S.E.R.S.
ActiveThe computed 12-month bankruptcy probability of S.E.R.S. is 1.6% (moderate). The 2024 annual accounts show equity of €104k and a net result of €10k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 18940 sector peers (fiscal year 2024). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+9
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 9.86; short-term debt: 9.6% and cash: 11.7% of total assets), and 9.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-07-2025, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
13 d early
2023
12 d early
2022
5 d early
2021
31 d late
2020
30 d late
2019
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€104k▲ 10.1%
2023 · €95k
2018: €26k
2019: €38k
2020: €61k
2021: €82k
2022: €94k
2023: €95k
2018 → 2024
Total assets
€115k▲ 21.5%
2023 · €95k
2018: €40k
2019: €48k
2020: €69k
2021: €85k
2022: €95k
2023: €95k
2018 → 2024
Net result
€10k▲ 997%
2023 · €872
2018: €6k
2019: €12k
2020: €23k
2021: €21k
2022: €11k
2023: €872
2018 → 2024
Working capital
€98k▲ 11.7%
2023 · €88k
2018: €14k
2019: €26k
2020: €53k
2021: €75k
2022: €88k
2023: €88k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€61k-€82k▲ 34.4%€94k▲ 13.7%€95k▲ 0.9%€104k▲ 10.1%
Operating result€25k-€20k▼ 18.0%€17k▼ 16.8%€4k▼ 76.2%€14k▲ 257%
Net result€23k-€21k▼ 10.1%€11k▼ 46.4%€872▼ 92.3%€10k▲ 997%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 257% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €115k
Fixed assets
€6k▼ 9.4%
Current assets
€109k▲ 24.0%
Equity and liabilities €115k
Equity
€104k▲ 10.1%
Debt
€11k▲ 5,024%
The debt ratio rises from 0.2% to 9.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▲
2023 · €6k
Cash flow
€10k▲
2023 · €3k
Solvency
90.4%▼
2023 · 99.8%
Current ratio
9.86
Quick ratio
9.86
Debt / equity
0.11▲
2023 · 0.00
ROE
9.2%▲
2023 · 0.9%
ROA
8.3%▲
2023 · 0.9%
Interest coverage
25.58▲
2023 · 11.56
Debt
€11k▲
2023 · €215
Debt ≤ 1 year
€11k▲
2023 · €215
Income taxes
€4k▲
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€95k€115k▲
Fixed assets21/28€7k€6k▼
Tangible fixed assets22/27€7k€6k▼
Land and buildings22€7k€6k▼
Current assets29/58€88k€109k▲
Stocks and contracts in progress3€982-
Stocks30/36€982-
Amounts receivable within one year40/41€77k€95k▲
Trade receivables40€1k€9k▲
Other amounts receivable41€76k€87k▲
Cash at bank and in hand54/58€10k€13k▲
Equity and liabilities
Total equity and liabilities10/49€95k€115k▲
Equity10/15€95k€104k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€74k€84k▲
Amounts payable17/49€215€11k▲
Amounts payable within one year42/48€215€11k▲
Trade debts44€215€10k▲
Suppliers440/4€215€10k▲
Taxes, remuneration and social security45-€619
Taxes450/3-€619
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€662▼
Other operating charges640/8€855€1k▲
Gross operating margin9900€7k€16k▲
Operating profit (loss)9901€4k€14k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€1k€826▼
Recurring financial charges65€491€581▲
Non-recurring financial charges66B€802€245▼
Profit (loss) for the period before taxes9903€3k€13k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€872€10k▲
Profit (loss) for the period to be appropriated9905€872€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€84k▲
Profit (loss) brought forward from the previous period14P€73k€74k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €104k ▲10.1%
7 profitable years in a row build equity to €104k.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €872 ▼92.3%
Net result drops to €872, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 407.70
Current ratio from 97.10 to 407.70; short-term debt falls from €912 to €215.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 97.10
Current ratio from 27.22 to 97.10; short-term debt falls from €3k to €912.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 27.22
Current ratio from 8.16 to 27.22; short-term debt falls from €7k to €3k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €23k ▲101%
Operating result €25k, net result €23k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 8.16
Current ratio from 3.51 to 8.16; short-term debt falls from €10k to €7k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
2016
16-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 16 days late
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, Rochefort · 2 establishment units since 1988
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.
Rue des Pairées,Belvaux 75580 RochefortGround area
2,497 m²
Building footprint
298 m²
Volume, LiDAR
2,205 m³
2 parcels, Wallonia · tallest building 23.3 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
LA RESIDENCE
since 19882.033.874.422
L'AUBERGE DU MOULIN
since 19912.033.874.521
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91136C0662/00F000 | Wallonia | 1,529 m² | 1 · 191 m² | - |
| 91034G0158/00N000 | Wallonia | 968 m² | 1 · 107 m² | 23.3 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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WINGMEI
BE 0897.588.510
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DEGROOTE RECA
BE 0563.321.065
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Brasserie Wondelgem
BE 0746.362.738
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NICE BAR COMPANY
BE 0502.907.089
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Of 20,499 companies in sector 56111 we hold annual accounts for 11,455. 9,520 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-12-1987
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
55401
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.