HUMAN SERENDIPITY
ActiveSummary
HUMAN SERENDIPITY has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €6k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 78% of 7058 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▼-9
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 4.01 against 2.76 in 2024; short-term debt: 19% and cash: 67.6% of total assets), and 19% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
81%
Return on assets
4.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
38 d early
2023
14 d early
2022
38 d early
2021
18 d late
2020
2 d early
2019
22 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▲ 5.7%
2024 · €107k
2018: €51k
2019: €41k▼ -20.1% vs 2018lowest in 8 years
2020: €46k▲ +12.2% vs 2019
2021: €63k▲ +36.8% vs 2020
2022: €75k▲ +19.6% vs 2021
2023: €90k▲ +20.0% vs 2022
2024: €107k▲ +17.9% vs 2023
2025: €113k▲ +5.7% vs 2024highest in 8 years
2018 → 2025
Total assets
€139k▼ 1.5%
2024 · €141k
2018: €63k
2019: €66k▲ +4.6% vs 2018
2020: €54k▼ -17.1% vs 2019lowest in 8 years
2021: €78k▲ +43.9% vs 2020
2022: €88k▲ +11.9% vs 2021
2023: €133k▲ +51.6% vs 2022
2024: €141k▲ +6.3% vs 2023highest in 8 years
2025: €139k▼ -1.5% vs 2024
2018 → 2025
Net result
€6k▼ 62.4%
2024 · €16k
2018: €8k
2019: €8k▼ -2.2% vs 2018
2020: €5k▼ -38.9% vs 2019lowest in 8 years
2021: €17k▲ +238% vs 2020
2022: €12k▼ -27.0% vs 2021
2023: €23k▲ +90.0% vs 2022highest in 8 years
2024: €16k▼ -31.1% vs 2023
2025: €6k▼ -62.4% vs 2024
2018 → 2025
Working capital
€80k▲ 30.6%
2024 · €61k
2018: €50k
2019: €34k▼ -31.6% vs 2018
2020: €42k▲ +20.8% vs 2019
2021: €53k▲ +27.7% vs 2020
2022: €68k▲ +27.3% vs 2021
2023: €34k▼ -50.1% vs 2022lowest in 8 years
2024: €61k▲ +80.5% vs 2023
2025: €80k▲ +30.6% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€75k▲ 19.6%€90k▲ 20.0%€107k▲ 17.9%€113k▲ 5.7%
2021: €63klowest in 5 years
2022: €75k▲ +19.6% vs 2021
2023: €90k▲ +20.0% vs 2022
2024: €107k▲ +17.9% vs 2023
2025: €113k▲ +5.7% vs 2024highest in 5 years
Operating result€25k-€20k▼ 19.2%€29k▲ 44.9%€25k▼ 13.3%€9k▼ 62.7%
2021: €25k
2022: €20k▼ -19.2% vs 2021
2023: €29k▲ +44.9% vs 2022highest in 5 years
2024: €25k▼ -13.3% vs 2023
2025: €9k▼ -62.7% vs 2024lowest in 5 years
Net result€17k-€12k▼ 27.0%€23k▲ 90.0%€16k▼ 31.1%€6k▼ 62.4%
2021: €17k
2022: €12k▼ -27.0% vs 2021
2023: €23k▲ +90.0% vs 2022highest in 5 years
2024: €16k▼ -31.1% vs 2023
2025: €6k▼ -62.4% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 63% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €139k
Fixed assets
€33k ▼ 27.4%
Current assets
€106k ▲ 10.9%
Equity and liabilities €139k
Equity
€113k ▲ 5.7%
Debt
€26k ▼ 23.7%
Debt's share of the balance-sheet total falls from 24.5% to 19.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €38k
Cash flow
€19k▼
2024 · €29k
Current ratio
4.01▲
2024 · 2.76
Debt to equity
0.23▼
2024 · 0.32
ROE
5.4%▼
2024 · 15.2%
ROA
4.4%▼
2024 · 11.5%
Interest coverage
91.87▲
2024 · 63.62
Debt ≤ 1 year
€26k▼
2024 · €35k
Income taxes
€4k▼
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€141k€139k▼
Fixed assets21/28€46k€33k▼
Tangible fixed assets22/27€46k€33k▼
Plant, machinery and equipment23€416-
Furniture and vehicles24€45k€33k▼
Current assets29/58€95k€106k▲
Amounts receivable within one year40/41€3k€12k▲
Trade receivables40€3k€12k▲
Other amounts receivable41€160-
Cash at bank and in hand54/58€92k€94k▲
Equity and liabilities
Total equity and liabilities10/49€141k€139k▼
Equity10/15€107k€113k▲
Contributions10/11€12k€12k=
Reserves13€84k€90k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€82k€88k▲
Profit (loss) carried forward14€10k€10k=
Amounts payable17/49€35k€26k▼
Amounts payable within one year42/48€35k€26k▼
Trade debts44€9k€8k▼
Suppliers440/4€9k€8k▼
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€6k▲
Other amounts payable47/48€23k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Other operating charges640/8€62€168▲
Gross operating margin9900€38k€23k▼
Operating profit (loss)9901€25k€9k▼
Financial income75/76B€677€725▲
Recurring financial income75€677€725▲
Financial charges65/66B€601€244▼
Recurring financial charges65€601€244▼
Profit (loss) for the period before taxes9903€25k€10k▼
Income taxes67/77€9k€4k▼
Profit (loss) for the period9904€16k€6k▼
Profit (loss) for the period to be appropriated9905€16k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€16k▼
Profit (loss) brought forward from the previous period14P€10k€10k=
Transfer to equity691/2€16k€6k▼
