Active BE 0713.998.192Private limited company

B & S FINANCE

Stationsstraat 81 ·3018 Leuven, Belgium· 7 yrs active

Sector: Agenten en makelaars in bankdiensten (66191)

Conclusion Checked

B & S FINANCE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.

Key figures

Active	7 yrs
Board	2
Locations	1
Publications	5

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2018, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financial overview6 NBB filings

Financials being processed

NBB has 6 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.

Filings on record

Fiscal year	Type	Filed	Reference
31-12-2024	micro	24-06-2025	2025-00168810
31-12-2023	micro	01-07-2024	2024-00186920
31-12-2022	micro	31-07-2023	2023-00294354
31-12-2021	verkort	01-07-2022	2022-20118625
31-12-2020	verkort	29-07-2021	2021-43100050
31-12-2019	verkort	23-07-2020	2020-32900566

Directors & mandates 4 directors

Current directors & mandates

KANTOOR A & SLegal entity
Director· perm. rep.: VAN EVERBROECK Sven
State Gazette act 24367130 (26-02-2024)

Current
26-02-2024 → present
ZAKENKANTOOR FROONINCKXLegal entity
Director· perm. rep.: FROONINCKX Bjorn
State Gazette act 24367130 (26-02-2024)

Current
26-02-2024 → present

Former directors (2)

FROONINCKX Bjorn
Director
State Gazette act 22076181 (28-06-2022)

Former
- → 31-12-2021
VAN EVERBROECK Sven
Director
State Gazette act 22076181 (28-06-2022)

Former
- → 31-12-2021

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Legal Structure

NACE primary	Agenten en makelaars in bankdiensten(66191)
Legal form	Private limited company(610)
Incorporation	28-11-2018
Status	Active
Postal code	3018

Connections & network 2 connected companies

Group structure

KANTOOR A & S

Sits on the board · 1 subsidiary · 1 location

Control→

ZAKENKANTOOR FROONINCKX

Sits on the board · 1 subsidiary · 1 location

Control→

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control 2 parties

Control over this companysits on this company's board2

KANTOOR A & S

1 subsidiary · 1 location

ZAKENKANTOOR FROONINCKX

1 subsidiary · 1 location

controls

B & S FINANCEBE 0713.998.192

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Establishment units 1 location

Stationsstraat 81, 3018 Leuven

Agenten en makelaars in bankdiensten

since 20182.282.695.654

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24038C0190/00B005	Flanders	119 m²	1 · 65 m²	9.8 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

06-05-2026

State Gazette act Open capture

Seat change · Approval · Officer appointment · Act object

2025

24-06-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

24-01-2025

State Gazette act Director changes

v3.2

2024

01-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

26-02-2024

State Gazette act Statutes amendment

v3.2

2023

31-07-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

01-07-2022

NBB filing Annual accounts filed

fiscal year 2021 · verkort

28-06-2022

State Gazette act Director changes

v3.2

2021

29-07-2021

NBB filing Annual accounts filed

fiscal year 2020 · verkort

2020

23-07-2020

NBB filing Annual accounts filed

fiscal year 2019 · verkort

2018

30-11-2018

State Gazette act Incorporation

oprichting

Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 5 acts

Address history · 1

06-05-2026

Seat change: to: Stationsstraat 81 te 3018 Wijgmaal, from: Dorpsstraat 178 te 3078 Kortenberg, effective_date: 2026-02-11

All acts · 5 updated 3 months ago

2026

06-05-2026 Seat change · Approval · Officer appointment · Act object Open-capture extraction

Seat change: to: Stationsstraat 81 te 3018 Wijgmaal, from: Dorpsstraat 178 te 3078 Kortenberg, effective_date: 2026-02-11 · B & S Finance
Approval: decision: Met unanimiteit vaan stemmen word deze wijziging aanvaard. · B & S Finance
Officer appointment: role: Bestuurder · Van Everbroeck Sven
Filing: date: 2026-04-20 · B & S Finance
Publication: date: 2026-05-06 · B & S Finance
Act object: WIJZIGING MAATSCHAPPELIJKE ZETEL

