Saninez
ActiveSummary
Saninez has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €-5k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-4
Solvency75▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.64 against 0.74 in 2024; short-term debt: 50.1% and cash: 16.1% of total assets), and 50.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
49.9%
Return on assets
-22.5%
Age of the figures
12 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-5k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-03-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
43 d early
2023
6 d early
2022
48 d early
2021
30 d early
2020
31 d early
2019
36 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▼ 31.1%
2024 · €18k
2018: €-33
2019: €13k
2020: €15k
2021: €15k
2022: €16k
2023: €22k
2024: €18k
2018 → 2025
Total assets
€24k▼ 26.2%
2024 · €33k
2018: €8k
2019: €26k
2020: €25k
2021: €18k
2022: €17k
2023: €30k
2024: €33k
2018 → 2025
Net result
€-5k▼ 37.1%
2024 · €-4k
2018: €11k
2019: €13k
2020: €2k
2021: €381
2022: €354
2023: €6k
2024: €-4k
2018 → 2025
Working capital
€-4k▼ 12.8%
2024 · €-4k
2018: €-83
2019: €12k
2020: €14k
2021: €11k
2022: €14k
2023: €22k
2024: €-4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€16k▲ 2.3%€22k▲ 37.8%€18k▼ 18.5%€12k▼ 31.1%
Operating result€208-€732▲ 251%€8k▲ 942%€-4k€-5k▼ 34.4%
Net result€381-€354▼ 6.9%€6k▲ 1,568%€-4k€-5k▼ 37.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €24k
Fixed assets
€17k ▼ 23.1%
Current assets
€8k ▼ 32.0%
Equity and liabilities €24k
Equity
€12k ▼ 31.1%
Debt
€12k ▼ 20.6%
Debt's share of the balance-sheet total rises from 46.5% to 50.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-392▲
2024 · €-650
Cash flow
€-499▲
2024 · €-648
Current ratio
0.64▼
2024 · 0.74
Debt to equity
1.00▲
2024 · 0.87
ROE
-45.1%▼
2024 · -22.7%
ROA
-22.5%▼
2024 · -12.1%
Interest coverage
-3.55▲
2024 · -8.00
Debt ≤ 1 year
€12k▼
2024 · €15k
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 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€33k€24k▼
Fixed assets21/28€21k€17k▼
Tangible fixed assets22/27€21k€17k▼
Furniture and vehicles24€21k€17k▼
Current assets29/58€11k€8k▼
Amounts receivable within one year40/41€10k€4k▼
Trade receivables40€3k€2k▼
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€33k€24k▼
Equity10/15€18k€12k▼
Contributions10/11€10k€10k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€6k€47▼
Amounts payable17/49€15k€12k▼
Amounts payable within one year42/48€15k€12k▼
Trade debts44€409€400▼
Suppliers440/4€409€400▼
Other amounts payable47/48€15k€12k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€1k€4k▲
Gross operating margin9900€465€4k▲
Operating profit (loss)9901€-4k€-5k▼
Financial income75/76B€82€4▼
Recurring financial income75€82€4▼
Financial charges65/66B€81€110▲
Recurring financial charges65€81€110▲
Profit (loss) for the period before taxes9903€-4k€-5k▼
Profit (loss) for the period9904€-4k€-5k▼
Profit (loss) for the period to be appropriated9905€-4k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€47▼
Profit (loss) brought forward from the previous period14P€9k€6k▼
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
Next filing, fiscal year 2026, expected by
2026
18-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series.
18-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity doublescurrent ratio 12.83
Current ratio from 5.16 to 12.83; short-term debt falls from €3k to €1k.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity doublescurrent ratio 5.16
Current ratio from 2.46 to 5.16; short-term debt falls from €10k to €3k.
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Highest result since 2018net €13k ▲15%
Operating result €14k, net result €13k, both a record.
07-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-03
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, Edegem · 1 establishment unit since 2011
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.
Drie Eikenstraat 1942650 EdegemGround area
448 m²
Building footprint
150 m²
Volume, LiDAR
1,001 m³
Parcel 11472C0200/00R003, Flanders · tallest building 14.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SANINEZ
since 20112.205.088.825
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472C0200/00R003 | Flanders | 448 m² | 1 · 150 m² | 14.5 m · 2 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.
Similar companies · same sector, comparable size
TK Service
BE 0700.233.201
Wuustwezel · Eq €12,110
SANI HERO
BE 0701.965.343
Braine-le-Château · Eq €12,112
DE SMEDT SEBASTIEN
BE 0787.293.966
Nandrin · Eq €12,124
IB CHAUFFAGE
BE 0778.630.876
Namur · Eq €12,130
FENX HEATING
BE 1004.239.713
Brussel · Eq €12,079
Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 2,799 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 formPrivate limited company (pre-2019)
Founded02-12-2011
Fiscal year end30-09
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
43230Insulation installation
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.