B & S FINANCE

Active

Private limited companyfounded 2018active for 7 yearsStationsstraat 81, 3018 Leuven, BelgiumKBO/BCE: BE 0713.998.192

Summary

B & S FINANCE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €56,400 and a net result of €26,098. Equity is growing by about 9.5% per year across the filed financial years. The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

B & S FINANCEActiveChecked score 60/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

≈ €390,000turnover 2025, estimated

Staff: 1 FTE
Equity: €56,400
Profit: €26,098

Turnover estimated from the gross margin

Financial health

60 Healthy Checked score 2025

Bankruptcy probability: sector outside the model

Structure

Parent: KANTOOR A & S · 60%

FROONINCKX BjornDirector
VAN EVERBROECK SvenDirector

2025 accounts 38 days early3 of 5 deeds summarised

SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Score 2025

60 / 100

Healthy▲ +10 on 2024

Without a bankruptcy probability: score from the figures alone

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 45+11

equity 19.7% of total assets

Liquidity 56+8

short-term debt 27.5% · cash 13.8%

Profitability 80+11

return on assets 9.1%

Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

Credit of up to €3,000 on 30-day terms is acceptable

Liquidity tight (current ratio 1.06, compared with 0.77 in 2024, below the usual 1.5; short-term debt: 27.5% and cash: 13.8% of total assets), and 80.3% of the assets are financed with debt and provisions.

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

1 signal.

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 23-06-2026, 38 days ahead of the deadline.

NBB · 7 filings

Deviation from the deadline

2025

38 days early

2024

25 days late

2023

30 days early

2022

on the day

2021

30 days early

2020

2 days early

2019

8 days early

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 12 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 2 July (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

28-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

23-06-2026 Annual accounts filedfinancial year 2025 · micro…
06-05-2026 Permanent representative: Van Everbroeck SvenRegistered-office move
31-12-2025 Highest result from 2019 to 2025net €26,098 ▲1,548%

Key points

Controlled by KANTOOR A & S 60% View
Positive: 7 profitable years in a rowprofit 2025: €26,098 7 years View
Board2 directors in office 2 View

By topic

Financials

Financial year: 2025
Total assets: €286,962
Profit: €26,098
Solvency: 19.7%

Total assets▼ 13.1%

Net result

20192025

Go to Financials

Board & ownership

Board: 2 members
Parent: KANTOOR A & S · 60%

FROONINCKX BjornDirector
VAN EVERBROECK SvenDirector

Go to Board & ownership

Network & group

Connected companies: 1

Go to Network & group

Timeline

Events: 13
Since: 2020
Next accounts: by 31-07-2027

25-08-2025Annual accounts filed
24-01-2025Resignation: Zakenkantoor Frooninckx (director)
01-07-2024Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Founded: 28-11-2018
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 4

Who signs: Each director alone
Annual meeting: First Thursday of June at 20:00

Go to Articles of association

Key facts about B & S FINANCE

What is the company number of B & S FINANCE?: 0713.998.192. In Belgium the VAT number is the company number with BE in front: BE 0713.998.192.
Where is B & S FINANCE based?: The registered office is at Stationsstraat 81, 3018 Leuven.Company details
What is the legal form of B & S FINANCE?: Private limited company (BV).
When was B & S FINANCE founded?: On 28-11-2018.
Is B & S FINANCE still active?: Yes, B & S FINANCE is an active enterprise in the KBO register.
How many employees does B & S FINANCE have?: On average 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of B & S FINANCE?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is B & S FINANCE profitable?: In financial year 2025, B & S FINANCE made a profit of €26,098.
Where can I find the annual accounts of B & S FINANCE?: B & S FINANCE filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of B & S FINANCE due?: By 31-07-2027, for financial year 2026.Timeline