S95

Active

Private limited companyfounded 20251 yr activeBinnenstraat 238, 9300 Aalst, BelgiumKBO/BCE: BE 1021.007.746

S95 has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €2k. Its solvency ranks better than 88% of 18039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

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Checked score

Score 2025

71 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability68

Solvency100

Growth-

Track record67

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 2.02; short-term debt: 18.6% and cash: 8% of total assets), and 18.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

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

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

81.4%

Return on assets

11.6%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

1 d early

← before the deadline after the deadline →

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

Financials · fiscal year 2025, micro schema

Turnover

€91k

EBIT margin

3.0%

Net result

€2k

Working capital

€3k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €17k

61.8%

38.2%

Fixed assets €11k

Current assets €7k

Equity and liabilities €17k

81.4%

18.6%

Equity €14k

Debt €3k

Debt finances 18.6% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€4k

Cash flow

€3k

Solvency

81.4%

Current ratio

2.02

Quick ratio

0.43

Debt / equity

0.23

ROE

14.3%

ROA

11.6%

Interest coverage

42.83

Debt

€3k

Debt ≤ 1 year

€3k

Income taxes

€670

Staff costs

€3k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€17k

Formation expenses20€217

Fixed assets21/28€11k

Intangible fixed assets21€6k

Tangible fixed assets22/27€5k

Plant, machinery and equipment23€5k

Current assets29/58€7k

Stocks and contracts in progress3€5k

Stocks30/36€5k

Cash at bank and in hand54/58€1k

Equity and liabilities

Total equity and liabilities10/49€17k

Equity10/15€14k

Contributions10/11€12k

Profit (loss) carried forward14€2k

Amounts payable17/49€3k

Amounts payable within one year42/48€3k

Trade debts44€2k

Suppliers440/4€2k

Taxes, remuneration and social security45€2k

Taxes450/3€946

Remuneration and social security454/9€610

Income statement Code2025

Turnover70€91k

Goods, raw materials, services and sundry goods60/61€87k

Remuneration, social security and pensions62€3k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k

Gross operating margin9900€7k

Operating profit (loss)9901€3k

Financial charges65/66B€99

Recurring financial charges65€99

Profit (loss) for the period before taxes9903€3k

Income taxes67/77€670

Profit (loss) for the period9904€2k

Profit (loss) for the period to be appropriated9905€2k

Appropriation of the result

Profit (loss) to be appropriated9906€2k

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

30-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

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, Aalst · 1 establishment unit since 2025

establishment approximate The establishment unit on the map

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.

Binnenstraat 2389300 Aalst

Ground area

560 m²

Building footprint

214 m²

Volume, LiDAR

2,142 m³

2 parcels, Flanders, Wallonia · tallest building 12.2 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

S95

Chaussée de Waterloo 175, 5000 NamurNon-specialised retail sale with food, beverages or tobacco predominating

since 20252.371.155.003

2 parcels

Flanders 1 (50%) Wallonia 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92094A0130/00R000	Wallonia	326 m²	1 · 144 m²	12.2 m · 4 fl.
41303D0813/00T000	Flanders	233 m²	1 · 70 m²	11.4 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Namur2.371.155.003

1 permission

Toelating · Detailhandel · since 21-03-2025

Similar companies · same sector, comparable size

Sint-Jans-Molenbeek · Eq €14k

Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 3,815 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-03-2025

Fiscal year end31-12

Activities, NACEBEL

47110Non-specialised retail sale with food, beverages or tobacco predominating

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.