SE Service
ActiveSummary
The computed 12-month bankruptcy probability of SE Service is 1.7% (moderate). The 2025 annual accounts show equity of €13k and a net result of €11k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 21% of 54 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability67▼-33
Solvency38▼-35
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.89 in 2024; short-term debt: 78.9% and cash: 14% of total assets), and 87.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 92
Relative position
BE, all sectors
reference
Gambling and betting activities (NACE 92)
about 50% more bankruptcies
← 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
12.5%
Return on assets
10.1%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 54 sector peers (2025).
NBB · sector comparisonPosition among 54 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-04-2026, 6 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
6 d early
2024
2 d early
2023
4 d early
2022
4 d early
2021
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▼ 71.7%
2024 · €48k
2021: €25k
2022: €11k▼ -54.6% vs 2021lowest in 5 years
2023: €12k▲ +7.4% vs 2022
2024: €48k▲ +298% vs 2023highest in 5 years
2025: €13k▼ -71.7% vs 2024
2021 → 2025
Total assets
€107k▲ 8.2%
2024 · €99k
2021: €66k
2022: €61k▼ -7.9% vs 2021
2023: €51k▼ -15.6% vs 2022lowest in 5 years
2024: €99k▲ +93.7% vs 2023
2025: €107k▲ +8.2% vs 2024highest in 5 years
2021 → 2025
Net result
€11k▼ 69.5%
2024 · €36k
2021: €14k
2022: €-13k▼ -199% vs 2021lowest in 5 years
2023: €829▲ +106% vs 2022
2024: €36k▲ +4200% vs 2023highest in 5 years
2025: €11k▼ -69.5% vs 2024
2021 → 2025
Working capital
€21k▼ 53.5%
2024 · €46k
2021: €36k
2022: €18k▼ -49.9% vs 2021
2023: €14k▼ -21.2% vs 2022lowest in 5 years
2024: €46k▲ +226% vs 2023highest in 5 years
2025: €21k▼ -53.5% vs 2024
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€11k▼ 54.6%€12k▲ 7.4%€48k▲ 298%€13k▼ 71.7%
2021: €25k
2022: €11k▼ -54.6% vs 2021lowest in 5 years
2023: €12k▲ +7.4% vs 2022
2024: €48k▲ +298% vs 2023highest in 5 years
2025: €13k▼ -71.7% vs 2024
Operating result€21k-€-10k€5k€44k▲ 844%€18k▼ 60.5%
2021: €21k
2022: €-10k▼ -149% vs 2021lowest in 5 years
2023: €5k▲ +146% vs 2022
2024: €44k▲ +844% vs 2023highest in 5 years
2025: €18k▼ -60.5% vs 2024
Net result€14k-€-13k€829€36k▲ 4,200%€11k▼ 69.5%
2021: €14k
2022: €-13k▼ -199% vs 2021lowest in 5 years
2023: €829▲ +106% vs 2022
2024: €36k▲ +4200% vs 2023highest in 5 years
2025: €11k▼ -69.5% vs 2024
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 60% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107k
Fixed assets
€1k ▼ 21.7%
Current assets
€106k ▲ 8.7%
Equity and liabilities €107k
Equity
€13k ▼ 71.7%
Debt
€94k ▲ 81.8%
Debt's share of the balance-sheet total rises from 52.0% to 87.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€19k▼
2024 · €46k
Cash flow
€12k▼
2024 · €37k
Current ratio
1.25▼
2024 · 1.89
Quick ratio
0.30▼
2024 · 0.97
Debt to equity
6.97▲
2024 · 1.08
ROE
80.7%▲
2024 · 74.8%
ROA
10.1%▼
2024 · 35.9%
Interest coverage
4.28▼
2024 · 15.48
Debt ≤ 1 year
€85k▲
2024 · €52k
Debt > 1 year
€9k
Income taxes
€2k▼
2024 · €6k
Staff costs
€9k▼
2024 · €14k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€99k€107k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€1k€938▼
Plant, machinery and equipment23€1k-
Furniture and vehicles24-€938
Other tangible fixed assets26€198-
