SERENDIP CONSULT
ActiveSERENDIP CONSULT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €5k. Equity is growing by ~109.4% per year across the filed fiscal years. Its solvency ranks better than 90% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-5
Solvency100▲+15
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.9 against 0.48 in 2024; short-term debt: 12.6% and cash: 29.3% of total assets), and 12.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87.4%
Return on assets
15.9%
Age of the figures
9 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
12 d late
2023
1 d early
2022
25 d late
2021
22 d late
2020
27 d late
2019
13 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€58k
EBIT margin
12.3%
Net result
€5k▼ 26.3%
2024 · €7k
2018: €6k
2019: €9k
2020: €-9k
2021: €2k
2022: €7k
2023: €7k
2024: €7k
2018 → 2025
Working capital
€8k
2024 · €-8k
2018: €-27k
2019: €-15k
2020: €-20k
2021: €-16k
2022: €-10k
2023: €-1k
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€58k
Equity€2k-€9k▲ 282%€16k▲ 75.6%€24k▲ 43.4%€29k▲ 22.3%
Operating result€2k-€7k▲ 317%€7k▼ 3.8%€7k▲ 0.5%€6k▼ 13.1%
Net result€2k-€7k▲ 311%€7k▲ 2.4%€7k▲ 0.9%€5k▼ 26.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€21k▼ 33.8%
Current assets
€12k▲ 60.0%
Equity and liabilities €33k
Equity
€29k▲ 22.3%
Debt
€4k▼ 73.4%
The debt ratio falls from 39.9% to 12.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▲
2024 · €15k
Cash flow
€16k▲
2024 · €15k
Solvency
87.4%▲
2024 · 60.1%
Current ratio
2.90▲
2024 · 0.48
Quick ratio
2.90▲
2024 · 0.48
Debt / equity
0.14▼
2024 · 0.66
ROE
18.3%▼
2024 · 30.3%
ROA
15.9%▼
2024 · 18.2%
Interest coverage
282.54▼
2024 · 674.01
Debt
€4k▼
2024 · €16k
Debt ≤ 1 year
€4k▼
2024 · €16k
Income taxes
€899
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€39k€33k▼
Fixed assets21/28€32k€21k▼
Intangible fixed assets21€10k€5k▼
Tangible fixed assets22/27€22k€16k▼
Furniture and vehicles24€22k€16k▼
Current assets29/58€8k€12k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€3k€2k▼
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€5k€10k▲
Equity and liabilities
Total equity and liabilities10/49€39k€33k▼
Equity10/15€24k€29k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€5k€10k▲
Amounts payable17/49€16k€4k▼
Amounts payable within one year42/48€16k€4k▼
Taxes, remuneration and social security45€0€899▲
Taxes450/3€0€899▲
Other amounts payable47/48€16k€3k▼
Income statement
Code20242025
Turnover70€58k-
Non-recurring operating income76A€9k€0▼
Goods, raw materials, services and sundry goods60/61€51k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€11k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€16k€18k▲
Operating profit (loss)9901€7k€6k▼
Financial charges65/66B€22€60▲
Recurring financial charges65€22€60▲
Profit (loss) for the period before taxes9903€7k€6k▼
Income taxes67/77-€899
Profit (loss) for the period9904€7k€5k▼
Profit (loss) for the period to be appropriated9905€7k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€10k▲
Profit (loss) brought forward from the previous period14P€-2k€5k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 6current ratio 2.90
Current ratio from 0.48 to 2.90; short-term debt falls from €16k to €4k.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €-9k ▼193%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
31-12
Financial
Highest result since 2018net €9k ▲47.9%
Operating result €9k, net result €9k, both a record.
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 92 days late
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Brugge · 1 establishment unit since 2013
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.
Gistelse Steenweg 158200 BruggeGround area
1,533 m²
Building footprint
1,020 m²
Volume, LiDAR
9,949 m³
2 parcels, Flanders · tallest building 16.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SERENDIP CONSULT
since 20132.223.762.315
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31027D0379/00N000 | Flanders | 1,064 m² | 1 · 857 m² | 16.6 m · 4 fl. |
| 31001B1323/00E000 | Flanders | 469 m² | 1 · 163 m² | 10.1 m · 1 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
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FR-UNION
BE 0860.132.058
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ALMAXACO
BE 0843.799.832
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BIZZ SUPPORT
BE 0757.675.314
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DEPOT BE
BE 1026.046.501
Martelange · Eq €29k
Of 12,023 companies in sector 68203 we hold annual accounts for 5,986. 2,498 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2013
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.