S&S Autostad
ActiveS&S Autostad has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €182k and a net result of €21k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 72% of 26055 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
83
/ 100
Excellent▼ -13 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability58▼-12
Solvency98▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.06 against 1.95 in 2023), and 41.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
1 d early
2022
31 d late
2021
31 d late
2020
184 d late
2019
133 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€182k▲ 13.2%
2023 · €160k
2018: €-20k
2019: €47k
2020: €130k
2021: €146k
2022: €138k
2023: €160k
2018 → 2024
Total assets
€310k▼ 0.2%
2023 · €311k
2018: €169k
2019: €280k
2020: €389k
2021: €325k
2022: €333k
2023: €311k
2018 → 2024
Net result
€21k▼ 5.6%
2023 · €22k
2018: €-7k
2019: €67k
2020: €83k
2021: €16k
2022: €-8k
2023: €22k
2018 → 2024
Working capital
€136k▼ 4.2%
2023 · €142k
2018: €-30k
2019: €40k
2020: €123k
2021: €111k
2022: €111k
2023: €142k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€130k-€146k▲ 12.4%€138k▼ 5.8%€160k▲ 16.3%€182k▲ 13.2%
Operating result€111k-€23k▼ 78.9%€-8k€29k€29k▼ 0.1%
Net result€83k-€16k▼ 80.6%€-8k€22k€21k▼ 5.6%
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 2024; 2024 is 0% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €310k
Fixed assets
€45k▲ 151%
Current assets
€265k▼ 9.5%
Equity and liabilities €310k
Equity
€182k▲ 13.2%
Debt
€129k▼ 14.5%
The debt ratio falls from 48.4% to 41.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€38k▼
2023 · €38k
Cash flow
€30k▼
2023 · €31k
Solvency
58.5%▲
2023 · 51.6%
Current ratio
2.06▲
2023 · 1.95
Quick ratio
0.47▼
2023 · 0.74
Debt / equity
0.71▼
2023 · 0.94
ROE
11.7%▼
2023 · 14.0%
ROA
6.8%▼
2023 · 7.2%
Interest coverage
20.84▼
2023 · 47.19
Debt
€129k▼
2023 · €150k
Debt ≤ 1 year
€129k▼
2023 · €150k
Income taxes
€6k▲
2023 · €6k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€311k€310k▼
Fixed assets21/28€18k€45k▲
Tangible fixed assets22/27€15k€44k▲
Plant, machinery and equipment23€306€3k▲
Furniture and vehicles24€14k€7k▼
Other tangible fixed assets26€830€34k▲
Financial fixed assets28€3k€1k▼
Current assets29/58€293k€265k▼
Stocks and contracts in progress3€181k€204k▲
Stocks30/36€181k€204k▲
Amounts receivable within one year40/41€11k€6k▼
Trade receivables40€1k€696▼
Other amounts receivable41€10k€5k▼
Cash at bank and in hand54/58€100k€53k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€311k€310k▼
Equity10/15€160k€182k▲
Contributions10/11€19k€19k=
Reserves13€142k€163k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€140k€161k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€150k€129k▼
Amounts payable within one year42/48€150k€129k▼
Financial debts43-€413
Credit institutions430/8-€413
Trade debts44€32k€7k▼
Suppliers440/4€32k€7k▼
Taxes, remuneration and social security45€17k€8k▼
Taxes450/3€10k€0▼
Remuneration and social security454/9€6k€8k▲
Other amounts payable47/48€101k€113k▲
Income statement
Code20232024
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€2k€2k=
Gross operating margin9900€39k€39k▼
Operating profit (loss)9901€29k€29k▼
Financial income75/76B€43€62▲
Recurring financial income75€43€62▲
Financial charges65/66B€803€2k▲
Recurring financial charges65€803€2k▲
Profit (loss) for the period before taxes9903€28k€27k▼
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€22k€21k▼
Profit (loss) for the period to be appropriated9905€22k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€21k▲
Profit (loss) brought forward from the previous period14P€-8k€0▲
Transfer to equity691/2€14k€21k▲
To other reserves6921€14k€21k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Equity above €150kEq €160k ▲16.3%
Equity rises from €138k to €160k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-8k ▼152%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 184 days late
2020
31-12
Financial
Highest result since 2018net €83k ▲24.8%
Operating result €111k, net result €83k, both a record.
31-12
Financial
Equity above €100kEq €130k ▲178%
2 profitable years in a row build equity to €130k.
11-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 133 days late
2019
31-12
Financial
Back to profitnet €67k
Net result €67k after one loss-making year.
17-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 78 days late
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
25-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Waasmunster · 1 establishment unit since 2014
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.
Grote Baan 319250 WaasmunsterGround area
1,552 m²
Building footprint
186 m²
Volume, LiDAR
1,184 m³
Parcel 42023A0474/00E003, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Autohandel Reinaert
since 20142.238.618.656
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42023A0474/00E003indicative | Flanders | 1,552 m² | 1 · 186 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Garage Devillers
BE 0420.195.585
Flémalle · Eq €182k
AUTOHANDEL EN GARAGE VAN BULCK ERIC
BE 0886.158.841
Lier · Eq €181k
TRUST BIKE
BE 0452.228.450
Braine-l'Alleud · Eq €181k
DVP Trucks
BE 0758.403.012
Wommelgem · Eq €181k
MECABO
BE 0463.251.214
Manhay · Eq €181k
Of 10,621 companies in sector 47811 we hold annual accounts for 5,192. 3,714 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2014
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.