SINT-AMANDUS
ActiveSINT-AMANDUS has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €191k and a net result of €32k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 34% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-9
Solvency49▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 1.84 in 2024; short-term debt: 44.3% and cash: 30.9% of total assets), and 76.3% 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 · 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 28-02-2025 was due by 30-09-2025 and was filed on 26-09-2025, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
23 d late
2023
47 d early
2022
45 d early
2021
45 d early
2020
7 d late
2019
42 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€191k▲ 19.9%
2024 · €160k
2019: €141k
2020: €110k
2021: €212k
2022: €127k
2023: €94k
2024: €160k
2019 → 2025
Total assets
€808k▲ 11.9%
2024 · €722k
2019: €471k
2020: €1.07M
2021: €1.01M
2022: €885k
2023: €1.06M
2024: €722k
2019 → 2025
Net result
€32k▼ 51.6%
2024 · €66k
2019: €69k
2020: €-31k
2021: €102k
2022: €-28k
2023: €-33k
2024: €66k
2019 → 2025
Working capital
€132k▼ 31.6%
2024 · €193k
2019: €110k
2020: €60k
2021: €196k
2022: €152k
2023: €138k
2024: €193k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€212k-€127k▼ 39.8%€94k▼ 26.3%€160k▲ 69.9%€191k▲ 19.9%
Operating result€130k-€-3k€-10k▼ 222%€86k€58k▼ 32.6%
Net result€102k-€-28k€-33k▼ 21.4%€66k€32k▼ 51.6%
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 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €808k
Fixed assets
€319k▲ 6.5%
Current assets
€489k▲ 15.8%
Equity and liabilities €808k
Equity
€191k▲ 19.9%
Debt
€617k▲ 9.6%
The debt ratio falls from 77.9% to 76.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€125k▼
2024 · €186k
Cash flow
€99k▼
2024 · €166k
Solvency
23.7%▲
2024 · 22.1%
Current ratio
1.37▼
2024 · 1.84
Quick ratio
0.82▼
2024 · 1.02
Debt / equity
3.22▼
2024 · 3.52
ROE
16.6%▼
2024 · 41.1%
ROA
3.9%▼
2024 · 9.1%
Interest coverage
5.63▼
2024 · 7.63
Debt
€617k▲
2024 · €562k
Debt ≤ 1 year
€358k▲
2024 · €230k
Debt > 1 year
€259k▼
2024 · €332k
Income taxes
€12k▲
2024 · €3k
Staff costs
€370k▲
2024 · €302k
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€722k€808k▲
Fixed assets21/28€299k€319k▲
Tangible fixed assets22/27€299k€319k▲
Land and buildings22€282k€228k▼
Plant, machinery and equipment23€16k€72k▲
Furniture and vehicles24€813€19k▲
Current assets29/58€423k€489k▲
Amounts receivable after more than one year29€3k€0▼
Trade receivables290€3k€0▼
Stocks and contracts in progress3€187k€194k▲
Stocks30/36€187k€194k▲
Amounts receivable within one year40/41€44k€34k▼
Trade receivables40€0-
Other amounts receivable41€44k€34k▼
Cash at bank and in hand54/58€178k€250k▲
Deferred charges and accrued income490/1€11k€11k▲
Equity and liabilities
Total equity and liabilities10/49€722k€808k▲
Equity10/15€160k€191k▲
Contributions10/11€37k€37k=
Reserves13€57k€154k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€53k€151k▲
Profit (loss) carried forward14€66k€0▼
Amounts payable17/49€562k€617k▲
Amounts payable after more than one year17€332k€259k▼
Financial debts170/4€332k€259k▼
Amounts payable within one year42/48€230k€358k▲
Current portion of amounts payable after more than one year42€72k€73k▲
Financial debts43€139k€139k▲
Credit institutions430/8€14k€14k▲
Other loans439€125k€125k=
Trade debts44€9k€138k▲
Suppliers440/4€9k€138k▲
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Other amounts payable47/48€5k€4k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€302k€370k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€100k€67k▼
Other operating charges640/8€11k€11k▲
Gross operating margin9900€499k€507k▲
Operating profit (loss)9901€86k€58k▼
Financial income75/76B€7k€8k▲
Recurring financial income75€7k€8k▲
Financial charges65/66B€24k€22k▼
Recurring financial charges65€24k€22k▼
Profit (loss) for the period before taxes9903€69k€44k▼
Income taxes67/77€3k€12k▲
Profit (loss) for the period9904€66k€32k▼
Profit (loss) for the period to be appropriated9905€66k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€97k▲
Profit (loss) brought forward from the previous period14P-€66k
Transfer from equity791/2€0-
Transfer to equity691/2-€97k
To contributions691-€97k
Social balance
Average headcount (FTE)90879.310.1▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
23-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 23 days late
29-02
Financial
Back to profitnet €66k
Net result €66k after 2 loss-making years.
29-02
Financial
Equity above €150kEq €160k ▲69.9%
Equity rises from €94k to €160k.
2023
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
28-02
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
28-02
Financial
Back to profitnet €102k
Net result €102k after one loss-making year.
28-02
Financial
Equity above €200kEq €212k ▲92.4%
Equity rises from €110k to €212k.
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 7 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
26-09
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
2 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 1992
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.
Antwerpsesteenweg 4329040 GentGround area
1,844 m²
Building footprint
567 m²
Volume, LiDAR
6,488 m³
Parcel 44432C0763/00N000, Flanders · tallest building 18.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CARREFOUR
since 19922.130.926.484
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44432C0763/00N000 | Flanders | 1,844 m² | 1 · 567 m² | 18.1 m · 4 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
2022 to 2025 · 4 entries · 16,160 EUR awarded · 16,160 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1 EUR | 1 EUR |
| 2024 | 1 | 5,449 EUR | 5,449 EUR |
| 2023 | 1 | 5,247 EUR | 5,247 EUR |
| 2022 | 1 | 5,463 EUR | 5,463 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.130.926.484
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E&M PROXY
BE 0772.950.339
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LOUIS BESSELING DISTRIBUTION
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Vaux-sur-Sûre · Eq €192k
MOUMTI
BE 0460.458.901
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Of 10,527 companies in sector 47110 we hold annual accounts for 5,861. 4,267 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-1988
Fiscal year end28-02
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
52114
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.