Summary: Seat change · Approval · Officer appointment · Act object

Original publication ↗

Technical details

{
  "facts": [
    {
      "type": "seat_change",
      "quote": "De bestuurder beslist de maatschappelijke zetel over te brengen van Dorpsstraat 178 te 3078 Kortenberg naar Stationsstraat 81 te 3018 Wijgmaal vanaf 11 februai 2026.",
      "value": {
        "to": "Stationsstraat 81 te 3018 Wijgmaal",
        "from": "Dorpsstraat 178 te 3078 Kortenberg",
        "effective_date": "2026-02-11"
      },
      "object": null,
      "subject": "e1"
    },
    {
      "type": "approval",
      "quote": "Met unanimiteit vaan stemmen word deze wijziging aanvaard.",
      "value": {
        "decision": "Met unanimiteit vaan stemmen word deze wijziging aanvaard."
      },
      "object": null,
      "subject": "e1"
    },
    {
      "type": "officer_appointment",
      "quote": "Bestuurder",
      "value": {
        "role": "Bestuurder"
      },
      "object": "e1",
      "subject": "e2"
    },
    {
      "type": "filing",
      "quote": "20 APR. 2026",
      "value": {
        "date": "2026-04-20"
      },
      "object": null,
      "subject": "e1"
    },
    {
      "type": "publication",
      "quote": "Bijlagen bij het Belgisch Staatsblad - 06/05/2026",
      "value": {
        "date": "2026-05-06"
      },
      "object": null,
      "subject": "e1"
    },
    {
      "type": "act_object",
      "quote": "Onderwerp akte: WIJZIGING MAATSCHAPPELIJKE ZETEL",
      "value": "WIJZIGING MAATSCHAPPELIJKE ZETEL",
      "object": null,
      "subject": null
    }
  ],
  "act_meta": {
    "model_id": 40,
    "extractor": "open-capture-27b-v3",
    "ocr_chars": 1102,
    "truncated": false,
    "needs_verify": true
  },
  "entities": [
    {
      "id": "e1",
      "kbo": "0713.998.192",
      "kind": "company",
      "name": "B \u0026 S Finance",
      "attrs": {
        "new_seat": "Stationsstraat 81 te 3018 Wijgmaal",
        "old_seat": "Dorpsstraat 178 te 3078 Kortenberg",
        "legal_form": "Besloten Vennootschap"
      }
    },
    {
      "id": "e2",
      "kbo": null,
      "kind": "person",
      "name": "Van Everbroeck Sven",
      "attrs": {
        "rrn": null,
        "role": "Bestuurder"
      }
    }
  ]
}

2025

24-01-2025 Frooninckx Bjon resigns as director Director changes

Frooninckx Bjon, Bestuurder

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Frooninckx Bjon",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0713998192",
        "name": "Zakenkantoor Frooninckx",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2024-12-03",
      "evidence_quote": "Ingevolge de bijzondere algemene vergadering van 03 december 2024 werd beslist Zakenkantoor Frooninckx met als vaste vertegenwoordiger Frooninckx Bjon, Spie 12 te 2861 Sint-Katelijne-Waver te ontslaan als bestuurder op 03 december 20242. Aan hem wordt kwijting verleend voor de door hem in de loop va",
      "discharge_granted": true
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0713.998.192",
    "name_full": "B \u0026 S FINANCE",
    "legal_form": "BV"
  }
}

2024

26-02-2024 Articles of association amended Statutes amendment

Summary: v3.2

Original publication ↗

Technical details

{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": false,
    "object_change": true,
    "effective_date": "2020-01-01",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0713.998.192",
    "name_full": "B \u0026 S FINANCE",
    "legal_form": "BVBA"
  },
  "signature_regime": "solo",
  "special_mandates": [],
  "governance_change": {
    "admin_delegated_added": []
  }
}

