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S & K TRADE

Active
Private limited companyfounded 2002active for 24 yearsDwarsstraat 25, 8531 Harelbeke, BelgiumKBO/BCE: BE 0476.468.255
Summary

S & K TRADE has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135,539 and a net result of -€721. Equity remains stable across the filed financial years (±1.5% per year). Its solvency ranks better than 41% of 16,849 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Activity
Buying and selling of own real estate
NACE 68110
1 site
Size
€702,465total assets 2025
Equity
€135,539
Loss
-€721
Turnover not published (micro format)
Financial health
83 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Structure
Accounts 5 days early0 of 4 deeds read
Why 83raises riskLiquidity: current ratio 0.00, cash €755Loss of €721, the second in a row (financial year 2025)lowers riskSize: total assets €702,465Founded in 2002Show the evidence

Checked score

Score 2025
83 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 36% of its sector peers (NACE 68, micro)
Financial strength · tick = 2024
Weak
Solvency 44=
equity 19.3% of total assets
Liquidity 6=
short-term debt 80.7% · cash 0.1%
Profitability 69+2
return on assets -0.1%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,549 companies, NACE 68, micro)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.7%▲ +0.2 percentage points vs 12-2024highest value 02-2025: 0.3%▼ -0.4 percentage points vs 01-2025lowest value 03-2025: 0.3%● unchanged vs 02-2025lowest value 04-2025: 0.3%● unchanged vs 03-2025lowest value 05-2025: 0.3%● unchanged vs 04-2025lowest value 06-2025: 0.3%● unchanged vs 05-2025lowest value 07-2025: 0.3%● unchanged vs 06-2025lowest value 08-2025: 0.3%● unchanged vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.4%▲ +0.1 percentage points vs 12-2025 02-2026: 0.3%▼ -0.1 percentage points vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.3%● unchanged vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.4%▲ +0.1 percentage points vs 09-2026
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.0, compared with 0.0 in 2024; short-term debt: 80.7% and cash: 0.1% of total assets), and 80.7% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 68, micro): better than 39% on solvency, 8% on liquidity, 56% on profitability and 43% on growth.

The bankruptcy probability was computed on 08-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 0.00, cash €755
NBB · annual accounts
lowers risk · Size: total assets €702,465
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Loss of €721, the second in a row (financial year 2025)
NBB · annual accounts
lowers risk · Founded in 2002
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€721
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
5 days early
2024
1 day early
2023
7 days early
2022
5 days early
2021
3 days early
2020
39 days early
2019
4 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 9 days before the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 26 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end09-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Risk: 3 loss-making years in a rowloss financial year 2025 -€721 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Total assets 20256 financial years filed €702,465 View

By topic

Financials

Financial year
2025
Total assets
€702,465
Loss
-€721
Solvency
19.3%
Total assets▼ 3.4%
Net result
20192025
Go to Financials

Timeline

Events
26
Since
2004
Next accounts
by 31-01-2027
  1. 26-01-2023Annual accounts filed
  2. 30-06-2022Back to profit
  3. 30-06-2022Equity above €100,000
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Buying and selling of own real estateNACE 68110
Founded
14-01-2002
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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