Sanicomfort Team
ActiveSummary
Sanicomfort Team has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.33M and a net result of €-10k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 21% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▲+6
Solvency44▲+6
Growth35=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity ample (current ratio 2.03 against 1.98 in 2024; short-term debt: 44.9% and cash: 0.1% of total assets), but 80.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
19.1%
Return on assets
-0.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 4867 sector peers (2025).
NBB · sector comparisonPosition among 4867 sector peers
Solvency
better than 21%
← weakest
strongest →
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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
22 d late
2023
29 d late
2022
38 d early
2021
34 d early
2020
12 d early
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€13.78M▼ 16.3%
2024 · €16.46M
2018: €30.51M
2019: €25.51M
2020: €25.30M
2021: €26.28M
2022: €22.32M
2023: €20.58M
2024: €16.46M
2018 → 2025
EBIT margin
0.7%▲ 1.1pp
2024 · -0.4%
2018: 0.1%
2019: 1.4%
2020: 1.2%
2021: 1.2%
2022: 1.2%
2023: 1.4%
2024: -0.4%
2018 → 2025
Net result
€-10k▲ 96.0%
2024 · €-259k
2018: €-6k
2019: €75k
2020: €165k
2021: €105k
2022: €11k
2023: €-3k
2024: €-259k
2018 → 2025
Working capital
€8.02M▼ 4.3%
2024 · €8.38M
2018: €2.33M
2019: €4.43M
2020: €4.30M
2021: €5.63M
2022: €5.28M
2023: €4.72M
2024: €8.38M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€26.28M-€22.32M▼ 15.0%€20.58M▼ 7.8%€16.46M▼ 20.0%€13.78M▼ 16.3%
Equity€1.84M-€1.85M▲ 0.6%€1.85M▼ 0.1%€2.34M▲ 26.6%€3.33M▲ 42.3%
Operating result€310k-€267k▼ 14.0%€284k▲ 6.4%€-60k€102k
Net result€105k-€11k▼ 89.1%€-3k€-259k▼ 9,970%€-10k▲ 96.0%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €102k after a loss of €60k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16.78M
Fixed assets
€942k ▲ 40.2%
Current assets
€15.84M ▼ 6.4%
Equity and liabilities €17.43M
Equity
€3.33M ▲ 42.3%
Debt
€14.10M ▼ 7.6%
Debt's share of the balance-sheet total falls from 86.7% to 80.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€269k▲
2024 · €105k
Cash flow
€156k▲
2024 · €-94k
Current ratio
2.03▲
2024 · 1.98
Quick ratio
1.33▼
2024 · 1.37
Debt to equity
4.24▼
2024 · 6.53
ROE
-0.3%▲
2024 · -11.1%
ROA
-0.1%▲
2024 · -1.5%
Interest coverage
0.82▲
2024 · 0.29
Debt ≤ 1 year
€7.82M▼
2024 · €8.54M
Debt > 1 year
€6.26M▼
2024 · €6.71M
Staff costs
€1.96M▼
2024 · €2.01M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 79 lines
Balance sheet
Code20242025
Assets
Total assets20/58€17.59M€17.43M▼
Formation expenses20-€642k
Fixed assets21/28€672k€942k▲
Intangible fixed assets21€119k€101k▼
Tangible fixed assets22/27€533k€820k▲
Plant, machinery and equipment23€5k€7k▲
Furniture and vehicles24€9k€207k▲
Other tangible fixed assets26€518k€606k▲
Financial fixed assets28€20k€20k=
Other financial fixed assets284/8€20k€20k=
Amounts receivable and cash guarantees285/8€20k€20k=
Current assets29/58€16.92M€15.84M▼
Stocks and contracts in progress3€5.20M€5.41M▲
Stocks30/36€5.20M€5.41M▲
Raw materials and consumables30/31€5k-
Goods purchased for resale34€5.19M€5.41M▲
Amounts receivable within one year40/41€11.46M€9.99M▼
Trade receivables40€3.42M€2.32M▼
Other amounts receivable41€8.05M€7.67M▼
Cash at bank and in hand54/58€6k€14k▲
Deferred charges and accrued income490/1€252k€430k▲
Equity and liabilities
Total equity and liabilities10/49€17.59M€17.43M▼
Equity10/15€2.34M€3.33M▲
Contributions10/11€2.25M€3.25M▲
Capital10€2.25M€3.25M▲
Issued capital100€2.25M€3.25M▲
Reserves13€87k€77k▼
Non-distributable reserves130/1€17k€17k=
Legal reserve130€17k€17k=
Distributable reserves133€70k€59k▼
Amounts payable17/49€15.25M€14.10M▼
Amounts payable after more than one year17€6.71M€6.26M▼
Financial debts170/4€6.71M€6.26M▼
Subordinated loans170€4.94M€4.94M=
Credit institutions173€1.77M€1.33M▼
Amounts payable within one year42/48€8.54M€7.82M▼
Current portion of amounts payable after more than one year42€452k€507k▲
