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S&S SERVICES

Active
Private limited companyfounded 20242 yrs activeLange Eikstraat 46, 1970 Wezembeek-Oppem, BelgiumKBO/BCE: BE 1012.227.959
Summary

The computed 12-month bankruptcy probability of S&S SERVICES is 2.6% (moderate). The 2025 annual accounts show equity of €149 and a net result of €3,016. Its solvency ranks better than 13% of 7625 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability88▲+88
Solvency26▲+26
Growth78
Track record82
Bankruptcy probability, 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.84 against 0.24 in 2024; short-term debt: 99% of total assets), and 99% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 7625 sector peers (2025).
NBB · sector comparison
Position among 7625 sector peers
Solvency
better than 13%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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 · 2 filings
Deviation from the deadline
2025
13 d late
2024
49 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 31 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 5 August 2024, S&S SERVICES was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€149
2024 · -€2,867
Total assets
€14,827▲ 99.5%
2024 · €7,433
Net result
€3,016
2024 · -€7,867
Working capital
-€2,326▲ 70.2%
2024 · -€7,798
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result-€7,850-€3,065
Net result-€7,867below the sector's middle half-€3,016within the sector's middle half
Equity-€2,867below the sector's middle half-€149below the sector's middle half
Total assets€7,433below the sector's middle half-€14,827below the sector's middle half▲ 99.5%
Debt€10,300-€14,678▲ 42.5%
Working capital-€7,798below the sector's middle half--€2,326below the sector's middle half▲ 70.2%
Solvency-38.6%below the sector's middle half-1.0%below the sector's middle half▲ 39.6pp
Current ratio0.24below the sector's middle half-0.84below the sector's middle half▲ 0.60
Return on assets (ROA)-105.8%below the sector's middle half-20.3%above the sector's middle half▲ 126.2pp
above within below the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000-€5,000€0€5,000Operating result 2024: -€7,850-€7,850Net result 2024: -€7,867-€7,867Operating result 2025: €3,065€3,065Net result 2025: €3,016€3,01620242025-€10,000-€5,000€0€5,000Operating result 2024: -€7,850-€7,850Net result 2024: -€7,867-€7,870Operating result 2025: €3,065€3,060Net result 2025: €3,016€3,02020242025
The operating result returns to profit in 2025: €3,065 after a loss of €7,850 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14,827
Fixed assets €2,475 ▼ 49.8%
Current assets €12,352 ▲ 394%
Equity and liabilities €14,827
Equity €149
Debt €14,678
Debt finances 99.0% of the balance-sheet total.
Key figures and ratios
2025 value · change against 2024
Debt ≤ 1 year
€14,678▲
2024 · €10,300
Equity ratios withheld: equity of €149 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,157 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more
3.0% went bankrupt
2.8% stopped otherwise
94% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,157 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet Code20242025
Assets
Total assets20/58€7,433€14,827▲
Fixed assets21/28€4,931€2,475▼
Tangible fixed assets22/27€2,456-
Plant, machinery and equipment23€2,456-
Financial fixed assets28€2,475€2,475=
Current assets29/58€2,502€12,352▲
Amounts receivable within one year40/41-€12,352
Trade receivables40-€10,968
Other amounts receivable41-€1,385
Cash at bank and in hand54/58€2,502-
Equity and liabilities
Total equity and liabilities10/49€7,433€14,827▲
Equity10/15-€2,867€149▲
Contributions10/11€5,000€5,000=
Profit (loss) carried forward14-€7,867-€4,851▲
Amounts payable17/49€10,300€14,678▲
Amounts payable within one year42/48€10,300€14,678▲
Trade debts44€3,860€425▼
Suppliers440/4€3,860€425▼
Other amounts payable47/48€6,440€14,253▲
Income statement Code20242025
Non-recurring operating income76A-€1,744
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€144-
Other operating charges640/8€50-
Gross operating margin9900-€7,656€3,065▲
Operating profit (loss)9901-€7,850€3,065▲
Financial charges65/66B€17€49▲
Recurring financial charges65€17€49▲
Profit (loss) for the period before taxes9903-€7,867€3,016▲
Profit (loss) for the period9904-€7,867€3,016▲
Profit (loss) for the period to be appropriated9905-€7,867€3,016▲
Appropriation of the result
Profit (loss) to be appropriated9906-€7,867-€4,851▲
Profit (loss) brought forward from the previous period14P--€7,867

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Non-recurring operating income76A-€1,744-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€144--
Other operating charges640/8€50--
Gross operating margin9900-€7,656€3,065▲ 140%
Operating profit (loss)9901-€7,850€3,065▲ 139%
Financial charges65/66B€17€49▲ 189%
Recurring financial charges65€17€49▲ 189%
Profit (loss) for the period before taxes9903-€7,867€3,016▲ 138%
Profit (loss) for the period9904-€7,867€3,016▲ 138%
Profit (loss) for the period to be appropriated9905-€7,867€3,016▲ 138%
Line20242025Change
Assets
Total assets20/58€7,433€14,827▲ 99.5%
Fixed assets21/28€4,931€2,475▼ 49.8%
Tangible fixed assets22/27€2,456--
Plant, machinery and equipment23€2,456--
Financial fixed assets28€2,475€2,475=
Current assets29/58€2,502€12,352▲ 394%
Amounts receivable within one year40/41-€12,352-
Trade receivables40-€10,968-
Other amounts receivable41-€1,385-
Cash at bank and in hand54/58€2,502--
Equity and liabilities
Total equity and liabilities10/49€7,433€14,827▲ 99.5%
Equity10/15-€2,867€149▲ 105%
Contributions10/11€5,000€5,000=
Profit (loss) carried forward14-€7,867-€4,851▲ 38.3%
Amounts payable17/49€10,300€14,678▲ 42.5%
Amounts payable within one year42/48€10,300€14,678▲ 42.5%
Trade debts44€3,860€425▼ 89.0%
Suppliers440/4€3,860€425▼ 89.0%
Other amounts payable47/48€6,440€14,253▲ 121%
Line20242025Change
Profit (loss) for the period9904-€7,867€3,016▲ 138%
+ Depreciation and write-downs630€144--
Operating cash flow (approximation)-€7,723€3,016▲ 139%
Investment in fixed assets (approximation)-€2,456-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
13-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
31-12
Financial Back to profitnet €3,016
Net result €3,016 after one loss-making year.
18-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
2 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, Wezembeek-Oppem · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
972 m²
Building footprint
376 m²
Volume, LiDAR
2,867 m³
2 parcels, Flanders, Wallonia · tallest building 14.8 m, ±3 floors. Linked by address, not a title deed.
602 companies at this address See who is registered here
1 establishment unit
S&S SERVICES
Chaussée d'Ecaussinnes 51, 7090 Braine-le-ComtePlumbing work
since 20252.377.446.838
2 parcels
Flanders 1 (50%) Wallonia 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
22006A0114/00P000 Flanders 520 m² 1 · 325 m² 14.8 m · 3 fl.
55004E0222/00V002 Wallonia 452 m² 1 · 51 m² -
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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

Of 29,786 companies in sector 41001 we hold annual accounts for 16,061. 294 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded05-08-2024
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
43320Joinery installation
43331Floor and wall tiling
E-invoicing
Reachable via Peppol
Peppol ID 0208:1012227959
Also 9925:BE1012227959
Registered 29-05-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.