S&B TECH
ActiveS&B TECH has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €18k. Its solvency ranks better than 67% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency88
Growth-
Track record67
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.72; short-term debt: 36.7% and cash: 0.7% of total assets), and 37.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
62.5%
Return on assets
54.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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
21 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€20k
Total assets
€32k
Net result
€18k
Working capital
€20k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €32k
Equity
€20k
Debt
€12k
Debt finances 37.5% of the balance-sheet total.
Key figures and ratios
Solvency
62.5%
Current ratio
2.72
Quick ratio
2.72
Debt / equity
0.60
ROE
87.5%
ROA
54.7%
Debt
€12k
Debt ≤ 1 year
€12k
Income taxes
€7k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€32k
Current assets29/58€32k
Amounts receivable within one year40/41€32k
Trade receivables40€9k
Other amounts receivable41€23k
Cash at bank and in hand54/58€234
Equity and liabilities
Total equity and liabilities10/49€32k
Equity10/15€20k
Contributions10/11€3k
Reserves13€17k
Distributable reserves133€17k
Profit (loss) carried forward14€512
Amounts payable17/49€12k
Amounts payable within one year42/48€12k
Trade debts44€5k
Suppliers440/4€5k
Taxes, remuneration and social security45€7k
Taxes450/3€7k
Accrued charges and deferred income492/3€230
Income statement
Code2025
Gross operating margin9900€23k
Operating profit (loss)9901€23k
Financial income75/76B€1k
Recurring financial income75€1k
Financial charges65/66B€37
Recurring financial charges65€37
Profit (loss) for the period before taxes9903€24k
Income taxes67/77€7k
Profit (loss) for the period9904€18k
Profit (loss) for the period to be appropriated9905€18k
Appropriation of the result
Profit (loss) to be appropriated9906€18k
Transfer to equity691/2€17k
To other reserves6921€17k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Genk · 1 establishment unit since 2024
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.
Priesterhaagstraat 183600 GenkGround area
253 m²
Building footprint
253 m²
Volume, LiDAR
2,365 m³
Parcel 71305F0573/00G000, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
S&B TECH
since 20242.367.701.110
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71305F0573/00G000 | Flanders | 253 m² | 1 · 253 m² | 10.8 m · 3 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.
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Of 4,266 companies in sector 43230 we hold annual accounts for 1,240. 872 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2024
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.