NEILA SERAING
ActiveSummary
NEILA SERAING has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €30k. Equity is growing by ~42% per year across the filed fiscal years. Its solvency ranks better than 57% of 2544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency71▲+20
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.06 against 1.29 in 2024; short-term debt: 54.4% and cash: 1% of total assets), and 54.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
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
45.6%
Return on assets
32.6%
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 09-07-2026, 22 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
22 d early
2024
38 d early
2023
19 d early
2022
28 d early
2021
18 d early
2020
17 d late
2019
27 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▲ 51.8%
2024 · €28k
2018: €-26k
2019: €-24k
2020: €-31k
2021: €-18k
2022: €8k
2023: €2k
2024: €28k
2018 → 2025
Total assets
€93k▼ 14.3%
2024 · €109k
2018: €52k
2019: €43k
2020: €55k
2021: €50k
2022: €73k
2023: €83k
2024: €109k
2018 → 2025
Net result
€30k▼ 12.2%
2024 · €35k
2018: €6k
2019: €2k
2020: €-7k
2021: €13k
2022: €26k
2023: €-15k
2024: €35k
2018 → 2025
Working capital
€-48k
2024 · €23k
2018: €-50k
2019: €-40k
2020: €-44k
2021: €-29k
2022: €2k
2023: €-4k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-18k-€8k€2k▼ 75.9%€28k▲ 1,316%€42k▲ 51.8%
Operating result€13k-€27k▲ 100.0%€-14k€40k€34k▼ 15.4%
Net result€13k-€26k▲ 107%€-15k€35k€30k▼ 12.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €93k
Fixed assets
€90k ▲ 1,796%
Current assets
€3k ▼ 97.0%
Equity and liabilities €93k
Equity
€42k ▲ 51.8%
Debt
€51k ▼ 37.2%
Debt's share of the balance-sheet total falls from 74.2% to 54.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▼
2024 · €44k
Cash flow
€30k▼
2024 · €38k
Current ratio
0.06▼
2024 · 1.29
Debt to equity
1.19▼
2024 · 2.88
ROE
71.5%▼
2024 · 123.7%
ROA
32.6%▲
2024 · 31.9%
Interest coverage
135.04▲
2024 · 52.45
Debt ≤ 1 year
€51k▼
2024 · €81k
Income taxes
€4k▼
2024 · €5k
Staff costs
€9k▼
2024 · €118k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€109k€93k▼
Fixed assets21/28€5k€90k▲
Intangible fixed assets21€3k€0▼
Tangible fixed assets22/27€2k€0▼
Plant, machinery and equipment23€2k€0▼
Financial fixed assets28-€90k
Current assets29/58€104k€3k▼
Stocks and contracts in progress3€5k€0▼
Stocks30/36€5k€0▼
Amounts receivable within one year40/41€27k€2k▼
Trade receivables40€27k€1k▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€69k€917▼
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€109k€93k▼
Equity10/15€28k€42k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€18k€32k▲
Amounts payable17/49€81k€51k▼
Amounts payable within one year42/48€81k€51k▼
Trade debts44€40k€7k▼
Suppliers440/4€40k€7k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€40k€6k▼
Taxes450/3€1k€6k▲
Remuneration and social security454/9€38k€805▼
Other amounts payable47/48€825€38k▲
Income statement
Code20242025
Remuneration, social security and pensions62€118k€9k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€0▼
Other operating charges640/8€5k€2k▼
Non-recurring operating charges66A-€5k
Gross operating margin9900€167k€50k▼
Operating profit (loss)9901€40k€34k▼
Financial charges65/66B€834€253▼
Recurring financial charges65€834€253▼
Profit (loss) for the period before taxes9903€40k€34k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€35k€30k▼
Profit (loss) for the period to be appropriated9905€35k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€48k▲
Profit (loss) brought forward from the previous period14P€-17k€18k▲
Profit to be distributed694/7-€16k
Directors or managers695-€16k
The notes to these accounts (13 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-15k ▼156%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Charleroi · 1 establishment unit since 2017
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.
Grand'rue 186000 CharleroiGround area
701 m²
Building footprint
187 m²
Volume, LiDAR
2,474 m³
Parcel 52011B0248/00B009, Wallonia · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Midas
since 20172.261.527.284
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011B0248/00B009 | Wallonia | 701 m² | 1 · 187 m² | 15.3 m · 4 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.
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Of 7,375 companies in sector 95311 we hold annual accounts for 2,959. 2,030 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95319Other maintenance and repair of motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.