Equity
€15,969 from €70,302 in 2014
Equity fell by 77% in 11 years.
PROSERV
Lifetime
20 annual accounts with figures on one time axis, 36 filings since 1990peak €15,986 (2013)
€2,011▲ €4,986
lowest -€22,125 (2017)
-€1,344▲ €5,072
peak €70,302 (2014)
€15,969▼ 7.8%
€34,017▲ 8.9%
Board2 names since 2021
1 directorJohan BEERENS
Documentsfilings and deeds
09-07-202622 days before the deadline
2025micro format
Gross margin from -€2,975 to €2,011Loss of €1,344Cash from €7,052 to €11,955
Key points
from the 2025 annual accountsChecked score
85
Excellent
Financially stronger than 36% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,271 companies (NACE 47, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.4%
01-2025: 1.4%● unchanged vs 12-2024
02-2025: 1.4%● unchanged vs 01-2025
03-2025: 1.4%● unchanged vs 02-2025
04-2025: 1.5%▲ +0.1 percentage points vs 03-2025
05-2025: 1.5%● unchanged vs 04-2025
06-2025: 1.5%● unchanged vs 05-2025
07-2025: 1.6%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 1.2%▼ -0.4 percentage points vs 07-2025
09-2025: 1.2%● unchanged vs 08-2025
10-2025: 0.5%▼ -0.7 percentage points vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026
04-2026: 0.5%● unchanged vs 03-2026
05-2026: 0.6%▲ +0.1 percentage points vs 04-2026
06-2026: 0.5%▼ -0.1 percentage points vs 05-2026
07-2026: 0.6%▲ +0.1 percentage points vs 06-2026
08-2026: 0.2%▼ -0.4 percentage points vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
Loss of €1,344, the second in a row (financial year 2025)
lowers risk
Founded in 1989
Liquidity: current ratio 1.45, cash €11,955
Calculation
The band follows from the bankruptcy probability. 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 47, micro). It does better than 47% of them on solvency, 42% on liquidity, 25% on profitability and 28% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 12,322 companies had the same profile as PROSERV has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PROSERV itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 12,322 companies, not a prediction for PROSERV. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.45 (1.54 in 2024), below the usual 1.5. Short-term debt is 68.1% and cash 23.9% of total assets. 68.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
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 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€1,344
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 · 10 filingsDeviation from the deadline
2025
22 days early
2024
27 days early
2023
15 days early
2022
3 days early
2021
10 days late
2020
30 days early
2019
3 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 13 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed 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 17 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0436399436
Capital conversion · Purpose change · Amendment of the articles · Legal-form change · Resignations & appointments
Resignations: Johan BEERENS (director) and Heidi HARMEGNIES (director) · Reappointment: Johan BEERENS (director) · “Le conseil et service, la gestion de projet, coordination de projet, l'audit, la formation et la programmation…” (deed in French) · General meeting of 16-11-2023 · Gazette deed
Registered office moved from Mons to Grandglise
New registered office: Chemin du Bois, 16 à 7973 GRANDGLISE · Previous registered office: Rue d'Herchies, 37 à 7011 MONS · Board meeting of 11-09-2023 · Gazette deed
First establishment
PROSERV SC, Chemin du Bois 16, Beloeil
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PROSERV Beloeil | €49,986 | €2,011 | 31.9% | - |
| VAVANTAS Sint-Truiden | €48,719 | €1,612 | -682.0% | - |
| Quinthan Waasmunster | €54,200 | -€18,273 | 26.7% | - |
| DE AREND Erpe-Mere | €41,743 | -€7,211 | -226.8% | - |
| DOKOMO Harelbeke | €80,835 | €1,266 | -138.5% | 0 |
| AROWS BELGIUM Waremme | €72,707 | -€105 | 69.9% | - |
| CARIANN Waregem | €80,894 | -€3,163 | 1.6% | - |
These companies have the same main activity as PROSERV: other non-specialised retail sale (NACE 47120). They are comparable in size and age: total assets between €41,700 and €80,900, founded between 1985 and 1992.
Official details
Source: KBO- Status
- Active since 05-01-1989Normal situation
- Activity
- Other non-specialised retail saleNACE 47120
- Establishment unit
- 2.041.859.5027973 Beloeil, since 26-01-1989
- Financial year end
- 31 December
- Peppol
- Reachable since 03-12-2025
Annual accounts 2025
- €49,986▲ 3.0%
- Filing
- Filed on 09-07-2026, 22 days before the end of the filing period
Insights on PROSERV
PROSERV files the micro format. That format states no turnover. The gross margin rose from €1,070 in 2006 to €2,011 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PROSERV
- What is the company number of PROSERV?
- The company number of PROSERV is 0436.399.436. The VAT number is the same number with BE in front: BE 0436.399.436.
- Where is PROSERV based?
- The registered office is at Chemin du Bois 16, 7973 Beloeil.Company details
- What does PROSERV do?
- According to the KBO register, the main activity is other non-specialised retail sale (NACE 47120).
- What is the legal form of PROSERV?
- PROSERV is a private limited company (BV).
- When was PROSERV founded?
- PROSERV was founded on 05-01-1989.
- Is PROSERV still active?
- Yes, PROSERV is an active enterprise in the KBO register.
- What is the turnover of PROSERV?
- The turnover in financial year 2025 is ≈ €23,000. This figure is estimated from the gross margin of €2,011 and 32 comparable companies (NACE 47120). It probably lies between €10,000 and €46,000. It is a rough estimate.Financials
- Is PROSERV profitable?
- In financial year 2025, PROSERV made a loss of €1,344.
- Where can I find the annual accounts of PROSERV?
- PROSERV filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PROSERV due?
- PROSERV must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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