SANTO COLINA
ActiveSANTO COLINA has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.65M and a net result of €32k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 10.92 against 5.91 in 2024; short-term debt: 6.8% and cash: 18.8% of total assets), and 8.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
91.2%
Return on assets
1.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-05-2026, 84 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
84 d early
2024
21 d early
2023
26 d early
2022
43 d late
2021
31 d late
2020
88 d late
2019
122 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€32k▼ 58.9%
2024 · €77k
2018: €99k
2019: €128k
2020: €74k
2021: €204k
2022: €164k
2023: €268k
2024: €77k
2018 → 2025
Working capital
€1.96M▲ 0.9%
2024 · €1.94M
2018: €2.25M
2019: €2.10M
2020: €1.70M
2021: €1.79M
2022: €1.74M
2023: €1.86M
2024: €1.94M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.45M-€2.53M▲ 3.2%€2.66M▲ 5.1%€2.70M▲ 1.4%€2.65M▼ 1.8%
Operating result€284k-€244k▼ 14.0%€386k▲ 58.3%€93k▼ 75.9%€30k▼ 67.8%
Net result€204k-€164k▼ 19.5%€268k▲ 63.5%€77k▼ 71.2%€32k▼ 58.9%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 68% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.91M
Fixed assets
€754k▼ 10.0%
Current assets
€2.15M▼ 7.7%
Equity and liabilities €2.91M
Equity
€2.65M▼ 1.8%
Debt
€256k▼ 45.8%
The debt ratio falls from 14.9% to 8.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€114k▼
2024 · €160k
Cash flow
€115k▼
2024 · €144k
Solvency
91.2%▲
2024 · 85.1%
Current ratio
10.92▲
2024 · 5.91
Quick ratio
5.99▲
2024 · 4.39
Debt / equity
0.10▼
2024 · 0.18
ROE
1.2%▼
2024 · 2.9%
ROA
1.1%▼
2024 · 2.4%
Interest coverage
13.53▼
2024 · 18.40
Debt
€256k▼
2024 · €474k
Debt ≤ 1 year
€197k▼
2024 · €395k
Debt > 1 year
€57k▼
2024 · €76k
Income taxes
€12k▼
2024 · €32k
Staff costs
€205k▲
2024 · €124k
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€3.17M€2.91M▼
Fixed assets21/28€838k€754k▼
Tangible fixed assets22/27€838k€754k▼
Land and buildings22€669k€643k▼
Plant, machinery and equipment23€17k€3k▼
Furniture and vehicles24€151k€108k▼
Other tangible fixed assets26€0€0=
Current assets29/58€2.33M€2.15M▼
Stocks and contracts in progress3€599k€972k▲
Stocks30/36€599k€972k▲
Amounts receivable within one year40/41€468k€103k▼
Trade receivables40€442k€103k▼
Other amounts receivable41€26k€328▼
Current investments50/53€615k€516k▼
Cash at bank and in hand54/58€651k€548k▼
Deferred charges and accrued income490/1€2k€15k▲
Equity and liabilities
Total equity and liabilities10/49€3.17M€2.91M▼
Equity10/15€2.70M€2.65M▼
Contributions10/11€6k€6k=
Reserves13€2.69M€2.65M▼
Non-distributable reserves130/1€50k€50k=
Other1319€50k€50k=
Distributable reserves133€2.64M€2.60M▼
Amounts payable17/49€474k€256k▼
Amounts payable after more than one year17€76k€57k▼
Financial debts170/4€75k€55k▼
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€395k€197k▼
Current portion of amounts payable after more than one year42€24k€20k▼
Trade debts44€236k€57k▼
Suppliers440/4€236k€57k▼
Taxes, remuneration and social security45€42k€11k▼
Taxes450/3€42k€7k▼
Remuneration and social security454/9-€5k
Other amounts payable47/48€93k€109k▲
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Non-recurring operating income76A€5k€36k▲
Remuneration, social security and pensions62€124k€205k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€84k▲
Other operating charges640/8€31k€7k▼
Non-recurring operating charges66A€24k€60▼
Gross operating margin9900€339k€326k▼
Operating profit (loss)9901€93k€30k▼
Financial income75/76B€25k€22k▼
Recurring financial income75€25k€22k▼
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€109k€44k▼
Income taxes67/77€32k€12k▼
Profit (loss) for the period9904€77k€32k▼
Profit (loss) for the period to be appropriated9905€77k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€77k€32k▼
Transfer from equity791/2-€79k
Transfer to equity691/2€37k€32k▼
To other reserves6921€37k€32k▼
Profit to be distributed694/7€40k€79k▲
Return on contributions (dividend)694€40k€79k▲
Social balance
Average headcount (FTE)90877.4-
The notes to these accounts (8 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
08-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €32k ▼58.9%
Net result drops to €32k, the lowest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €268k ▲63.5%
Operating result €386k, net result €268k, both a record.
12-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 43 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 88 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 122 days late
2019
09-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 40 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 23 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Fontaine-l'Evêque · 1 establishment unit since 1977
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.
Rue de Forchies(F-E) 126140 Fontaine-l'EvêqueGround area
2,563 m²
Building footprint
133 m²
Volume, LiDAR
680 m³
2 parcels, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Louis Vilez(F-E) 44, 6140 Fontaine-l'Evêque
since 19772.014.086.224
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52022C0519/00P006 | Wallonia | 1,923 m² | 1 · 75 m² | 9.7 m · 2 fl. |
| 52022A0444/00R003indicative | Wallonia | 640 m² | 1 · 58 m² | 2.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
4 categoriesSANTO COLINA SRL17495
Legal Entity Identifier
894500P7CZ7GYL3QEQ16
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GOUWY FUNDERINGSTECHNIEKEN
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 3,265 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-1977
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
41003General construction of other non-residential buildings
43120Site preparation
45112
45212
45213
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.