S&O Technics
ActiveThe computed 12-month bankruptcy probability of S&O Technics is 2.1% (moderate). The 2025 annual accounts show equity of €211k and a net result of €69k. Equity is growing by ~50.8% per year across the filed fiscal years. Its solvency ranks better than 69% of 27319 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+7
Growth78=
Stability94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 2.82 against 1.87 in 2024), and 35.3% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
64.7%
Return on assets
21.2%
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 25-08-2026, 25 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 · 3 filingsDeviation from the deadline
2025
25 d late
2024
139 d late
2023
29 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€211k▲ 48.6%
2024 · €142k
2023: €67k
2024: €142k
2023 → 2025
Total assets
€326k▲ 17.6%
2024 · €277k
2023: €146k
2024: €277k
2023 → 2025
Net result
€69k▼ 8.3%
2024 · €75k
2023: €63k
2024: €75k
2023 → 2025
Working capital
€206k▲ 80.7%
2024 · €114k
2023: €37k
2024: €114k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€67k-€142k▲ 113%€211k▲ 48.6%
Operating result€82k-€109k▲ 32.2%€101k▼ 7.7%
Net result€63k-€75k▲ 20.0%€69k▼ 8.3%
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 €326k
Fixed assets
€6k▼ 80.0%
Current assets
€319k▲ 30.3%
Equity and liabilities €326k
Equity
€211k▲ 48.6%
Debt
€115k▼ 15.0%
The debt ratio falls from 48.8% to 35.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€111k▼
2024 · €128k
Cash flow
€79k▼
2024 · €95k
Solvency
64.7%▲
2024 · 51.2%
Current ratio
2.82▲
2024 · 1.87
Quick ratio
2.82▲
2024 · 1.87
Debt / equity
0.55▼
2024 · 0.95
ROE
32.7%▼
2024 · 53.0%
ROA
21.2%▼
2024 · 27.1%
Interest coverage
14.53▼
2024 · 14.73
Debt
€115k▼
2024 · €135k
Debt ≤ 1 year
€113k▼
2024 · €131k
Income taxes
€35k▲
2024 · €35k
Staff costs
€3k
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€277k€326k▲
Fixed assets21/28€32k€6k▼
Tangible fixed assets22/27€30k€4k▼
Plant, machinery and equipment23€1k€572▼
Furniture and vehicles24€29k€4k▼
Financial fixed assets28€2k€2k=
Current assets29/58€245k€319k▲
Amounts receivable within one year40/41€226k€317k▲
Trade receivables40€53k€88k▲
Other amounts receivable41€172k€230k▲
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€16k-
Equity and liabilities
Total equity and liabilities10/49€277k€326k▲
Equity10/15€142k€211k▲
Contributions10/11€4k€4k=
Reserves13€120k€185k▲
Distributable reserves133€120k€185k▲
Profit (loss) carried forward14€18k€22k▲
Amounts payable17/49€135k€115k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€131k€113k▼
Current portion of amounts payable after more than one year42€18k€5k▼
Trade debts44€50k€44k▼
Suppliers440/4€50k€44k▼
Taxes, remuneration and social security45€62k€64k▲
Taxes450/3€62k€63k▲
Remuneration and social security454/9-€160
Accrued charges and deferred income492/3€36€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€10k▼
Other operating charges640/8€8k€9k▲
Gross operating margin9900€136k€123k▼
Operating profit (loss)9901€109k€101k▼
Financial income75/76B€10k€12k▲
Recurring financial income75€10k€12k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€110k€104k▼
Income taxes67/77€35k€35k▲
Profit (loss) for the period9904€75k€69k▼
Profit (loss) for the period to be appropriated9905€75k€69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€87k▼
Profit (loss) brought forward from the previous period14P€13k€18k▲
Transfer to equity691/2€70k€65k▼
To other reserves6921€70k€65k▼
The notes to these accounts (7 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Equity above €200kEq €211k ▲48.6%
3 profitable years in a row build equity to €211k.
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 139 days late
2024
31-12
Financial
Highest result since 2023net €75k ▲20%
Operating result €109k, net result €75k, both a record.
31-12
Financial
Equity above €100kEq €142k ▲113%
2 profitable years in a row build equity to €142k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Heusden-Zolder · 1 establishment unit since 2022
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.
Waterleidingstraat 73550 Heusden-ZolderGround area
274 m²
Building footprint
133 m²
Volume, LiDAR
565 m³
Parcel 71502B0050/00E003, Flanders · tallest building 9.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
S&O Technics
since 20222.338.679.995
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71502B0050/00E003 | Flanders | 274 m² | 1 · 133 m² | 9.5 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 22,731 companies in sector 43211 we hold annual accounts for 10,271. 8,151 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2022
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43212Electrical installation work in industrial facilities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.