B & S FINANCE
ActiveFrom the official registers: KBO 7 annual accounts at the National Bank publications in the Belgian Official Gazette
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.
Overview
Official details
KBO- Status
- Active since 28-11-2018 Normal situation
- Legal form
- Private limited company
- Registered office
- Stationsstraat 81, 3018 Leuven
- Activity
- No activity registered in the KBO
- Establishment unit
- 2.282.695.654 3018 Leuven, since 28-11-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 18-08-2025
Who decides
Board
- Kantoor A en S BVDirector
Shareholders
How it is doing
Bankruptcy probability: sector outside the model
Annual accounts 2025
- Gross margin
- €156,695
- ▲ 35.0%
- Turnover
- ≈ €390,000
- estimated
- Profit
- €26,098
- ▲ 16×
- Equity
- €56,400
- ▲ 85.4%
- Total assets
- €286,962
- ▼ 13.1%
- Staff
- 1 FTE
- =
2025 accounts 38 days early
Filed on 23-06-2026at the National Bank
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
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.
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Signals
1 signal.
neutral
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 filingsDeviation 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)
neutral · 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 monthsWhere today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
Key points
- Positive: 7 profitable years in a rowprofit 2025: €26,098 7 years View
Documents
Annual accounts at the NBB
- Annual accounts 2025filed on 23-06-2026
- Annual accounts 2024filed on 25-08-2025
- Annual accounts 2023filed on 01-07-2024
- Annual accounts 2022filed on 31-07-2023
Acts in the Belgian Official Gazette
- Registered officeact of 06-05-2026
- Resignations & appointmentsact of 24-01-2025
- Purpose · Amendment of the articles · Legal-form change · Resignations & appointmentsact of 26-02-2024
- Resignations & appointmentsact of 28-06-2022
Articles and registers
- Coordinated articles of associationnotaries' database
- Entry in the KBO registerKBO Public Search
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?
- ≈ €390,000 in financial year 2025. Estimated from the gross margin of €156,695: probably between €260,000 and €610,000, based on 2,210 comparable companies of the same size. A rough estimate.
- 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.Annual accounts at the National Bank
- When are the next annual accounts of B & S FINANCE due?
- By 31-07-2027, for financial year 2026.Timeline
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