Skip to content

S & AH DIGITAL

Active
KBO/BCE: BE 0768.657.494
Watch Print / PDF
Belgian State Gazette acts: 0 of 1 read
Age5 yrs
Real estate1 parcel · 171 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of S & AH DIGITAL is 7.9% (elevated). The 2022 annual accounts show negative equity (€-513) and a net result of €-4k. Its solvency ranks better than 14% of 752 sector peers (fiscal year 2022). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
7.9% Elevated
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Young company +Higher-failure-rate sector +

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

Signals

Insufficient current data: the most recent filed accounts (financial year 2022) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide
Filed more than 90 days late
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 17-11-2023, 109 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
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 31-12-2022, that is 31-07-2023.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2022 31-07-2023 17-11-2023 109 d late 2023-00515286

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
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
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.

Financials

Turnover€18k
EBIT margin-20.3%
Net result€-4k
Working capital€-513

Annual accounts & ratios

Source: NBB · 2022
Annual accounts filed on 17-11-2023 with the NBB · fiscal year 2022 · volledig
Sector comparison
Fiscal year 2022 · NACE 47, Retail trade · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency -15.5% 20.4%
better than 14% of 752 sector peers
Net result €-4k €9k
better than 34% of 749 sector peers
Equity €-513 €82k
better than 21% of 753 sector peers
Gross operating margin €5k €150k
better than 16% of 667 sector peers
Staff costs €7k €176k
higher than 6% of 587 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2022
Depositvolledig
Revenue€18k
EBITDA-
Net profit€-4k
Cash flow-
Staff costs€7k
Income taxes-
Dividends-
Total assets€3k
Equity€-513
Debt€4k
of which ≤ 1y€4k
of which > 1y-
Working capital€-513
Employees (FTE)-
Ratios (computed)
2022
Current ratio0.87
Quick ratio0.78
Working capital ratio-15.5%
Solvency-15.5%
Debt / equity-7.47
Long-term debt ratio-
Interest coverage-
Gross margin22.5%
Net margin-20.4%
ROA-109.2%
ROE706.3%
EBITDA margin-
Days sales outstanding4d
Days payable outstanding66d
Inventory turnover42.69
Days inventory (DSI)9d
Full annual accounts (19 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€3k
Current assets 29/58€3k
Stocks & contracts in progress 3€323
Amounts receivable within one year 40/41€172
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3k
Equity 10/15€-513
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€-6k
Amounts payable 17/49€4k
Amounts payable within one year 42/48€4k
Trade debts payable within one year 44€3k
Income statement
Turnover 70€18k
Gross operating margin 9900€5k
Operating result 9901€-4k
Financial charges 65€23
Result before taxes 9903€-4k
Net result for the period 9904€-4k
Result to be appropriated 9905€-4k
Ratios computed by Checked.

Health barometer

FY 2022 · computed
25 / 100 Weak
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 2022. 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
S & AH DIGITAL
Rue Marie Henriette 49, 5000 NamurDetailhandel in onderdelen en accessoires van motorvoertuigen
since 20212.318.072.940
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area171 m²
Buildings1
Building footprint66 m²
Volume (LiDAR)656 m³
Tallest building11.7 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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92094A0185/00Z005 Wallonia 171 m² 1 · 66 m² 11.7 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

4 of 5 axes measured
Health25Profitability50Solvency41Growth-Stability79
49 / 100

Mixed profile: strong on stability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 25
Profitability 50
Solvency 41
Growth -
Stability 79

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 515 of the 6,473 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)47716Markt- en straathandel in textiel, kleding en schoeisel47820Overige detailhandel in nieuwe artikelen neg47789Markt- en straathandel in andere artikelen47890
Primary activity highlighted.
Names & trade names
Legal nameFR S & AH DIGITAL
Registered office
Rue Marie Henriette 49
5000 Namur, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.