B & S
ActiveB & S has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €25k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 71% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent▼ -4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency87▼-13
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 5.48 in 2024), and 24.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
75.3%
Return on assets
18.5%
Age of the figures
15 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €101k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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.
NBB · 10 filingsDeviation from the deadline
2025
2 d late
2024
4 d late
2023
on the day
2022
1 d early
2021
on the day
2020
10 d late
2019
28 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€101k▲ 17.2%
2024 · €86k
2019: €209k
2020: €81k
2021: €84k
2022: €88k
2023: €67k
2024: €86k
2019 → 2025
Total assets
€134k▲ 32.6%
2024 · €101k
2019: €229k
2020: €130k
2021: €114k
2022: €121k
2023: €83k
2024: €101k
2019 → 2025
Net result
€25k▲ 30.7%
2024 · €19k
2019: €-2k
2020: €-128k
2021: €3k
2022: €5k
2023: €2k
2024: €19k
2019 → 2025
Working capital
€14k▼ 79.3%
2024 · €67k
2019: €44k
2020: €93k
2021: €58k
2022: €65k
2023: €46k
2024: €67k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€88k▲ 4.5%€67k▼ 23.9%€86k▲ 28.3%€101k▲ 17.2%
Operating result€-1k-€8k€4k▼ 54.0%€26k▲ 567%€35k▲ 36.5%
Net result€3k-€5k▲ 106%€2k▼ 63.8%€19k▲ 867%€25k▲ 30.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 36% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€87k▲ 358%
Current assets
€47k▼ 42.7%
Equity and liabilities €134k
Equity
€101k▲ 17.2%
Debt
€33k▲ 121%
The debt ratio rises from 14.8% to 24.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€58k▲
2024 · €36k
Cash flow
€48k▲
2024 · €29k
Solvency
75.3%▼
2024 · 85.2%
Current ratio
1.42▼
2024 · 5.48
Quick ratio
1.24▼
2024 · 5.10
Debt / equity
0.33▲
2024 · 0.17
ROE
24.6%▲
2024 · 22.1%
ROA
18.5%▼
2024 · 18.8%
Interest coverage
352.31▲
2024 · 155.86
Debt
€33k▲
2024 · €15k
Debt ≤ 1 year
€33k▲
2024 · €15k
Income taxes
€10k▲
2024 · €9k
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€101k€134k▲
Fixed assets21/28€19k€87k▲
Tangible fixed assets22/27€19k€87k▲
Land and buildings22€4k€4k=
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€10k€78k▲
Other tangible fixed assets26€4k€3k▼
Current assets29/58€82k€47k▼
Stocks and contracts in progress3€6k€6k▲
Stocks30/36€6k€6k▲
Amounts receivable within one year40/41€60k€16k▼
Trade receivables40€14k€15k▲
Other amounts receivable41€46k€1k▼
Current investments50/53€43€4k▲
Cash at bank and in hand54/58€16k€21k▲
Deferred charges and accrued income490/1€424€103▼
Equity and liabilities
Total equity and liabilities10/49€101k€134k▲
Equity10/15€86k€101k▲
Contributions10/11€6k€6k=
Reserves13€80k€94k▲
Distributable reserves133€80k€94k▲
Amounts payable17/49€15k€33k▲
Amounts payable within one year42/48€15k€33k▲
Current portion of amounts payable after more than one year42€6k-
Trade debts44€1k€682▼
Suppliers440/4€1k€682▼
Taxes, remuneration and social security45€8k€4k▼
Taxes450/3€8k€4k▼
Other amounts payable47/48-€28k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€23k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k-
Other operating charges640/8€682€810▲
Gross operating margin9900€41k€59k▲
Operating profit (loss)9901€26k€35k▲
Financial income75/76B€2k€247▼
Recurring financial income75€2k€247▼
Financial charges65/66B€230€165▼
Recurring financial charges65€230€165▼
Profit (loss) for the period before taxes9903€28k€35k▲
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€19k€25k▲
Profit (loss) for the period to be appropriated9905€19k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€25k▲
Transfer from equity791/2-€10k
Transfer to equity691/2€19k€25k▲
To other reserves6921€19k€25k▲
Profit to be distributed694/7-€10k
Return on contributions (dividend)694-€10k
The notes to these accounts (5 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-06
Financial
Highest result since 2019net €25k ▲30.7%
Operating result €35k, net result €25k, both a record.
30-06
Financial
Equity above €100kEq €101k ▲17.2%
5 profitable years in a row build equity to €101k.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
10-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
30-06
Financial
Weakest financial yearnet €-128k
Net result drops to €-128k, the lowest in the series; recovery starts the following year.
03-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Izegem · 1 establishment unit since 2006
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.
Nachtegaalstraat 28870 IzegemGround area
1,443 m²
Building footprint
209 m²
Volume, LiDAR
891 m³
Parcel 36492A0677/00G000, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
B & S
since 20062.154.639.818
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36492A0677/00G000 | Flanders | 1,443 m² | 1 · 208 m² | 6.4 m · 1 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.
Similar companies · same sector, comparable size
Olivier Grenson Consulting
BE 0745.603.564
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EPMG
BE 0839.035.944
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PAUWELS MANAGEMENT
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KOMOS
BE 0849.206.789
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Anchor 119
BE 0691.633.556
Brussel · Eq €101k
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 40,460 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2006
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
46190Agents in non-specialised wholesale trade
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.