Financials
- Fiscal year
- 2025
- Total assets
- €2,323
- Loss
- -€460
- Solvency
- -19.8%
S&A Solutions
ActiveSummary
The computed 12-month bankruptcy probability of S&A Solutions is 5.4% (elevated). The 2025 annual accounts show negative equity (-€460) and a net result of -€460. Its solvency ranks better than 5% of 9497 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Other construction installation
NACE 43240Bricklaying and masonry work NACE 43910
Size
€2,323total assets 2025
- Equity
- -€460
- Loss
- -€460
Turnover not published (abridged schema)
Structure
- Board
- 1 member
Accounts filed 4 d late1 of 3 deeds read
Why 33- No establishment unit in the KBO- Founded in 2025- Liquidity: current ratio 0.17+ Size: total assets €2,323Show the evidence
Checked score
Score 2025
33
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 3% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength
Weak
Solvency
5
equity -19.8% of total assets
Liquidity
0
short-term debt 119.8%
Profitability
0
return on assets -19.8%
Bankruptcy probability, 12 months
5.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2026: 3.3%lowest value
05-2026: 3.3%● 0.0% vs 04-2026lowest value
06-2026: 3.4%▲ +4.6% vs 05-2026
07-2026: 4.0%▲ +16.3% vs 06-2026
08-2026: 4.2%▲ +5.5% vs 07-2026
09-2026: 5.4%▲ +28.8% vs 08-2026highest value
10-2026: 5.4%● 0.0% vs 09-2026highest value
- No establishment unit in the KBO raises the probability
- Founded in 2025 raises the probability for this profile
- Size: total assets €2,323 lowers the probability for this profile
- Liquidity: current ratio 0.17 raises the probability
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 6%, liquidity 1%, profitability 4%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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 · 1 filingDeviation from the deadline
2025
4 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · abbreviated…
- Appointment: Pereira Dos Santos Alisson (administrateur…State Gazette act
Key points
By topic
Board & ownership
- Board
- 1 member
Go to Board & ownership
Timeline
- Events
- 2
- Since
- 2026
- 04-08-2026Annual accounts filed
- 25-03-2026Appointment: Pereira Dos Santos Alisson (administrateur associé)
Company details
- Legal form
- Private limited company
- Activity
- Other construction installationNACE 43240
- Founded
- 24-03-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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