B & S
ActiveThe computed 12-month bankruptcy probability of B & S is 1.8% (moderate). The 2025 annual accounts show equity of €128k and a net result of €85k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 47% of 27711 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
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+5
Solvency69▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.14 in 2024; short-term debt: 44.6% and cash: 7.1% of total assets), but 55.9% 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
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 43
Relative position
BE, all sectors
reference
Sector 43
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
44.1%
Return on assets
29.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €128k
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
28 d late
2024
3 d early
2023
1 d early
2022
6 d early
2021
2 d early
2020
1 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
€128k▲ 104%
2024 · €63k
2020: €-14k
2021: €6k
2022: €2k
2023: €30k
2024: €63k
2020 → 2025
Total assets
€291k▲ 81.8%
2024 · €160k
2020: €109k
2021: €115k
2022: €145k
2023: €171k
2024: €160k
2020 → 2025
Net result
€85k▲ 156%
2024 · €33k
2020: €-15k
2021: €25k
2022: €-4k
2023: €47k
2024: €33k
2020 → 2025
Working capital
€92k▲ 598%
2024 · €13k
2020: €-97k
2021: €-68k
2022: €-62k
2023: €-21k
2024: €13k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€2k▼ 62.5%€30k▲ 1,200%€63k▲ 113%€128k▲ 104%
Operating result€28k-€-4k€65k€46k▼ 28.9%€103k▲ 122%
Net result€25k-€-4k€47k€33k▼ 29.5%€85k▲ 156%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 122% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €291k
Fixed assets
€69k▲ 36.6%
Current assets
€222k▲ 103%
Equity and liabilities €291k
Equity
€128k▲ 104%
Debt
€163k▲ 67.4%
The debt ratio falls from 60.7% to 55.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€114k▲
2024 · €58k
Cash flow
€97k▲
2024 · €44k
Solvency
44.1%▲
2024 · 39.3%
Current ratio
1.71▲
2024 · 1.14
Quick ratio
1.47▲
2024 · 0.81
Debt / equity
1.27▼
2024 · 1.54
ROE
66.6%▲
2024 · 53.0%
ROA
29.4%▲
2024 · 20.8%
Interest coverage
42.72▲
2024 · 14.81
Debt
€163k▲
2024 · €97k
Debt ≤ 1 year
€130k▲
2024 · €96k
Debt > 1 year
€23k
Income taxes
€19k▲
2024 · €12k
Staff costs
€183k▲
2024 · €175k
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€160k€291k▲
Formation expenses20€0€0=
Fixed assets21/28€51k€69k▲
Intangible fixed assets21€46k€36k▼
Tangible fixed assets22/27€5k€33k▲
Land and buildings22-€28k
Plant, machinery and equipment23€5k€5k▼
Current assets29/58€109k€222k▲
Stocks and contracts in progress3€31k€30k▼
Stocks30/36€31k€30k▼
Amounts receivable within one year40/41€63k€167k▲
Trade receivables40€46k€116k▲
Other amounts receivable41€18k€51k▲
Cash at bank and in hand54/58€11k€21k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€160k€291k▲
Equity10/15€63k€128k▲
Contributions10/11€500€500=
Profit (loss) carried forward14€62k€128k▲
Amounts payable17/49€97k€163k▲
Amounts payable after more than one year17-€23k
Financial debts170/4-€23k
Amounts payable within one year42/48€96k€130k▲
Current portion of amounts payable after more than one year42-€2k
Trade debts44€37k€41k▲
Suppliers440/4€37k€41k▲
Taxes, remuneration and social security45€46k€66k▲
Taxes450/3€27k€47k▲
Remuneration and social security454/9€19k€19k▼
Other amounts payable47/48€13k€21k▲
Accrued charges and deferred income492/3€1k€10k▲
Income statement
Code20242025
Remuneration, social security and pensions62€175k€183k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€132€4k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€236k€305k▲
Operating profit (loss)9901€46k€103k▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€45k€105k▲
Income taxes67/77€12k€19k▲
Profit (loss) for the period9904€33k€85k▲
Profit (loss) for the period to be appropriated9905€33k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€148k▲
Profit (loss) brought forward from the previous period14P€29k€62k▲
Profit to be distributed694/7-€20k
Directors or managers695-€20k
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2020net €85k ▲156%
Operating result €103k, net result €85k, both a record.
31-12
Financial
Equity above €100kEq €128k ▲104%
3 profitable years in a row build equity to €128k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €47k
Net result €47k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2020
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.
Terbekehofdreef 51C2610 AntwerpenGround area
2.1 ha
Building footprint
7,500 m²
Volume, LiDAR
33,354 m³
Parcel 11463D0176/00X003, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B & S
since 20202.302.022.905
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11463D0176/00X003 | Flanders | 2.1 ha | 2 · 7,500 m² | 9.0 m · 2 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 7,042 companies in sector 43221 we hold annual accounts for 3,469. 3,035 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2020
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
46649Wholesale of other machinery and equipment
80090Investigation and security activities
80200Investigation and security activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.