B & S FINANCE

Active

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

From 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 has been growing by about 9.5% per year since 2019. 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

Official details

KBO

Status: Active since 28-11-2018 Normal situation
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

Company details

Board and ownership

Board

Kantoor A en S BVDirector

Shareholders

KANTOOR A & S60%annual accounts 2025

Board & ownership

Financial position

60 Healthy Checked score 2025

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; =

Filed on 23-06-2026, 38 days before the deadlineat the National Bank

Financials

SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Score 2025

60 / 100

Healthy▲ +10 on 2024

Without a bankruptcy probability, the score rests on 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 within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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

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

Credit check for an amount and term of your choice

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

The scores and ratios are Checked's own calculations, not a credit decision.

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

The company filed its last 7 accounts on average 12 days before the deadline. The Belgian median for financial year 2024 was 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 accounts filed within 30 days either side of that date).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

That holds for every publication since 2021.

KBO publications

Key points

Positive: 7 profitable years in a rowprofit 2025: €26,098 7 years View

Documents

Key facts about B & S FINANCE

What is the company number of B & S FINANCE?: The company number of B & S FINANCE is 0713.998.192. The VAT number is the same 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?: The legal form of B & S FINANCE is Private limited company (BV).
When was B & S FINANCE founded?: B & S FINANCE was 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?: B & S FINANCE had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of B & S FINANCE?: The turnover in financial year 2025 is ≈ €390,000. This figure is estimated from the gross margin of €156,695 and 2,213 comparable companies of the same size. It probably lies between €260,000 and €610,000. It is 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?: B & S FINANCE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies Compare this company with its sector.Sector benchmark

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.

Overview