Financial fixed assets28€355€355=
Current assets29/58€98k€106k▲
Stocks and contracts in progress3€47k€80k▲
Stocks30/36€47k€80k▲
Amounts receivable within one year40/41€43k€10k▼
Trade receivables40€41k€8k▼
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€7k€15k▲
Deferred charges and accrued income490/1€683€779▲
Equity and liabilities
Total equity and liabilities10/49€99k€107k▲
Equity10/15€48k€13k▼
Contributions10/11€11k€11k=
Reserves13€37k€2k▼
Distributable reserves133€37k€2k▼
Amounts payable17/49€52k€94k▲
Amounts payable after more than one year17-€9k
Financial debts170/4-€9k
Other amounts payable178/9-€318
Amounts payable within one year42/48€52k€85k▲
Current portion of amounts payable after more than one year42€5k€6k▲
Trade debts44€35k€32k▼
Suppliers440/4€35k€32k▼
Taxes, remuneration and social security45€11k€2k▼
Taxes450/3€6k€2k▼
Remuneration and social security454/9€5k-
Other amounts payable47/48-€45k
Income statement
Code20242025
Remuneration, social security and pensions62€14k€9k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€775€360▼
Other operating charges640/8€61-
Non-recurring operating charges66A€50-
Gross operating margin9900€61k€28k▼
Operating profit (loss)9901€44k€18k▼
Financial income75/76B€125€141▲
Recurring financial income75€125€141▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€42k€13k▼
Income taxes67/77€6k€2k▼
Profit (loss) for the period9904€36k€11k▼
Profit (loss) for the period to be appropriated9905€36k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€11k▼
Transfer from equity791/2-€45k
Transfer to equity691/2€36k€11k▼
To other reserves6921€36k€11k▼
Profit to be distributed694/7-€45k
Return on contributions (dividend)694-€45k
The notes to these accounts (7 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €4k | €17k | €6k | €14k | €9k | ▼ 32.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €2k | €2k | €2k | €1k | ▼ 13.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €775 | €360 | ▼ 53.5% |
| Other operating charges640/8 | €335 | €1k | €219 | €61 | - | - |
| Non-recurring operating charges66A | - | - | - | €50 | - | - |
| Gross operating margin9900 | €27k | €9k | €13k | €61k | €28k | ▼ 53.0% |
| Operating profit (loss)9901 | €21k | €-10k | €5k | €44k | €18k | ▼ 60.5% |
| Financial income75/76B | €53 | €154 | €170 | €125 | €141 | ▲ 12.6% |
| Recurring financial income75 | €53 | €154 | €170 | €125 | €141 | ▲ 12.6% |
| Financial charges65/66B | €4k | €3k | €4k | €3k | €4k | ▲ 49.2% |
| Recurring financial charges65 | €4k | €3k | €4k | €3k | €4k | ▲ 49.2% |
| Profit (loss) for the period before taxes9903 | €17k | €-13k | €829 | €42k | €13k | ▼ 68.1% |
| Income taxes67/77 | €3k | - | - | €6k | €2k | ▼ 59.9% |
| Profit (loss) for the period9904 | €14k | €-13k | €829 | €36k | €11k | ▼ 69.5% |
| Profit (loss) for the period to be appropriated9905 | €14k | €-13k | €829 | €36k | €11k | ▼ 69.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €66k | €61k | €51k | €99k | €107k | ▲ 8.2% |
| Fixed assets21/28 | €7k | €5k | €3k | €2k | €1k | ▼ 21.7% |
| Tangible fixed assets22/27 | €6k | €5k | €3k | €1k | €938 | ▼ 27.6% |
| Plant, machinery and equipment23 | €5k | €4k | €2k | €1k | - | - |
| Furniture and vehicles24 | - | - | - | - | €938 | - |
| Other tangible fixed assets26 | €989 | €725 | €461 | €198 | - | - |
| Financial fixed assets28 | €355 | €355 | €355 | €355 | €355 | = |
| Current assets29/58 | €59k | €56k | €48k | €98k | €106k | ▲ 8.7% |
