S.Service
ActiveS.Service has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €43k. Its solvency ranks better than 66% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency86
Growth-
Track record67
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.57; short-term debt: 38.8% and cash: 92.6% of total assets), and 38.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
61.2%
Return on assets
58.9%
Age of the figures
9 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 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€44k
Total assets
€73k
Net result
€43k
Working capital
€44k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €73k
Equity
€44k
Debt
€28k
Debt finances 38.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€55k
Cash flow
€44k
Solvency
61.2%
Current ratio
2.57
Quick ratio
2.51
Debt / equity
0.64
ROE
96.3%
ROA
58.9%
Interest coverage
389.66
Debt
€28k
Debt ≤ 1 year
€28k
Income taxes
€11k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€73k
Formation expenses20€222
Current assets29/58€72k
Stocks and contracts in progress3€2k
Stocks30/36€2k
Amounts receivable within one year40/41€3k
Other amounts receivable41€3k
Cash at bank and in hand54/58€67k
Deferred charges and accrued income490/1€334
Equity and liabilities
Total equity and liabilities10/49€73k
Equity10/15€44k
Contributions10/11€3k
Profit (loss) carried forward14€42k
Amounts payable17/49€28k
Amounts payable within one year42/48€28k
Trade debts44€12k
Suppliers440/4€12k
Taxes, remuneration and social security45€12k
Taxes450/3€12k
Other amounts payable47/48€4k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Other operating charges640/8€400
Gross operating margin9900€56k
Operating profit (loss)9901€54k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€142
Recurring financial charges65€142
Profit (loss) for the period before taxes9903€54k
Income taxes67/77€11k
Profit (loss) for the period9904€43k
Profit (loss) for the period to be appropriated9905€43k
Appropriation of the result
Profit (loss) to be appropriated9906€43k
Profit to be distributed694/7€833
Return on contributions (dividend)694€833
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Oosterzele · 1 establishment unit since 2025
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.
Hazenwegel 259860 OosterzeleGround area
1,075 m²
Building footprint
159 m²
Parcel 44052C0724/00T000, Flanders. Linked by address, not a title deed.
1 establishment unit
S.Service
since 20252.373.504.084
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44052C0724/00T000 | Flanders | 1,075 m² | 1 · 159 m² | - |
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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DECORATIE ANDY CALLENS
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Of 7,861 companies in sector 43341 we hold annual accounts for 2,664. 2,300 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-2025
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
41001General construction of residential buildings
41003General construction of other non-residential buildings
43230Insulation installation
43910Bricklaying and masonry work
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.