B & A SERVICES
ActiveSummary
The computed 12-month bankruptcy probability of B & A SERVICES is 3.1% (moderate). The 2024 annual accounts show equity of €8 and a net result of €6,767. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability89▼-11
Solvency25▲+25
Growth58=
Track record100
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
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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 53
Relative position
BE, all sectors
reference
Postal and courier activities (NACE 53)
about 277% more bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
0%
Return on assets
20.1%
Age of the figures
21 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
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 19-06-2026, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
42 d early
2024
8 d late
2023
28 d late
2022
on the day
2021
3 d early
2020
2 d early
2019
on the day
← 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 2 days before the deadline; the sector median for financial year 2024 is 12 days after the deadline, and 56% 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 31 July (4 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 2024, micro schema
Turnover
€105,644
EBIT margin
9.6%
Net result
€6,767▼ 38.3%
2023 · €10,965
Working capital
-€14,918▲ 41.8%
2023 · -€25,648
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 53, Postal and courier activities, 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
Line20202021202220232024
Turnover€105,644
Operating result-€7,854-€13,084▼ 66.6%-€8,955▲ 31.6%€15,756€10,175▼ 35.4%
Net result-€8,472below the sector's middle half-€13,799below the sector's middle half▼ 62.9%-€9,690below the sector's middle half▲ 29.8%€10,965within the sector's middle half€6,767within the sector's middle half▼ 38.3%
EBIT margin9.6%
Equity€5,766below the sector's middle half▼ 59.5%-€8,033below the sector's middle half-€17,723below the sector's middle half▼ 121%-€6,759below the sector's middle half▲ 61.9%€8below the sector's middle half
Total assets€22,169below the sector's middle half▼ 47.6%€44,783below the sector's middle half▲ 102%€39,696below the sector's middle half▼ 11.4%€23,502below the sector's middle half▼ 40.8%€33,717below the sector's middle half▲ 43.5%
Debt€16,403▼ 41.6%€52,817▲ 222%€57,419▲ 8.7%€30,261▼ 47.3%€33,708▲ 11.4%
Working capital€13,502within the sector's middle half▲ 71.1%-€25,589below the sector's middle half-€36,382below the sector's middle half▼ 42.2%-€25,648below the sector's middle half▲ 29.5%-€14,918below the sector's middle half▲ 41.8%
Solvency26.0%within the sector's middle half▼ 7.6pp-17.9%below the sector's middle half▼ 43.9pp-44.6%below the sector's middle half▼ 26.7pp-28.8%below the sector's middle half▲ 15.9pp0.0%below the sector's middle half▲ 28.8pp
Current ratio2.56above the sector's middle half▲ 1.110.47below the sector's middle half▼ 2.090.35below the sector's middle half▼ 0.110.15below the sector's middle half▼ 0.200.56below the sector's middle half▲ 0.40
Return on assets (ROA)-38.2%below the sector's middle half▼ 45.5pp-30.8%below the sector's middle half▲ 7.4pp-24.4%below the sector's middle half▲ 6.4pp46.7%above the sector's middle half▲ 71.1pp20.1%above the sector's middle half▼ 26.6pp
above
within
below
the middle half (P25 to P75) of NACE 53, Postal and courier activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 35% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €33,717
Fixed assets
€14,927 ▼ 21.0%
Current assets
€18,790 ▲ 307%
Equity and liabilities €33,717
Equity
€8
Debt
€33,708
Debt finances 100.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€15,424▼
2023 · €16,578
Cash flow
€12,016▲
2023 · €11,786
Interest coverage
46.88▲
2023 · 25.88
Debt ≤ 1 year
€33,708▲
2023 · €30,261
Income taxes
€3,088▼
2023 · €4,151
Staff costs
€5,068
Equity ratios withheld: equity of €8 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,325 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.4%
went bankrupt
3.2%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 3.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 1,325 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | - | €105,644 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | - | €97,657 | - |
| Remuneration, social security and pensions62 | - | - | - | - | €5,068 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,400 | €1,935 | €2,436 | €821 | €5,249 | ▲ 539% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €13,384 | €2,811 | - | - |
| Other operating charges640/8 | - | €2,064 | €2,522 | €1,719 | €4,241 | ▲ 147% |
| Non-recurring operating charges66A | - | - | - | €2,530 | - | - |
| Gross operating margin9900 | -€2,534 | -€9,085 | €9,387 | €23,637 | €24,733 | ▲ 4.6% |
| Operating profit (loss)9901 | -€7,854 | -€13,084 | -€8,955 | €15,756 | €10,175 | ▼ 35.4% |
