SER.CO
ActiveSER.CO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €2k. Equity is shrinking by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 7709 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+71
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 21.39 against 27.7 in 2024; short-term debt: 4.2% and cash: 11.3% of total assets), and 4.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
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
95.8%
Return on assets
2.1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
on the day
2023
on the day
2022
4 d early
2021
53 d early
2020
52 d early
2019
50 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€90k▲ 2.2%
2024 · €88k
2018: €120k
2019: €127k
2020: €105k
2021: €103k
2022: €113k
2023: €103k
2024: €88k
2018 → 2025
Total assets
€94k▲ 3.3%
2024 · €91k
2018: €126k
2019: €131k
2020: €115k
2021: €106k
2022: €123k
2023: €112k
2024: €91k
2018 → 2025
Net result
€2k
2024 · €-15k
2018: €2k
2019: €7k
2020: €39k
2021: €-2k
2022: €10k
2023: €-10k
2024: €-15k
2018 → 2025
Working capital
€81k▲ 4.6%
2024 · €77k
2018: €95k
2019: €108k
2020: €90k
2021: €91k
2022: €98k
2023: €90k
2024: €77k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€113k▲ 9.7%€103k▼ 8.7%€88k▼ 14.5%€90k▲ 2.2%
Operating result€-1k-€16k€-10k€-15k▼ 61.3%€2k
Net result€-2k-€10k€-10k€-15k▼ 50.8%€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €15k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€10k▼ 13.9%
Current assets
€85k▲ 5.7%
Equity and liabilities €94k
Equity
€90k▲ 2.2%
Debt
€4k▲ 36.9%
The debt ratio rises from 3.2% to 4.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€4k▲
2024 · €-14k
Cash flow
€4k▲
2024 · €-13k
Solvency
95.8%▼
2024 · 96.8%
Current ratio
21.39▼
2024 · 27.70
Quick ratio
5.13▼
2024 · 5.44
Debt / equity
0.04▲
2024 · 0.03
ROE
2.2%▲
2024 · -16.9%
ROA
2.1%▲
2024 · -16.4%
Interest coverage
25.57▲
2024 · -73.27
Debt
€4k▲
2024 · €3k
Debt ≤ 1 year
€4k▲
2024 · €3k
Income taxes
€322▲
2024 · €-664
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€91k€94k▲
Fixed assets21/28€11k€10k▼
Tangible fixed assets22/27€11k€10k▼
Land and buildings22€1k-
Furniture and vehicles24€10k€10k▼
Current assets29/58€80k€85k▲
Stocks and contracts in progress3€65k€65k=
Stocks30/36€65k€65k=
Amounts receivable within one year40/41€15k€10k▼
Trade receivables40€9k€9k▲
Other amounts receivable41€6k€536▼
Cash at bank and in hand54/58€29€11k▲
Deferred charges and accrued income490/1€962€90▼
Equity and liabilities
Total equity and liabilities10/49€91k€94k▲
Equity10/15€88k€90k▲
Contributions10/11€6k€6k=
Reserves13€108k€108k=
Distributable reserves133€108k€108k=
Profit (loss) carried forward14€-26k€-24k▲
Amounts payable17/49€3k€4k▲
Amounts payable within one year42/48€3k€4k▲
Financial debts43€104-
Credit institutions430/8€104-
Trade debts44€761€2k▲
Suppliers440/4€761€2k▲
Taxes, remuneration and social security45-€286
Taxes450/3-€286
Other amounts payable47/48€2k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€1k€857▼
Gross operating margin9900€-13k€5k▲
Operating profit (loss)9901€-15k€2k▲
Financial income75/76B€6-
Recurring financial income75€6-
Financial charges65/66B€185€156▼
Recurring financial charges65€185€156▼
Profit (loss) for the period before taxes9903€-16k€2k▲
Income taxes67/77€-664€322▲
Profit (loss) for the period9904€-15k€2k▲
Profit (loss) for the period to be appropriated9905€-15k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-24k▲
Profit (loss) brought forward from the previous period14P€-11k€-26k▼
The notes to these accounts (4 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 27.70
Current ratio from 11.10 to 27.70; short-term debt falls from €9k to €3k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 6current ratio 61.88
Current ratio from 9.76 to 61.88; short-term debt falls from €10k to €1k.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €39k ▲416%
Operating result €46k, net result €39k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 33.82
Current ratio from 16.29 to 33.82; short-term debt falls from €6k to €3k.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Buggenhout · 1 establishment unit since 2007
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.
Lentepark 569255 BuggenhoutGround area
728 m²
Building footprint
111 m²
Volume, LiDAR
579 m³
Parcel 42004B0022/00G002, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ser.Co
since 20072.161.239.182
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42004B0022/00G002 | Flanders | 728 m² | 1 · 111 m² | 8.3 m · 2 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 24,501 companies in sector 82990 we hold annual accounts for 9,398. 7,172 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-2007
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
71121Engineering and related technical consultancy, excluding land surveyors
74203
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.