Checked.be
Active
BE 0776.937.732Private limited company
S&S
Antwerpsesteenweg 570 ·9000 Gent, Belgium· 4 yrs active
Sector: Algemene bouw van residentiële gebouwen
(41001)
Conclusion
The computed 12-month bankruptcy probability of S&S is 2.3% (moderate). The 2024 annual accounts show equity of €41k and a net result of €22k. Equity is growing by ~93.7% per year across the filed fiscal years. Its solvency ranks better than 69% of 3827 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €41k |
| Net result | €22k |
| Better than sector | 69% |
| Active | 4 yrs |
Snowflake analysis
87
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
61
Solvency
95
Growth
85
Stability
94
Bankruptcy probability (12 mo)
2.3%
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?
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
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.
Health barometer
100
/ 100
Excellent
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 26-06-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~93.7%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 55.8% | 39.4% | |
| Net result | €22k | €9k | |
| Equity | €41k | €29k | |
| Gross operating margin | €45k | €26k | |
| Staff costs | €14k | €16k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€429k
+299.5%
22-24
€29k
+315.8%
22-24
€22k
+357.0%
22-24
€23k
+341.0%
22-24
€73k
+77.9%
22-24
€41k
+127.2%
22-24
€29k
+184.3%
22-24
€14k
-65.7%
22-24
€6k
+252.7%
22-24
€32k
+39.6%
22-24
€32k
+39.6%
22-24
1.90
+31.7%
22-24
1.27
+7.2%
22-24
55.8%
+27.7%
22-24
0.79
-38.5%
22-24
53.5%
+101.2%
22-24
29.9%
+156.9%
22-24
5.1%
+14.4%
22-24
6.7%
+4.1%
22-24
67.33
-16.4%
22-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | €429k |
| EBITDA | €29k |
| Net profit | €22k |
| Cash flow | €23k |
| Staff costs | €14k |
| Income taxes | €6k |
| Dividends | - |
| Total assets | €73k |
| Equity | €41k |
| Debt | €32k |
| of which ≤ 1y | €32k |
| of which > 1y | - |
| Working capital | €29k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.90 |
| Quick ratio | 1.27 |
| Working capital ratio | 39.7% |
| Solvency | 55.8% |
| Debt / equity | 0.79 |
| Long-term debt ratio | - |
| Interest coverage | 67.33 |
| Gross margin | 10.5% |
| Net margin | 5.1% |
| ROA | 29.9% |
| ROE | 53.5% |
| EBITDA margin | 6.7% |
| Days sales outstanding | 31d |
| Days payable outstanding | 2d |
| Inventory turnover | 18.88 |
| Days inventory (DSI) | 19d |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €73k |
| Fixed assets | 21/28 | €12k |
| Tangible fixed assets | 22/27 | €9k |
| Financial fixed assets | 28 | €3k |
| Current assets | 29/58 | €61k |
| Stocks & contracts in progress | 3 | €20k |
| Amounts receivable within one year | 40/41 | €39k |
| Cash & bank | 54/58 | €2k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €73k |
| Equity | 10/15 | €41k |
| Contributions / capital | 10/11 | €7k |
| Accumulated profits (losses) | 14 | €34k |
| Amounts payable | 17/49 | €32k |
| Amounts payable within one year | 42/48 | €32k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Turnover | 70 | €429k |
| Gross operating margin | 9900 | €45k |
| Operating result | 9901 | €27k |
| Financial income | 75 | €399 |
| Financial charges | 65 | €428 |
| Result before taxes | 9903 | €27k |
| Income taxes | 67/77 | €6k |
| Net result for the period | 9904 | €22k |
| Result to be appropriated | 9905 | €22k |
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Directors & mandates
Current directors & mandates
-
DIMCHEVA DianaDirectorState Gazette act 25068686 (30-05-2025)Current30-05-2025 → present
Former directors (1)
-
NAZAROVA SilviaDirectorState Gazette act 25105243 (19-08-2025)Former- → 19-08-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
| NACE primary | Algemene bouw van residentiële gebouwen(41001) |
| Legal form | Private limited company(610) |
| Incorporation | 08-11-2021 |
| Status | Active |
| Postal code | 9000 |
Establishment units
S&S
since 20212.324.404.862
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
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. |
|---|---|---|---|---|
| 44807G0887/03B000indicative | Flanders | 267 m² | 1 · 100 m² | 10.7 m · 3 fl. |
Methodology
via registered seat: 1
0 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
19-08-2025
State Gazette act
Director changes
26-06-2025
NBB filing
Annual accounts filed
30-05-2025
State Gazette act
Director changes
2024
24-06-2024
NBB filing
Annual accounts filed
2023
28-07-2023
NBB filing
Annual accounts filed
Belgisch Staatsblad, acts
All acts · 2
updated 11 months ago
2025
19-08-2025 NAZAROVA Silvia resigns as director
- NAZAROVA Silvia, Bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "NAZAROVA Silvia",
"address": null,
"birth_date": null
}
}
],
"schema": "v3.2",
"act_meta": {
"extractor": "qwen3-30b-a3b"
},
"subject_company": {
"kbo": "0776.937.732",
"name_full": "S\u0026S"
}
}30-05-2025 DIMCHEVA Diana appointed as director
- DIMCHEVA Diana, Bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "DIMCHEVA Diana",
"address": null,
"birth_date": null
}
}
],
"schema": "v3.2",
"act_meta": {
"extractor": "qwen3-30b-a3b"
},
"subject_company": {
"kbo": "0776.937.732",
"name_full": "S\u0026S"
}
}Credit advice
AI due-diligence brief
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE)
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Overige reiniging van gebouwen; industriële reiniging81220Overige reiniging van gebouwen; industriële reiniging81220Groothandel in auto's en lichte bestelwagens (= 3,5 ton)45111Niet-gespecialiseerde groothandel in niet-diepgevroren voedingsmiddelen, dranken en genotmiddelen46392Niet-gespecialiseerde groothandel in niet-diepgevroren voedingsmiddelen, dranken en genotmiddelen46392Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)46711Groothandel in overige bouwmaterialen46739Groothandel in overige bouwmaterialen46839Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige reiniging van gebouwen; industriële reiniging81220Overige reiniging van gebouwen; industriële reiniging81220
Primary activity highlighted.
Names & trade names
| Legal nameNL | S&S |
Registered office
Antwerpsesteenweg 570
9000 Gent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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