Serabent
ActiveSerabent has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €431k and a net result of €461k. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 17964 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +68 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+44
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 14.35 against 49.7 in 2024), and 6.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
93.3%
Return on assets
99.9%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €431k
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
29 d late
2023
61 d late
2022
31 d early
2021
26 d late
2020
40 d late
2019
31 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€431k▲ 96.1%
2024 · €220k
2018: €461k
2019: €435k
2020: €425k
2021: €400k
2022: €334k
2023: €257k
2024: €220k
2018 → 2025
Total assets
€462k▼ 50.5%
2024 · €932k
2018: €512k
2019: €484k
2020: €472k
2021: €438k
2022: €356k
2023: €962k
2024: €932k
2018 → 2025
Net result
€461k
2024 · €-37k
2018: €-30k
2019: €-25k
2020: €-10k
2021: €-26k
2022: €-66k
2023: €23k
2024: €-37k
2018 → 2025
Working capital
€413k▼ 53.6%
2024 · €889k
2018: €334k
2019: €312k
2020: €309k
2021: €288k
2022: €222k
2023: €918k
2024: €889k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€400k-€334k▼ 16.5%€257k▼ 23.0%€220k▼ 14.5%€431k▲ 96.1%
Operating result€-22k-€-64k▼ 197%€24k€-46k€555k
Net result€-26k-€-66k▼ 156%€23k€-37k€461k
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: €555k after a loss of €46k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €462k
Fixed assets
€18k▼ 28.1%
Current assets
€444k▼ 51.1%
Equity and liabilities €462k
Equity
€431k▲ 96.1%
Debt
€31k▼ 95.7%
The debt ratio falls from 76.4% to 6.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€564k▲
2024 · €-38k
Cash flow
€470k▲
2024 · €-29k
Solvency
93.3%▲
2024 · 23.6%
Current ratio
14.35▼
2024 · 49.70
Quick ratio
14.35▼
2024 · 44.22
Debt / equity
0.07▼
2024 · 3.24
ROE
107.0%▲
2024 · -17.0%
ROA
99.9%▲
2024 · -4.0%
Interest coverage
40521.12▲
2024 · -1513.82
Debt
€31k▼
2024 · €713k
Debt ≤ 1 year
€31k▲
2024 · €18k
Income taxes
€113k▲
2024 · €129
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€932k€462k▼
Fixed assets21/28€25k€18k▼
Tangible fixed assets22/27€25k€18k▼
Furniture and vehicles24€25k€18k▼
Current assets29/58€907k€444k▼
Stocks and contracts in progress3€100k-
Stocks30/36€100k-
Amounts receivable within one year40/41€526k€2k▼
Trade receivables40€297-
Other amounts receivable41€526k€2k▼
Current investments50/53-€313k
Cash at bank and in hand54/58€279k€128k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€932k€462k▼
Equity10/15€220k€431k▲
Contributions10/11€409k€159k▼
Reserves13€11k€272k▲
Tax-exempt reserves132€5k€5k=
Distributable reserves133€6k€267k▲
Profit (loss) carried forward14€-200k-
Amounts payable17/49€713k€31k▼
Amounts payable within one year42/48€18k€31k▲
Financial debts43€15-
Credit institutions430/8€15-
Trade debts44€18k€39▼
Suppliers440/4€18k€39▼
Taxes, remuneration and social security45€244€8k▲
Taxes450/3€244€8k▲
Other amounts payable47/48-€23k
Accrued charges and deferred income492/3€694k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k-
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-35k€566k▲
Operating profit (loss)9901€-46k€555k▲
Financial income75/76B€9k€19k▲
Recurring financial income75€9k€19k▲
Financial charges65/66B€25€14▼
Recurring financial charges65€25€14▼
Profit (loss) for the period before taxes9903€-37k€574k▲
Income taxes67/77€129€113k▲
Profit (loss) for the period9904€-37k€461k▲
Profit (loss) for the period to be appropriated9905€-37k€461k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-200k€261k▲
Profit (loss) brought forward from the previous period14P€-163k€-200k▼
Transfer to equity691/2-€261k
To other reserves6921-€261k
The notes to these accounts (5 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €461k
Net result €461k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Back to profitnet €23k
Net result €23k after 5 loss-making years.
31-12
Financial
Liquidity times 8current ratio 89.62
Current ratio from 10.84 to 89.62; short-term debt falls from €23k to €10k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-66k
Net result drops to €-66k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 40 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
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, Oostende · 1 establishment unit since 1972
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.
Spalaan 248400 OostendeGround area
623 m²
Building footprint
192 m²
Volume, LiDAR
1,105 m³
Parcel 35020C0251/00R002, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Spalaan 24, 8400 Oostende
since 19722.003.418.501
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35020C0251/00R002 | Flanders | 623 m² | 1 · 192 m² | 10.3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 171 EUR awarded · 171 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 171 EUR | 171 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
COMPTOIR DU LINGE
BE 0479.920.267
Namur · Eq €431k
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BE 0428.747.225
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TEXTILDECOR
BE 0425.064.391
Namur · Eq €439k
Marijke Decoratie
BE 0866.280.571
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LINGERIE DE PRINS
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Of 1,268 companies in sector 47512 we hold annual accounts for 579. 414 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.