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Complete company report
Generated 15-08-2026
Active BE 0898.514.364Private limited company

H & S BOUW

Onze-Lieve-Vrouwstraat 10 ·9100 Sint-Niklaas, Belgium· 18 yrs active
Sector: Overige gespecialiseerde bouwactiviteiten, neg (43990)
Conclusion Checked

The file of H & S BOUW contains 1 historical bankruptcy publication, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 1.1% (low). The 2023 annual accounts show equity of €38k and a net result of €19k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 9176 sector peers (fiscal year 2023).

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €38k
Net result €19k
Better than sector 95%
Active 18 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health93Profitability100Solvency100Growth78Stability85
91 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93
Profitability 100
Solvency 100
Growth 78
Stability 85
Bankruptcy probability (12 mo) Checked model v1 · free
1.1% Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Annual accounts: weaker financial profile +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
20 / 100
Moderate risk
Components
· 1 historical bankruptcy publication (+20)
Trust signals 1 signals
Prior bankruptcy
Earlier bankruptcy on record in the Belgian State Gazette, no current open procedure.
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.
Health barometer FY 2023 · computed
93 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 28-06-2024 with the NBB · fiscal year 2023 · micro
€-20k€-10k€0€10k€20kOperating result 2019: €3k€3kNet result 2019: €441€441Operating result 2020: €11k€11kNet result 2020: €10k€10kOperating result 2021: €-3k€-3kNet result 2021: €-3k€-3kOperating result 2022: €-12k€-12kNet result 2022: €-13k€-13kOperating result 2023: €20k€20kNet result 2023: €19k€19k20192020202120222023
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~8.6%/year over 6 fiscal years, indicative, assuming unchanged policy.
€10k€20k€30k€40k€50k2024: €42k (€38k - €45k)2025: €45k (€42k - €48k)2026: €49k (€45k - €53k)2018: €25k2019: €26k2020: €36k2021: €32k2022: €19k2023: €38k201820192020202120222023202420252026
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2023 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 97.1% 38.6%
better than 95% of 9176 sector peers
Net result €19k €12k
better than 62% of 9161 sector peers
Equity €38k €30k
better than 58% of 9183 sector peers
Gross operating margin €22k €33k
better than 38% of 9150 sector peers
Total assets €39k €90k
better than 22% of 9177 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-7k
- 18-23
Net profit
€19k
- 18-23
Cash flow
€-9k
- 18-23
Total assets
€39k
-14.6% 18-23
Equity
€38k
+98.1% 18-23
Working capital
€38k
+140.6% 18-23
Income taxes
€1k
+11389100.0% 18-23
Debt
€1k
-95.8% 18-23
Debt ≤ 1y
€1k
-94.1% 18-23
Debt > 1y
€7k
-31.3% 18-23
Current ratio
34.64
+1799.5% 18-23
Quick ratio
34.64
+1799.5% 18-23
Solvency
97.1%
+131.9% 18-23
Debt / equity
0.03
-97.9% 18-23
ROE
49.5%
- 18-23
ROA
48.1%
- 18-23
Interest coverage
-5.54
- 18-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue-
EBITDA-
Net profit€19k
Cash flow-
Staff costs-
Income taxes€1k
Dividends-
Total assets€39k
Equity€38k
Debt€1k
of which ≤ 1y€1k
of which > 1y-
Working capital€38k
Employees (FTE)-
Ratios (computed)
2023
Current ratio34.64
Quick ratio34.64
Working capital ratio97.1%
Solvency97.1%
Debt / equity0.03
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA48.1%
ROE49.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€39k
Current assets 29/58€39k
Amounts receivable within one year 40/41€14k
Cash & bank 54/58€10k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€39k
Equity 10/15€38k
Contributions / capital 10/11€6k
Reserves 13€32k
Amounts payable 17/49€1k
Amounts payable within one year 42/48€1k
Income statement
Gross operating margin 9900€22k
Operating result 9901€20k
Financial income 75€488
Financial charges 65€300
Result before taxes 9903€20k
Income taxes 67/77€1k
Net result for the period 9904€19k
Result to be appropriated 9905€19k
You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 1 directors
Current directors & mandates
  • KASSELS Whitley Jealisa Naomie
    Director
    State Gazette act 25304328 (16-01-2025)
    Current
    16-01-2025 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Overige gespecialiseerde bouwactiviteiten, neg(43990)
Legal form Private limited company(610)
Incorporation10-06-2008
StatusActive
Postal code9100
First BS signal 29-06-2026
Latest BS signal 29-06-2026
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.
46443E1159/00E000 Flanders 238 m² 1 · 160 m² 13.2 m · 4 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 14 events