| Financial income75/76B | - | €0 | €0 | €0 | €9 | ▲ 90,900% |
| Recurring financial income75 | €51 | €0 | €0 | €0 | €9 | ▲ 90,900% |
| Financial charges65/66B | - | €715 | €735 | €640 | €329 | ▼ 48.6% |
| Recurring financial charges65 | €651 | €715 | €735 | €640 | €329 | ▼ 48.6% |
| Profit (loss) for the period before taxes9903 | -€8,454 | -€13,799 | -€9,690 | €15,116 | €9,855 | ▼ 34.8% |
| Income taxes67/77 | €18 | €0 | - | €4,151 | €3,088 | ▼ 25.6% |
| Profit (loss) for the period9904 | -€8,472 | -€13,799 | -€9,690 | €10,965 | €6,767 | ▼ 38.3% |
| Profit (loss) for the period to be appropriated9905 | -€8,472 | -€13,799 | -€9,690 | €10,965 | €6,767 | ▼ 38.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €22,169 | €44,783 | €39,696 | €23,502 | €33,717 | ▲ 43.5% |
| Fixed assets21/28 | - | €22,420 | €19,985 | €18,889 | €14,927 | ▼ 21.0% |
| Tangible fixed assets22/27 | - | €22,420 | €19,985 | €18,889 | €14,927 | ▼ 21.0% |
| Furniture and vehicles24 | - | €22,420 | €19,985 | €18,889 | €14,927 | ▼ 21.0% |
| Current assets29/58 | €22,169 | €22,363 | €19,711 | €4,613 | €18,790 | ▲ 307% |
| Amounts receivable within one year40/41 | €21,415 | €19,037 | €6,043 | €3,672 | €4,305 | ▲ 17.2% |
| Trade receivables40 | - | €16,195 | €3,171 | - | €2,641 | - |
| Other amounts receivable41 | - | €2,842 | €2,872 | €3,672 | €1,664 | ▼ 54.7% |
| Cash at bank and in hand54/58 | €754 | €686 | €11,087 | €940 | €13,924 | ▲ 1,381% |
| Deferred charges and accrued income490/1 | - | €2,640 | €2,581 | - | €561 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €22,169 | €44,783 | €39,696 | €23,502 | €33,717 | ▲ 43.5% |
| Equity10/15 | €5,766 | -€8,033 | -€17,723 | -€6,759 | €8 | ▲ 100% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€2,294 | -€16,093 | -€25,783 | -€14,819 | -€8,052 | ▲ 45.7% |
| Amounts payable17/49 | €16,403 | €52,817 | €57,419 | €30,261 | €33,708 | ▲ 11.4% |
| Amounts payable after more than one year17 | €7,736 | €4,452 | €1,326 | - | - | - |
| Financial debts170/4 | - | €4,452 | €1,326 | - | - | - |
| Amounts payable within one year42/48 | €8,667 | €47,952 | €56,094 | €30,261 | €33,708 | ▲ 11.4% |
| Current portion of amounts payable after more than one year42 | - | €3,051 | €3,127 | - | - | - |
| Trade debts44 | €465 | €27,822 | €28,908 | €1,257 | €3,240 | ▲ 158% |
| Suppliers440/4 | - | €27,822 | €28,908 | €1,257 | €3,240 | ▲ 158% |
| Taxes, remuneration and social security45 | - | €551 | €551 | €5,651 | €12,043 | ▲ 113% |
| Taxes450/3 | - | €551 | €551 | €5,651 | €7,239 | ▲ 28.1% |
| Remuneration and social security454/9 | - | - | - | - | €4,804 | - |
| Other amounts payable47/48 | - | €16,529 | €23,509 | €23,353 | €18,425 | ▼ 21.1% |
| Accrued charges and deferred income492/3 | - | €412 | €0 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€8,472 | -€13,799 | -€9,690 | €10,965 | €6,767 | ▼ 38.3% |
| + Depreciation and write-downs630 | €4,400 | €1,935 | €2,436 | €821 | €5,249 | ▲ 539% |
| Operating cash flow (approximation) | -€4,072 | -€11,864 | -€7,255 | €11,786 | €12,016 | ▲ 2.0% |
| Investment in fixed assets (approximation) | - | - | €0 | €274 | -€1,286 | ▼ 570% |
| Change in cash | - | -€68 | €10,401 | -€10,147 | €12,984 | ▲ 228% |
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
19-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €10,965
Net result €10,965 after 3 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet -€13,799
Net result drops to -€13,799, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 396 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Gent · 2 establishment units since 2011
Ground area
2,127 m²
Building footprint
199 m²
Volume, LiDAR
1,546 m³
2 parcels, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
B & A SERVICES
since 20112.198.301.595
B &A BARBER SHOP
since 20262.387.332.128
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44032A0514/00C003 | Flanders | 1,805 m² | - | - |
| 44816K0515/00D002 | Flanders | 321 m² | 1 · 199 m² | 12.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded02-02-2011
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
53200Other postal and courier activities
43211General electrical installation work
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95313Repair and fitting of specific motor vehicle parts
95316Washing and cleaning of motor vehicles
47820Retail sale of motor vehicle parts and accessories
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
46720Wholesale of motor vehicle parts and accessories
49330On-demand passenger transport by chauffeured vehicle
95314Bodywork repair (including spraying and painting)
96210Hairdressing and barber services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0833396878
Also
9925:BE0833396878
Registered
01-12-2025
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.