S&B Group
ActiveS&B Group has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €-1k. Equity is growing by ~34.9% per year across the filed fiscal years. Its solvency ranks better than 65% of 17987 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-5
Solvency96▼-2
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.05 against 2.36 in 2024), and 48.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.3%
Return on assets
-3.9%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
59 d early
2023
54 d early
2022
35 d early
2021
32 d early
2020
18 d late
2019
53 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 7.0%
2024 · €20k
2018: €-7k
2019: €-4k
2020: €7k
2021: €9k
2022: €14k
2023: €20k
2024: €20k
2018 → 2025
Total assets
€36k▲ 7.9%
2024 · €34k
2018: €44k
2019: €38k
2020: €38k
2021: €44k
2022: €39k
2023: €49k
2024: €34k
2018 → 2025
Net result
€-1k
2024 · €186
2018: €52
2019: €3k
2020: €11k
2021: €3k
2022: €5k
2023: €6k
2024: €186
2018 → 2025
Working capital
€19k▲ 0.5%
2024 · €19k
2018: €-6k
2019: €-457
2020: €14k
2021: €23k
2022: €24k
2023: €28k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€14k▲ 55.2%€20k▲ 38.2%€20k▲ 0.9%€19k▼ 7.0%
Operating result€3k-€6k▲ 97.3%€6k▲ 17.3%€1k▼ 81.9%€-904
Net result€3k-€5k▲ 97.3%€6k▲ 7.3%€186▼ 96.6%€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €904 after €1k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€21▼ 98.6%
Current assets
€36k▲ 12.9%
Equity and liabilities €36k
Equity
€19k▼ 7.0%
Debt
€18k▲ 29.8%
The debt ratio rises from 40.4% to 48.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€596▼
2024 · €3k
Cash flow
€96▼
2024 · €2k
Solvency
51.3%▼
2024 · 59.6%
Current ratio
2.05▼
2024 · 2.36
Quick ratio
0.67▲
2024 · 0.57
Debt / equity
0.95▲
2024 · 0.68
ROE
-7.5%▼
2024 · 0.9%
ROA
-3.9%▼
2024 · 0.6%
Interest coverage
1.19▼
2024 · 2.43
Debt
€18k▲
2024 · €14k
Debt ≤ 1 year
€18k▲
2024 · €14k
Staff costs
€7k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€34k€36k▲
Fixed assets21/28€2k€21▼
Tangible fixed assets22/27€2k€21▼
Furniture and vehicles24€2k€21▼
Current assets29/58€32k€36k▲
Stocks and contracts in progress3€24k€24k=
Stocks30/36€24k€24k=
Amounts receivable within one year40/41€6k€6k▲
Trade receivables40-€5k
Other amounts receivable41€6k€645▼
Cash at bank and in hand54/58€2k€6k▲
Deferred charges and accrued income490/1€41€40▼
Equity and liabilities
Total equity and liabilities10/49€34k€36k▲
Equity10/15€20k€19k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€102€-1k▼
Amounts payable17/49€14k€18k▲
Amounts payable within one year42/48€14k€18k▲
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€6k€5k▼
Remuneration and social security454/9€3k€6k▲
Other amounts payable47/48-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€12k€7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€1k€284▼
Non-recurring operating charges66A€476-
Gross operating margin9900€16k€8k▼
Operating profit (loss)9901€1k€-904▼
Financial income75/76B€261-
Recurring financial income75€261-
Financial charges65/66B€1k€500▼
Recurring financial charges65€1k€500▼
Profit (loss) for the period before taxes9903€330€-1k▼
Income taxes67/77€144-
Profit (loss) for the period9904€186€-1k▼
Profit (loss) for the period to be appropriated9905€186€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€102€-1k▼
Profit (loss) brought forward from the previous period14P€-84€102▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-1k ▼853%
Net result drops to €-1k, the lowest in the series.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Highest result since 2018net €11k ▲307%
Operating result €11k, net result €11k, both a record.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
Ahmed Nouman
CurrentDirector · since 01-10-2024
01-10-2024
Appointed as Director
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 2012
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Diestersteenweg 1353510 HasseltGround area
562 m²
Building footprint
213 m²
Volume, LiDAR
994 m³
Parcel 71028B0398/00W000, Flanders · tallest building 10.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
S&B Group
since 20122.213.564.150
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71028B0398/00W000 | Flanders | 562 m² | 1 · 213 m² | 10.1 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
SADIQ SERVICES
BE 0480.271.150
Antwerpen · Eq €19k
SAI
BE 0810.163.794
Antwerpen · Eq €19k
Nassau 31
BE 0633.890.545
Gent · Eq €19k
RADHAKRISHAN
BE 0743.926.949
Soignies · Eq €19k
NORD SUD ALIMENTATION
BE 0800.031.848
Zaventem · Eq €19k
Of 10,411 companies in sector 47110 we hold annual accounts for 5,786. 4,041 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2012
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.