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Complete company report
Generated 02-09-2026
Active BE 0712.601.689Private limited company

S&S Construct

Oosthamsesteenweg 92 ·2491 Balen, Belgium· 7 yrs active
Sector: Algemene bouw van kantoorgebouwen (41002)
Conclusion Checked

The computed 12-month bankruptcy probability of S&S Construct is 1.9% (moderate). The 2025 annual accounts show equity of €95k and a net result of €40k. The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €95k
Net result €40k
Active 7 yrs
Locations 1
Financial profile 4 of 5 axes measured · computed by Checked
Health86Profitability100Solvency95Growth-Stability85
92 / 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 86
Profitability 100
Solvency 95
Growth -
Stability 85
Bankruptcy probability (12 mo) Checked model v1 · free
1.9% 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 rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2018, 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 Flags0 events
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 FY 2025 · computed
86 / 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 2025. Indicative, not credit advice.
Financial overview5 NBB filings
Annual accounts filed on 27-05-2026 with the NBB · fiscal year 2025 · micro
Fiscal year2025
Depositmicro
Revenue-
EBITDA€68k
Net profit€40k
Cash flow€55k
Staff costs-
Income taxes€11k
Dividends€45k
Total assets€191k
Equity€95k
Debt€96k
of which ≤ 1y€68k
of which > 1y€28k
Working capital€79k
Employees (FTE)-
Ratios (computed)
2025
Current ratio2.16
Quick ratio1.93
Working capital ratio41.1%
Solvency49.7%
Debt / equity1.01
Long-term debt ratio0.30
Interest coverage13.01
Gross margin-
Net margin-
ROA21.1%
ROE42.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€191k
Fixed assets 21/28€45k
Tangible fixed assets 22/27€40k
Financial fixed assets 28€5k
Current assets 29/58€146k
Stocks & contracts in progress 3€15k
Amounts receivable within one year 40/41€69k
Cash & bank 54/58€16k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€191k
Equity 10/15€95k
Contributions / capital 10/11€1k
Reserves 13€94k
Amounts payable 17/49€96k
Amounts payable after one year 17€28k
Amounts payable within one year 42/48€68k
Trade debts payable within one year 44€8k
Income statement
Gross operating margin 9900€72k
Operating result 9901€53k
Financial income 75€3k
Financial charges 65€5k
Result before taxes 9903€51k
Income taxes 67/77€11k
Net result for the period 9904€40k
Result to be appropriated 9905€40k
Ratios computed by Checked.
Legal Structure
NACE primary Algemene bouw van kantoorgebouwen(41002)
Legal form Private limited company(610)
Incorporation26-10-2018
StatusActive
Postal code2491
Establishment units 1 location
S&S Construct
Steenweg Op Leopoldsburg 28, 2490 BalenVervaardiging van hangsloten, grendelsloten en andere sloten, sleutels en ander hang- en sluitwerk voor gebouwen, meubels, voertuigen, enz
since 20182.281.258.272
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13030D0109/00H000 Flanders 989 m² 1 · 183 m² 5.8 m · 1 fl.
13342C0771/00C000 Flanders 120 m² 1 · 120 m² 9.4 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
04-08-2026
State Gazette act Registered office
General meeting · Registered-office move
27-05-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
29-04-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
28-04-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
27-04-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
30-04-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
Belgian State Gazette reading coverage 1 of 3 acts read

Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
Address history · 1
04-08-2026
Seat change: to: Oosthamsesteenweg 92, 2491 Olmen, from: Langven bus 1, 3945 Ham, effective_date: 2026-06-01
All acts · 1 updated 29 days ago
2026
04-08-2026 General meeting · Seat change Open-capture extraction
  • Publication: 04/08/2026 · S&S Construct
  • Filing: 27/07/2026 · S&S Construct
  • General meeting: 01/06/2026 · S&S Construct
  • Seat change: to: Oosthamsesteenweg 92, 2491 Olmen, from: Langven bus 1, 3945 Ham, effective_date: 2026-06-01 · S&S Construct
Summary: General meeting · Seat change
Technical details 
{
  "facts": [
    {
      "date": "2026-08-04",
      "type": "publication",
      "quote": "Bijlagen bij het Belgisch Staatsblad - 04/08/2026",
      "value": "04/08/2026",
      "object": null,
      "subject": "e1"
    },
    {
      "date": "2026-07-27",
      "type": "filing",
      "quote": "neergelegd ter griffle 27 JULI 2026",
      "value": "27/07/2026",
      "object": null,
      "subject": "e1"
    },
    {
      "date": "2026-06-01",
      "type": "general_meeting",
      "quote": "Bij beraadslaging dd. 01/06/2026 heeft de bijzondere algemene vergadering",
      "value": "01/06/2026",
      "object": null,
      "subject": "e1"
    },
    {
      "date": "2026-06-01",
      "type": "seat_change",
      "quote": "De vergadering beslist dat de zetel van de vennootschap zal worden verplaatst van Langven bus 1, 3945 Ham naar Oosthamsesteenweg 92, 2491 Olmen, en dit vanaf 01/06/2026.",
      "value": {
        "to": "Oosthamsesteenweg 92, 2491 Olmen",
        "from": "Langven bus 1, 3945 Ham",
        "effective_date": "2026-06-01"
      },
      "object": null,
      "subject": "e1",
      "_value_raw": {
        "to": "Oosthamsesteenweg 92, 2491 Olmen",
        "from": "Langven bus 1, 3945 Ham",
        "effective_date": "01/06/2026"
      }
    }
  ],
  "act_meta": {
    "outcome": "clean",
    "model_id": 50,
    "verified": true,
    "extractor": "verified-v1",
    "ocr_chars": 1201,
    "truncated": false
  },
  "entities": [
    {
      "id": "e1",
      "kbo": "0712.601.689",
      "kind": "company",
      "name": "S\u0026S Construct",
      "attrs": {
        "seat": "Langven 4 bus 1, 3945 Ham",
        "legal_form": "Besloten vennootschap (BV)"
      }
    },
    {
      "id": "e2",
      "kbo": null,
      "kind": "person",
      "name": "Sven Schraeyen",
      "attrs": {}
    }
  ]
}
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.
Company registry (CBE) Crossroads Bank
Activities
Algemene bouw van kantoorgebouwen41002Glaszetten43343
Primary activity highlighted.
Names & trade names
Legal nameNL S&S Construct
Registered office
Oosthamsesteenweg 92
2491 Balen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative