S & V CLEANING
ActiveS & V CLEANING has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €7k. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 58% of 4422 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
81
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-34
Solvency77▲+17
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.09 in 2024), and 52% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
48%
Return on assets
6.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
44 d early
2023
9 d early
2022
3 d early
2021
27 d early
2020
11 d early
2019
7 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€55k▲ 2.6%
2024 · €53k
2018: €20k
2019: €16k
2020: €20k
2021: €28k
2022: €33k
2023: €39k
2024: €53k
2018 → 2025
Total assets
€114k▼ 20.9%
2024 · €144k
2018: €110k
2019: €92k
2020: €98k
2021: €138k
2022: €166k
2023: €155k
2024: €144k
2018 → 2025
Net result
€7k▼ 48.6%
2024 · €14k
2018: €1k
2019: €-4k
2020: €3k
2021: €8k
2022: €12k
2023: €6k
2024: €14k
2018 → 2025
Working capital
€14k▲ 102%
2024 · €7k
2018: €16k
2019: €-3k
2020: €-2k
2021: €-8k
2022: €-9k
2023: €-6k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€33k▲ 18.8%€39k▲ 17.6%€53k▲ 35.8%€55k▲ 2.6%
Operating result€12k-€19k▲ 62.0%€14k▼ 28.3%€25k▲ 82.8%€15k▼ 41.1%
Net result€8k-€12k▲ 45.9%€6k▼ 51.9%€14k▲ 139%€7k▼ 48.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€45k▼ 25.6%
Current assets
€69k▼ 17.5%
Equity and liabilities €114k
Equity
€55k▲ 2.6%
Debt
€59k▼ 34.6%
The debt ratio falls from 63.0% to 52.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€34k▼
2024 · €44k
Cash flow
€27k▼
2024 · €33k
Solvency
48.0%▲
2024 · 37.0%
Current ratio
1.26▲
2024 · 1.09
Quick ratio
1.24▲
2024 · 1.08
Debt / equity
1.09▼
2024 · 1.70
ROE
13.2%▼
2024 · 26.4%
ROA
6.3%▼
2024 · 9.8%
Interest coverage
21.62▲
2024 · 14.97
Debt
€59k▼
2024 · €91k
Debt ≤ 1 year
€55k▼
2024 · €77k
Debt > 1 year
€4k▼
2024 · €14k
Income taxes
€6k▼
2024 · €8k
Staff costs
€365k▼
2024 · €386k
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€144k€114k▼
Fixed assets21/28€60k€45k▼
Tangible fixed assets22/27€60k€44k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€40k€24k▼
Other tangible fixed assets26€18k€18k▲
Financial fixed assets28-€318
Current assets29/58€84k€69k▼
Stocks and contracts in progress3€615€1k▲
Stocks30/36€615€1k▲
Amounts receivable within one year40/41€46k€53k▲
Trade receivables40€43k€44k▲
Other amounts receivable41€2k€9k▲
Cash at bank and in hand54/58€32k€10k▼
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€144k€114k▼
Equity10/15€53k€55k▲
Contributions10/11€13k€13k=
Reserves13€40k€41k▲
Distributable reserves133€40k€41k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€91k€59k▼
Amounts payable after more than one year17€14k€4k▼
Financial debts170/4€14k€4k▼
Amounts payable within one year42/48€77k€55k▼
Current portion of amounts payable after more than one year42€20k€10k▼
Financial debts43€6k€10k▲
Credit institutions430/8€6k€10k▲
Trade debts44€16k€6k▼
Suppliers440/4€16k€6k▼
Taxes, remuneration and social security45€34k€23k▼
Taxes450/3€2k€825▼
Remuneration and social security454/9€32k€23k▼
Other amounts payable47/48€1k€6k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€10k€2k▼
Remuneration, social security and pensions62€386k€365k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8€2k€2k▼
Gross operating margin9900€432k€403k▼
Operating profit (loss)9901€25k€15k▼
Financial income75/76B€199€112▼
Recurring financial income75€199€112▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€22k€13k▼
Income taxes67/77€8k€6k▼
Profit (loss) for the period9904€14k€7k▼
Profit (loss) for the period to be appropriated9905€14k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€7k▼
Transfer from equity791/2-€6k
Transfer to equity691/2€14k€7k▼
To other reserves6921€14k€7k▼
Profit to be distributed694/7-€6k
Return on contributions (dividend)694-€6k
The notes to these accounts (16 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €14k ▲139%
Operating result €25k, net result €14k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-4k ▼472%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Olen · 1 establishment unit since 2008
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.
Gladiolenstraat 12250 OlenGround area
345 m²
Building footprint
83 m²
Volume, LiDAR
457 m³
Parcel 13029D0062/00A002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S & V CLEANING
since 20082.173.818.401
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13029D0062/00A002 | Flanders | 345 m² | 1 · 83 m² | 8.4 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,265 EUR awarded · 1,265 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,265 EUR | 1,265 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
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Of 7,351 companies in sector 81210 we hold annual accounts for 2,731. 2,248 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-09-2008
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
90201Performing arts by independent artists
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.