Solid Surface Services

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Solid Surface Services is 3.1% (moderate). The 2024 annual accounts show equity of €2k and a net result of €334. Its solvency ranks better than 14% of 11123 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 11123 sector peers (2024).

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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.

How we compute the deadline

There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2024	31-07-2025	30-09-2025	61 d late	2025-00527935

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Young company

Founded in 2023, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

3.1% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€334

Working capital€11k

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro

Sector comparison

Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	7.8%	40.9%	better than 14% of 11123 sector peers
Net result	€334	€11k	better than 22% of 11107 sector peers
Equity	€2k	€34k	better than 11% of 11128 sector peers
Gross operating margin	€6k	€35k	better than 15% of 11096 sector peers
Total assets	€30k	€94k	better than 14% of 11123 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€334
Cash flow	-
Staff costs	-
Income taxes	€660
Dividends	-
Total assets	€30k
Equity	€2k
Debt	€28k
of which ≤ 1y	€13k
of which > 1y	€15k
Working capital	€11k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.83
Quick ratio	1.83
Working capital ratio	36.2%
Solvency	7.8%
Debt / equity	11.85
Long-term debt ratio	6.22
Interest coverage	-
Gross margin	-
Net margin	-
ROA	1.1%
ROE	14.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €6k · 20.0% Current assets €24k · 80.0%

Equity & liabilities

Equity €2k · 7.8% Debt €28k · 92.2%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€30k
Fixed assets	21/28	€6k
Tangible fixed assets	22/27	€6k
Current assets	29/58	€24k
Amounts receivable within one year	40/41	€24k
Cash & bank	54/58	€1
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€30k
Equity	10/15	€2k
Contributions / capital	10/11	€2k
Accumulated profits (losses)	14	€334
Amounts payable	17/49	€28k
Amounts payable after one year	17	€15k
Amounts payable within one year	42/48	€13k
Trade debts payable within one year	44	€9k
Income statement
Gross operating margin	9900	€6k
Operating result	9901	€696
Financial income	75	€445
Financial charges	65	€146
Result before taxes	9903	€995
Income taxes	67/77	€660
Net result for the period	9904	€334
Result to be appropriated	9905	€334

Ratios computed by Checked.

Health barometer

FY 2024 · computed

65 / 100 Healthy

050100

Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

Temper Heritage

de Ghellincklaan(NDW) 30, 2200 HerentalsMontage van buiten- en binnenschrijnwerk van hout of van kunststof : deuren, vensters, kozijnen, trappen, muurkasten, inbouwkeukens, winkelinrichtingen, enz

since 20232.354.006.886

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area331 m²

Buildings1

Building footprint363 m²

Volume (LiDAR)3,019 m³

Tallest building12.1 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)