CELINE SERAN
ActiveCELINE SERAN has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €-963. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 95% of 9386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
62
/ 100
Healthy▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 66.45 against 8.14 in 2024), and 1.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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 2025Solvency, return and age of the figures
Solvency
98.5%
Return on assets
-4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
29 d late
2022
20 d late
2021
26 d late
2020
31 d late
2019
70 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▼ 3.9%
2024 · €25k
2018: €28k
2019: €29k
2020: €28k
2021: €27k
2022: €27k
2023: €26k
2024: €25k
2018 → 2025
Total assets
€24k▼ 14.4%
2024 · €28k
2018: €35k
2019: €31k
2020: €32k
2021: €32k
2022: €28k
2023: €28k
2024: €28k
2018 → 2025
Net result
€-963▼ 1.4%
2024 · €-950
2018: €654
2019: €588
2020: €-830
2021: €-630
2022: €-688
2023: €-1k
2024: €-950
2018 → 2025
Working capital
€24k▼ 3.9%
2024 · €25k
2018: €28k
2019: €29k
2020: €28k
2021: €27k
2022: €27k
2023: €26k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€27k▼ 2.5%€26k▼ 4.3%€25k▼ 3.7%€24k▼ 3.9%
Operating result€-582-€-640▼ 9.9%€-916▼ 43.2%€-875▲ 4.5%€-846▲ 3.3%
Net result€-630-€-688▼ 9.1%€-1k▼ 65.9%€-950▲ 16.8%€-963▼ 1.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €846 in 2025 against €875 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €24k
Equity
€24k▼ 3.9%
Debt
€362▼ 89.5%
The debt ratio falls from 12.3% to 1.5%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
98.5%▲
2024 · 87.7%
Current ratio
66.45▲
2024 · 8.14
Quick ratio
66.45▲
2024 · 8.14
Debt / equity
0.02▼
2024 · 0.14
ROE
-4.1%▼
2024 · -3.9%
ROA
-4.0%▼
2024 · -3.4%
Debt
€362▼
2024 · €3k
Debt ≤ 1 year
€362▼
2024 · €3k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€28k€24k▼
Current assets29/58€28k€24k▼
Amounts receivable after more than one year29€19k€15k▼
Other amounts receivable291€19k€15k▼
Cash at bank and in hand54/58€5k€5k▼
Deferred charges and accrued income490/1€4k€4k=
Equity and liabilities
Total equity and liabilities10/49€28k€24k▼
Equity10/15€25k€24k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€17k€16k▼
Amounts payable17/49€3k€362▼
Amounts payable within one year42/48€3k€362▼
Trade debts44-€73
Suppliers440/4-€73
Other amounts payable47/48€3k€290▼
Income statement
Code20242025
Gross operating margin9900€-875€-846▲
Operating profit (loss)9901€-875€-846▲
Financial charges65/66B€75€117▲
Recurring financial charges65€75€117▲
Profit (loss) for the period before taxes9903€-950€-963▼
Profit (loss) for the period9904€-950€-963▼
Profit (loss) for the period to be appropriated9905€-950€-963▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€16k▼
Profit (loss) brought forward from the previous period14P€18k€17k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity times 8current ratio 66.45
Current ratio from 8.14 to 66.45; short-term debt falls from €3k to €362.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-1k
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 20 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 19.31
Current ratio from 6.65 to 19.31; short-term debt falls from €5k to €1k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 13.05
Current ratio from 4.99 to 13.05; short-term debt falls from €7k to €2k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Gillis (bij-Brussel)
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.
Spanjestraat 391060 Sint-Gillis (bij-Brussel)Ground area
123 m²
Building footprint
87 m²
Volume, LiDAR
1,067 m³
Parcel 21013B0326/00W005, Brussels · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0326/00W005 | Brussels | 123 m² | 1 · 87 m² | 17.8 m · 5 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
Architectenvennootschap TOKO
BE 0435.307.591
Lier · Eq €24k
Kaijù
BE 0742.498.673
Sint-Gillis (bij-Brussel) · Eq €24k
R WORKS
BE 0677.928.050
Koksijde · Eq €24k
A.J.B. INTERIEUR
BE 0457.572.754
Elsene · Eq €24k
REAL MANAGEMENT COMPANY
BE 0439.738.117
Sint-Lambrechts-Woluwe · Eq €24k
Of 3,911 companies in sector 71112 we hold annual accounts for 1,290. 991 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-12-2012
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.