SERENDIPITE
ActiveSERENDIPITE has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119k and a net result of €20k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 29% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+1
Solvency39▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 8.56 against 0.27 in 2024; short-term debt: 2.4% and cash: 0.1% of total assets), but 86.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
13.6%
Return on assets
2.3%
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 20-05-2026, 72 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
72 d early
2024
61 d late
2023
12 d late
2022
43 d early
2021
30 d early
2020
2 d late
2019
90 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
Not included in this filing
EBIT margin
Not included in this filing
Net result
€20k▲ 19.4%
2024 · €17k
2018: €7k
2019: €5k
2020: €10k
2021: €19k
2022: €10k
2023: €19k
2024: €17k
2018 → 2025
Working capital
€160k
2024 · €-509k
2018: €39k
2019: €2k
2020: €7k
2021: €-1k
2022: €7k
2023: €35k
2024: €-509k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€63k▼ 0.4%€82k▲ 30.2%€99k▲ 20.8%€119k▲ 20.5%
Operating result€26k-€14k▼ 48.5%€24k▲ 75.4%€19k▼ 18.9%€26k▲ 32.6%
Net result€19k-€10k▼ 49.4%€19k▲ 94.6%€17k▼ 10.5%€20k▲ 19.4%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 33% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €873k
Fixed assets
€692k▲ 13.8%
Current assets
€181k▼ 2.7%
Equity and liabilities €873k
Equity
€119k▲ 20.5%
Debt
€754k▲ 8.4%
The debt ratio falls from 87.6% to 86.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€68k▲
2024 · €33k
Cash flow
€62k▲
2024 · €31k
Solvency
13.6%▲
2024 · 12.4%
Current ratio
8.56▲
2024 · 0.27
Quick ratio
8.56▲
2024 · 0.27
Debt / equity
6.34▼
2024 · 7.05
ROE
17.0%▼
2024 · 17.2%
ROA
2.3%▲
2024 · 2.1%
Interest coverage
849.97▲
2024 · 365.42
Debt
€754k▲
2024 · €696k
Debt ≤ 1 year
€21k▼
2024 · €695k
Debt > 1 year
€730k
Income taxes
€7k▲
2024 · €4k
Staff costs
€30k
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€795k€873k▲
Fixed assets21/28€608k€692k▲
Tangible fixed assets22/27€608k€692k▲
Land and buildings22€531k€469k▼
Plant, machinery and equipment23-€161k
Furniture and vehicles24€78k€63k▼
Financial fixed assets28-€284
Current assets29/58€186k€181k▼
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€4k€24k▲
Trade receivables40€4k€17k▲
Other amounts receivable41€0€7k▲
Current investments50/53€146k€148k▲
Cash at bank and in hand54/58€33k€981▼
Deferred charges and accrued income490/1€4k€9k▲
Equity and liabilities
Total equity and liabilities10/49€795k€873k▲
Equity10/15€99k€119k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€78k€99k▲
Amounts payable17/49€696k€754k▲
Amounts payable after more than one year17-€730k
Other amounts payable178/9-€730k
Amounts payable within one year42/48€695k€21k▼
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€8k€17k▲
Taxes450/3€8k€13k▲
Remuneration and social security454/9-€4k
Other amounts payable47/48€683k€0▼
Accrued charges and deferred income492/3€923€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€30k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€42k▲
Other operating charges640/8€2k€12k▲
Gross operating margin9900€35k€109k▲
Operating profit (loss)9901€19k€26k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€90€80▼
Recurring financial charges65€90€80▼
Profit (loss) for the period before taxes9903€21k€28k▲
Income taxes67/77€4k€7k▲
Profit (loss) for the period9904€17k€20k▲
Profit (loss) for the period to be appropriated9905€17k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€78k€99k▲
Profit (loss) brought forward from the previous period14P€61k€78k▲
The notes to these accounts (10 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
20-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €20k ▲19.4%
Net result €20k, the highest in the series.
31-12
Financial
Liquidity times 32current ratio 8.56
Current ratio from 0.27 to 8.56; short-term debt falls from €695k to €21k.
31-12
Financial
Equity above €100kEq €119k ▲20.5%
8 profitable years in a row build equity to €119k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 12 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 5.95
Current ratio from 1.37 to 5.95; short-term debt falls from €20k to €7k.
18-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 2 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 2.42
Current ratio from 1.18 to 2.42; short-term debt falls from €13k to €5k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 90 days late
2019
31-12
Financial
Weakest financial yearnet €5k ▼32%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 20 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lasne · 1 establishment unit since 2015
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 l'Espiniat 451380 LasneGround area
103 m²
Building footprint
85 m²
Volume, LiDAR
546 m³
Parcel 25076F0143/00M000, Wallonia · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SERENDIPITE
since 20152.241.740.472
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076F0143/00M000 | Wallonia | 103 m² | 1 · 85 m² | 9.9 m · 2 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.
Similar companies · same sector, comparable size
DE ZITTER
BE 0462.078.306
Lokeren · Eq €119k
MULTIBATT
BE 0502.548.882
Beloeil · Eq €119k
OWIL CONSTRUCT
BE 0774.913.697
Wemmel · Eq €119k
PIOU
BE 0536.933.602
Brussel · Eq €119k
CASANOS
BE 0743.491.241
Kontich · Eq €118k
Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,960 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-04-2015
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
82100Office administrative and support services
70200Business and other management consultancy
70220Business consulting
74300Other professional, scientific and technical activities
74301Translation services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.
Contact details
1 entryE-mail:carla@germonprez.com