S Holding

Active

Private limited company·Algemene bouw van residentiële gebouwen· 3 yrs active

Beverlosesteenweg 40 ·3583 Beringen, Belgium

Health 71/100 Healthy Risk: moderate

KBO/BCE: BE 0803.103.382

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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age3 yrs

Real estate1 parcel · 360 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of S Holding is 2.6% (moderate). The 2024 annual accounts show equity of €31k and a net result of €18k. Its solvency ranks better than 69% of 3827 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 14 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-08-2025, 16 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.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. 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 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	16-08-2025	16 d late	2025-00380039
31-12-2023	31-07-2024	26-08-2024	26 d late	2024-00374065

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 2023, 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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.6% Moderate

0%0,5%1,5%4%10%≥25%

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?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€18k+142.6%

Working capital€-23k

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 16-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	56.2%	39.4%	better than 69% of 3827 sector peers
Net result	€18k	€9k	better than 65% of 3824 sector peers
Equity	€31k	€29k	better than 53% of 3832 sector peers
Gross operating margin	€35k	€26k	better than 58% of 3822 sector peers
Total assets	€56k	€85k	better than 35% of 3828 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€34k

+244.3% 23-24

Net profit

€18k

+142.6% 23-24

Cash flow

€28k

+263.1% 23-24

Total assets

€56k

+173.3% 23-24

Equity

€31k

+133.9% 23-24

Working capital

€-23k

- 23-24

Staff costs

€385

- 23-24

Income taxes

€5k

+167.6% 23-24

Debt

€24k

+248.6% 23-24

Debt ≤ 1y

€24k

+248.6% 23-24

Current ratio

0.07

-96.3% 23-24

Quick ratio

0.07

-96.3% 23-24

Solvency

56.2%

-14.4% 23-24

Debt / equity

0.78

+49.0% 23-24

ROE

57.3%

+3.7% 23-24

ROA

32.2%

-11.2% 23-24

Interest coverage

363.15

-44.2% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€34k
Net profit	€18k
Cash flow	€28k
Staff costs	-
Income taxes	€5k
Dividends	-
Total assets	€56k
Equity	€31k
Debt	€24k
of which ≤ 1y	€24k
of which > 1y	-
Working capital	€-23k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.07
Quick ratio	0.07
Working capital ratio	-40.6%
Solvency	56.2%
Debt / equity	0.78
Long-term debt ratio	-
Interest coverage	363.15
Gross margin	-
Net margin	-
ROA	32.2%
ROE	57.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €54k · 96.8% Current assets €2k · 3.2%

Equity & liabilities

Equity €31k · 56.2% Debt €24k · 43.8%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€56k
Fixed assets	21/28	€54k
Tangible fixed assets	22/27	€54k
Current assets	29/58	€2k
Amounts receivable within one year	40/41	€807
Cash & bank	54/58	€613
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€56k
Equity	10/15	€31k
Contributions / capital	10/11	€6k
Accumulated profits (losses)	14	€25k
Amounts payable	17/49	€24k
Amounts payable within one year	42/48	€24k
Trade debts payable within one year	44	€403
Income statement
Gross operating margin	9900	€35k
Operating result	9901	€23k
Financial income	75	€57
Financial charges	65	€93
Result before taxes	9903	€23k
Income taxes	67/77	€5k
Net result for the period	9904	€18k
Result to be appropriated	9905	€18k

You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

71 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. 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 Holding

Beverlosesteenweg 40, 3583 BeringenAlgemene bouw van residentiële gebouwen

since 20232.347.279.541

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area360 m²

Buildings1

Building footprint104 m²

Volume (LiDAR)671 m³

Tallest building10.6 m · ±2 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.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71049B1346/00E000	Flanders	360 m²	1 · 104 m²	10.6 m · 2 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

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. 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

Snowflake analysis

financial profile on 5 axes

81 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 71

Profitability 100

Solvency 64

Growth 78

Stability 94

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