taxes
€13k▼
2023 · €28k
Staff costs
€46k▼
2023 · €47k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€375k€86k▼
Fixed assets21/28€40k€37k▼
Tangible fixed assets22/27€40k€37k▼
Plant, machinery and equipment23€40k€36k▼
Furniture and vehicles24-€362
Current assets29/58€335k€50k▼
Amounts receivable within one year40/41€12k€17k▲
Trade receivables40€6k€3k▼
Other amounts receivable41€6k€14k▲
Cash at bank and in hand54/58€323k€33k▼
Equity and liabilities
Total equity and liabilities10/49€375k€86k▼
Equity10/15€344k€62k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€339k€57k▼
Amounts payable17/49€31k€25k▼
Amounts payable within one year42/48€31k€25k▼
Trade debts44€11k€6k▼
Suppliers440/4€11k€6k▼
Taxes, remuneration and social security45€20k€18k▼
Taxes450/3€14k€8k▼
Remuneration and social security454/9€6k€10k▲
Accrued charges and deferred income492/3-€85
Income statement
Code20232024
Remuneration, social security and pensions62€47k€46k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€2k€632▼
Gross operating margin9900€179k€113k▼
Operating profit (loss)9901€125k€61k▼
Financial income75/76B€1k€278▼
Recurring financial income75€1k€278▼
Financial charges65/66B€1k€904▼
Recurring financial charges65€1k€904▼
Profit (loss) for the period before taxes9903€124k€61k▼
Income taxes67/77€28k€13k▼
Profit (loss) for the period9904€96k€48k▼
Profit (loss) for the period to be appropriated9905€96k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€339k€387k▲
Profit (loss) brought forward from the previous period14P€243k€339k▲
Profit to be distributed694/7-€330k
Return on contributions (dividend)694-€330k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 46 days late
2024
31-12
Financial
Weakest financial yearnet €48k ▼50.1%
Net result drops to €48k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 10.77
Current ratio from 4.29 to 10.77; short-term debt falls from €63k to €31k.
30-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 152 days late
06-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 218 days late
2022
31-12
Financial
Equity above €200kEq €248k ▲37.4%
3 profitable years in a row build equity to €248k.
2021
31-12
Financial
Highest result since 2020net €98k ▲27.1%
Net result €98k, the highest in the series.
31-12
Financial
Equity above €150kEq €180k ▲119%
2 profitable years in a row build equity to €180k.
15-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 137 days late
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, Diepenbeek · 1 establishment unit since 2020
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.
Dautenstraat 1103590 DiepenbeekGround area
1,455 m²
Building footprint
309 m²
Volume, LiDAR
1,289 m³
Parcel 71011I2327/00A000, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Dautenstraat 110, 3590 Diepenbeek
since 20202.302.799.695
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71011I2327/00A000 | Flanders | 1,455 m² | 1 · 308 m² | 9.1 m · 1 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
2025 · 1 entry · 1,199 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,199 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,973. 5,465 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2020
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
86905Human health activities
86951Physiotherapy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.