Equity
-€8,421
Debts exceed assets in financial year 2025.
SERCU
Lifetime
5 annual accounts with figures on one time axispeak €12,318 (2022)
€2,214▲ €6,435
lowest -€9,029 (2024)
-€1,086▲ €7,943
peak €1,694 (2023)
-€8,421▼ €1,086
€23,230▲ 16.5%
Board2 names since 2020
1 director
Documentsfilings and deeds
30-06-202631 days before the deadline
2025micro format
Gross margin from -€4,221 to €2,214Loss of €1,086Equity from -€7,335 to -€8,421Debts from €19,943 to €23,230Cash from €2,740 to €1,487
Key points
from the 2025 annual accountsLosses
-€10,115 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Debts
€23,230 157% of the balance sheet
After one year 43%Within one year 57%
Of this, €13,230 falls due within a year.
Investments
€3,597 1.5 × depreciation
Green is investment, beige is depreciation.
Filings
5 annual accounts 3 late
The 2022 accounts came latest: 29 days after the end of the period.
Position in the sector
-56.9%
Lower solvency than 95% of companies in specialised construction. Sector median 46.7% · 35,156 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 1,564 companies had the same profile as SERCU has now. Each dot stands for 4 companies, two years later.
88.9%
were still trading
5.4%
stopped another way
5.1%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,331 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,564 companies, not a prediction for SERCU. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0760625795
First establishment
Sercu Decor, Everzwijnhoekstraat 20, Zonnebeke
Incorporation
Founding capital of €4,800 · Founders: and · Appointments: (director) and (director) · published on 31-12-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SERCU Zonnebeke | €14,809 | €2,214 | -56.9% | - |
| PlanD Forest | €16,582 | €1,922 | -93.7% | - |
| A.S.R. RENOVE Molenbeek-Saint-Jean | €14,405 | €2,229 | 21.5% | - |
| I.V.I. CONSULTING Beersel | €11,141 | €3,069 | 30.3% | - |
| CIVA SERVICES Kraainem | €11,349 | €2,848 | -9.5% | - |
| ERX Company (Signs & Grafics) Juprelle | €13,754 | €2,093 | -219.6% | - |
| VWORX Roeselare | €25,193 | €2,500 | -0.2% | - |
These companies have the same main activity as SERCU: other building finishing work (NACE 43350). They are comparable in size and age: total assets between €11,100 and €25,200, founded between 2020 and 2022.
Official details
Source: KBO- Status
- Active since 29-12-2020Normal situation
- Activity
- Other building finishing workNACE 43350and 2 others
- Establishment unit
- 2.311.822.1808980 Zonnebeke, since 02-01-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 01-10-2025
Annual accounts 2025
- ≈ €22,000estimated
- €14,809▲ 17.5%
- Filing
- Filed on 30-06-2026, 31 days before the end of the filing period
Insights on SERCU
SERCU files the micro format. That format states no turnover. The gross margin rose from -€853 in 2021 to €2,214 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SERCU
- What is the company number of SERCU?
- The company number of SERCU is 0760.625.795. The VAT number is the same number with BE in front: BE 0760.625.795.
- Where is SERCU based?
- The registered office is at Everzwijnhoekstraat 20, 8980 Zonnebeke.Company details
- What does SERCU do?
- According to the KBO register, the main activity is other building finishing work (NACE 43350).
- What is the legal form of SERCU?
- SERCU is a private limited company (BV).
- When was SERCU founded?
- SERCU was founded on 29-12-2020.
- Is SERCU still active?
- Yes, SERCU is an active enterprise in the KBO register.
- What is the turnover of SERCU?
- The turnover in financial year 2025 is ≈ €22,000. This figure is estimated from the gross margin of €2,214 and 37 comparable companies (NACE 43350). It probably lies between €13,000 and €47,000. It is a rough estimate.Financials
- Is SERCU profitable?
- In financial year 2025, SERCU made a loss of €1,086.
- Where can I find the annual accounts of SERCU?
- SERCU filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SERCU due?
- SERCU must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.