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Christine SERVAES SERVICES

Active
Private limited companyfounded 2005active for 21 yearsRue René Copette(VD) 14, 5020 Namur, Belgium13 active companies are registered at this addressKBO/BCE: BE 0875.754.008
Summary

The computed 12-month bankruptcy probability of Christine SERVAES SERVICES is 1.6% (moderate). The 2025 annual accounts show equity of €18,544 and a net result of -€54,930. Equity remains stable across the filed financial years (±1.8% per year). The company has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
Christine SERVAES SERVICESActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
“A) aide-ménagère au domicile de l'utilisateur : nettoyage du domicile y compris les vitres,lessive…” (deed in French)
From the articles, 3 activitiesNo NACE code in the KBO yet1 site
Size
€195,922total assets 2025
Staff
37.9 FTE
Equity
€18,544
Loss
-€54,930
Financial health
53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.6%
Structure
Parent
GAMH · 100%
2025 accounts filed 28 days late4 of 6 deeds summarised
Why 53raises riskLoss of €54,930, the second in a row (financial year 2025)1 change of registered office in 24 monthsEquity €18,544 (9.5% of total assets)lowers riskLiquidity: current ratio 0.73, cash €89,008Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 19% of its sector peers (NACE 96, small)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 34-58
equity 9.5% of total assets
Liquidity 53-31
short-term debt 85.7% · cash 45.4%
Profitability 0-69
return on assets -28.0%
Bankruptcy probability, 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (348 companies, NACE 96, small)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025lowest value 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: 0.1%▲ +0.1 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.3%▲ +0.2 percentage points vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.4%▲ +0.1 percentage points vs 04-2026 06-2026: 0.3%▼ -0.1 percentage points vs 05-2026 07-2026: 0.4%▲ +0.1 percentage points vs 06-2026 08-2026: 0.7%▲ +0.3 percentage points vs 07-2026 09-2026: 1.6%▲ +0.9 percentage points vs 08-2026highest value 10-2026: 1.6%● unchanged vs 09-2026highest value
Credit of up to €500 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.73, compared with 2.51 in 2024, below 1; short-term debt: 85.7% and cash: 45.4% of total assets), and 90.5% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, small): better than 22% on solvency, 49% on liquidity, 3% on profitability and 4% on growth.

The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Loss of €54,930, the second in a row (financial year 2025)
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.73, cash €89,008
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Equity €18,544 (9.5% of total assets)
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€54,930
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
28 days late
2024
23 days early
2023
5 days early
2022
26 days early
2021
24 days late
2020
10 days late
2019
6 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 2 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
26-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Weakest financial yearnet -€54,930
  3. Resignation: SERVAES Christine (statutory director)Director discharge · Power of…

Key points

  • Caution: Result fell in 2025from -€507 to -€54,930 ▼ 10,731% View
  • Controlled by GAMH 100% View
  • Caution: 2 loss-making years in a rowloss financial year 2025 -€54,930 View
  • A director leftlatest change 25-11-2025 · 2 in office 1 left View

By topic

Financials

Financial year
2025
Total assets
€195,922
Loss
-€54,930
Solvency
9.5%
Total assets▼ 41.4%
Net result
20182025
Go to Financials

Timeline

Events
29
Since
2007
Next accounts
by 31-07-2027
  1. 07-11-2025Registered office
  2. 26-08-2025Appointments: GAMH SRL (director) and Juan Garcia…
  3. 08-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Founded
29-08-2005
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

Articles of association

Provisions read
30
Annual meeting
Second Tuesday of June at 18:00
Purpose
“A) aide-ménagère au domicile de l'utilisateur : nettoyage du domicile y compris les…” (deed in French)
Go to Articles of association

Key facts about Christine SERVAES SERVICES

What is the company number of Christine SERVAES SERVICES?
0875.754.008. In Belgium the VAT number is the company number with BE in front: BE 0875.754.008.
Where is Christine SERVAES SERVICES based?
The registered office is at Rue René Copette(VD) 14, 5020 Namur.Company details
What is the legal form of Christine SERVAES SERVICES?
Private limited company (BV).
When was Christine SERVAES SERVICES founded?
On 29-08-2005.
Is Christine SERVAES SERVICES still active?
Yes, Christine SERVAES SERVICES is an active enterprise in the KBO register.
How many employees does Christine SERVAES SERVICES have?
On average 37.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Christine SERVAES SERVICES?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is Christine SERVAES SERVICES profitable?
In financial year 2025, Christine SERVAES SERVICES made a loss of €54,930.
Where can I find the annual accounts of Christine SERVAES SERVICES?
Christine SERVAES SERVICES filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Christine SERVAES SERVICES due?
By 31-07-2027, for financial year 2026.Timeline

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