S. Telecom
ActiveThe computed 12-month bankruptcy probability of S. Telecom is 1.9% (moderate). The 2025 annual accounts show equity of €98k and a net result of €-8k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 80% of 967 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-74
Solvency100▲+11
Growth52=
Stability94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.11 against 1.7 in 2024), and 27.9% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 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 · 3 filingsDeviation from the deadline
2025
39 d late
2024
42 d late
2023
92 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€98k▼ 7.5%
2024 · €106k
2023: €90k
2024: €106k
2023 → 2025
Total assets
€136k▼ 35.3%
2024 · €210k
2023: €136k
2024: €210k
2023 → 2025
Net result
€-8k
2024 · €16k
2023: €87k
2024: €16k
2023 → 2025
Working capital
€80k▲ 9.8%
2024 · €73k
2023: €76k
2024: €73k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€90k-€106k▲ 17.4%€98k▼ 7.5%
Operating result€117k-€21k▼ 82.1%€-10k
Net result€87k-€16k▼ 82.0%€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €21k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€18k▼ 45.6%
Current assets
€118k▼ 33.4%
Equity and liabilities €136k
Equity
€98k▼ 7.5%
Debt
€38k▼ 63.5%
The debt ratio falls from 49.6% to 27.9%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-387▼
2024 · €30k
Cash flow
€1k▼
2024 · €24k
Solvency
72.1%▲
2024 · 50.4%
Current ratio
3.11▲
2024 · 1.70
Quick ratio
3.11▲
2024 · 1.70
Debt / equity
0.39▼
2024 · 0.98
ROE
-8.1%▼
2024 · 14.8%
ROA
-5.8%▼
2024 · 7.5%
Interest coverage
-2.97▼
2024 · 168.61
Debt
€38k▼
2024 · €104k
Debt ≤ 1 year
€38k▼
2024 · €104k
Income taxes
€-682▼
2024 · €5k
Staff costs
€2k▼
2024 · €46k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€210k€136k▼
Fixed assets21/28€33k€18k▼
Tangible fixed assets22/27€33k€18k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€27k€14k▼
Current assets29/58€177k€118k▼
Amounts receivable within one year40/41€128k€115k▼
Trade receivables40€104k€91k▼
Other amounts receivable41€24k€25k▲
Current investments50/53-€3k
Cash at bank and in hand54/58€48k-
Deferred charges and accrued income490/1€1k€110▼
Equity and liabilities
Total equity and liabilities10/49€210k€136k▼
Equity10/15€106k€98k▼
Contributions10/11€3k€25k▲
Profit (loss) carried forward14€103k€73k▼
Amounts payable17/49€104k€38k▼
Amounts payable within one year42/48€104k€38k▼
Trade debts44€61k€33k▼
Suppliers440/4€61k€33k▼
Taxes, remuneration and social security45€43k€5k▼
Taxes450/3€35k€5k▼
Remuneration and social security454/9€8k-
Income statement
Code20242025
Remuneration, social security and pensions62€46k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A-€5k
Gross operating margin9900€77k€8k▼
Operating profit (loss)9901€21k€-10k▼
Financial income75/76B€1€1k▲
Recurring financial income75€1€1k▲
Financial charges65/66B€176€130▼
Recurring financial charges65€176€130▼
Profit (loss) for the period before taxes9903€21k€-9k▼
Income taxes67/77€5k€-682▼
Profit (loss) for the period9904€16k€-8k▼
Profit (loss) for the period to be appropriated9905€16k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€103k€95k▼
Profit (loss) brought forward from the previous period14P€87k€103k▲
Transfer to equity691/2-€22k
To contributions691-€22k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 39 days late
2025
31-12
Financial
Weakest financial yearnet €-8k ▼150%
Net result drops to €-8k, the lowest in the series.
11-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 42 days late
2024
31-12
Financial
Equity above €100kEq €106k ▲17.4%
2 profitable years in a row build equity to €106k.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2025
Habiba AGHARBI
CurrentDirector · since 13-01-2025
Said AHIDAR
CurrentDirector · since 13-01-2025
13-01-2025
Habiba AGHARBI: Appointed as Director
13-01-2025
Said AHIDAR: Appointed as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2022
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.
Jules Van Beylenstraat 392140 AntwerpenGround area
85 m²
Building footprint
85 m²
Volume, LiDAR
463 m³
Parcel 11313B0903/00P010, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S. Telecom
since 20222.335.614.401
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11313B0903/00P010 | Flanders | 85 m² | 1 · 85 m² | 7.8 m · 2 fl. |
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.
Similar companies · same sector, comparable size
M & S Infra
BE 0883.426.708
Lokeren · Eq €98k
ELM
BE 0759.884.439
Wavre · Eq €98k
CFP Rainurages BE
BE 0715.490.608
Libin · Eq €98k
ElektroFix
BE 0785.341.989
Tessenderlo-Ham · Eq €98k
ELEKTRO DUDAL
BE 0553.727.864
Damme · Eq €98k
Of 1,806 companies in sector 42220 we hold annual accounts for 948. 702 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-09-2022
Fiscal year end31-12
Activities, NACEBEL
42220Construction of utility projects for electricity and telecommunications
61100Wired, wireless and satellite telecommunications
61200Telecommunications resale and intermediation services
61900Telecommunications
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.