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Serendip

Active
Private limited companyfounded 201610 yrs activeHoge Haar 18, 2970 Schilde, BelgiumKBO/BCE: BE 0650.616.711
Summary

Serendip has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€22,639) and a net result of €6,713. Its solvency ranks better than 7% of 11472 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Checked score

Score 2025
Axes
Profitability100
Solvency0
Growth-
Track record85
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.36; short-term debt: 277.5% and cash: 10% of total assets), and equity is negative.
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2025
Solvency, return and age of the figures
Solvency
-177.5%
Return on assets
52.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 11472 sector peers (2025).
NBB · sector comparison
Position among 11472 sector peers
Solvency
better than 7%
← weakest strongest →
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 08-07-2026, 23 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
23 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

Serendip was incorporated on 15 February 2016.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
-€22,639
Total assets
€12,751
Net result
€6,713
Working capital
-€22,639

Turnover and EBIT margin not published: the micro schema does not require them.

Key figures and ratios
2025 value
EBITDA
€6,896
Cash flow
€6,849
Solvency
-177.5%
Current ratio
0.36
Quick ratio
0.19
Debt to equity
-1.56
ROA
52.6%
Interest coverage
145.66
Debt
€35,390
Debt ≤ 1 year
€35,390

Peer companies

Historical observation

Of the 3,640 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.

  • Micro
  • 10 to 20 years old
  • negative equity
  • a profit of 5% of the balance sheet or more
2.7% went bankrupt
4.9% stopped otherwise
92% still going

A further 0.7% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 3,640 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
Filed annual accounts As filed with the NBB · 2025 · 35 lines
Balance sheet Code2025
Assets
Total assets20/58€12,751
Fixed assets21/28€0
Tangible fixed assets22/27€0
Plant, machinery and equipment23€0
Current assets29/58€12,751
Stocks and contracts in progress3€5,866
Stocks30/36€5,866
Amounts receivable within one year40/41€5,615
Trade receivables40€125
Other amounts receivable41€5,490
Cash at bank and in hand54/58€1,270
Equity and liabilities
Total equity and liabilities10/49€12,751
Equity10/15-€22,639
Contributions10/11€1,000
Profit (loss) carried forward14-€23,639
Amounts payable17/49€35,390
Amounts payable within one year42/48€35,390
Trade debts44€216
Suppliers440/4€216
Taxes, remuneration and social security45€0
Taxes450/3€0
Other amounts payable47/48€35,174
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€136
Other operating charges640/8€1,124
Gross operating margin9900€8,020
Operating profit (loss)9901€6,760
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€47
Recurring financial charges65€47
Profit (loss) for the period before taxes9903€6,713
Profit (loss) for the period9904€6,713
Profit (loss) for the period to be appropriated9905€6,713
Appropriation of the result
Profit (loss) to be appropriated9906-€23,639
Profit (loss) brought forward from the previous period14P-€30,352

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€136
Other operating charges640/8€1,124
Gross operating margin9900€8,020
Operating profit (loss)9901€6,760
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€47
Recurring financial charges65€47
Profit (loss) for the period before taxes9903€6,713
Profit (loss) for the period9904€6,713
Profit (loss) for the period to be appropriated9905€6,713
Line2025
Assets
Total assets20/58€12,751
Fixed assets21/28€0
Tangible fixed assets22/27€0
Plant, machinery and equipment23€0
Current assets29/58€12,751
Stocks and contracts in progress3€5,866
Stocks30/36€5,866
Amounts receivable within one year40/41€5,615
Trade receivables40€125
Other amounts receivable41€5,490
Cash at bank and in hand54/58€1,270
Equity and liabilities
Total equity and liabilities10/49€12,751
Equity10/15-€22,639
Contributions10/11€1,000
Profit (loss) carried forward14-€23,639
Amounts payable17/49€35,390
Amounts payable within one year42/48€35,390
Trade debts44€216
Suppliers440/4€216
Taxes, remuneration and social security45€0
Taxes450/3€0
Other amounts payable47/48€35,174
Line2025
Profit (loss) for the period9904€6,713
+ Depreciation and write-downs630€136
Operating cash flow (approximation)€6,849

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
08-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Schilde · 1 establishment unit since 2016
seat establishment The establishment unit on the map
Ground area
2,447 m²
Building footprint
279 m²
Volume, LiDAR
1,178 m³
Parcel 11041B0103/00B002, Flanders · tallest building 17.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Serendip
Hoge Haar 18, 2970 SchildeWholesale trade
since 20162.251.867.866
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11041B0103/00B002 Flanders 2,447 m² 1 · 278 m² 17.1 m · 1 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Schilde2.251.867.866
1 permission
Groothandelaar LM>3 maand · since 22-07-2024

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 6,146 companies in sector 46190 we hold annual accounts for 2,576. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded15-02-2016
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
73300Public relations and communication consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:0650616711
Also 9925:BE0650616711
Registered 14-06-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.