S&A
ActiveS&A has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €31k and a net result of €6k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 74% of 2276 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
100
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability96▲+40
Solvency100=
Growth68=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.07 against 2.63 in 2023), and 28% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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 2024Solvency, return and age of the figures
Solvency
72%
Return on assets
13.8%
Age of the figures
20 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-09-2025, 42 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
42 d late
2023
23 d late
2022
32 d late
2021
43 d late
2020
40 d late
2019
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Turnover
€87k▼ 4.5%
2019 · €92k
2018: €45k
2019: €92k
2018 → 2020
EBIT margin
-2.4%▼ 15.9pp
2019 · 13.5%
2018: 27.3%
2019: 13.5%
2018 → 2020
Net result
€6k▲ 91.1%
2023 · €3k
2018: €9k
2019: €9k
2020: €-3k
2021: €15k
2022: €1k
2023: €3k
2018 → 2024
Working capital
€25k▲ 11.8%
2023 · €22k
2018: €5k
2019: €11k
2020: €8k
2021: €23k
2022: €21k
2023: €22k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€87k-
Equity€9k-€23k▲ 151%€25k▲ 5.3%€28k▲ 12.6%€31k▲ 11.0%
Operating result€-2k-€20k€7k▼ 65.4%€7k▲ 3.8%€10k▲ 39.6%
Net result€-3k-€15k€1k▼ 91.9%€3k▲ 151%€6k▲ 91.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 40% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €43k
Fixed assets
€6k▲ 7.7%
Current assets
€37k▲ 2.9%
Equity and liabilities €43k
Equity
€31k▲ 11.0%
Debt
€12k▼ 11.6%
The debt ratio falls from 32.8% to 28.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€11k▲
2023 · €9k
Cash flow
€7k▲
2023 · €5k
Solvency
72.0%▲
2023 · 67.2%
Current ratio
3.07▲
2023 · 2.63
Quick ratio
3.07▲
2023 · 2.63
Debt / equity
0.39▼
2023 · 0.49
ROE
19.2%▲
2023 · 11.2%
ROA
13.8%▲
2023 · 7.5%
Interest coverage
14.06▼
2023 · 24.81
Debt
€12k▼
2023 · €13k
Debt ≤ 1 year
€12k▼
2023 · €13k
Income taxes
€3k▼
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€41k€43k▲
Fixed assets21/28€6k€6k▲
Tangible fixed assets22/27€6k€6k▲
Plant, machinery and equipment23€335€1k▲
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€36k€37k▲
Amounts receivable within one year40/41€23k€22k▼
Trade receivables40€17k€18k▲
Other amounts receivable41€5k€5k▼
Cash at bank and in hand54/58€9k€11k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€41k€43k▲
Equity10/15€28k€31k▲
Contributions10/11€1k€1k=
Reserves13€17k€20k▲
Non-distributable reserves130/1€100€100=
Reserves not available under the articles1311€100€100=
Distributable reserves133€17k€20k▲
Profit (loss) carried forward14€10k€10k=
Amounts payable17/49€13k€12k▼
Amounts payable within one year42/48€13k€12k▼
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€10k€7k▼
Taxes450/3€10k€7k▼
Other amounts payable47/48-€857
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€12k€13k▲
Operating profit (loss)9901€7k€10k▲
Financial income75/76B€1€81▲
Recurring financial income75€1€81▲
Financial charges65/66B€360€804▲
Recurring financial charges65€360€804▲
Profit (loss) for the period before taxes9903€7k€9k▲
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€3k€6k▲
Profit (loss) for the period to be appropriated9905€3k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€16k▲
Profit (loss) brought forward from the previous period14P€10k€10k=
Transfer to equity691/2€3k€3k▼
To other reserves6921€3k€3k▼
Profit to be distributed694/7-€3k
Directors or managers695-€3k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 42 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 23 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
12-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 43 days late
2021
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 40 days late
2020
31-12
Financial
Weakest financial yearnet €-3k ▼139%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 37 days late
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, Sint-Niklaas · 1 establishment unit since 2018
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.
Klapperbeekstraat 1059100 Sint-NiklaasGround area
952 m²
Building footprint
259 m²
Volume, LiDAR
805 m³
Parcel 46446B0150/00M002, Flanders · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
S&A
since 20182.340.568.428
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46446B0150/00M002 | Flanders | 952 m² | 1 · 259 m² | 10.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 254 EUR awarded · 254 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 161 EUR | 161 EUR |
| 2022 | 1 | 93 EUR | 93 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,177 companies in sector 82100 we hold annual accounts for 3,491. 2,399 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formLimited partnership
Founded19-02-2018
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
43350Other building finishing work
47120Other non-specialised retail sale
47910Retail trade
53200Other postal and courier activities
68310Real estate agency activities
68311Real estate activities
77110Renting and leasing of cars and light motor vehicles
77393Rental and leasing activities
88101Social work activities without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.