SST SECRETARIAT SOCIAL
ActiveSST SECRETARIAT SOCIAL has been active since 1945 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18.82M and a net result of €-10k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 55% of 925 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-7
Solvency74▼-2
Growth49▼-1
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €350k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 1.99 in 2024; short-term debt: 46.7% and cash: 48.1% of total assets), but 50.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
49.2%
Return on assets
0%
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
28 d early
2023
14 d early
2022
54 d early
2021
23 d early
2020
23 d early
2019
3 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€3.51M=
2024 · €3.51M
2018: €2.88M
2019: €2.91M
2020: €2.79M
2021: €2.97M
2022: €3.22M
2023: €3.37M
2024: €3.51M
2018 → 2025
EBIT margin
-4.8%▼ 4.0pp
2024 · -0.8%
2018: -3.1%
2019: 3.9%
2020: 7.8%
2021: 8.2%
2022: 6.6%
2023: -0.4%
2024: -0.8%
2018 → 2025
Net result
€-10k
2024 · €179k
2018: €222k
2019: €235k
2020: €312k
2021: €333k
2022: €285k
2023: €120k
2024: €179k
2018 → 2025
Working capital
€16.59M▲ 2.1%
2024 · €16.25M
2018: €14.20M
2019: €14.72M
2020: €15.17M
2021: €15.08M
2022: €15.55M
2023: €16.04M
2024: €16.25M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.97M-€3.22M▲ 8.7%€3.37M▲ 4.6%€3.51M▲ 3.9%€3.51M=
Equity€18.25M-€18.53M▲ 1.6%€18.65M▲ 0.6%€18.83M▲ 1.0%€18.82M▼ 0.1%
Operating result€242k-€212k▼ 12.4%€-13k€-29k▼ 126%€-169k▼ 489%
Net result€333k-€285k▼ 14.4%€120k▼ 58.1%€179k▲ 49.5%€-10k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €169k in 2025 against €29k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38.23M
Fixed assets
€3.80M▼ 5.9%
Current assets
€34.43M▲ 5.7%
Equity and liabilities €38.23M
Equity
€18.82M▼ 0.1%
Provisions
€703k▲ 7.7%
Debt
€18.71M▲ 9.1%
The debt ratio rises from 46.8% to 48.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€213k▼
2024 · €389k
Cash flow
€372k▼
2024 · €596k
Solvency
49.2%▼
2024 · 51.4%
Current ratio
1.93▼
2024 · 1.99
Quick ratio
1.93▼
2024 · 1.99
Debt / equity
0.99▲
2024 · 0.91
ROE
-0.1%▼
2024 · 0.9%
ROA
0.0%▼
2024 · 0.5%
Interest coverage
123.77▼
2024 · 291.44
Debt
€18.71M▲
2024 · €17.14M
Debt ≤ 1 year
€17.84M▲
2024 · €16.33M
Debt > 1 year
€869k▲
2024 · €809k
Income taxes
€76k▼
2024 · €96k
Staff costs
€2.37M▲
2024 · €2.23M
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€36.63M€38.23M▲
Fixed assets21/28€4.04M€3.80M▼
Intangible fixed assets21€21k€50k▲
Tangible fixed assets22/27€3.92M€3.65M▼
Land and buildings22€3.56M€3.40M▼
Furniture and vehicles24€356k€243k▼
Financial fixed assets28€101k€106k▲
Current assets29/58€32.59M€34.43M▲
Amounts receivable within one year40/41€544k€424k▼
Trade receivables40€476k€424k▼
Other amounts receivable41€67k€0▼
Current investments50/53€16.53M€15.53M▼
Cash at bank and in hand54/58€15.37M€18.37M▲
Deferred charges and accrued income490/1€145k€111k▼
Equity and liabilities
Total equity and liabilities10/49€36.63M€38.23M▲
Equity10/15€18.83M€18.82M▼
Contributions10/11€13.46M€13.46M=
Capital10€13.46M€13.46M=
Reserves13€4.04M€3.79M▼
Profit (loss) carried forward14€1.33M€1.58M▲
Provisions and deferred taxes16€653k€703k▲
Provisions for liabilities and charges160/5€653k€703k▲
Other liabilities and charges164/5€653k€703k▲
Amounts payable17/49€17.14M€18.71M▲
Amounts payable after more than one year17€809k€869k▲
Other amounts payable178/9€809k€869k▲
Amounts payable within one year42/48€16.33M€17.84M▲
Trade debts44€92k€69k▼
Suppliers440/4€92k€69k▼
Taxes, remuneration and social security45€427k€488k▲
Taxes450/3€125k€156k▲
Remuneration and social security454/9€301k€332k▲
Accrued charges and deferred income492/3€860-
Income statement
Code20242025
Turnover70€3.51M€3.51M=
Non-recurring operating income76A-€27k
Goods, raw materials, services and sundry goods60/61€901k€826k▼
Remuneration, social security and pensions62€2.23M€2.37M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€417k€382k▼
Other operating charges640/8€58k€162k▲
Non-recurring operating charges66A€5k€3k▼
Gross operating margin9900€2.68M€2.80M▲
Operating profit (loss)9901€-29k€-169k▼
Financial income75/76B€305k€237k▼
Recurring financial income75€305k€237k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€275k€66k▼
Income taxes67/77€96k€76k▼
Profit (loss) for the period9904€179k€-10k▼
Profit (loss) for the period to be appropriated9905€179k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.46M€1.32M▼
Profit (loss) brought forward from the previous period14P€1.29M€1.33M▲
From contributions791-€251k
To contributions691€130k-
Social balance
Average headcount (FTE)908725.426.0▲
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-10k ▼106%
Net result drops to €-10k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €333k ▲6.9%
Operating result €242k, net result €333k, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-01-2023
Resigned as Director
Location & real-estate footprint
Registered office, Tournai · 2 establishment units since 2003
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.
Quai Andreï Sakharov(TOU) 87500 TournaiGround area
2,182 m²
Building footprint
298 m²
Volume, LiDAR
3,944 m³
2 parcels, Wallonia · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
SST SECRETARIAT SOCIAL
since 20032.146.283.168
SST SECRETARIAT SOCIAL
since 20132.215.413.484
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51004D0952/00R000 | Wallonia | 1,252 m² | 1 · 181 m² | 13.8 m · 4 fl. |
| 57462D0045/02E000 | Wallonia | 930 m² | 1 · 117 m² | 18.4 m · 5 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
Legal Entity Identifier
9845008AEAACB0600812
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Of 11,221 companies in sector 82100 we hold annual accounts for 3,511. 288 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded29-03-1945
Fiscal year end31-12
Trade name FR
Soc.Secr.Soc.
Activities, NACEBEL
74854
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:sst.secretariatsocial.eu
E-mail:info@sst.secretariatsocial.eu