B and S
ActiveSummary
The computed 12-month bankruptcy probability of B and S is 1.6% (moderate). The 2025 annual accounts show equity of €127k and a net result of €79k. Its solvency ranks better than 82% of 18280 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▼-2
Growth78
Track record82
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days only on tighter terms
Liquidity ample (current ratio 3.69 against 3.78 in 2024; short-term debt: 26.7% and cash: 35.8% of total assets), and 26.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
73.3%
Return on assets
45.8%
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 05-06-2026, 56 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
56 d early
2024
87 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€127k▲ 166%
2024 · €48k
2024: €48k
2024 → 2025
Total assets
€173k▲ 172%
2024 · €64k
2024: €64k
2024 → 2025
Net result
€79k▲ 75.5%
2024 · €45k
2024: €45k
2024 → 2025
Working capital
€125k▲ 179%
2024 · €45k
2024: €45k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€48k-€127k▲ 166%
Operating result€57k-€100k▲ 75.0%
Net result€45k-€79k▲ 75.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 75% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €173k
Fixed assets
€2k ▼ 21.0%
Current assets
€171k ▲ 181%
Equity and liabilities €173k
Equity
€127k ▲ 166%
Debt
€46k ▲ 188%
Debt's share of the balance-sheet total rises from 25.2% to 26.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€101k▲
2024 · €57k
Cash flow
€80k▲
2024 · €45k
Current ratio
3.69▼
2024 · 3.78
Quick ratio
3.57▲
2024 · 3.45
Debt to equity
0.36▲
2024 · 0.34
ROE
62.5%▼
2024 · 94.8%
ROA
45.8%▼
2024 · 70.9%
Interest coverage
1820.48▼
2024 · 2090.64
Debt ≤ 1 year
€46k▲
2024 · €16k
Income taxes
€21k▲
2024 · €12k
Staff costs
€15k▲
2024 · €13k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€64k€173k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24-€378
Current assets29/58€61k€171k▲
Stocks and contracts in progress3€5k€6k▲
Stocks30/36€5k€6k▲
Amounts receivable within one year40/41€8k€103k▲
Trade receivables40€7k€102k▲
Other amounts receivable41€1k€529▼
Cash at bank and in hand54/58€47k€62k▲
Deferred charges and accrued income490/1€126€682▲
Equity and liabilities
Total equity and liabilities10/49€64k€173k▲
Equity10/15€48k€127k▲
Contributions10/11€3k€3k=
Reserves13€45k€125k▲
Distributable reserves133€45k€125k▲
Amounts payable17/49€16k€46k▲
Amounts payable within one year42/48€16k€46k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€13k€42k▲
Taxes450/3€12k€33k▲
Remuneration and social security454/9€1k€9k▲
Other amounts payable47/48€391€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€13k€15k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30€1k▲
Other operating charges640/8€275€935▲
Gross operating margin9900€71k€117k▲
Operating profit (loss)9901€57k€100k▲
Financial income75/76B-€500
Recurring financial income75-€500
Financial charges65/66B€27€55▲
Recurring financial charges65€27€55▲
Profit (loss) for the period before taxes9903€57k€100k▲
Income taxes67/77€12k€21k▲
Profit (loss) for the period9904€45k€79k▲
Profit (loss) for the period to be appropriated9905€45k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€79k▲
Transfer to equity691/2€45k€79k▲
To other reserves6921€45k€79k▲
The notes to these accounts (9 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €127k ▲166%
2 profitable years in a row build equity to €127k.
05-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Middelkerke · 1 establishment unit since 2024
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.
Arendlaan 338434 MiddelkerkeGround area
1,383 m²
Building footprint
1,078 m²
Volume, LiDAR
19,974 m³
Parcel 35022A0001/00R062, Flanders · tallest building 25.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
B and S
since 20242.358.502.936
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35022A0001/00R062 | Flanders | 1,383 m² | 1 · 1,078 m² | 25.1 m · 7 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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D.VISION
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AL-TERRE-NATIVE
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Of 2,476 companies in sector 47279 we hold annual accounts for 950. 750 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
Founded18-04-2024
Fiscal year end31-12
Activities, NACEBEL 2025
46370Wholesale trade
47279Other retail sale of food
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.