A. et S.
ActiveA. et S. has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70k and a net result of €7k. Equity is shrinking by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 81% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-8
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 5.86 against 4.82 in 2024; short-term debt: 16.8% and cash: 12.5% of total assets), and 16.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
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
83.2%
Return on assets
8.6%
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
2 d early
2023
30 d late
2022
37 d early
2021
51 d early
2020
29 d early
2019
37 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▼ 6.4%
2024 · €74k
2018: €132k
2019: €132k
2020: €124k
2021: €113k
2022: €106k
2023: €77k
2024: €74k
2018 → 2025
Total assets
€84k▼ 10.3%
2024 · €93k
2018: €172k
2019: €160k
2020: €151k
2021: €140k
2022: €133k
2023: €85k
2024: €93k
2018 → 2025
Net result
€7k▼ 50.1%
2024 · €14k
2018: €22k
2019: €21k
2020: €15k
2021: €16k
2022: €16k
2023: €-24k
2024: €14k
2018 → 2025
Working capital
€68k▼ 5.7%
2024 · €72k
2018: €110k
2019: €115k
2020: €110k
2021: €105k
2022: €102k
2023: €74k
2024: €72k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€113k-€106k▼ 5.9%€77k▼ 28.1%€74k▼ 2.7%€70k▼ 6.4%
Operating result€21k-€20k▼ 5.8%€-23k€15k€8k▼ 47.0%
Net result€16k-€16k▲ 3.0%€-24k€14k€7k▼ 50.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€2k▼ 28.3%
Current assets
€82k▼ 9.9%
Equity and liabilities €84k
Equity
€70k▼ 6.4%
Debt
€14k▼ 25.8%
The debt ratio falls from 20.2% to 16.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€8k▼
2024 · €16k
Cash flow
€8k▼
2024 · €16k
Solvency
83.2%▲
2024 · 79.8%
Current ratio
5.86▲
2024 · 4.82
Quick ratio
5.86▲
2024 · 4.82
Debt / equity
0.20▼
2024 · 0.25
ROE
10.4%▼
2024 · 19.4%
ROA
8.6%▼
2024 · 15.5%
Interest coverage
17.20▼
2024 · 32.74
Debt
€14k▼
2024 · €19k
Debt ≤ 1 year
€14k▼
2024 · €19k
Income taxes
€212▲
2024 · €-325
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€93k€84k▼
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€215€161▼
Financial fixed assets28€350€350=
Current assets29/58€91k€82k▼
Amounts receivable within one year40/41€44k€40k▼
Trade receivables40€8k€5k▼
Other amounts receivable41€36k€35k▼
Current investments50/53€30k€30k▲
Cash at bank and in hand54/58€17k€10k▼
Deferred charges and accrued income490/1€776€1k▲
Equity and liabilities
Total equity and liabilities10/49€93k€84k▼
Equity10/15€74k€70k▼
Contributions10/11€21k€21k=
Reserves13€54k€49k▼
Tax-exempt reserves132€15k€15k=
Distributable reserves133€39k€34k▼
Amounts payable17/49€19k€14k▼
Amounts payable within one year42/48€19k€14k▼
Trade debts44-€100
Suppliers440/4-€100
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€17k€12k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€628▼
Other operating charges640/8€1k€986▼
Non-recurring operating charges66A€40€137▲
Gross operating margin9900€17k€9k▼
Operating profit (loss)9901€15k€8k▼
Financial income75/76B€76€207▲
Recurring financial income75€76€207▲
Financial charges65/66B€478€485▲
Recurring financial charges65€478€485▲
Profit (loss) for the period before taxes9903€14k€7k▼
Income taxes67/77€-325€212▲
Profit (loss) for the period9904€14k€7k▼
Profit (loss) for the period to be appropriated9905€14k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€7k▼
Profit (loss) brought forward from the previous period14P€154-
Transfer from equity791/2€2k€5k▲
Profit to be distributed694/7€17k€12k▼
Return on contributions (dividend)694€17k€12k▼
The notes to these accounts (8 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-24k ▼246%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 10.00
Current ratio from 4.93 to 10.00; short-term debt falls from €26k to €8k.
24-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Jette · 1 establishment unit since 1982
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.
Tilmontstraat 131090 JetteGround area
153 m²
Building footprint
71 m²
Volume, LiDAR
629 m³
Parcel 21463D0283/00M042, Brussels · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Tilmontstraat 13, 1090 Jette
since 19822.230.572.408
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21463D0283/00M042 | Brussels | 153 m² | 1 · 71 m² | 12.1 m · 3 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.
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,259 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-1982
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:alonsious@scarlet.be
Phone:02/425.93.01