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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Tight liquidity NBB
Cash and receivables cover 20 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
S&J SERVICES from Lubbeek, company number BE0843324730, closed financial year 2025 with a result of € 15,319 after tax. For that financial year S&J SERVICES recorded a gross margin of € 30,026 and equity of € 227,320. Compared with financial year 2024, the result moved from € -37,319 to € 15,319. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 28, 2026.
€ 227,320
▲ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 15,319
▲ still € 37,319 loss in 2024
Profit after tax over the fiscal year.
€ 187
▼ 93% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 221,318.
People and assets in 2025
€ 3,617
▼ 29% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 269,475
▼ 13% vs 2024
€ 32,558 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 4,833
▲ € 3,997 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 4,727
▲ € 3,699 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 | € 201,638 | € -34,042 | € -11,658 | € 30,026 | ▲ € 41,683 |
| Profit after taxes | € 16,949 | € -75,839 | € -37,319 | € 15,319 | ▲ € 52,638 |
| Equity | € 325,159 | € 249,320 | € 212,001 | € 227,320 | ▲ 7% |
| Total debts | € 422,825 | € 387,104 | € 359,046 | € 330,789 | ▼ 8% |
| Cash | € 107,033 | € 21,057 | € 2,610 | € 187 | ▼ 93% |
| Land & buildings | € 130,887 | € 123,104 | € 115,322 | € 107,539 | ▼ 7% |
| Retained profit | € 319,157 | € 243,318 | € 205,999 | € 221,318 | ▲ 7% |
| Bank debt | € 394,061 | € 352,986 | € 311,309 | € 269,475 | ▼ 13% |
| Balance sheet total | € 747,984 | € 636,423 | € 571,047 | € 558,109 | ▼ 2% |
Key figures of S&J SERVICES, 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&J SERVICES?
What happened at S&J SERVICES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 15,319. Source: NBB ↗
- Sammy Aboul Laban became a director. NBB
- New establishment in Lubbeek. KBO
- New establishment in Lubbeek. KBO
- Start of the company according to the CBE. KBO
In short
From € 16,949 profit in 2022 to € 15,319 profit in 2025.
Paid € 11,810 in corporate taxes since 2022.
Best year ever: 2022, with € 16,949 profit.
Management
Behind S&J SERVICES is Sammy Aboul Laban. It owns 95% of Verkoop Aankoop Innovaties itself.
Directors
According to the 2025 annual accounts
Sammy Aboul Laban
Director
since 2022
Establishments
Establishment units
Physical locations of this company
Knapzak(LIN) 3
3210 Lubbeek
Diestsesteenweg(LIN) 3
3210 Lubbeek
Active since 24 September 2019
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.
Details
- Company number
- 0843.324.730
- VAT number
- BE 0843.324.730
- Registered office
- Knapzak(LIN) 3, 3210 Lubbeek
- Names & denominations
- S&J SERVICES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 January 2012
- Peppol
- Active · Active since 17 Feb 2025
- Activities · NACE
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