Financials
- Financial year
- 2025
- Total assets
- €158,945
- Profit
- €98,466
- Solvency
- 65.1%
S&B
ActiveSummary
S&B has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103,466 and a net result of €98,466. Its solvency ranks better than 59% of 38,739 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Activities of head offices
NACE 70100
1 site
Size
€158,945total assets 2025
- Staff
- 1 FTE
- Equity
- €103,466
- Profit
- €98,466
Turnover not published (micro format)
Structure
Accounts 18 days early0 of 1 deed read
Why 90raises riskFounded in 2025Liquidity: current ratio 2.48, cash €12,971lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Figures for financial year 2025 (filed 13-07-2026)Show the evidence
Checked score
Score 2025
90
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 56% of its sector peers (NACE 70, micro)
Financial strength
Strong
Solvency
90
equity 65.1% of total assets
Liquidity
45
short-term debt 34.9% · cash 8.2%
Profitability
100
return on assets 62.0%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2026: 0.4%
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026highest value
08-2026: 0.2%▼ -0.2 percentage points vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
Credit of up to €9,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity ample (current ratio 2.48, above the usual 1.5; short-term debt: 34.9% and cash: 8.2% of total assets), and 34.9% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 70, micro): better than 60% on solvency, 24% on liquidity and 84% on profitability.
The bankruptcy probability was computed on 12-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
18 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Activities of head officesNACE 70100
- Founded
- 05-02-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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