To other reserves6921€16k€6k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €2k | €9k | €13k | €13k | = |
| Other operating charges640/8 | €518 | €541 | €278 | €62 | €168 | ▲ 171% |
| Gross operating margin9900 | €30k | €23k | €38k | €38k | €23k | ▼ 40.9% |
| Operating profit (loss)9901 | €25k | €20k | €29k | €25k | €9k | ▼ 62.7% |
| Financial income75/76B | - | - | €259 | €677 | €725 | ▲ 7.0% |
| Recurring financial income75 | - | - | €259 | €677 | €725 | ▲ 7.0% |
| Financial charges65/66B | €160 | €178 | €275 | €601 | €244 | ▼ 59.3% |
| Recurring financial charges65 | €160 | €178 | €275 | €601 | €244 | ▼ 59.3% |
| Profit (loss) for the period before taxes9903 | €25k | €20k | €29k | €25k | €10k | ▼ 60.9% |
| Income taxes67/77 | €8k | €7k | €5k | €9k | €4k | ▼ 58.3% |
| Profit (loss) for the period9904 | €17k | €12k | €23k | €16k | €6k | ▼ 62.4% |
| Profit (loss) for the period to be appropriated9905 | €17k | €12k | €23k | €16k | €6k | ▼ 62.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €78k | €88k | €133k | €141k | €139k | ▼ 1.5% |
| Fixed assets21/28 | €10k | €8k | €57k | €46k | €33k | ▼ 27.4% |
| Tangible fixed assets22/27 | €10k | €8k | €57k | €46k | €33k | ▼ 27.4% |
| Plant, machinery and equipment23 | €2k | €1k | €831 | €416 | - | - |
| Furniture and vehicles24 | €8k | €6k | €56k | €45k | €33k | ▼ 26.8% |
| Current assets29/58 | €68k | €80k | €76k | €95k | €106k | ▲ 10.9% |
| Amounts receivable within one year40/41 | €5k | €2k | €5k | €3k | €12k | ▲ 253% |
| Trade receivables40 | €3k | €484 | €5k | €3k | €12k | ▲ 270% |
| Other amounts receivable41 | €2k | €1k | - | €160 | - | - |
| Cash at bank and in hand54/58 | €63k | €78k | €71k | €92k | €94k | ▲ 2.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €78k | €88k | €133k | €141k | €139k | ▼ 1.5% |
| Equity10/15 | €63k | €75k | €90k | €107k | €113k | ▲ 5.7% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Outside capital11 | €12k | - | - | - | - | - |
| Other1109/19 | €12k | - | - | - | - | - |
| Reserves13 | €41k | €53k | €68k | €84k | €90k | ▲ 7.2% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €39k | €51k | €66k | €82k | €88k | ▲ 7.4% |
| Profit (loss) carried forward14 | €10k | €10k | €10k | €10k | €10k | = |
| Amounts payable17/49 | €15k | €12k | €42k | €35k | €26k | ▼ 23.7% |
| Amounts payable within one year42/48 | €15k | €12k | €42k | €35k | €26k | ▼ 23.7% |
| Trade debts44 | €7k | €10k | €5k | €9k | €8k | ▼ 18.6% |
| Suppliers440/4 | €7k | €10k | €5k | €9k | €8k | ▼ 18.6% |
| Taxes, remuneration and social security45 | €8k | €3k | €8k | €2k | €6k | ▲ 153% |
| Taxes450/3 | €8k | €3k | €8k | €2k | €6k | ▲ 153% |
| Other amounts payable47/48 | - | - | €30k | €23k | €13k | ▼ 42.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17k | €12k | €23k | €16k | €6k | ▼ 62.4% |
| + Depreciation and write-downs630 | €4k | €2k | €9k | €13k | €13k | = |
| Operating cash flow (approximation) | €21k | €15k | €33k | €29k | €19k | ▼ 34.5% |
| Investment in fixed assets (approximation) | - | €-297 | €-58k | €-2k | €-555 | ▲ 73.8% |
| Change in cash | - | €15k | €-7k | €21k | €2k | ▼ 91.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €100kEq €107k ▲17.9%
7 profitable years in a row build equity to €107k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €23k ▲90%
Operating result €29k, net result €23k, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €5k ▼38.9%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 5.96
Current ratio from 2.40 to 5.96; short-term debt falls from €25k to €8k.
22-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 22 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
08-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Lommel · 1 establishment unit since 2008
Ground area
798 m²
Building footprint
154 m²
Volume, LiDAR
807 m³
Parcel 72344D0087/00H000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Human Serendipity
since 20082.168.437.275
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72344D0087/00H000 | Flanders | 798 m² | 1 · 154 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 13,417 companies in sector 73300 we hold annual accounts for 6,898. 5,568 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-01-2008
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
63920Other information service activities
Contact
Phone
011/54.69.39Lommel
Scores and ratios are computed by Checked and are not a credit decision.