B & S LEASE
ActiveSummary
B & S LEASE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €275k and a net result of €21k. Equity is growing by ~23.2% per year across the filed fiscal years. Its solvency ranks better than 54% of 1517 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+28
Solvency60▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 1.44 in 2024; short-term debt: 51.8% and cash: 13.4% of total assets), and 65% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 77
Relative position
BE, all sectors
reference
Sector 77
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
35%
Return on assets
2.7%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
9 d early
2024
28 d late
2023
12 d early
2022
19 d early
2021
101 d early
2020
65 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€275k▲ 8.3%
2024 · €254k
2020: €20k
2021: €47k
2022: €196k
2023: €243k
2024: €254k
2020 → 2025
Total assets
€785k▲ 4.9%
2024 · €748k
2020: €218k
2021: €290k
2022: €329k
2023: €533k
2024: €748k
2020 → 2025
Net result
€21k▲ 104%
2024 · €10k
2020: €2k
2021: €27k
2022: €149k
2023: €47k
2024: €10k
2020 → 2025
Working capital
€81k▼ 52.3%
2024 · €170k
2020: €-13k
2021: €-84k
2022: €-33k
2023: €46k
2024: €170k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€196k▲ 313%€243k▲ 24.2%€254k▲ 4.3%€275k▲ 8.3%
Operating result€30k-€186k▲ 510%€78k▼ 57.7%€-17k€69k
Net result€27k-€149k▲ 447%€47k▼ 68.1%€10k▼ 78.1%€21k▲ 104%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €69k after a loss of €17k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €785k
Fixed assets
€297k ▲ 53.6%
Current assets
€488k ▼ 12.1%
Equity and liabilities €785k
Equity
€275k ▲ 8.3%
Debt
€510k ▲ 3.2%
Debt's share of the balance-sheet total falls from 66.1% to 65.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€142k▲
2024 · €41k
Cash flow
€94k▲
2024 · €68k
Current ratio
1.20▼
2024 · 1.44
Quick ratio
0.77▼
2024 · 0.91
Debt to equity
1.86▼
2024 · 1.95
ROE
7.7%▲
2024 · 4.1%
ROA
2.7%▲
2024 · 1.4%
Interest coverage
4.16▲
2024 · 1.04
Debt ≤ 1 year
€407k▲
2024 · €384k
Debt > 1 year
€104k▼
2024 · €110k
Income taxes
€14k▲
2024 · €113
Staff costs
€103k▲
2024 · €66k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€748k€785k▲
Fixed assets21/28€194k€297k▲
Tangible fixed assets22/27€194k€297k▲
Land and buildings22€54k€149k▲
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€134k€145k▲
Current assets29/58€555k€488k▼
Stocks and contracts in progress3€206k€176k▼
Stocks30/36€206k€176k▼
Amounts receivable within one year40/41€332k€65k▼
Trade receivables40€285k€55k▼
Other amounts receivable41€47k€10k▼
Cash at bank and in hand54/58€16k€105k▲
Deferred charges and accrued income490/1€1k€142k▲
Equity and liabilities
Total equity and liabilities10/49€748k€785k▲
Equity10/15€254k€275k▲
Contributions10/11€19k€19k=
Reserves13€235k€256k▲
Distributable reserves133€235k€256k▲
Amounts payable17/49€495k€510k▲
Amounts payable after more than one year17€110k€104k▼
Financial debts170/4€110k€104k▼
Amounts payable within one year42/48€384k€407k▲
Current portion of amounts payable after more than one year42€93k€118k▲
Trade debts44€89k€105k▲
Suppliers440/4€89k€105k▲
Taxes, remuneration and social security45€4k€22k▲
Taxes450/3-€16k
Remuneration and social security454/9€4k€6k▲
Other amounts payable47/48€199k€161k▼
Income statement
Code20242025
Non-recurring operating income76A€84k€195▼
Remuneration, social security and pensions62€66k€103k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€73k▲
Other operating charges640/8€52k€27k▼
Non-recurring operating charges66A€12k-
Gross operating margin9900€172k€273k▲
Operating profit (loss)9901€-17k€69k▲
Financial income75/76B€67k€25▼
Recurring financial income75€67k€25▼
Financial charges65/66B€40k€34k▼
Recurring financial charges65€40k€34k▼
Profit (loss) for the period before taxes9903€10k€35k▲
Income taxes67/77€113€14k▲
Profit (loss) for the period9904€10k€21k▲
Profit (loss) for the period to be appropriated9905€10k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€21k▲
Transfer to equity691/2€10k€21k▲
To other reserves6921€10k€21k▲
The notes to these accounts (8 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €243k ▲24.2%
4 profitable years in a row build equity to €243k.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €149k ▲447%
Operating result €186k, net result €149k, both a record.
31-12
Financial
Equity above €150kEq €196k ▲313%
3 profitable years in a row build equity to €196k.
21-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-05
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, Boutersem · 1 establishment unit since 2019
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.
Aarschotsebaan 1A3370 BoutersemGround area
3,702 m²
Building footprint
1,151 m²
Volume, LiDAR
6,027 m³
2 parcels, Flanders · tallest building 16.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BEXX Verhuur
since 20192.287.551.196
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24016C0040/00W000 | Flanders | 2,681 m² | 1 · 354 m² | 7.6 m · 2 fl. |
| 24016C0039/00B002 | Flanders | 1,021 m² | 1 · 797 m² | 16.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,200 EUR awarded · 1,200 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,200 EUR | 1,200 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Res Q
BE 0844.367.083
Geel · Eq €275,921
HORIZON
BE 0429.849.263
Antwerpen · Eq €273,741
VERHELST
BE 0463.442.739
Ukkel · Eq €273,358
VERHUUR VIAENE
BE 0429.416.327
Torhout · Eq €276,731
TRAPPENIERS INVEST
BE 0888.263.444
Zoersel · Eq €277,068
Of 1,443 companies in sector 77110 we hold annual accounts for 727. 455 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-03-2019
Fiscal year end31-12
Activities, NACEBEL 2025
77110Renting and leasing of cars and light motor vehicles
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95313Repair and fitting of specific motor vehicle parts
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.