S&B BATY
ActiveThe computed 12-month bankruptcy probability of S&B BATY is 2.3% (moderate). The 2025 annual accounts show equity of €29k and a net result of €-2k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 27619 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-51
Solvency99▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.64 against 2.96 in 2024; short-term debt: 25.7% and cash: 37.7% of total assets), and 25.7% 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.
+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 →
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
74.3%
Return on assets
-5%
Age of the figures
9 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
22 d early
2024
41 d early
2023
1 d early
2022
74 d late
2021
439 d late
2020
662 d late
2019
1168 d late
← 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, micro schema
Equity
€29k▼ 6.4%
2024 · €30k
2018: €7k
2019: €12k
2020: €-11k
2021: €16k
2022: €30k
2023: €23k
2024: €30k
2018 → 2025
Total assets
€38k▼ 13.4%
2024 · €44k
2018: €7k
2019: €14k
2020: €16k
2021: €51k
2022: €64k
2023: €33k
2024: €44k
2018 → 2025
Net result
€-2k
2024 · €7k
2018: €991
2019: €5k
2020: €-23k
2021: €16k
2022: €11k
2023: €-6k
2024: €7k
2018 → 2025
Working capital
€26k▼ 4.6%
2024 · €27k
2018: €3k
2019: €10k
2020: €-12k
2021: €12k
2022: €26k
2023: €18k
2024: €27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€30k▲ 83.4%€23k▼ 21.6%€30k▲ 31.3%€29k▼ 6.4%
Operating result€18k-€14k▼ 23.9%€-5k€9k€-2k
Net result€16k-€11k▼ 33.3%€-6k€7k€-2k
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 €2k after €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€2k▼ 21.8%
Current assets
€36k▼ 12.8%
Equity and liabilities €38k
Equity
€29k▼ 6.4%
Debt
€10k▼ 28.9%
The debt ratio falls from 31.3% to 25.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€1k▼
2024 · €13k
Cash flow
€870▼
2024 · €11k
Solvency
74.3%▲
2024 · 68.7%
Current ratio
3.64▲
2024 · 2.96
Quick ratio
3.64▲
2024 · 2.96
Debt / equity
0.35▼
2024 · 0.46
ROE
-6.8%▼
2024 · 23.8%
ROA
-5.0%▼
2024 · 16.4%
Interest coverage
3.05▼
2024 · 28.64
Debt
€10k▼
2024 · €14k
Debt ≤ 1 year
€10k▼
2024 · €14k
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€44k€38k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€438€249▼
Furniture and vehicles24€405€2k▲
Leasing and similar rights25€2k-
Financial fixed assets28€80€80=
Current assets29/58€41k€36k▼
Amounts receivable after more than one year29€14k€11k▼
Other amounts receivable291€14k€11k▼
Amounts receivable within one year40/41€12k€10k▼
Trade receivables40€11k€9k▼
Other amounts receivable41€573€1k▲
Cash at bank and in hand54/58€14k€14k▲
Deferred charges and accrued income490/1€2k€325▼
Equity and liabilities
Total equity and liabilities10/49€44k€38k▼
Equity10/15€30k€29k▼
Contributions10/11€16k€16k=
Profit (loss) carried forward14€14k€12k▼
Amounts payable17/49€14k€10k▼
Amounts payable within one year42/48€14k€10k▼
Current portion of amounts payable after more than one year42€2k-
Trade debts44€10k€3k▼
Suppliers440/4€10k€3k▼
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k-
Remuneration and social security454/9-€4k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€167€219▲
Gross operating margin9900€13k€1k▼
Operating profit (loss)9901€9k€-2k▼
Financial income75/76B€1k€164▼
Recurring financial income75€1k€164▼
Financial charges65/66B€444€345▼
Recurring financial charges65€444€345▼
Profit (loss) for the period before taxes9903€9k€-2k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€7k€-2k▼
Profit (loss) for the period to be appropriated9905€7k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€12k▼
Profit (loss) brought forward from the previous period14P€7k€14k▲
The notes to these accounts (8 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 74 days late
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 439 days late
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 1168 days late
24-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 662 days late
2021
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.46
Current ratio from 0.58 to 1.46; short-term debt falls from €28k to €26k.
2020
31-12
Financial
Weakest financial yearnet €-23k ▼596%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Anderlecht · 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.
Henri Caronstraat 361070 AnderlechtGround area
477 m²
Building footprint
108 m²
Volume, LiDAR
1,369 m³
Parcel 21302A0119/00V006, Brussels · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
S&B BATY
since 20182.276.595.839
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0119/00V006 | Brussels | 477 m² | 1 · 108 m² | 15.5 m · 4 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
MAXIME PEERBOOM
BE 1008.125.750
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SOTRO
BE 0748.957.586
Fexhe-le-Haut-Clocher · Eq €28k
MB Aménagements
BE 0697.985.769
Hastière · Eq €29k
GRONDWERKEN BRECHT VERSYCK
BE 1018.624.021
Hooglede · Eq €28k
FFIXHOME
BE 1009.699.229
Bilzen-Hoeselt · Eq €28k
Of 8,454 companies in sector 43120 we hold annual accounts for 3,232. 2,192 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2018
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
43130Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43990Other specialised construction activities
43992Specialised construction activities
43999Specialised construction activities
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.