N&S Enterprise
ActiveN&S Enterprise has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €-4k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 4418 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
22
/ 100
Critical▼ -42 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-23
Solvency29▼-2
Growth52=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.4 against 1.41 in 2024), and 85.8% 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+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 43
Relative position
BE, all sectors
reference
Sector 43
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
14.2%
Return on assets
-1.8%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 4418 sector peers (2025).
NBB · sector comparisonPosition among 4418 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 16-09-2025, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
3 d early
2022
32 d early
2021
30 d early
2020
38 d early
2019
63 d early
2018
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▼ 11.5%
2024 · €31k
2018: €17k
2019: €-9k
2020: €25k
2021: €30k
2022: €29k
2024: €31k
2018 → 2025
Total assets
€190k▼ 1.9%
2024 · €194k
2018: €260k
2019: €197k
2020: €188k
2021: €180k
2022: €182k
2024: €194k
2018 → 2025
Net result
€-4k
2024 · €1k
2018: €2k
2019: €12k
2020: €33k
2021: €5k
2022: €-796
2024: €1k
2018 → 2025
Working capital
€51k▼ 2.7%
2024 · €53k
2018: €-29k
2019: €821
2020: €33k
2021: €41k
2022: €48k
2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€25k-€30k▲ 21.0%€29k▼ 2.7%€31k▲ 4.9%€27k▼ 11.5%
Operating result€40k-€8k▼ 78.8%€1k▼ 88.0%€8k▲ 658%€-3k
Net result€33k-€5k▼ 84.5%€-796€1k€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €8k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €190k
Fixed assets
€10k▼ 18.6%
Current assets
€180k▼ 0.8%
Equity and liabilities €190k
Equity
€27k▼ 11.5%
Debt
€163k▼ 0.1%
The debt ratio rises from 84.2% to 85.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-323▼
2024 · €11k
Cash flow
€-1k▼
2024 · €5k
Solvency
14.2%▼
2024 · 15.8%
Current ratio
1.40▼
2024 · 1.41
Quick ratio
0.79▼
2024 · 0.92
Debt / equity
6.03▲
2024 · 5.34
ROE
-13.0%▼
2024 · 4.7%
ROA
-1.8%▼
2024 · 0.7%
Interest coverage
-0.68▼
2024 · 3.22
Debt
€163k▼
2024 · €163k
Debt ≤ 1 year
€129k▼
2024 · €129k
Debt > 1 year
€34k=
2024 · €34k
Income taxes
€472▼
2024 · €3k
Staff costs
€306k▼
2024 · €320k
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€194k€190k▼
Fixed assets21/28€12k€10k▼
Tangible fixed assets22/27€12k€10k▼
Land and buildings22€12k-
Other tangible fixed assets26-€10k
Current assets29/58€182k€180k▼
Stocks and contracts in progress3€63k€78k▲
Contracts in progress37€63k€78k▲
Amounts receivable within one year40/41€104k€98k▼
Trade receivables40€102k€97k▼
Other amounts receivable41€1k€933▼
Cash at bank and in hand54/58€10k€4k▼
Deferred charges and accrued income490/1€5k€699▼
Equity and liabilities
Total equity and liabilities10/49€194k€190k▼
Equity10/15€31k€27k▼
Contributions10/11€14k€14k=
Reserves13€17k€13k▼
Distributable reserves133€17k€13k▼
Amounts payable17/49€163k€163k▼
Amounts payable after more than one year17€34k€34k=
Other amounts payable178/9€34k€34k=
Amounts payable within one year42/48€129k€129k▼
Trade debts44€26k€12k▼
Suppliers440/4€26k€12k▼
Taxes, remuneration and social security45€96k€113k▲
Taxes450/3€14k€4k▼
Remuneration and social security454/9€82k€109k▲
Other amounts payable47/48€7k€5k▼
Accrued charges and deferred income492/3€237€109▼
Income statement
Code20242025
Remuneration, social security and pensions62€320k€306k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€22k€15k▼
Gross operating margin9900€353k€321k▼
Operating profit (loss)9901€8k€-3k▼
Financial income75/76B€55€1▼
Recurring financial income75€55€1▼
Financial charges65/66B€3k€476▼
Recurring financial charges65€3k€476▼
Profit (loss) for the period before taxes9903€4k€-3k▼
Income taxes67/77€3k€472▼
Profit (loss) for the period9904€1k€-4k▼
Profit (loss) for the period to be appropriated9905€1k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-4k▼
Transfer from equity791/2-€4k
Transfer to equity691/2€1k-
To other reserves6921€1k-
The notes to these accounts (4 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
2025
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-4k ▼345%
Net result drops to €-4k, the lowest in the series.
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
2023
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €33k ▲177%
Operating result €40k, net result €33k, both a record.
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
31-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Laakdal · 1 establishment unit since 2007
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.
Verboekt 752430 LaakdalGround area
1,319 m²
Building footprint
161 m²
Volume, LiDAR
953 m³
Parcel 13045C0650/03L000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
N&S Enterprise
since 20072.159.624.331
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13045C0650/03L000 | Flanders | 1,319 m² | 1 · 161 m² | 9.1 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
2022 to 2025 · 3 entries · 638 EUR awarded · 537 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 435 EUR | 366 EUR |
| 2023 | 1 | 32 EUR | 0 EUR |
| 2022 | 1 | 171 EUR | 171 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
DECO STYLES
BE 0778.842.791
Gesves · Eq €27k
KRN CONSTRUCT
BE 0790.790.619
Machelen (Brab.) · Eq €27k
Royal Painting
BE 0795.317.252
Sint-Niklaas · Eq €27k
VM DECORATION
BE 1006.628.881
Yvoir · Eq €27k
PEINTURE TORTORA
BE 0667.608.141
Frameries · Eq €27k
Of 7,817 companies in sector 43341 we hold annual accounts for 2,639. 2,168 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2007
Fiscal year end31-03
Activities, NACEBEL
43341Painting of buildings
74700
81210General cleaning of buildings
43332Laying of wooden floor and wall coverings
43333Wallpapering and laying of floor and wall coverings in other materials
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.