SERAL
ActiveSummary
The computed 12-month bankruptcy probability of SERAL is 6.4% (elevated). For SERAL, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €4k and a net result of €-15k. Its solvency ranks better than 32% of 33677 sector peers (fiscal year 2023). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability0▼-38
Solvency55▼-45
Growth32
Track record94
Bankruptcy probability, 12 months
6.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
29.6%
Return on assets
-109.4%
Age of the figures
39 mo
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Two or more financial years not filed
Since the financial year that closed on 30-06-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 2 filingsPosition against the passed deadline
30-06-2024 close31-01-2025 deadline24-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2023 was due by 31-01-2024 and was filed on 31-10-2024, 274 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 2 filingsDeviation from the deadline
2025
not filed
2024
not filed
2023
274 d late
2022
on the day
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2023, micro schema
Turnover
€8k
EBIT margin
0.2%
Net result
€-15k
2022 · €15
2022: €15
2022 → 2023
Working capital
€3k▼ 85.2%
2022 · €17k
2022: €17k
2022 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023Trend
Turnover€8k-
Equity€19k-€4k▼ 78.7%
Operating result€19-€-14k
Net result€15-€-15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €14k after €19 in 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €13k
Fixed assets
€1k =
Current assets
€12k ▼ 45.6%
Equity and liabilities €13k
Equity
€4k ▼ 78.7%
Debt
€9k ▲ 95.7%
Debt's share of the balance-sheet total rises from 20.5% to 70.4%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.27▼
2022 · 4.57
Debt to equity
2.37▲
2022 · 0.26
ROE
-369.2%▼
2022 · 0.1%
ROA
-109.4%▼
2022 · 0.1%
Debt ≤ 1 year
€9k▲
2022 · €5k
Income taxes
€-1▼
2022 · €4
Staff costs
€4k▼
2022 · €6k
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 · 2023 against 2022 · 35 lines
Balance sheet
Code20222023
Assets
Total assets20/58€23k€13k▼
Fixed assets21/28€1k€1k=
Financial fixed assets28€1k€1k=
Current assets29/58€22k€12k▼
Amounts receivable within one year40/41€22k€12k▼
Trade receivables40€5k€0▼
Other amounts receivable41€17k€12k▼
Cash at bank and in hand54/58€388€87▼
Equity and liabilities
Total equity and liabilities10/49€23k€13k▼
Equity10/15€19k€4k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€15€-15k▼
Amounts payable17/49€5k€9k▲
Amounts payable within one year42/48€5k€9k▲
Trade debts44€1k€9k▲
Suppliers440/4€1k€9k▲
Taxes, remuneration and social security45€4k€3▼
Taxes450/3€2k€3▼
Remuneration and social security454/9€2k€0▼
Income statement
Code20222023
Turnover70€8k-
Goods, raw materials, services and sundry goods60/61€2k-
Remuneration, social security and pensions62€6k€4k▼
Other operating charges640/8-€517
Gross operating margin9900€6k€-10k▼
Operating profit (loss)9901€19€-14k▼
Financial income75/76B-€256
Recurring financial income75-€256
Financial charges65/66B-€540
Recurring financial charges65-€540
Profit (loss) for the period before taxes9903€19€-15k▼
Income taxes67/77€4€-1▼
Profit (loss) for the period9904€15€-15k▼
Profit (loss) for the period to be appropriated9905€15€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15€-15k▼
Profit (loss) brought forward from the previous period14P-€15
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
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 274 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
NBB filing
Directors · office · real estate
Directors
2 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, Zaventem · 1 establishment unit since 2024
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.
Leuvensesteenweg 2461932 ZaventemGround area
1,936 m²
Building footprint
894 m²
Volume, LiDAR
5,352 m³
2 parcels, Brussels, Flanders · tallest building 13.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SERAL
since 20242.366.724.675
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21006A0165/00H002 | Brussels | 1,475 m² | 1 · 702 m² | 13.3 m · 2 fl. |
| 23078A0472/00L000 | Flanders | 461 m² | 1 · 192 m² | 10.8 m · 3 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.
Similar companies · same sector, comparable size
DANNY POUDERS
BE 0836.987.363
Lommel · Eq €3,974
ANASS TOITURES
BE 0753.911.120
Estinnes · Eq €4,000
DALENA
BE 0543.614.922
Eeklo · Eq €3,929
BLTF
BE 0731.866.087
Ukkel · Eq €3,926
Dakwerken Den Dekker
BE 0896.489.935
Balen · Eq €4,027
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 1,233 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2022
Fiscal year end30-06
Activities, NACEBEL 2025
43410Roofing work
41001General construction of residential buildings
43421Specialised construction activities
46831Wholesale of construction materials, general range
77221Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.