SEREMI
ActiveSummary
The annual accounts of SEREMI for fiscal year 2024 show a net loss of 66% of total assets. The 2024 annual accounts show equity of €83,054 and a net result of -€79,468. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 85% of 6545 sector peers (fiscal year 2024). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
59
/ 100
Fair
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-92
Solvency94▼-6
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 7.16 against 10.32 in 2023; short-term debt: 14% and cash: 67.5% of total assets), and 30.6% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
69.4%
Return on assets
-66.4%
Age of the figures
21 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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
30 d late
2023
31 d late
2022
61 d late
2021
31 d late
2020
28 d late
2019
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 40 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€79,468
2023 · €44,067
Working capital
€102,939▼ 43.6%
2023 · €182,406
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€9,851▲ 880%€2,591▼ 73.7%-€4,310€65,266-€78,901
Net result€9,409within the sector's middle half▲ 39,350%€655below the sector's middle half▼ 93.0%-€5,849below the sector's middle half€44,067within the sector's middle half-€79,468below the sector's middle half
Equity€123,649within the sector's middle half▲ 8.2%€124,303within the sector's middle half▲ 0.5%€118,455within the sector's middle half▼ 4.7%€162,522within the sector's middle half▲ 37.2%€83,054within the sector's middle half▼ 48.9%
Total assets€150,389below the sector's middle half▲ 15.9%€150,436below the sector's middle half=€153,086below the sector's middle half▲ 1.8%€201,987below the sector's middle half▲ 31.9%€119,657below the sector's middle half▼ 40.8%
Debt€26,741▲ 72.6%€26,133▼ 2.3%€34,631▲ 32.5%€19,580▼ 43.5%€16,719▼ 14.6%
Working capital€67,120within the sector's middle half▲ 24.9%€66,511within the sector's middle half▼ 0.9%€65,924within the sector's middle half▼ 0.9%€182,406within the sector's middle half▲ 177%€102,939within the sector's middle half▼ 43.6%
Solvency82.2%above the sector's middle half▼ 5.8pp82.6%above the sector's middle half▲ 0.4pp77.4%above the sector's middle half▼ 5.3pp80.5%above the sector's middle half▲ 3.1pp69.4%above the sector's middle half▼ 11.1pp
Current ratio3.62above the sector's middle half▼ 1.133.66above the sector's middle half▲ 0.043.08above the sector's middle half▼ 0.5810.32above the sector's middle half▲ 7.247.16above the sector's middle half▼ 3.16
Return on assets (ROA)6.3%within the sector's middle half▲ 6.2pp0.4%below the sector's middle half▼ 5.8pp-3.8%below the sector's middle half▼ 4.3pp21.8%above the sector's middle half▲ 25.6pp-66.4%below the sector's middle half▼ 88.2pp
Staff (FTE)0.5below the sector's middle half=0.6below the sector's middle half▲ 20.0%0.5below the sector's middle half▼ 16.7%0.5below the sector's middle half=0.2below the sector's middle half▼ 60.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €78,901 after €65,266 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €119,657
Equity
€83,054 ▼ 48.9%
Provisions
€19,885 =
Debt
€16,719 ▼ 14.6%
Debt's share of the balance-sheet total rises from 9.7% to 14.0%. Equity and debt are lower.
Key figures and ratios
Debt to equity
0.20▲
2023 · 0.12
ROE
-95.7%▼
2023 · 27.1%
Debt ≤ 1 year
€16,719▼
2023 · €19,580
Staff costs
€9,773▼
2023 · €18,647
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,834 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.7%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,834 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €79,539 | - | - |
| Remuneration, social security and pensions62 | - | €15,700 | €16,108 | €18,647 | €9,773 | ▼ 47.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,959 | €3,557 | €3,491 | - | - | - |
| Other operating charges640/8 | - | €1,449 | €1,484 | €2,000 | €1,036 | ▼ 48.2% |
| Non-recurring operating charges66A | - | - | - | - | €2,527 | - |
| Gross operating margin9900 | €28,646 | €23,297 | €16,773 | €85,913 | -€65,565 | ▼ 176% |
| Operating profit (loss)9901 | €9,851 | €2,591 | -€4,310 | €65,266 | -€78,901 | ▼ 221% |
| Financial income75/76B | - | €350 | €86 | €131 | - | - |
| Recurring financial income75 | €155 | €350 | €86 | €131 | - | - |
| Financial charges65/66B | - | €1,956 | €1,395 | €1,446 | €567 | ▼ 60.8% |
| Recurring financial charges65 | €598 | €1,956 | €1,395 | €1,446 | €567 | ▼ 60.8% |
| Profit (loss) for the period before taxes9903 | €9,409 | €986 | -€5,619 | €63,952 | -€79,468 | ▼ 224% |
| Transfer to deferred taxes680 | - | - | - | €19,885 | - | - |
| Income taxes67/77 | - | €331 | €230 | - | - | - |
| Profit (loss) for the period9904 | €9,409 | €655 | -€5,849 | €44,067 | -€79,468 | ▼ 280% |
