S&Cie
ActiveS&Cie has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €6k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 63% of 786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+19
Solvency90▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 2.39 in 2024; short-term debt: 34% and cash: 42.5% of total assets), and 34.9% 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○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← 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
65.1%
Return on assets
14.6%
Age of the figures
9 mo
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
38 d early
2023
44 d early
2022
42 d early
2021
10 d late
2020
31 d late
2019
27 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▼ 23.4%
2024 · €35k
2018: €6k
2019: €8k
2020: €2k
2021: €24k
2022: €28k
2023: €35k
2024: €35k
2018 → 2025
Total assets
€41k▼ 18.2%
2024 · €50k
2018: €75k
2019: €70k
2020: €55k
2021: €76k
2022: €70k
2023: €60k
2024: €50k
2018 → 2025
Net result
€6k
2024 · €-128
2018: €-9k
2019: €2k
2020: €-6k
2021: €22k
2022: €4k
2023: €7k
2024: €-128
2018 → 2025
Working capital
€13k▼ 33.9%
2024 · €19k
2018: €-14k
2019: €-10k
2020: €-14k
2021: €16k
2022: €19k
2023: €24k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€28k▲ 16.8%€35k▲ 23.8%€35k▼ 0.4%€27k▼ 23.4%
Operating result€27k-€8k▼ 71.1%€11k▲ 37.0%€1k▼ 90.4%€10k▲ 859%
Net result€22k-€4k▼ 81.9%€7k▲ 65.0%€-128€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 859% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41k
Fixed assets
€14k▼ 14.5%
Current assets
€27k▼ 20.1%
Equity and liabilities €41k
Equity
€27k▼ 23.4%
Debt
€14k▼ 6.5%
The debt ratio rises from 30.5% to 34.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€12k▲
2024 · €4k
Cash flow
€8k▲
2024 · €3k
Solvency
65.1%▼
2024 · 69.5%
Current ratio
1.93▼
2024 · 2.39
Quick ratio
1.93▼
2024 · 2.39
Debt / equity
0.54▲
2024 · 0.44
ROE
22.4%▲
2024 · -0.4%
ROA
14.6%▲
2024 · -0.3%
Interest coverage
29.32▲
2024 · 20.88
Debt
€14k▼
2024 · €15k
Debt ≤ 1 year
€14k▼
2024 · €14k
Debt > 1 year
€0▼
2024 · €880
Income taxes
€3k▲
2024 · €978
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€50k€41k▼
Fixed assets21/28€17k€14k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€14k€12k▼
Furniture and vehicles24€741€203▼
Other tangible fixed assets26€13k€12k▼
Current assets29/58€34k€27k▼
Amounts receivable within one year40/41€2k€8k▲
Trade receivables40€0€8k▲
Other amounts receivable41€2k€0▼
Cash at bank and in hand54/58€24k€17k▼
Deferred charges and accrued income490/1€8k€1k▼
Equity and liabilities
Total equity and liabilities10/49€50k€41k▼
Equity10/15€35k€27k▼
Contributions10/11€7k€7k=
Reserves13€28k€20k▼
Distributable reserves133€28k€20k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€15k€14k▼
Amounts payable after more than one year17€880€0▼
Financial debts170/4€880€0▼
Amounts payable within one year42/48€14k€14k▼
Current portion of amounts payable after more than one year42€3k€880▼
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€3k€8k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€521€1k▲
Accrued charges and deferred income492/3€370€370=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€784€763▼
Gross operating margin9900€4k€13k▲
Operating profit (loss)9901€1k€10k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€176€417▲
Recurring financial charges65€176€417▲
Profit (loss) for the period before taxes9903€850€9k▲
Income taxes67/77€978€3k▲
Profit (loss) for the period9904€-128€6k▲
Profit (loss) for the period to be appropriated9905€-128€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-128€6k▲
Transfer from equity791/2€128€14k▲
Transfer to equity691/2€0€6k▲
To other reserves6921€0€6k▲
Profit to be distributed694/7-€14k
Return on contributions (dividend)694-€14k
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
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, Sint-Pieters-Leeuw · 1 establishment unit since 2009
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.
Vlezenbeeklaan 11600 Sint-Pieters-LeeuwGround area
1,085 m²
Building footprint
178 m²
Volume, LiDAR
967 m³
Parcel 23583K0150/00S000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S&Cie
since 20092.179.866.152
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23583K0150/00S000 | Flanders | 1,085 m² | 1 · 178 m² | 9.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,809 EUR awarded · 2,809 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,187 EUR | 1,187 EUR |
| 2024 | 1 | 137 EUR | 137 EUR |
| 2023 | 1 | 0 EUR | 1,485 EUR |
| 2022 | 1 | 1,485 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 941 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-2009
Fiscal year end31-12
Activities, NACEBEL
78100Employment placement agencies
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.