5 S GROUP
ActiveSummary
The computed 12-month bankruptcy probability of 5 S GROUP is 1.8% (moderate). The 2025 annual accounts show equity of €37,353 and a net result of €20,051. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 71% of 7598 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+3
Solvency89▲+32
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 2.61 against 1.44 in 2024; short-term debt: 36.3% and cash: 0.2% of total assets), and 36.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
63.7%
Return on assets
34.2%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
15 d early
2024
13 d early
2023
9 d early
2022
25 d early
2021
34 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 19 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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. Usually files around 16 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€37,353▲ 116%
2024 · €17,302
Total assets
€58,655▲ 8.9%
2024 · €53,875
Net result
€20,051▲ 65.6%
2024 · €12,105
Working capital
€34,244▲ 114%
2024 · €15,983
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€16,243-€31,944▲ 96.7%-€5,858€13,995€26,517▲ 89.5%
Net result€13,409within the sector's middle half-€24,725within the sector's middle half▲ 84.4%-€4,936below the sector's middle half€12,105within the sector's middle half€20,051within the sector's middle half▲ 65.6%
Equity€15,409within the sector's middle half-€40,133within the sector's middle half▲ 160%€35,197within the sector's middle half▼ 12.3%€17,302within the sector's middle half▼ 50.8%€37,353within the sector's middle half▲ 116%
Total assets€19,571below the sector's middle half-€51,754below the sector's middle half▲ 164%€41,329below the sector's middle half▼ 20.1%€53,875below the sector's middle half▲ 30.4%€58,655within the sector's middle half▲ 8.9%
Debt€4,163-€11,621▲ 179%€6,132▼ 47.2%€36,573▲ 496%€21,301▼ 41.8%
Working capital€15,409within the sector's middle half-€40,133within the sector's middle half▲ 160%€33,165within the sector's middle half▼ 17.4%€15,983within the sector's middle half▼ 51.8%€34,244within the sector's middle half▲ 114%
Solvency78.7%above the sector's middle half-77.5%above the sector's middle half▼ 1.2pp85.2%above the sector's middle half▲ 7.6pp32.1%within the sector's middle half▼ 53.0pp63.7%within the sector's middle half▲ 31.6pp
Current ratio4.70above the sector's middle half-4.45above the sector's middle half▼ 0.256.41above the sector's middle half▲ 1.961.44within the sector's middle half▼ 4.972.61within the sector's middle half▲ 1.17
Return on assets (ROA)68.5%above the sector's middle half-47.8%above the sector's middle half▼ 20.7pp-11.9%below the sector's middle half▼ 59.7pp22.5%above the sector's middle half▲ 34.4pp34.2%above the sector's middle half▲ 11.7pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 89% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58,655
Fixed assets
€3,109 ▲ 136%
Current assets
€55,546 ▲ 5.7%
Equity and liabilities €58,655
Equity
€37,353 ▲ 116%
Debt
€21,301 ▼ 41.8%
Debt's share of the balance-sheet total falls from 67.9% to 36.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29,228▲
2024 · €14,708
Cash flow
€22,761▲
2024 · €12,818
Debt to equity
0.57▼
2024 · 2.11
ROE
53.7%▼
2024 · 70.0%
Interest coverage
23.96▼
2024 · 29.61
Debt ≤ 1 year
€21,301▼
2024 · €36,573
Income taxes
€8,072▲
2024 · €3,379
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €107 | €713 | €2,710 | ▲ 280% |
| Other operating charges640/8 | €706 | - | €732 | €387 | €559 | ▲ 44.3% |
| Gross operating margin9900 | €16,949 | €31,944 | -€5,019 | €15,095 | €29,787 | ▲ 97.3% |
| Operating profit (loss)9901 | €16,243 | €31,944 | -€5,858 | €13,995 | €26,517 | ▲ 89.5% |
| Financial income75/76B | €570 | €1,157 | €1,037 | €1,986 | €2,826 | ▲ 42.3% |
| Recurring financial income75 | €570 | €1,157 | €1,037 | €1,986 | €2,826 | ▲ 42.3% |