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

2026
29-06-2026
Bankruptcy Judicial dissolution
Ondernemingsrechtbank Gent, afdeling Dendermonde · van: H & S BOUW BV- ONZE-LIEVE-VROUWSTRAAT 10/1, 9100 SINT-NIKLAAS
2025
17-09-2025
State Gazette act Registered-office change
19-06-2025
State Gazette act Registered-office change
16-01-2025
State Gazette act Director changes
Pieter Herman
2024
28-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
30-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
30-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
20-09-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
02-10-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
24-09-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
29-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
26-09-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
21-09-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
28-09-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
Lifecycle & Insolvency Signals1 events
29-06-2026
Bankruptcy Judicial dissolution
 · Ondernemingsrechtbank Gent, afdeling Dendermonde · van: H & S BOUW BV- ONZE-LIEVE-VROUWSTRAAT 10/1, 9100 SINT-NIKLAAS · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262026-06-29 · Bankruptcy · Judicial dissolution
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 3 acts
Address history · 2
17-09-2025
Registered-office move
19-06-2025
Registered-office move
All acts · 3 updated 11 months ago
2025
17-09-2025 Registered office moved from Hoogstraten to Sint Niklaas Registered-office change
  • Gravin Elisabethlaan 8 - 2320 Hoogstraten → Onze-Lieve-Vrouwstraat 10/1-9100 Sint
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Onze-Lieve-Vrouwstraat 10/1-9100 Sint",
        "city": "Sint Niklaas",
        "region": "vlaams_gewest",
        "street": "Onze-Lieve-Vrouwstraat",
        "country": "BE",
        "postcode": "9100",
        "box_number": null,
        "street_number": "10/1",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Gravin Elisabethlaan 8 - 2320 Hoogstraten",
        "city": "Hoogstraten",
        "region": "vlaams_gewest",
        "street": "Gravin Elisabethlaan",
        "country": "BE",
        "postcode": "2320",
        "box_number": null,
        "street_number": "8",
        "locality_suffix": null
      },
      "effective_date": "2025-08-31",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "act_body",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": null,
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-09-17",
    "filing_date": "2025-09-03",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2025-08-29",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0898.514.364",
    "name_full": "H \u0026 S Bouw",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Whitley Kassels",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": []
}
19-06-2025 Registered office moved from Antwerpen to Hoogstraten Registered-office change
  • Bisschoppenhoflaan 41 GLV 2100 Antwerpen → Gravin Elisabethlaan 8 -2320 Hoogstraten
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Gravin Elisabethlaan 8 -2320 Hoogstraten",
        "city": "Hoogstraten",
        "region": "vlaams_gewest",
        "street": "Gravin Elisabethlaan",
        "country": "BE",
        "postcode": "2320",
        "box_number": null,
        "street_number": "8",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Bisschoppenhoflaan 41 GLV 2100 Antwerpen",
        "city": "Antwerpen",
        "region": "vlaams_gewest",
        "street": "Bisschoppenhoflaan",
        "country": "BE",
        "postcode": "2100",
        "box_number": null,
        "street_number": "41",
        "locality_suffix": "GLV"
      },
      "effective_date": "2025-05-16",
      "evidence_quote": "Op de buitengewone algemene vergadering van vrijdag 16 mei 2025 is er beslist om de maatschappelijke zetel te verplaatsen van Bisschoppenhoflaan 41 GLV - 2100 Antwerpen naar Gravin Elisabethlaan 8 -2320 Hoogstraten en dit vanaf heden 16/05/2025.",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Antwerpen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-06-19",
    "filing_date": "2025-05-16",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2025-05-16",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0898.514.364",
    "name_full": "H \u0026 S Bouw",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "W. Kassels",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [
    "Bijlagen bij het Belgisch Staatsblad"
  ]
}
16-01-2025 2 directors appointed Director changes·Pieter Herman
  • KASSELS Whitley Jealisa Naomie, Bestuurder
  • ANTWERPS FISKAAL & JURIDISCH STUDIEBUREAU, Dagelijks bestuur
Notary: Pieter Herman · Antwerpen
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "KASSELS Whitley Jealisa Naomie",
        "address": "2320 Hoogstraten, Gravin Elisabethlaan 8 0003",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "board_snapshot",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "HASAN Bilyal Hasan",
        "address": "2030 Antwerpen, Chicagostraat 6",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
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      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "board_snapshot",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "HASAN Hasan",
        "address": "2030 Antwerpen, Chicagostraat 6",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
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      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_pending",
      "role": null,
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": "pending_next_agm",
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_pending",
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      "person": null,
      "reason": null,
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      "via_org": null,
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      "evidence_quote": "",
      "decharge_status": "pending_next_agm",
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "delegation_dagelijks_bestuur_in",
      "role": "dagelijks_bestuur",
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": "0737.601.658",
        "name": "ANTWERPS FISKAAL \u0026 JURIDISCH STUDIEBUREAU",
        "address": "2140 Antwerpen, Joe Englishstraat 54/2de verd",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": "Pieter Herman",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Antwerpen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-01-16",
    "filing_date": "2025-01-14",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2025-01-13",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2025-01-13",
      "unanimous": true
    },
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2025-01-13",
      "unanimous": true
    },
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2025-01-13",
      "unanimous": true
    },
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2025-01-13",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2025-01-13",
      "unanimous": true
    },
    {
      "body": "enig_aandeelhouder_schriftelijk",
      "date": "2025-01-13",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0898.514.364",
    "name_full": "H \u0026 S BOUW",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Pieter Herman",
    "org_rep_person_name": null,
    "person_role_at_subject": "notaris"
  },
  "co_filed_documents": [
    "expeditie"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001Overige gespecialiseerde bouwactiviteiten, neg43990Overige gespecialiseerde bouwwerkzaamheden43999Installatie van isolatie43230Isolatiewerkzaamheden43291Metselwerk43910Uitvoeren van metsel- en voegwerken43994Groothandel in bouwmaterialen, algemeen assortiment46731Groothandel in bouwmaterialen, algemeen assortiment46831Detailhandel in overige bouwmaterialen in gespecialiseerde winkels47529Detailhandel in overige bouwmaterialen, neg47529Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110
Primary activity highlighted.
Names & trade names
Legal nameNL H & S BOUW
Registered office
Onze-Lieve-Vrouwstraat 10 bus 1
9100 Sint-Niklaas, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Comparable size · 2,016 of 15,529 companies in this sector with filed accounts
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CYGO-Renov BE 1001.603.093 · Elsene
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative