S&A
Open bankruptcyA bankruptcy procedure is open for S&A according to publications in the Belgian State Gazette; curator: STEFAAN DE BOECK.
Summary
The 2022 annual accounts show equity of €10,443 and a net result of €41,598.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Antwerp, Antwerp division
- Declared bankrupt
- 25 September 2025
- Supervising judge
- Bert De Greef
- Official Gazette
- 01-10-2025 (pdf) ↗search the document for 2025/139230
Deadlines
- Provisional date payments stopped
- 25 September 2025A later judgment can change the date.art. XX.105 CEL
- Appeal or third-party opposition until
- passed on 16 October 2025Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 25 October 2025art. XX.104 and XX.155 CEL
- First verification report
- passed on 21 November 2025Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- passed on 25 September 2026Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Stefaan De BoeckKoninklijkelaan 60, 2600 Berchem (Antwerpen)stefaan.de.boeck@gvgadvocaten.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 19-06-2023, 42 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
42 d early
2020
128 d late
2019
493 d late
2018
63 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 161 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Are there other customers at risk in your own list?List enrichment How is the Computer programming sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2022, micro schema
Turnover
€42,000
EBIT margin
99.4%
Net result
€41,598
2020 · -€5,029
Working capital
€10,443
2020 · -€30,785
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2018201920202022
Turnover€42,000-
Operating result€521--€22,838-€4,887▲ 78.6%€41,732-
Net result€195--€22,858-€5,029below the sector's middle half▲ 78.0%€41,598within the sector's middle half-
EBIT margin99.4%-
Equity-€2,897--€25,756▼ 789%-€30,785below the sector's middle half▼ 19.5%€10,443below the sector's middle half-
Total assets€6,996-€12,221▲ 74.7%€6,692below the sector's middle half▼ 45.2%€43,614below the sector's middle half-
Debt€9,894-€37,977▲ 284%€37,477▼ 1.3%€33,171-
Working capital-€2,897--€25,396▼ 777%-€30,785below the sector's middle half▼ 21.2%€10,443below the sector's middle half-
Solvency-41.4%--210.7%▼ 169.3pp-460.0%below the sector's middle half▼ 249.2pp23.9%below the sector's middle half-
Current ratio0.71-0.32▼ 0.380.18below the sector's middle half▼ 0.151.31below the sector's middle half-
Return on assets (ROA)2.8%--187.0%▼ 189.8pp-75.1%below the sector's middle half▲ 111.9pp95.4%above the sector's middle half-
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €41,732 in 2022, compared with -€4,887 in 2020. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
Equity and liabilities €43,614
Equity
€10,443
Debt
€33,171
Debt finances 76.1% of the balance-sheet total.
Key figures and ratios
Debt to equity
3.18
ROE
398.3%
Debt ≤ 1 year
€33,171▼
2020 · €37,477
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2022 | Change |
|---|---|---|---|---|---|
| Turnover70 | - | - | - | €42,000 | - |
| Other operating charges640/8 | - | - | - | €268 | - |
| Gross operating margin9900 | €984 | -€22,366 | - | €42,000 | - |
| Operating profit (loss)9901 | €521 | -€22,838 | -€4,887 | €41,732 | - |
| Financial charges65/66B | - | - | - | €134 | - |
| Recurring financial charges65 | €326 | €149 | €142 | €134 | - |
| Profit (loss) for the period before taxes9903 | €195 | -€22,858 | -€5,029 | €41,598 | - |
| Profit (loss) for the period9904 | €195 | -€22,858 | -€5,029 | €41,598 | - |
| Profit (loss) for the period to be appropriated9905 | €195 | -€22,858 | -€5,029 | €41,598 | - |
| Line | 2018 | 2019 | 2020 | 2022 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €6,996 | €12,221 | €6,692 | €43,614 | - |
| Current assets29/58 | €6,996 | €12,221 | €6,692 | €43,614 | - |
| Amounts receivable within one year40/41 | €2,443 | €5,254 | €5,039 | €42,800 | - |
| Trade receivables40 | - | - | - | €42,800 | - |
| Cash at bank and in hand54/58 | €4,553 | €6,967 | €1,653 | €814 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €6,996 | €12,221 | €6,692 | €43,614 | - |
| Equity10/15 | -€2,897 | -€25,756 | -€30,785 | €10,443 | - |
| Contributions10/11 | €18,600 | €18,600 | - | €18,600 | - |
| Capital10 | - | - | - | €18,600 | - |
| Issued capital100 | - | - | - | €18,600 | - |
| Profit (loss) carried forward14 | -€21,497 | -€44,356 | -€49,385 | -€8,157 | - |
| Amounts payable17/49 | €9,894 | €37,977 | €37,477 | €33,171 | - |
| Amounts payable within one year42/48 | €9,894 | €37,617 | €37,477 | €33,171 | - |
| Trade debts44 | - | - | €4,687 | €349 | - |
| Suppliers440/4 | - | - | - | €349 | - |
| Other amounts payable47/48 | - | - | - | €32,822 | - |
| Line | 2018 | 2019 | 2020 | 2022 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €195 | -€22,858 | -€5,029 | €41,598 | - |
| Operating cash flow (approximation) | €195 | -€22,858 | -€5,029 | €41,598 | - |
| Change in cash | - | €2,414 | -€5,314 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
01-10
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · event 25-09-2025
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €41,598
Net result €41,598 after 2 loss-making years.
31-12
Financial
Liquidity times 7current ratio 1.31
Current ratio from 0.18 to 1.31; short-term debt falls from €37,477 to €33,171.
2021
06-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 128 days late
06-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 493 days late
2019
31-12
Financial
Weakest financial yearnet -€22,858
Net result drops to -€22,858, the lowest in the series.
02-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 63 days late
2018
08-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 100 days late
2017
03-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 64 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 92 days late
20-04
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 264 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 2013
Ground area
73 m²
Building footprint
66 m²
Volume, LiDAR
1,068 m³
Parcel 11803C0718/00D000, Flanders · tallest building 18.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
S&A
since 20132.222.525.465
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C0718/00D000 | Flanders | 73 m² | 1 · 66 m² | 18.3 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | STEFAAN DE BOECK KONINKLIJKELAAN 60,
2600 BERCHEM (ANTWERPEN) |
25-09-2025 → present |
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Of 16,915 companies in sector 62100 we hold annual accounts for 8,786. 4,503 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-08-2013
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63910Web portal activities
Contact
E-mail
Pipich89@hotmail.com
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.