Financial debts43€2.32M€3.13M▲
Credit institutions430/8€2.32M€3.13M▲
Trade debts44€4.13M€3.73M▼
Suppliers440/4€4.13M€3.73M▼
Advances received on contracts in progress46€750€200▼
Taxes, remuneration and social security45€280k€259k▼
Taxes450/3€93k-
Remuneration and social security454/9€187k€259k▲
Other amounts payable47/48€1.35M€195k▼
Accrued charges and deferred income492/3€8k€17k▲
Income statement
Code20242025
Operating income70/76A€17.22M€15.19M▼
Turnover70€16.46M€13.78M▼
Own construction capitalised72-€1.07M
Other operating income74€757k€344k▼
Operating charges60/66A€17.28M€15.09M▼
Goods for resale, raw materials and consumables60€13.10M€11.04M▼
Purchases600/8€12.59M€11.19M▼
Change in stocks: decrease (increase)609€506k€-153k▼
Services and other goods61€1.97M€1.93M▼
Remuneration, social security and pensions62€2.01M€1.96M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€166k€167k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-2k€-289k▼
Other operating charges640/8€37k€290k▲
Non-recurring operating charges66A€546-
Operating profit (loss)9901€-60k€102k▲
Financial income75/76B€266k€279k▲
Recurring financial income75€266k€279k▲
Income from current assets751€203k€218k▲
Other financial income752/9€63k€61k▼
Financial charges65/66B€465k€392k▼
Recurring financial charges65€465k€392k▼
Debt charges650€358k€328k▼
Other financial charges652/9€107k€64k▼
Profit (loss) for the period before taxes9903€-259k€-10k▲
Income taxes67/77€0-
Taxes670/3€0-
Profit (loss) for the period9904€-259k€-10k▲
Profit (loss) for the period to be appropriated9905€-259k€-10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-259k€-10k▲
Transfer from equity791/2€259k€10k▼
From reserves792€259k€10k▼
Social balance
Average headcount (FTE)908726.431.3▲
The notes to these accounts (43 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 · full schema · 31 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
31-12
Financial
Weakest financial yearnet €-259k
Net result drops to €-259k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €2MEq €2.34M ▲26.6%
Equity rises from €1.85M to €2.34M.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €165k ▲121%
Net result €165k, the highest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €75k
Net result €75k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Anzegem · 5 establishment units since 2017
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.
Kerkstraat 1318570 AnzegemGround area
2.0 ha
Building footprint
8,475 m²
Volume, LiDAR
44,822 m³
5 parcels, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
5 establishment units
Sanicomfort Team
since 20172.266.144.583
Sanicomfort Team
since 20172.266.152.503
Sanicomfort Team
since 20192.283.097.017
Sanicomfort Team
since 20192.283.097.116
Sanicomfort Team
since 20192.284.299.718
5 parcels
Flanders
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34018A0170/02Z000 | Flanders | 8,620 m² | 1 · 4,882 m² | 8.6 m · 2 fl. |
| 36503C0572/00B000 | Flanders | 4,310 m² | 1 · 1,066 m² | 8.2 m · 2 fl. |
| 34027F0013/00F003 | Flanders | 3,262 m² | 1 · 1,379 m² | 5.7 m · 2 fl. |
| 44048A0132/00S002 | Flanders | 2,830 m² | 1 · 1,149 m² | 6.7 m · 2 fl. |
| 34002F0926/00N002 | Flanders | 606 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 parcels 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 · 6 entries · 8,168 EUR awarded · 8,124 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 311 EUR | 311 EUR |
| 2024 | 1 | 1,005 EUR | 1,168 EUR |
| 2023 | 2 | 1,426 EUR | 1,219 EUR |
| 2022 | 2 | 5,426 EUR | 5,426 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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DEWEER SANITAIR
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Of 1,803 companies in sector 46831 we hold annual accounts for 1,397. 801 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded24-05-2017
Fiscal year end31-12
Activities, NACEBEL 2025
46831Wholesale of construction materials, general range
46842Wholesale trade
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.