S & C Bouw
ActiveThe computed 12-month bankruptcy probability of S & C Bouw is 2.1% (moderate). The 2025 annual accounts show equity of €51k and a net result of €27k. Its solvency ranks better than 60% of 7321 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +39 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency89▲+29
Growth78
Stability94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 0.83 in 2024), and 46.8% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
53.2%
Return on assets
27.4%
Age of the figures
8 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 24-08-2026, 24 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 · 2 filingsDeviation from the deadline
2025
24 d late
2024
21 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▲ 99.3%
2024 · €26k
2024: €26k
2024 → 2025
Total assets
€97k▲ 55.9%
2024 · €62k
2024: €62k
2024 → 2025
Net result
€27k▲ 10.6%
2024 · €24k
2024: €24k
2024 → 2025
Working capital
€31k
2024 · €-6k
2024: €-6k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€26k-€51k▲ 99.3%
Operating result€36k-€33k▼ 7.9%
Net result€24k-€27k▲ 10.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97k
Fixed assets
€21k▼ 35.8%
Current assets
€76k▲ 154%
Equity and liabilities €97k
Equity
€51k▲ 99.3%
Debt
€45k▲ 25.0%
The debt ratio falls from 58.4% to 46.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€45k▼
2024 · €55k
Cash flow
€38k▼
2024 · €43k
Solvency
53.2%▲
2024 · 41.6%
Current ratio
1.68▲
2024 · 0.83
Quick ratio
1.68▲
2024 · 0.83
Debt / equity
0.88▼
2024 · 1.40
ROE
51.5%▼
2024 · 92.8%
ROA
27.4%▼
2024 · 38.6%
Interest coverage
44.69▲
2024 · 26.97
Debt
€45k▲
2024 · €36k
Debt ≤ 1 year
€45k▲
2024 · €36k
Income taxes
€7k▼
2024 · €10k
Staff costs
€4k▼
2024 · €30k
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€62k€97k▲
Fixed assets21/28€32k€21k▼
Intangible fixed assets21€20k€16k▼
Tangible fixed assets22/27€12k€4k▼
Plant, machinery and equipment23€10k€3k▼
Furniture and vehicles24€2k€981▼
Financial fixed assets28€700€700=
Current assets29/58€30k€76k▲
Amounts receivable within one year40/41€29k€71k▲
Trade receivables40€10k€27k▲
Other amounts receivable41€20k€44k▲
Cash at bank and in hand54/58€101€5k▲
Deferred charges and accrued income490/1€330€195▼
Equity and liabilities
Total equity and liabilities10/49€62k€97k▲
Equity10/15€26k€51k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€22k€48k▲
Amounts payable17/49€36k€45k▲
Amounts payable within one year42/48€36k€45k▲
Trade debts44€23k€16k▼
Suppliers440/4€23k€16k▼
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45€13k€24k▲
Taxes450/3€10k€24k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€583€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€30k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€11k▼
Other operating charges640/8€730€3k▲
Gross operating margin9900€85k€51k▼
Operating profit (loss)9901€36k€33k▼
Financial income75/76B€537€2k▲
Recurring financial income75€537€2k▲
Financial charges65/66B€2k€996▼
Recurring financial charges65€2k€996▼
Profit (loss) for the period before taxes9903€34k€34k▼
Income taxes67/77€10k€7k▼
Profit (loss) for the period9904€24k€27k▲
Profit (loss) for the period to be appropriated9905€24k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€49k▲
Profit (loss) brought forward from the previous period14P-€22k
Profit to be distributed694/7€2k€859▼
Return on contributions (dividend)694€2k€859▼
The notes to these accounts (8 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 1.68
Current ratio from 0.83 to 1.68.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Houthalen-Helchteren · 1 establishment unit since 2023
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.
Zestienhuizenstraat 393530 Houthalen-HelchterenGround area
761 m²
Building footprint
193 m²
Volume, LiDAR
773 m³
Parcel 72453F1141/00X003, Flanders · tallest building 10.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
S & C Bouw
since 20232.345.741.892
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72453F1141/00X003 | Flanders | 761 m² | 1 · 193 m² | 10.4 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.
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Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 12,938 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2023
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.