S&C

Active

Private limited companyfounded 20197 yrs activeLange Slachterijstraat 50, 2060 Antwerpen, BelgiumKBO/BCE: BE 0728.679.935

Summary

The computed 12-month bankruptcy probability of S&C is 13.3% (high). The 2025 annual accounts show equity of €60,085 and a net result of €199. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 29% of 149 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

S&CActiveChecked score 29/100

Risk analysis Report Compare

Activity

Checked score

Score 2025

29 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 30% of its sector peers (NACE 53, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 46-3

equity 21.1% of total assets

Liquidity 14-4

short-term debt 78.9%

Profitability 47-2

return on assets 0.1%

Bankruptcy probability, 12 months

13.3% High

0%0.5%1.5%4%10%≥ 25%

About 1 in 8 comparable companies go bankrupt within 12 months (an estimate).

Sector median 2.6% (904 companies)

Last 24 months 11-2024: 4.1%lowest value 12-2024: 4.1%● 0.0% vs 11-2024lowest value 01-2025: 6.3%▲ +54.8% vs 12-2024 02-2025: 6.3%▼ -0.4% vs 01-2025 03-2025: 6.3%▼ -0.2% vs 02-2025 04-2025: 6.7%▲ +6.9% vs 03-2025 05-2025: 7.4%▲ +9.5% vs 04-2025 06-2025: 6.9%▼ -6.2% vs 05-2025 07-2025: 7.2%▲ +4.1% vs 06-2025 08-2025: 8.0%▲ +11.2% vs 07-2025 09-2025: 5.6%▼ -30.4% vs 08-2025 10-2025: 10.6%▲ +91.3% vs 09-2025 11-2025: 10.6%● 0.0% vs 10-2025 12-2025: 10.6%● 0.0% vs 11-2025 01-2026: 10.6%● 0.0% vs 12-2025 02-2026: 10.6%● 0.0% vs 01-2026 03-2026: 11.1%▲ +4.6% vs 02-2026 04-2026: 11.5%▲ +3.3% vs 03-2026 05-2026: 11.2%▼ -2.7% vs 04-2026 06-2026: 10.9%▼ -2.3% vs 05-2026 07-2026: 11.1%▲ +1.4% vs 06-2026 08-2026: 13.1%▲ +18.6% vs 07-2026 09-2026: 14.1%▲ +6.9% vs 08-2026highest value 10-2026: 13.3%▼ -5.3% vs 09-2026

2 changes of registered office in 24 months raises the probability
Sector Postal and courier activities (NACE 53) raises the probability
Latest accounts 39 days late; 1 of the last 3 late raises the probability
Liquidity: current ratio 1.18 raises the probability

Credit up to €1,500 at 30 days only on tighter terms

Liquidity tight (current ratio 1.18 against 1.29 in 2024; short-term debt: 78.9% of total assets), and 78.9% of the assets are financed with debt.

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 53, micro). Better than this share of them on solvency 36%, liquidity 18%, profitability 30%, growth against the median 38%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

2 changes of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Sector Postal and courier activities (NACE 53)

In the bankruptcy model this factor raises the probability.

KBO

Latest accounts 39 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Liquidity: current ratio 1.18

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 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 · 6 filings

Deviation from the deadline

2025

39 d late

2024

29 d late

2023

30 d late

2022

12 d early

2021

17 d early

2020

37 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 5 days after the deadline; the sector median for financial year 2024 is 13 days after the deadline, and 56% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 29 August (4 of the last 5 filed years within 41 days of that day).

Companies Code · seven months

Position in the running window

06-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage