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S&A

Active
Limited partnershipfounded 2018active for 8 yearsKlapperbeekstraat 105, 9100 Sint-Niklaas, BelgiumKBO/BCE: BE 0690.705.029

From the official registers: KBO 8 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

S&A has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19,843 and a net result of -€10,803. Equity has been growing by about 14% per year since 2018. Its solvency ranks better than 66% of 2,812 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

KBO
Status
Active since 19-02-2018 Normal situation
Legal form
Limited partnership
Registered office
Klapperbeekstraat 105, 9100 Sint-Niklaas
Activity
Office administrative and support services NACE 82100and 6 others
Establishment unit
2.340.568.428 9100 Sint-Niklaas, since 19-02-2018
Financial year end
31 December
Peppol
Reachable since 15-10-2025

Board and ownership

Board
  • De Donder SigridDirector

Financial position

82 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts 2025
Gross margin
-€2,073
Loss
€10,803
Equity
€19,843
▼ 35.3%
Total assets
€32,611
▼ 23.4%
Turnover not published (abbreviated or micro format)2025 accounts filed 61 days after the deadline
Filed on 30-09-2026at the National Bank
Score breakdownraises riskLast filed accounts filed 61 days late; 2 of the last 3 accounts latelowers riskSector: Office administrative, office support and other business support activities (NACE 82)Legal form: limited partnershipSize: total assets €32,611Show the evidence

Checked score

Score 2025
82 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 32% of micro companies in office administrative support (NACE 82)
Financial strength · tick: 2024
Average
Solvency 86-11
equity 60.8% of total assets
Liquidity 53-19
short-term debt 39.2% · cash 16.6%
Profitability 0-86
return on assets -33.1%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,668 companies, NACE 82, micro)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● unchanged vs 11-2024 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.1%▼ -0.2 percentage points vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025lowest value 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.2%▲ +0.1 percentage points vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.1%▼ -0.1 percentage points vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.2%▲ +0.1 percentage points vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.3%▲ +0.1 percentage points vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026highest value
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.24 (3.07 in 2024), below the usual 1.5. Short-term debt is 39.2% and cash 16.6% of total assets. 39.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 61% of them on solvency, 45% on liquidity, 5% on profitability and 16% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Five signals.
lowers riskraises risk
raises risk · Last filed accounts filed 61 days late; 2 of the last 3 accounts late
NBB · filings
lowers risk · Sector: Office administrative, office support and other business support activities (NACE 82)
KBO
lowers risk · Legal form: limited partnership
KBO
lowers risk · Size: total assets €32,611
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 8 filings
Deviation from the deadline
2025
61 days late
2024
42 days late
2023
23 days late
2022
32 days late
2021
43 days late
2020
40 days late
2019
32 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 30 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 11 September (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 83% of companies in office administrative supportsector median €21,082 · 2,814 companies -€10,803 View

Documents

Annual accounts at the NBB

All 8 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about S&A

What is the company number of S&A?
The company number of S&A is 0690.705.029. The VAT number is the same number with BE in front: BE 0690.705.029.
Where is S&A based?
The registered office is at Klapperbeekstraat 105, 9100 Sint-Niklaas.Company details
What does S&A do?
According to the KBO register, the main activity is office administrative and support services (NACE 82100).
What is the legal form of S&A?
The legal form of S&A is Limited partnership (Comm.V).
When was S&A founded?
S&A was founded on 19-02-2018.
Is S&A still active?
Yes, S&A is an active enterprise in the KBO register.
What is the turnover of S&A?
The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it. In financial year 2020 turnover was €87,372.Financials
Is S&A profitable?
In financial year 2025, S&A made a loss of €10,803.
Where can I find the annual accounts of S&A?
S&A filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of S&A due?
S&A must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Comparable companies

These companies have the same main activity as S&A: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €29,600 and €35,800, founded between 2016 and 2019.

CompanyTotal assetsGross margin
S&A Sint-Niklaas€32,611-€2,073
SUN SAILOR Sint-Niklaas€34,509-€16,017
BRUSSELS HR PROJECT Watermaal-Bosvoorde€31,094-€19,619
PROGRESSIOLAB Schaarbeek€29,624-€5,382
HEAL CLINIC La Hulpe€33,437-€23,399
TEAM SUPPORT V.H. Les Bons Villers€31,427-€496
FORUM LOUISE Etterbeek€35,761-€1,384
Full comparison

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