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S&E TECH

Active
Vlotstraat 53 ·9000 Gent, Belgium
KBO/BCE: BE 1004.417.281
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Belgian State Gazette acts: 0 of 1 read
Age2 yrs
Real estate1 parcel · 63 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of S&E TECH is 1.8% (moderate). The 2024 annual accounts show equity of €27k and a net result of €24k. Its solvency ranks better than 89% of 559 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 89% of 559 peers (2024). A comfortable equity buffer.
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-09-2025, 59 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 28-09-2025 59 d late 2025-00530446

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€24k
Working capital€14k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 28-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 42 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 75.1% 44.5%
better than 89% of 559 sector peers
Net result €24k €14k
better than 65% of 556 sector peers
Equity €27k €34k
better than 43% of 559 sector peers
Gross operating margin €36k €43k
better than 44% of 553 sector peers
Total assets €37k €89k
better than 21% of 559 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€35k
Net profit€24k
Cash flow€29k
Staff costs-
Income taxes€7k
Dividends€833
Total assets€37k
Equity€27k
Debt€9k
of which ≤ 1y€9k
of which > 1y-
Working capital€14k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.59
Quick ratio2.59
Working capital ratio39.5%
Solvency75.1%
Debt / equity0.33
Long-term debt ratio-
Interest coverage2636.12
Gross margin-
Net margin-
ROA66.5%
ROE88.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€37k
Fixed assets 21/28€13k
Tangible fixed assets 22/27€13k
Current assets 29/58€24k
Amounts receivable within one year 40/41€6k
Cash & bank 54/58€7k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€37k
Equity 10/15€27k
Contributions / capital 10/11€4k
Accumulated profits (losses) 14€23k
Amounts payable 17/49€9k
Amounts payable within one year 42/48€9k
Trade debts payable within one year 44€1k
Income statement
Gross operating margin 9900€36k
Operating result 9901€31k
Financial income 75€208
Financial charges 65€13
Result before taxes 9903€31k
Income taxes 67/77€7k
Net result for the period 9904€24k
Result to be appropriated 9905€24k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
93 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap

Establishment units

1 location
S&E TECH
Vlotstraat 53, 9000 GentAlgemene bouw van residentiële gebouwen
since 20242.354.091.515
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area63 m²
Buildings1
Building footprint65 m²
Volume (LiDAR)424 m³
Tallest building11.4 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44810K0058/02L000 Flanders 63 m² 1 · 65 m² 11.4 m · 3 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

4 of 5 axes measured
Health93Profitability100Solvency100Growth-Stability67
90 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 93
Profitability 100
Solvency 100
Growth -
Stability 67

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 391 of the 1,811 companies in this sector. 335 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Bouw van civieltechnische werken voor elektriciteit en telecommunicatie42220Algemene bouw van residentiële gebouwen41001Bouw van autowegen en andere wegen42110Bouw van water- en gasdistributienetten42211Bouw van rioleringen42212Bouw van andere civieltechnische werken, neg42990
Primary activity highlighted.
Names & trade names
Legal nameNL S&E TECH
Registered office
Vlotstraat 53
9000 Gent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.