S & S INVEST
ActiveS & S INVEST has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89k and a net result of €45k. Equity is growing by ~25.8% per year across the filed fiscal years. Its solvency ranks better than 56% of 7690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+21
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 10.8 against 3.74 in 2024), and 41.9% 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○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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
58.1%
Return on assets
29.5%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
2023
on the day
2022
4 d early
2021
2 d early
2020
9 d late
2019
31 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€89k▲ 103%
2024 · €44k
2018: €12k
2019: €12k
2020: €16k
2021: €16k
2022: €6k
2023: €22k
2024: €44k
2018 → 2025
Total assets
€153k▲ 10.8%
2024 · €138k
2018: €257k
2019: €259k
2020: €265k
2021: €248k
2022: €228k
2023: €121k
2024: €138k
2018 → 2025
Net result
€45k▲ 105%
2024 · €22k
2018: €392
2019: €-209
2020: €4k
2021: €-246
2022: €-10k
2023: €16k
2024: €22k
2018 → 2025
Working capital
€73k▲ 68.9%
2024 · €43k
2018: €6k
2019: €-1k
2020: €6k
2021: €7k
2022: €12k
2023: €14k
2024: €43k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€6k▼ 62.1%€22k▲ 256%€44k▲ 101%€89k▲ 103%
Operating result€5k-€-5k€24k€33k▲ 35.9%€63k▲ 91.7%
Net result€-246-€-10k▼ 3,958%€16k€22k▲ 40.0%€45k▲ 105%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 92% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €153k
Fixed assets
€72k▼ 8.2%
Current assets
€80k▲ 36.4%
Equity and liabilities €153k
Equity
€89k▲ 103%
Provisions
€31k=
Debt
€32k▼ 48.1%
The debt ratio falls from 45.4% to 21.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€69k▲
2024 · €39k
Cash flow
€51k▲
2024 · €28k
Solvency
58.1%▲
2024 · 31.7%
Current ratio
10.80▲
2024 · 3.74
Quick ratio
9.07▲
2024 · 2.93
Debt / equity
0.37▼
2024 · 1.43
ROE
50.7%▲
2024 · 50.2%
ROA
29.5%▲
2024 · 15.9%
Interest coverage
28.32▲
2024 · 15.98
Debt
€32k▼
2024 · €63k
Debt ≤ 1 year
€7k▼
2024 · €16k
Debt > 1 year
€22k▼
2024 · €29k
Income taxes
€15k▲
2024 · €8k
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€138k€153k▲
Fixed assets21/28€79k€72k▼
Tangible fixed assets22/27€79k€72k▼
Land and buildings22€69k€66k▼
Plant, machinery and equipment23€2k€885▼
Furniture and vehicles24€8k€5k▼
Current assets29/58€59k€80k▲
Stocks and contracts in progress3€13k€13k=
Stocks30/36€13k€13k=
Amounts receivable within one year40/41€18k€15k▼
Trade receivables40€5k€4k▼
Other amounts receivable41€13k€11k▼
Cash at bank and in hand54/58€28k€53k▲
Equity and liabilities
Total equity and liabilities10/49€138k€153k▲
Equity10/15€44k€89k▲
Contributions10/11€12k€12k=
Reserves13€207€207=
Non-distributable reserves130/1€207€207=
Reserves not available under the articles1311€207€207=
Profit (loss) carried forward14€31k€76k▲
Provisions and deferred taxes16€31k€31k=
Provisions for liabilities and charges160/5€31k€31k=
Pensions and similar obligations160€31k€31k=
Amounts payable17/49€63k€32k▼
Amounts payable after more than one year17€29k€22k▼
Financial debts170/4€29k€22k▼
Amounts payable within one year42/48€16k€7k▼
Financial debts43€7k€7k▲
Credit institutions430/8€7k€7k▲
Trade debts44€331€464▲
Suppliers440/4€331€464▲
Taxes, remuneration and social security45€9k-
Taxes450/3€9k-
Accrued charges and deferred income492/3€18k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€42k€72k▲
Operating profit (loss)9901€33k€63k▲
Financial income75/76B-€57
Recurring financial income75-€57
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€30k€60k▲
Income taxes67/77€8k€15k▲
Profit (loss) for the period9904€22k€45k▲
Profit (loss) for the period to be appropriated9905€22k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€76k▲
Profit (loss) brought forward from the previous period14P€9k€31k▲
The notes to these accounts (5 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €45k ▲105%
Operating result €63k, net result €45k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 10.80
Current ratio from 3.74 to 10.80; short-term debt falls from €16k to €7k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 3.74
Current ratio from 1.46 to 3.74; short-term debt falls from €31k to €16k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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 2009
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.
Ankerstraat 1139100 Sint-NiklaasGround area
305 m²
Building footprint
314 m²
Volume, LiDAR
3,882 m³
Parcel 46443E2355/00P000, Flanders · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
S & S INVEST
since 20092.176.470.063
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46443E2355/00P000 | Flanders | 304 m² | 1 · 314 m² | 14.9 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
NELEN LOGISTICS
BE 0895.286.937
Schilde · Eq €89k
ADLL
BE 0759.404.981
Kapelle-op-den-Bos · Eq €89k
CULOT MNM
BE 0640.799.420
Londerzeel · Eq €89k
ALPHAR MONCEAU SUR SAMBRE
BE 0821.544.666
Charleroi · Eq €89k
EVOLTI
BE 0769.654.913
Kruisem · Eq €89k
Of 24,419 companies in sector 82990 we hold annual accounts for 9,361. 7,142 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2009
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.