Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
S B & V from Geetbets, company number BE0453333854, closed financial year 2025 with a result of € -28,804 after tax. For that financial year S B & V recorded a gross margin of € 56,746 and equity of € 147,505. Compared with financial year 2024, the result moved from € -162,516 to € -28,804. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 27, 2026.
€ 147,505
▼ 16% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -28,804
▲ 82 % less loss than in 2024
Profit after tax over the fiscal year.
€ 78
▼ 98% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -135,469.
Debts at end 2025
€ 369,723
▼ 15% vs 2024
€ 42,569 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 15,425
▲ 145% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 7,111
▼ 72% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 149,763 | € 44,640 | € 49,023 | € 56,746 | ▲ 16% |
| Profit after taxes | € 61,832 | € -89,095 | € -162,516 | € -28,804 | ▲ € 133,712 |
| Equity | € 149,623 | € 60,529 | € 176,310 | € 147,505 | ▼ 16% |
| Total debts | € 705,104 | € 647,478 | € 750,750 | € 715,985 | ▼ 5% |
| Cash | € 191 | € 117 | € 4,137 | € 78 | ▼ 98% |
| Land & buildings | € 727,256 | € 682,649 | € 916,340 | € 857,818 | ▼ 6% |
| Retained profit | € 131,031 | € 41,937 | € -120,580 | € -135,469 | ▼ € 14,889 |
| Bank debt | € 575,075 | € 502,902 | € 434,032 | € 369,723 | ▼ 15% |
| Balance sheet total | € 854,727 | € 708,006 | € 927,060 | € 863,490 | ▼ 7% |
Key figures of S B & V, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to S B & V?
What happened at S B & V in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 28,804. filed late Source: NBB ↗
- Rita Vanderspikken became a director. NBB
- Stefan Baens became a director. NBB
- New establishment in Geetbets. KBO
- Start of the company according to the CBE. KBO
In short
From € 61,832 profit in 2022 to € 28,804 loss in 2025.
Paid € 0 in corporate taxes since 2022.
Best year ever: 2022, with € 61,832 profit.
Management
Behind S B & V are Rita Vanderspikken and Stefan Baens.
Directors
According to the 2025 annual accounts
Rita Vanderspikken
Director
since 2017
Stefan Baens
Director
since 2017
Establishments
Establishment units
Physical locations of this company
Galgestraat 62
3454 Geetbets
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0453.333.854
- VAT number
- BE 0453.333.854
- Registered office
- Galgestraat 62, 3454 Geetbets
- Names & denominations
- S B & V
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 September 1994
- Peppol
- Active · Active since 13 Jan 2026
- Activities · NACE
Groothandel in bouwmaterialen, algemeen assortiment