C&S

Active

Private limited companyfounded 200718 yrs activeBorgeindstraat 159, 2900 Schoten, BelgiumKBO/BCE: BE 0893.432.752

C&S has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €28k. Its solvency ranks better than 31% of 4462 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2025

64 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability81▼-4

Solvency48▲+5

Growth78

Track record100

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity short (current ratio 0.85 against 1.23 in 2024; short-term debt: 49.5% and cash: 14.4% of total assets), and 77.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 81

Relative position

BE, all sectors

reference

Sector 81

higher

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

22.9%

Return on assets

10.1%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

24 d late

2024

46 d late

← before the deadline after the deadline →

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 months

Position in the running window

19-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€64k▲ 79.6%

2024 · €36k

2024: €36k

2024 → 2025

Total assets

€279k▲ 43.8%

2024 · €194k

2024: €194k

2024 → 2025

Net result

€28k▲ 10.2%

2024 · €26k

2024: €26k

2024 → 2025

Working capital

€-20k

2024 · €23k

2024: €23k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€36k-€64k▲ 79.6%

Operating result€43k-€39k▼ 9.5%

Net result€26k-€28k▲ 10.2%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 9% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €279k

57.7%

42.3%

Fixed assets €161k▲ 133%

Current assets €118k▼ 5.5%

Equity and liabilities €279k

22.9%

77.1%

Equity €64k▲ 79.6%

Debt €215k▲ 35.8%

The debt ratio falls from 81.7% to 77.1%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€74k▲

2024 · €71k

Cash flow

€63k▲

2024 · €54k

Solvency

22.9%▲

2024 · 18.3%

Current ratio

0.85▼

2024 · 1.23

Quick ratio

0.85▼

2024 · 1.23

Debt / equity

3.37▼

2024 · 4.46

ROE

44.3%▼

2024 · 72.2%

ROA

10.1%▼

2024 · 13.2%

Interest coverage

21.98▲

2024 · 13.94

Debt

€215k▲

2024 · €158k

Debt ≤ 1 year

€138k▲

2024 · €101k

Debt > 1 year

€77k▲

2024 · €57k

Income taxes

€9k▼

2024 · €13k

Staff costs

€25k▼

2024 · €55k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€194k€279k▲

Fixed assets21/28€69k€161k▲

Tangible fixed assets22/27€68k€159k▲

Plant, machinery and equipment23€7k€109k▲

Furniture and vehicles24€60k€50k▼

Financial fixed assets28€1k€1k=

Current assets29/58€125k€118k▼

Amounts receivable within one year40/41€72k€76k▲

Trade receivables40€53k€59k▲

Other amounts receivable41€19k€17k▼

Cash at bank and in hand54/58€52k€40k▼

Deferred charges and accrued income490/1€1k€2k▲

Equity and liabilities

Total equity and liabilities10/49€194k€279k▲

Equity10/15€36k€64k▲

Contributions10/11€6k€6k=

Reserves13€30k€58k▲

Tax-exempt reserves132€6k€6k=

Distributable reserves133€23k€51k▲

Amounts payable17/49€158k€215k▲

Amounts payable after more than one year17€57k€77k▲

Financial debts170/4€57k€77k▲

Amounts payable within one year42/48€101k€138k▲

Current portion of amounts payable after more than one year42€29k€37k▲

Trade debts44€58k€82k▲

Suppliers440/4€58k€82k▲

Taxes, remuneration and social security45€10k€17k▲

Taxes450/3€7k€11k▲

Remuneration and social security454/9€3k€6k▲

Other amounts payable47/48€3k€1k▼

Income statement Code20242025

Remuneration, social security and pensions62€55k€25k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€35k▲

Other operating charges640/8€6k€4k▼

Non-recurring operating charges66A€11k-

Gross operating margin9900€143k€102k▼

Operating profit (loss)9901€43k€39k▼

Financial income75/76B€291€2k▲

Recurring financial income75€291€2k▲

Financial charges65/66B€5k€3k▼

Recurring financial charges65€5k€3k▼

Profit (loss) for the period before taxes9903€38k€37k▼

Income taxes67/77€13k€9k▼

Profit (loss) for the period9904€26k€28k▲

Profit (loss) for the period to be appropriated9905€26k€28k▲

Appropriation of the result

Profit (loss) to be appropriated9906€7k€28k▲

Profit (loss) brought forward from the previous period14P€-18k-

Transfer to equity691/2€7k€28k▲

To other reserves6921€7k€28k▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

24-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 24 days late

2025

15-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 46 days late

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Schoten · 1 establishment unit since 2007

establishment The establishment unit on the map

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.

Borgeindstraat 1592900 Schoten

Ground area

1,195 m²

Building footprint

183 m²

Volume, LiDAR

445 m³

Parcel 11443C0545/00Y000, Flanders · tallest building 9.2 m. Linked by address, not a title deed.

1 establishment unit

C&S

Borgeindstraat 159, 2900 SchotenNACE 0112301

since 20072.166.370.185

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11443C0545/00Y000	Flanders	1,195 m²	1 · 183 m²	9.2 m

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel 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 · 190 EUR awarded · 190 EUR paid

Year	Entries	awarded	paid
2023	1	190 EUR	190 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 190 EUR · 190 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site

Schoten2.166.370.185

1 permission

Loonwerker - gebruik gewasbeschermingsmiddelen · since 01-11-2007

Similar companies · same sector, comparable size

Of 21,216 companies in sector 81300 we hold annual accounts for 4,363. 3,650 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-11-2007

Fiscal year end31-12

Activities, NACEBEL

81300Landscape service activities

01410Raising of dairy cattle

43110Demolition

43120Site preparation

43422Screed work

43910Bricklaying and masonry work

43990Other specialised construction activities

43994Specialised construction activities

43999Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.