S & V BEZETTINGSWERKEN
ActiveS & V BEZETTINGSWERKEN has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €7k and a net result of €7k. Equity is shrinking by ~25.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 24% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability97▲+31
Solvency47▲+23
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 →
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
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 2024Solvency, return and age of the figures
Solvency
22.1%
Return on assets
22.9%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 36375 sector peers (2024).
NBB · sector comparisonPosition among 36375 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
5 d early
2022
34 d early
2021
78 d late
2020
26 d late
2019
29 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€7k
2023 · €-233
2018: €2k
2019: €2k
2020: €315
2021: €-9k
2022: €205
2023: €-233
2018 → 2024
Total assets
€30k▲ 37.3%
2023 · €22k
2018: €74k
2019: €58k
2020: €47k
2021: €39k
2022: €40k
2023: €22k
2018 → 2024
Net result
€7k
2023 · €-438
2018: €272
2019: €-607
2020: €-1k
2021: €-9k
2022: €9k
2023: €-438
2018 → 2024
Working capital
€-15k▲ 24.5%
2023 · €-20k
2018: €-20k
2019: €-17k
2020: €-20k
2021: €-29k
2022: €-21k
2023: €-20k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€315-€-9k€205€-233€7k
Operating result€273-€-7k€12k€2k▼ 86.2%€12k▲ 628%
Net result€-1k-€-9k▼ 561%€9k€-438€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 628% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €30k
Fixed assets
€21k▲ 10.6%
Current assets
€9k▲ 246%
Equity and liabilities €30k
Equity
€7k
Debt
€23k
Debt finances 77.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€19k▲
2023 · €7k
Cash flow
€14k▲
2023 · €5k
Solvency
22.1%▲
2023 · -1.1%
Current ratio
0.37▲
2023 · 0.11
Quick ratio
0.37▲
2023 · 0.11
Debt / equity
3.53
ROE
103.5%
ROA
22.9%▲
2023 · -2.0%
Interest coverage
34.48▲
2023 · 6.96
Debt
€23k▲
2023 · €22k
Debt ≤ 1 year
€23k▲
2023 · €22k
Income taxes
€5k▲
2023 · €1k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€22k€30k▲
Fixed assets21/28€19k€21k▲
Tangible fixed assets22/27€19k€21k▲
Land and buildings22€10k€9k▼
Plant, machinery and equipment23€6k€6k▼
Furniture and vehicles24€3k€7k▲
Current assets29/58€2k€9k▲
Amounts receivable within one year40/41€1k€4k▲
Trade receivables40€907€3k▲
Other amounts receivable41€310€1k▲
Cash at bank and in hand54/58€1k€4k▲
Deferred charges and accrued income490/1€155€115▼
Equity and liabilities
Total equity and liabilities10/49€22k€30k▲
Equity10/15€-233€7k▲
Contributions10/11€10k€10k=
Reserves13€16k€16k=
Tax-exempt reserves132€840€840=
Distributable reserves133€15k€15k=
Profit (loss) carried forward14€-26k€-19k▲
Amounts payable17/49€22k€23k▲
Amounts payable within one year42/48€22k€23k▲
Current portion of amounts payable after more than one year42€602-
Trade debts44€2k€928▼
Suppliers440/4€2k€928▼
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€1k€6k▲
Taxes450/3€1k€6k▲
Other amounts payable47/48€16k€14k▼
Income statement
Code20232024
Non-recurring operating income76A€7k-
Remuneration, social security and pensions62€15k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€25k€21k▼
Operating profit (loss)9901€2k€12k▲
Financial income75/76B€7€26▲
Recurring financial income75€7€26▲
Financial charges65/66B€1k€547▼
Recurring financial charges65€1k€547▼
Profit (loss) for the period before taxes9903€614€11k▲
Income taxes67/77€1k€5k▲
Profit (loss) for the period9904€-438€7k▲
Profit (loss) for the period to be appropriated9905€-438€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-19k▲
Profit (loss) brought forward from the previous period14P€-26k€-26k▼
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
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.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after 3 loss-making years.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
29-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 56 days late
2016
12-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 12 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, Haacht · 1 establishment unit since 1997
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.
Kleine Appelstraat 133150 HaachtGround area
2,346 m²
Building footprint
159 m²
Volume, LiDAR
923 m³
Parcel 24033F0475/00E002, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S & V BEZETTINGSWERKEN
since 19972.080.343.360
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24033F0475/00E002 | Flanders | 2,346 m² | 1 · 159 m² | 10.2 m · 2 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
Easy Stuc
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ABC PLAKWERKEN
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DYNAMIK-CONSTRUCT
BE 0811.788.446
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CITY PLAK
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Pleisterwerken Steven Van Lancker
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Of 4,010 companies in sector 43310 we hold annual accounts for 1,745. 885 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-1996
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
71113Urban planning and landscape architecture
01410Raising of dairy cattle
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 28 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.