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4S&M

Active
Private limited companyfounded 2018active for 8 yearsHeyvaertlaan 4, 8470 Gistel, BelgiumKBO/BCE: BE 0700.370.979
Summary

4S&M has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18,550 and a net result of €39,875. Equity is growing by about 12% per year across the filed financial years. Its solvency ranks better than 13% of 21,080 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
4S&MActiveChecked score 90/100
Risk analysis ReportCompare

Overview

Activity
Computer consultancy and computer facilities management
NACE 62200
1 site
Size
≈ €150,000turnover 2025, estimated
Equity
€18,550
Profit
€39,875
Turnover estimated from the gross margin
Financial health
90 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
2025 accounts 45 days early1 of 3 deeds summarised
Why 90raises riskEquity €18,550 (7.5% of total assets)lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €247,506Liquidity: current ratio 0.84, cash €81,427Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 23% of its sector peers (NACE 62, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 32-43
equity 7.5% of total assets
Liquidity 41-3
short-term debt 91.2% · cash 32.9%
Profitability 89+13
return on assets 16.1%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,890 companies, NACE 62, micro)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026highest value 10-2026: 0.1%▼ -0.1 percentage points vs 09-2026lowest value
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.84, compared with 1.56 in 2024, below 1; short-term debt: 91.2% and cash: 32.9% of total assets), and 92.5% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro): better than 14% on solvency, 17% on liquidity, 52% on profitability and 7% on growth.

The bankruptcy probability was computed on 28-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
lowers risk · Size: total assets €247,506
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Equity €18,550 (7.5% of total assets)
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.84, cash €81,427
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 21080 sector peers (2025).
NBB · sector comparison
Position among 21080 sector peers
Solvency
better than 13%
← weakest strongest →
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 16-06-2026, 45 days ahead of the deadline.
NBB · 8 filings
Deviation from the deadline
2025
45 days early
2024
65 days early
2023
34 days early
2022
12 days early
2021
40 days early
2020
3 days late
2019
32 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 32 days before the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
29-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Caution: Equity fell in 2025from €131,498 to €18,550 ▼ 85.9% View
  • Caution: Among the weakest 13% on solvencysector median 60.0% · 21,080 companies 7.5% View
  • Positive: 8 profitable years in a rowprofit 2025: €39,875 8 years View
  • Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View

By topic

Financials

Financial year
2025
Total assets
€247,506
Profit
€39,875
Solvency
7.5%
Total assets▼ 5.5%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2019
Next accounts
by 31-07-2027
  1. 19-10-2023Reappointments: Joeri Soete (niet statutair bestuurder) and…
  2. 19-07-2023Annual accounts filed
  3. 31-12-2022Highest result from 2018 to 2025
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Computer consultancy and computer facilities managementNACE 62200
Founded
24-07-2018
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
32
Annual meeting
20 June at 20:00
Purpose
“Implementatie van software in kleine en grote organisaties; Het maken van software op…” (deed in Dutch)
Go to Articles of association

Key facts about 4S&M

What is the company number of 4S&M?
0700.370.979. In Belgium the VAT number is the company number with BE in front: BE 0700.370.979.
Where is 4S&M based?
The registered office is at Heyvaertlaan 4, 8470 Gistel.Company details
What does 4S&M do?
According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
What is the legal form of 4S&M?
Private limited company (BV).
When was 4S&M founded?
On 24-07-2018.
Is 4S&M still active?
Yes, 4S&M is an active enterprise in the KBO register.
What is the turnover of 4S&M?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is 4S&M profitable?
In financial year 2025, 4S&M made a profit of €39,875.
Where can I find the annual accounts of 4S&M?
4S&M filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of 4S&M due?
By 31-07-2027, for financial year 2026.Timeline

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