| Stocks and contracts in progress3 | €46k | €42k | €40k | €47k | €80k | ▲ 69.9% |
| Stocks30/36 | €46k | €42k | €40k | €47k | €80k | ▲ 69.9% |
| Amounts receivable within one year40/41 | €7k | €7k | €925 | €43k | €10k | ▼ 76.6% |
| Trade receivables40 | €3k | €6k | €624 | €41k | €8k | ▼ 81.4% |
| Other amounts receivable41 | €4k | €2k | €301 | €2k | €2k | ▲ 24.9% |
| Cash at bank and in hand54/58 | €6k | €6k | €6k | €7k | €15k | ▲ 113% |
| Deferred charges and accrued income490/1 | €162 | €924 | €707 | €683 | €779 | ▲ 14.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €66k | €61k | €51k | €99k | €107k | ▲ 8.2% |
| Equity10/15 | €25k | €11k | €12k | €48k | €13k | ▼ 71.7% |
| Contributions10/11 | €11k | €11k | €11k | €11k | €11k | = |
| Reserves13 | €14k | €143 | €972 | €37k | €2k | ▼ 93.3% |
| Distributable reserves133 | €14k | €143 | €972 | €37k | €2k | ▼ 93.3% |
| Amounts payable17/49 | €41k | €50k | €39k | €52k | €94k | ▲ 81.8% |
| Amounts payable after more than one year17 | €18k | €12k | €5k | - | €9k | - |
| Financial debts170/4 | €18k | €12k | €5k | - | €9k | - |
| Other amounts payable178/9 | - | - | - | - | €318 | - |
| Amounts payable within one year42/48 | €24k | €38k | €34k | €52k | €85k | ▲ 64.0% |
| Current portion of amounts payable after more than one year42 | €6k | €6k | €6k | €5k | €6k | ▲ 4.5% |
| Trade debts44 | €12k | €28k | €23k | €35k | €32k | ▼ 10.3% |
| Suppliers440/4 | €12k | €28k | €23k | €35k | €32k | ▼ 10.3% |
| Taxes, remuneration and social security45 | €6k | €4k | €5k | €11k | €2k | ▼ 78.1% |
| Taxes450/3 | €5k | - | - | €6k | €2k | ▼ 59.9% |
| Remuneration and social security454/9 | €1k | €4k | €5k | €5k | - | - |
| Other amounts payable47/48 | - | - | - | - | €45k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14k | €-13k | €829 | €36k | €11k | ▼ 69.5% |
| + Depreciation and write-downs630 | €2k | €2k | €2k | €2k | €1k | ▼ 13.5% |
| Operating cash flow (approximation) | €16k | €-12k | €2k | €37k | €12k | ▼ 67.0% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €-1k | - |
| Change in cash | - | €-236 | €-192 | €1k | €8k | ▲ 650% |
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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2021net €36k ▲4,200%
Operating result €44k, net result €36k, both a record.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €829
Net result €829 after one loss-making year.
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Berlare · 1 establishment unit since 2020
Ground area
420 m²
Building footprint
285 m²
Volume, LiDAR
1,413 m³
Parcel 42003D0418/00Y000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Beirleirs Gazetje
since 20202.304.729.896
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42003D0418/00Y000 | Flanders | 420 m² | 1 · 285 m² | 8.8 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBerlare2.304.729.896
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Of 505 companies in sector 92000 we hold annual accounts for 302. 102 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
Founded29-06-2020
Fiscal year end30-09
Trade name NL
Beirleirs Gazetje
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
92000Gambling and betting activities
47242Retail sale of chocolate and confectionery
47252Retail sale of beverages, general range
47260Retail trade
Scores and ratios are computed by Checked and are not a credit decision.