2022

28-06-2022 2 resigning Director changes

Frooninckx Bjorn, Bestuurder
van Everbroeck Sven, Bestuurder

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Frooninckx Bjorn",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2021-12-31",
      "evidence_quote": "Ingevolge de bijzondere algemene vergadering van 25 maart 2022 werd beslist de heer Frooninckx Bjorn en de heer van Everbroeck Sven als natuurlijk persoon te ontslaan op 31 december 2021. Aan hen werd kwijting verleend voor de door hen in de loop van het afgesloten boekjaar vervulde opdrachten.",
      "discharge_granted": true
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "van Everbroeck Sven",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2021-12-31",
      "evidence_quote": "Ingevolge de bijzondere algemene vergadering van 25 maart 2022 werd beslist de heer Frooninckx Bjorn en de heer van Everbroeck Sven als natuurlijk persoon te ontslaan op 31 december 2021. Aan hen werd kwijting verleend voor de door hen in de loop van het afgesloten boekjaar vervulde opdrachten.",
      "discharge_granted": true
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0713.998.192",
    "name_full": "B \u0026 S FINANCE",
    "legal_form": "BVBA"
  }
}

2018

30-11-2018 Incorporation of a new BV Incorporation

Summary: oprichting

Original publication ↗

Technical details

{
  "kind": "oprichting",
  "seat": "3078 Kortenberg (Meerbeek), Dorpsstraat 178",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1977-11-11",
        "name": "FROONINCKX Bjorn",
        "niss": null,
        "address": "2861 Sint-Katelijne-Waver (Onze-Lieve-Vrouw-Waver), Spie 12"
      },
      "share_class": "gewone aandelen",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 7500,
      "holder_person_name": "FROONINCKX Bjorn",
      "is_subscriber_only": false,
      "n_shares_subscribed": 75,
      "amount_subscribed_eur": 7500,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1977-09-20",
        "name": "VAN EVERBROECK Sven",
        "niss": null,
        "address": "3018 Leuven (Wijgmaal), Gebroeders Tassetstraat 75"
      },
      "share_class": "gewone aandelen",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 7500,
      "holder_person_name": "VAN EVERBROECK Sven",
      "is_subscriber_only": false,
      "n_shares_subscribed": 75,
      "amount_subscribed_eur": 7500,
      "is_anonymous_silent_partner": false
    },
    {
      "org": {
        "kbo": "0881.470.276",
        "name": "ZAKENKANTOOR FROONINCKX"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "gewone aandelen",
      "partner_role": null,
      "holder_org_kbo": "0881.470.276",
      "holder_org_name": "ZAKENKANTOOR FROONINCKX",
      "contribution_type": "cash",
      "amount_paid_in_eur": 1800,
      "holder_person_name": null,
      "is_subscriber_only": false,
      "n_shares_subscribed": 18,
      "amount_subscribed_eur": 1800,
      "is_anonymous_silent_partner": false
    },
    {
      "org": {
        "kbo": "0444.225.851",
        "name": "KANTOOR A EN S"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "gewone aandelen",
      "partner_role": null,
      "holder_org_kbo": "0444.225.851",
      "holder_org_name": "KANTOOR A EN S",
      "contribution_type": "cash",
      "amount_paid_in_eur": 1800,
      "holder_person_name": null,
      "is_subscriber_only": false,
      "n_shares_subscribed": 18,
      "amount_subscribed_eur": 1800,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 18600,
  "subject_company": {
    "kbo": "0713.998.192",
    "name_full": "B \u0026 S FINANCE",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2018-11-28",
  "post_incorporation_mandates": []
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Agenten en makelaars in bankdiensten66191

Primary activity highlighted.

Names & trade names

Legal nameNL

B & S FINANCE

Registered office

Stationsstraat 81

3018 Leuven, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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