| Financial charges65/66B | €53 | €135 | €115 | €497 | €1,220 | ▲ 146% |
| Recurring financial charges65 | €53 | €135 | €115 | €497 | €1,220 | ▲ 146% |
| Profit (loss) for the period before taxes9903 | €16,761 | €32,966 | -€4,936 | €15,484 | €28,123 | ▲ 81.6% |
| Income taxes67/77 | €3,352 | €8,242 | - | €3,379 | €8,072 | ▲ 139% |
| Profit (loss) for the period9904 | €13,409 | €24,725 | -€4,936 | €12,105 | €20,051 | ▲ 65.6% |
| Profit (loss) for the period to be appropriated9905 | €13,409 | €24,725 | -€4,936 | €12,105 | €20,051 | ▲ 65.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €19,571 | €51,754 | €41,329 | €53,875 | €58,655 | ▲ 8.9% |
| Fixed assets21/28 | - | - | €2,032 | €1,319 | €3,109 | ▲ 136% |
| Tangible fixed assets22/27 | - | - | €2,032 | €1,319 | €3,109 | ▲ 136% |
| Plant, machinery and equipment23 | - | - | - | - | €3,109 | - |
| Furniture and vehicles24 | - | - | €2,032 | €1,319 | - | - |
| Current assets29/58 | €19,571 | €51,754 | €39,296 | €52,556 | €55,546 | ▲ 5.7% |
| Amounts receivable within one year40/41 | €19,522 | €28,834 | €16,098 | €52,478 | €55,378 | ▲ 5.5% |
| Trade receivables40 | €970 | €13,380 | - | €796 | €511 | ▼ 35.7% |
| Other amounts receivable41 | €18,552 | €15,454 | €16,098 | €51,682 | €54,867 | ▲ 6.2% |
| Cash at bank and in hand54/58 | €49 | €22,920 | €23,198 | €78 | €126 | ▲ 60.4% |
| Deferred charges and accrued income490/1 | - | - | - | - | €42 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €19,571 | €51,754 | €41,329 | €53,875 | €58,655 | ▲ 8.9% |
| Equity10/15 | €15,409 | €40,133 | €35,197 | €17,302 | €37,353 | ▲ 116% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | - | - | - | - | €18,000 | - |
| Distributable reserves133 | - | - | - | - | €18,000 | - |
| Profit (loss) carried forward14 | €13,409 | €38,133 | €33,197 | €15,302 | €17,353 | ▲ 13.4% |
| Amounts payable17/49 | €4,163 | €11,621 | €6,132 | €36,573 | €21,301 | ▼ 41.8% |
| Amounts payable within one year42/48 | €4,163 | €11,621 | €6,132 | €36,573 | €21,301 | ▼ 41.8% |
| Trade debts44 | €810 | €27 | €2,890 | €489 | €64 | ▼ 86.9% |
| Suppliers440/4 | €810 | €27 | €2,890 | €489 | €64 | ▼ 86.9% |
| Taxes, remuneration and social security45 | €3,352 | €11,594 | €3,242 | €6,084 | €21,237 | ▲ 249% |
| Taxes450/3 | €3,352 | €11,594 | €3,242 | €3,344 | €11,417 | ▲ 241% |
| Remuneration and social security454/9 | - | - | - | €2,740 | €9,821 | ▲ 258% |
| Other amounts payable47/48 | - | - | - | €30,000 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,409 | €24,725 | -€4,936 | €12,105 | €20,051 | ▲ 65.6% |
| + Depreciation and write-downs630 | - | - | €107 | €713 | €2,710 | ▲ 280% |
| Operating cash flow (approximation) | €13,409 | €24,725 | -€4,829 | €12,818 | €22,761 | ▲ 77.6% |
| Investment in fixed assets (approximation) | - | - | - | €0 | -€4,500 | - |
| Change in cash | - | €22,871 | €278 | -€23,119 | €47 | ▲ 100% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €12,105
Net result €12,105 after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€4,936
Net result drops to -€4,936, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €24,725 ▲84.4%
Operating result €31,944, net result €24,725, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Machelen (Brab.) · 1 establishment unit since 2020
Ground area
471 m²
Building footprint
85 m²
Volume, LiDAR
469 m³
Parcel 23015C0314/00Y003, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
5 S GROUP
since 20202.316.653.374
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23015C0314/00Y003 | Flanders | 471 m² | 1 · 85 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,785 companies in sector 41001 we hold annual accounts for 16,058. 12,788 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
81220Other building cleaning and industrial cleaning
E-invoicing
Reachable via Peppol
Peppol ID
0208:0753786208
Also
9925:BE0753786208
Registered
26-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.