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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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Age2 yrs
Real estate1 parcel · 1,451 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of S&T is 5.5% (elevated). The 2024 annual accounts show negative equity (€-22k) and a net result of €-23k. Its solvency ranks better than 12% of 2254 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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone5.5%
Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector
+Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts 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-wideDeadline 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 30-08-2025, 30 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 | 30-08-2025 | 30 d late | 2025-00455813 |
| 31-12-2023 | 31-07-2024 | 29-07-2024 | 2 d early | 2024-00304790 |
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 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
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
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-23k-148.9%
Working capital€-46k-34.6%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 30-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 49, Land transport · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -22.1% | 27.4% | |
| Net result | €-23k | €6k | |
| Equity | €-22k | €17k | |
| Gross operating margin | €48k | €28k | |
| Staff costs | €44k | €36k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€2k
-
23-24
€-23k
-148.9%
23-24
€-4k
+7.4%
23-24
€101k
-1.0%
23-24
€-22k
-
23-24
€-46k
-34.6%
23-24
€44k
-
23-24
€124k
+21.7%
23-24
€68k
+77.9%
23-24
€56k
-12.1%
23-24
0.32
+226.1%
23-24
0.32
+226.1%
23-24
-22.1%
-
23-24
-5.53
-
23-24
103.3%
-
23-24
-22.8%
-151.5%
23-24
0.31
-
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €2k |
| Net profit | €-23k |
| Cash flow | €-4k |
| Staff costs | €44k |
| Income taxes | - |
| Dividends | - |
| Total assets | €101k |
| Equity | €-22k |
| Debt | €124k |
| of which ≤ 1y | €68k |
| of which > 1y | €56k |
| Working capital | €-46k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.32 |
| Quick ratio | 0.32 |
| Working capital ratio | -45.8% |
| Solvency | -22.1% |
| Debt / equity | -5.53 |
| Long-term debt ratio | -2.49 |
| Interest coverage | 0.31 |
| Gross margin | - |
| Net margin | - |
| ROA | -22.8% |
| ROE | 103.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
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 | €101k |
| Fixed assets | 21/28 | €80k |
| Tangible fixed assets | 22/27 | €71k |
| Financial fixed assets | 28 | €9k |
| Current assets | 29/58 | €22k |
| Amounts receivable within one year | 40/41 | €19k |
| Cash & bank | 54/58 | €2k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €101k |
| Equity | 10/15 | €-22k |
| Contributions / capital | 10/11 | €10k |
| Accumulated profits (losses) | 14 | €-32k |
| Amounts payable | 17/49 | €124k |
| Amounts payable after one year | 17 | €56k |
| Amounts payable within one year | 42/48 | €68k |
| Trade debts payable within one year | 44 | €5k |
| Income statement | ||
| Gross operating margin | 9900 | €48k |
| Operating result | 9901 | €-17k |
| Financial charges | 65 | €6k |
| Result before taxes | 9903 | €-23k |
| Net result for the period | 9904 | €-23k |
| Result to be appropriated | 9905 | €-23k |
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 · computed7
/ 100
Critical
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 registerEstablishment units
1 locationS&T
since 20232.349.168.962
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,451 m²
Buildings1
Building footprint238 m²
Volume (LiDAR)1,455 m³
Tallest building11.4 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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. |
|---|---|---|---|---|
| 41073A0641/00Z000 | Flanders | 1,451 m² | 1 · 238 m² | 11.4 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
Belgisch Staatsblad · acts
2 acts Address history · 1
05-12-2025
v3.2
All acts · 2
updated 8 months ago
2025
05-12-2025 Registered office moved from NINOVE to Voorde
- Pamelstraat 324, 9400 NINOVE → Geraardsbergsesteenweg 605, 9400 Voorde
Summary:
v3.2
2023
06-09-2023 Incorporation of a new BV
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes51
/ 100
Mixed profile: strong on profitability, weaker on health.
All 5 axes are computed from data Checked has read.
Health
7
Profitability
100
Solvency
33
Growth
32
Stability
82
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Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 2,163 of the 12,432 companies in this sector. 298 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Goederenvervoer over de weg, m.u.v. verhuisbedrijven49410Goederenvervoer over de weg49410Verhuur en lease van personenauto's en lichte bestelwagens (< 3,5 ton)77110Verhuur en lease van personenauto’s en andere lichte motorvoertuigen77110
Primary activity highlighted.
Names & trade names
| Legal nameNL | S&T |
Registered office
Geraardsbergsesteenweg(Voo) 605
9400 Ninove, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.