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S&V

Active
Private limited companyfounded 2012active for 14 yearsDe Wandstraat 231-233, 1020 Brussel, BelgiumKBO/BCE: BE 0845.777.147
Summary

S&V has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €206,461 and a net result of €14,911. Equity is growing by about 4.9% per year across the filed financial years. Its solvency ranks better than 42% of 5,027 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisFollow ReportCompare
S&VActiveChecked score 56/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of chocolate and confectionery
NACE 47242
7 sites
Size
≈ €4.1mturnover 2025, estimated
Staff
13.5 FTE
Equity
€206,461
Profit
€14,911
Turnover estimated from the gross margin
Financial health
56 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.8%
Structure
2025 accounts filed 95 days late1 of 5 deeds summarised
Why 56raises riskCapped at 59: a confirmed filing findingLast filed accounts filed 96 days late; 2 of the last 3 lateSize: 13.5 FTE, total assets €716,403lowers riskLiquidity: current ratio 1.07, cash €222,391Founded in 2012Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 54% of its sector peers (NACE 47, small)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 54-2
equity 28.8% of total assets
Liquidity 54+22
short-term debt 65.0% · cash 31.0%
Profitability 55+5
return on assets 2.1%
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,694 companies, NACE 47, small)
Last 24 months 11-2024: 0.8% 12-2024: 0.8%● unchanged vs 11-2024 01-2025: 1.1%▲ +0.3 percentage points vs 12-2024 02-2025: 1.6%▲ +0.5 percentage points vs 01-2025 03-2025: 1.0%▼ -0.6 percentage points vs 02-2025 04-2025: 1.0%● unchanged vs 03-2025 05-2025: 1.0%● unchanged vs 04-2025 06-2025: 1.0%● unchanged vs 05-2025 07-2025: 1.0%● unchanged vs 06-2025 08-2025: 1.0%● unchanged vs 07-2025 09-2025: 1.0%● unchanged vs 08-2025 10-2025: 1.0%● unchanged vs 09-2025 11-2025: 1.0%● unchanged vs 10-2025 12-2025: 1.0%● unchanged vs 11-2025 01-2026: 1.3%▲ +0.3 percentage points vs 12-2025 02-2026: 2.0%▲ +0.7 percentage points vs 01-2026 03-2026: 2.4%▲ +0.4 percentage points vs 02-2026 04-2026: 3.2%▲ +0.8 percentage points vs 03-2026 05-2026: 3.3%▲ +0.1 percentage points vs 04-2026highest value 06-2026: 0.8%▼ -2.5 percentage points vs 05-2026 07-2026: 0.8%● unchanged vs 06-2026 08-2026: 0.8%● unchanged vs 07-2026 09-2026: 0.8%● unchanged vs 08-2026 10-2026: 0.8%● unchanged vs 09-2026lowest value
Credit of up to €11,000 on 30-day terms, only on tighter conditions: the latest accounts were filed more than 90 days after the deadline
Liquidity tight (current ratio 1.07, compared with 0.97 in 2024, below the usual 1.5; short-term debt: 65% and cash: 31% of total assets), and 71.2% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small): better than 48% on solvency, 72% on liquidity, 36% on profitability and 61% on growth.

The bankruptcy probability was computed on 29-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises risk
raises risk · Last filed accounts filed 96 days late; 2 of the last 3 late
NBB · filings
lowers risk · Liquidity: current ratio 1.07, cash €222,391
NBB · annual accounts
lowers risk · Founded in 2012
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Size: 13.5 FTE, total assets €716,403
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · 2025 accounts filed 95 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 06-05-2026, 95 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 10 filings
Deviation from the deadline
2025
95 days late
2024
28 days late
2023
30 days late
2022
1 day early
2021
19 days early
2020
1 day late
2019
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 19 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 28 February (4 of the last 5 filed years within 47 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end30-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Equity above €200,000equity €206,461 ▲7.8%
  3. Annual accounts filedfinancial year 2024 · full…

Key points

  • Caution: Latest accounts filed lateafter the legal deadline 95 days View
  • Positive: 5 profitable years in a rowprofit 2025: €14,911 5 years View
  • Board2 directors in office 2 View

By topic

Financials

Financial year
2025
Total assets
€716,403
Profit
€14,911
Solvency
28.8%
Total assets▲ 14.5%
Net result
20192025
Go to Financials

Timeline

Events
19
Since
2014
Next accounts
by 31-01-2027
  1. 01-03-2024Annual accounts filed
  2. 30-01-2023Annual accounts filed
  3. 14-09-2022Reappointments: HERFS Véronique (director) and DENGIS Serge…
Go to Timeline

Company details

Sites
7
Legal form
Private limited company
Activity
Retail sale of chocolate and confectioneryNACE 47242
Founded
08-05-2012
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
32
Financial year
From 1 January to 31 December
Annual meeting
Third Monday of June at 10:30
Purpose
“L'achat,la vente,tant en gros qu'au détail de pralines et dérivés,ainsi que…” (deed in French)
Go to Articles of association

Key facts about S&V

What is the company number of S&V?
0845.777.147. In Belgium the VAT number is the company number with BE in front: BE 0845.777.147.
Where is S&V based?
The registered office is at De Wandstraat 231-233, 1020 Brussel.Company details
What does S&V do?
According to the KBO register, the main activity is retail sale of chocolate and confectionery (NACE 47242).
What is the legal form of S&V?
Private limited company (BV).
When was S&V founded?
On 08-05-2012.
Is S&V still active?
Yes, S&V is an active enterprise in the KBO register.
How many employees does S&V have?
On average 13.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of S&V?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is S&V profitable?
In financial year 2025, S&V made a profit of €14,911.
Where can I find the annual accounts of S&V?
S&V filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of S&V due?
By 31-01-2027, for financial year 2026.Timeline

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How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark

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