| Transfer to tax-exempt reserves689 | - | - | - | €59,655 | - | - |
| Profit (loss) for the period to be appropriated9905 | €9,409 | €655 | -€5,849 | -€15,588 | -€79,468 | ▼ 410% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €150,389 | €150,436 | €153,086 | €201,987 | €119,657 | ▼ 40.8% |
| Fixed assets21/28 | €57,688 | €58,952 | €55,461 | - | - | - |
| Tangible fixed assets22/27 | €57,688 | €58,952 | €55,461 | - | - | - |
| Land and buildings22 | - | €58,952 | €55,461 | - | - | - |
| Current assets29/58 | €92,701 | €91,484 | €97,625 | €201,987 | €119,657 | ▼ 40.8% |
| Stocks and contracts in progress3 | €60,636 | €59,725 | €60,239 | €51,474 | - | - |
| Stocks30/36 | - | €59,725 | €60,239 | €51,474 | - | - |
| Amounts receivable within one year40/41 | €17,527 | €24,787 | €33,854 | €51,957 | €38,858 | ▼ 25.2% |
| Trade receivables40 | - | €22,260 | €31,236 | €15,000 | - | - |
| Other amounts receivable41 | - | €2,527 | €2,618 | €36,957 | €38,858 | ▲ 5.1% |
| Cash at bank and in hand54/58 | €14,538 | €6,087 | €3,532 | €97,645 | €80,800 | ▼ 17.3% |
| Deferred charges and accrued income490/1 | - | €885 | - | €911 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €150,389 | €150,436 | €153,086 | €201,987 | €119,657 | ▼ 40.8% |
| Equity10/15 | €123,649 | €124,303 | €118,455 | €162,522 | €83,054 | ▼ 48.9% |
| Contributions10/11 | - | €40,000 | €40,000 | €40,000 | €40,000 | = |
| Reserves13 | €4,000 | €4,000 | €4,000 | €63,655 | €63,655 | = |
| Non-distributable reserves130/1 | - | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Reserves not available under the articles1311 | - | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Tax-exempt reserves132 | - | - | - | €59,655 | €59,655 | = |
| Profit (loss) carried forward14 | €79,649 | €80,303 | €74,455 | €58,867 | -€20,600 | ▼ 135% |
| Provisions and deferred taxes16 | - | - | - | €19,885 | €19,885 | = |
| Deferred taxes168 | - | - | - | €19,885 | €19,885 | = |
| Amounts payable17/49 | €26,741 | €26,133 | €34,631 | €19,580 | €16,719 | ▼ 14.6% |
| Amounts payable after more than one year17 | €1,160 | €1,160 | €1,160 | - | - | - |
| Other amounts payable178/9 | - | €1,160 | €1,160 | - | - | - |
| Amounts payable within one year42/48 | €25,581 | €24,973 | €31,701 | €19,580 | €16,719 | ▼ 14.6% |
| Trade debts44 | €3,942 | €2,611 | €829 | €2,679 | €2,455 | ▼ 8.4% |
| Suppliers440/4 | - | €2,611 | €829 | €2,679 | €2,455 | ▼ 8.4% |
| Taxes, remuneration and social security45 | - | €7,489 | €5,013 | €3,898 | - | - |
| Taxes450/3 | - | €4,985 | €198 | €405 | - | - |
| Remuneration and social security454/9 | - | €2,504 | €4,815 | €3,493 | - | - |
| Other amounts payable47/48 | - | €14,874 | €25,859 | €13,004 | €14,264 | ▲ 9.7% |
| Accrued charges and deferred income492/3 | - | - | €1,770 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,409 | €655 | -€5,849 | €44,067 | -€79,468 | ▼ 280% |
| + Depreciation and write-downs630 | €3,959 | €3,557 | €3,491 | - | - | - |
| Operating cash flow (approximation) | €13,368 | €4,211 | -€2,357 | €44,067 | -€79,468 | ▼ 280% |
| Investment in fixed assets (approximation) | - | -€4,820 | €0 | - | - | - |
| Change in cash | - | -€8,450 | -€2,555 | €94,112 | -€16,845 | ▼ 118% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
31-12
Financial
Weakest financial yearnet -€79,468
Net result drops to -€79,468, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-12
Financial
Back to profitnet €44,067
Net result €44,067 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 10.32
Current ratio from 3.08 to 10.32; short-term debt falls from €31,701 to €19,580.
31-12
Financial
Equity above €150,000Eq €162,522 ▲37.2%
Equity rises from €118,455 to €162,522.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 61 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 28 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 60 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Colfontaine
Ground area
238 m²
Building footprint
45 m²
Volume, LiDAR
432 m³
Parcel 53302B1252/00L000, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53302B1252/00L000 | Wallonia | 238 m² | 1 · 44 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 462 companies in this sector we hold annual accounts for 215. 165 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company (pre-2019)
Founded05-09-2006
Fiscal year end31-12
Activities, NACEBEL 2025
47783Retail trade
47521Retail sale of hardware, building materials, paint and glass (general range)
47552Retail sale of lighting equipment
47750Retail sale of cosmetics and toilet articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0883328421
Also
9925:BE0883328421
Registered
16-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.