Serdibel is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €220k and a net result of €73k. Equity is growing by ~34.7% per year across the filed fiscal years. Its solvency ranks better than 64% of 775 sector peers (fiscal year 2024). The company has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-10-2025, 64 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
64 d late
2023
31 d late
2022
30 d late
2021
31 d late
2020
11 d late
2019
8 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€220k▲ 49.9%
2023 · €147k
2018: €37k
2019: €29k
2020: €51k
2021: €91k
2022: €121k
2023: €147k
2018 → 2024
Net result
€73k▼ 2.8%
2023 · €75k
2018: €21k
2019: €-8k
2020: €22k
2021: €39k
2022: €31k
2023: €75k
2018 → 2024
Total assets
€411k▲ 41.4%
2023 · €291k
2018: €128k
2019: €64k
2020: €109k
2021: €116k
2022: €180k
2023: €291k
2018 → 2024
Solvency
53.6%▲ 3.1pp
2023 · 50.5%
2018: 29.1%
2019: 45.5%
2020: 46.7%
2021: 78.3%
2022: 67.4%
2023: 50.5%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€51k-€91k▲ 77.4%€121k▲ 34.1%€147k▲ 21.0%€220k▲ 49.9%
Operating result€37k-€56k▲ 51.4%€44k▼ 20.6%€88k▲ 97.7%€102k▲ 16.2%
Net result€22k-€39k▲ 81.5%€31k▼ 21.8%€75k▲ 145%€73k▼ 2.8%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 16% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €411k
Fixed assets
€2k▼ 25.9%
Current assets
€409k▲ 42.0%
Equity and liabilities €411k
Equity
€220k▲ 49.9%
Debt
€191k▲ 32.7%
The debt ratio falls from 49.5% to 46.4%. Equity and debt are higher.
Key figures and ratios
Solvency
53.6%▲
2023 · 50.5%
ROE
33.3%▼
2023 · 51.4%
ROA
17.8%▼
2023 · 26.0%
Debt
€191k▲
2023 · €144k
Debt ≤ 1 year
€191k▲
2023 · €144k
Income taxes
€28k▲
2023 · €13k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€291k€411k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€933€747▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€288k€409k▲
Amounts receivable within one year40/41€176k€309k▲
Trade receivables40€18k€18k▲
Other amounts receivable41€158k€291k▲
Cash at bank and in hand54/58€108k€97k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€291k€411k▲
Equity10/15€147k€220k▲
Contributions10/11€20k€20k=
Reserves13€31k€31k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€96k€169k▲
Amounts payable17/49€144k€191k▲
Amounts payable within one year42/48€144k€191k▲
Trade debts44€91k€188k▲
Suppliers440/4€91k€188k▲
Taxes, remuneration and social security45€3k€3k=
Taxes450/3€3k€3k=
Other amounts payable47/48€50k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€709€709=
Other operating charges640/8€2k€883▼
Gross operating margin9900€90k€103k▲
Operating profit (loss)9901€88k€102k▲
Financial income75/76B€689€1▼
Recurring financial income75€689€1▼
Financial charges65/66B€142€72▼
Recurring financial charges65€142€72▼
Profit (loss) for the period before taxes9903€88k€102k▲
Income taxes67/77€13k€28k▲
Profit (loss) for the period9904€75k€73k▼
Profit (loss) for the period to be appropriated9905€75k€73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€146k€169k▲
Profit (loss) brought forward from the previous period14P€70k€96k▲
Profit to be distributed694/7€50k-
Directors or managers695€50k-
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
2025
03-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 64 days late
2024
31-12
Financial
Equity above €200kEq €220k ▲49.9%
5 profitable years in a row build equity to €220k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-12
Financial
Highest result since 2018net €75k ▲145%
Net result €75k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Equity above €100kEq €121k ▲34.1%
3 profitable years in a row build equity to €121k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 4.55
Current ratio from 1.84 to 4.55; short-term debt falls from €58k to €25k.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-8k ▼137%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 3 days late
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 22 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, Bernissart · 1 establishment unit since 1962
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.
Rue de Stambruges(HAR) 197321 BernissartGround area
315 m²
Building footprint
108 m²
Volume, LiDAR
939 m³
Parcel 51472A0277/00T000, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Stambruges(HAR) 19, 7321 Bernissart
since 19622.004.697.218
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51472A0277/00T000 | Wallonia | 315 m² | 1 · 108 m² | 10.9 m · 3 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 4,682 companies in sector 66220 we hold annual accounts for 3,227. 2,805 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
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.