Equity
€100,142 ▲ 1.0%
S&D paid out €23,447 in dividends. That is 96% of the 2025 profit.
S&D
Lifetime
16 annual accounts with figures on one time axispeak €144,516 (2021)
€110,790▲ 19.2%
lowest -€7,486 (2012)
€24,432▲ 26.5%
peak €100,142 (2025)
€100,142▲ 1.0%
€367,525▲ 29.1%
peak 4.5 FTE (2018)
-not published
Board2 names since 2009
2 directorsVissers David and 1 other
Documentsfilings and deeds
17-06-202644 days before the deadline
2025micro format
Gross margin from €92,936 to €110,790Result from €19,319 to €24,432Dividend €23,447Debts from €284,751 to €367,525Investments €115,339
Key points
from the 2025 annual accountsTurnover
≈ €340,000 estimated
The micro format states no turnover.
Debts
€367,525 79% of the balance sheet
Financial debts 79%Suppliers 3%Taxes and wages 1%Other 16%
Of this, €76,985 falls due within a year.
Investments
€145,644 5.0 × depreciation
Green is investment, beige is depreciation. Machinery stands 15.3% higher than in 2024.
Liquidity
0.61 was 1.13 in 2024
Short-term debts rose from €43,909 to €76,985.
Filings
16 annual accounts since 2010
The last five annual accounts were filed 20 to 44 days before the end of the period.
Checked score
82
Excellent
Financially stronger than 46% of micro companies in food and beverage service (NACE 56)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,791 companies (NACE 56, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.7%▲ +0.1 percentage points vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.8%▲ +0.1 percentage points vs 03-2025
05-2025: 1.0%▲ +0.2 percentage points vs 04-2025
06-2025: 1.1%▲ +0.1 percentage points vs 05-2025
07-2025: 1.3%▲ +0.2 percentage points vs 06-2025
08-2025: 1.0%▼ -0.3 percentage points vs 07-2025
09-2025: 1.0%● unchanged vs 08-2025
10-2025: 1.0%● unchanged vs 09-2025
11-2025: 1.0%● unchanged vs 10-2025
12-2025: 1.0%● unchanged vs 11-2025
01-2026: 1.0%● unchanged vs 12-2025
02-2026: 1.1%▲ +0.1 percentage points vs 01-2026
03-2026: 1.1%● unchanged vs 02-2026
04-2026: 1.3%▲ +0.2 percentage points vs 03-2026
05-2026: 1.5%▲ +0.2 percentage points vs 04-2026highest value
06-2026: 0.5%▼ -1.0 percentage point vs 05-2026
07-2026: 0.4%▼ -0.1 percentage points vs 06-2026lowest value
08-2026: 0.4%● unchanged vs 07-2026lowest value
09-2026: 0.4%● unchanged vs 08-2026lowest value
10-2026: 0.4%● unchanged vs 09-2026lowest value
11-2026: 0.4%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
lowers risk
Founded in 2009
Size: total assets €467,667
Figures for financial year 2025 (filed on 17-06-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 43% of them on solvency, 57% on liquidity, 42% on profitability and 43% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 5,053 companies had the same profile as S&D has now. Each dot stands for 13 companies, two years later.
95.9%
were still trading
2.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of S&D itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,053 companies, not a prediction for S&D. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.61 (1.13 in 2024), below 1. Short-term debt is 16.5% and cash 6.6% of total assets. 78.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 17-06-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 days early
2024
20 days early
2023
34 days early
2022
25 days early
2021
37 days early
2020
43 days early
2019
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 33 days before the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
VD
Vissers David
Director, since 02-01-2009
VS
Vleugels Sabina
Director, since 02-01-2009
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0808875179
Registered office moved from Olen - Oosterwijkseweg to Westerlo - Kerkhofstraat
New registered office: 2260 Westerlo - Kerkhofstraat 54 · Previous registered office: 2250 Olen - Oosterwijkseweg 15 · Gazette deed
Environmental permit granted
Nieuwbouw van bijgebouwen en niet overdekte lage constructie, Verbouwen en/of uitbreiden met functiewijziging, maar zonder wijziging van het aantal woongelegenheden · Tessenderlo-Ham
Company renamed from BIG EXPRESS to S&D
General meeting of 05-02-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| S&D Westerlo | €467,667 | €110,790 | 21.4% | - |
| EXPRES PIZZERIA KEBAB Arendonk | €442,751 | €124,721 | 41.0% | 0.8 |
| TEKIRDAG Antwerp | €511,478 | €105,852 | 18.8% | - |
| NURJA Boom | €449,515 | €141,461 | 56.4% | - |
| Mi media naranja Lommel | €428,601 | €117,474 | 11.8% | - |
| P & Y FRITES Flobecq | €502,085 | €133,706 | 55.3% | - |
| Colette – Bistro Westerlo | €370,691 | €86,314 | -35.5% | - |
These companies have the same main activity as S&D: limited-service restaurants, excluding mobile food services (NACE 56112). They are comparable in size and age: total assets between €371,000 and €511,000, founded between 2008 and 2012.
Official details
Source: KBO- Status
- Active since 02-01-2009Normal situation
- Activity
- Limited-service restaurants, excluding mobile food servicesNACE 56112and 2 others
- Joint committee
- 302Hotels and catering · annual accounts 2025
- Establishment unit
- 2.175.544.3083980 Tessenderlo-Ham, since 02-01-2009
- Financial year end
- 31 December
- Peppol
- Reachable since 22-09-2025
Annual accounts 2025
- €467,667▲ 21.8%
- Filing
- Filed on 17-06-2026, 44 days before the end of the filing period
Insights on S&D
S&D files the micro format. That format states no turnover. The gross margin rose from €52,419 in 2010 to €110,790 in 2025.
The balance sheet grew most from 2021 to 2023 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about S&D
- What is the company number of S&D?
- The company number of S&D is 0808.875.179. The VAT number is the same number with BE in front: BE 0808.875.179.
- Where is S&D based?
- The registered office is at Kerkhofstraat 54, 2260 Westerlo.Company details
- What does S&D do?
- According to the KBO register, the main activity is limited-service restaurants, excluding mobile food services (NACE 56112).
- What is the legal form of S&D?
- S&D is a private limited company (BV).
- When was S&D founded?
- S&D was founded on 02-01-2009.
- Is S&D still active?
- Yes, S&D is an active enterprise in the KBO register.
- How many employees does S&D have?
- S&D had an average of 0.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does S&D fall under?
- In its 2025 annual accounts, S&D states joint committee 302 (Hotels and catering).
- What is the turnover of S&D?
- The turnover in financial year 2025 is ≈ €340,000. This figure is estimated from the gross margin of €110,790 and 79 comparable companies (NACE 56112). It probably lies between €250,000 and €420,000.
- Is S&D profitable?
- In financial year 2025, S&D made a profit of €24,432.
- Where can I find the annual accounts of S&D?
- S&D filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of S&D due?
- S&D must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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