Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 22 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
S&B INVEST from Hamont-Achel, company number BE0720628143, closed financial year 2025 with a result of € -7,680 after tax. For that financial year S&B INVEST recorded revenue of € 150,298 and equity of € 536,696. Compared with financial year 2024, the result moved from € 30,133 to € -7,680. 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 December 22, 2025.
€ 536,696
▼ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -7,680
▼ still € 30,133 profit in 2024
Profit after tax over the fiscal year.
€ 3,582
▼ 48% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 84,550.
Debts at end 2025
€ 1.8 million
▼ 11% vs 2024
€ 245,601 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 5,205
▲ 43% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 124 days on average.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 129,306 | € 140,541 | € 143,322 | € 150,298 | ▲ 5% |
| Profit after taxes | € 20,799 | € 20,532 | € 30,133 | € -7,680 | ▼ € 37,813 |
| Equity | € 493,711 | € 514,243 | € 544,376 | € 536,696 | ▼ 1% |
| Total debts | € 2,030,641 | € 2,022,337 | € 2,132,175 | € 2,043,044 | ▼ 4% |
| Cash | € 7,203 | € 5,178 | € 6,899 | € 3,582 | ▼ 48% |
| Land & buildings | € 443,538 | € 378,845 | € 792,091 | € 703,240 | ▼ 11% |
| Retained profit | € 41,565 | € 62,097 | € 92,230 | € 84,550 | ▼ 8% |
| Bank debt | € 1,891,361 | € 1,832,816 | € 2,002,821 | € 1,784,298 | ▼ 11% |
| Balance sheet total | € 2,524,352 | € 2,536,579 | € 2,676,551 | € 2,579,740 | ▼ 4% |
Key figures of S&B INVEST, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to S&B INVEST?
What happened at S&B INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 7,680 (▼ € 37,813 vs 2024). Source: NBB ↗
- New establishment in Hamont-Achel. KBO
- Bensar became a director. NBB
- Benal became a director. NBB
- Sarah Spaas became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 20,799 profit in 2022 to € 7,680 loss in 2025.
Paid € 24,085 in corporate taxes since 2022.
Best year ever: 2024, with € 30,133 profit.
Pays suppliers within 124 days on average.
A new publication or filing at S&B INVEST? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind S&B INVEST are Bensar, Benal and Sarah Spaas. The same people are also behind SPAAS KAARSEN. Benal is also behind BENSAR. Sarah Spaas is also behind BENSAR and Flambo.
Directors
According to the 2025 annual accounts
since 2019
since 2019
since 2019
Establishments
Establishment units
Physical locations of this company
Industriestraat 11
3930 Hamont-Achel
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
OVH, FR
Domain
Domain
spaas.eu
Registrar
Combell NV
Website info
Features
Security
Details
- Company number
- 0720.628.143
- VAT number
- BE 0720.628.143
- Registered office
- Industriestraat 11, 3930 Hamont-Achel
- Names & denominations
- S&B INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 February 2019
- Peppol
- Active · Active since 23 Feb 2026
- Contact
- spaas.eu
- Activities · NACE
Activiteiten van holdings
Holdings