SERENDIPITIES
ActiveSummary
SERENDIPITIES has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €356k and a net result of €90k. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 82% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 6.59 against 4.03 in 2024; short-term debt: 15.1% and cash: 86.8% of total assets), and 15.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
84.8%
Return on assets
21.4%
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
55 d late
2023
56 d late
2022
29 d late
2021
59 d late
2020
22 d early
2019
30 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€356k▲ 33.7%
2024 · €267k
2018: €159k
2019: €176k
2020: €227k
2021: €256k
2022: €312k
2023: €272k
2024: €267k
2018 → 2025
Total assets
€420k▲ 18.8%
2024 · €354k
2018: €173k
2019: €208k
2020: €251k
2021: €350k
2022: €376k
2023: €370k
2024: €354k
2018 → 2025
Net result
€90k▲ 35.1%
2024 · €66k
2018: €37k
2019: €35k
2020: €51k
2021: €53k
2022: €56k
2023: €8k
2024: €66k
2018 → 2025
Working capital
€355k▲ 34.6%
2024 · €264k
2018: €154k
2019: €172k
2020: €213k
2021: €241k
2022: €303k
2023: €268k
2024: €264k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€256k-€312k▲ 21.8%€272k▼ 12.8%€267k▼ 1.9%€356k▲ 33.7%
Operating result€83k-€80k▼ 3.6%€8k▼ 89.7%€93k▲ 1,032%€126k▲ 35.3%
Net result€53k-€56k▲ 4.3%€8k▼ 85.7%€66k▲ 735%€90k▲ 35.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 35% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €420k
Fixed assets
€2k ▼ 41.9%
Current assets
€419k ▲ 19.3%
Equity and liabilities €420k
Equity
€356k ▲ 33.7%
Debt
€64k ▼ 26.6%
Debt's share of the balance-sheet total falls from 24.6% to 15.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€127k▲
2024 · €96k
Cash flow
€91k▲
2024 · €69k
Current ratio
6.59▲
2024 · 4.03
Debt to equity
0.18▼
2024 · 0.33
ROE
25.2%▲
2024 · 24.9%
ROA
21.4%▲
2024 · 18.8%
Interest coverage
153.23▼
2024 · 783.43
Debt ≤ 1 year
€64k▼
2024 · €87k
Income taxes
€37k▲
2024 · €27k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€354k€420k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€115€115=
Current assets29/58€351k€419k▲
Amounts receivable within one year40/41€84k€51k▼
Trade receivables40€56k€51k▼
Other amounts receivable41€29k-
Cash at bank and in hand54/58€265k€365k▲
Deferred charges and accrued income490/1€893€3k▲
Equity and liabilities
Total equity and liabilities10/49€354k€420k▲
Equity10/15€267k€356k▲
Contributions10/11€6k€6k=
Reserves13€162k€350k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€162k€350k▲
Profit (loss) carried forward14€98k€111▼
Amounts payable17/49€87k€64k▼
Amounts payable within one year42/48€87k€64k▼
Trade debts44€10k€8k▼
Suppliers440/4€10k€8k▼
Taxes, remuneration and social security45€37k€51k▲
Taxes450/3€37k€51k▲
Other amounts payable47/48€41k€5k▼
Accrued charges and deferred income492/3-€314
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€734▼
Other operating charges640/8€7k€1k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€102k€129k▲
Operating profit (loss)9901€93k€126k▲
Financial income75/76B€285€2k▲
Recurring financial income75€285€2k▲
Financial charges65/66B€122€826▲
Recurring financial charges65€122€826▲
Profit (loss) for the period before taxes9903€93k€127k▲
Income taxes67/77€27k€37k▲
Profit (loss) for the period9904€66k€90k▲
Profit (loss) for the period to be appropriated9905€66k€90k▲
Appropriation of the result
Profit (loss) to be appropriated9906€98k€188k▲
Profit (loss) brought forward from the previous period14P€32k€98k▲
Transfer from equity791/2€72k-
Transfer to equity691/2-€188k
To other reserves6921-€188k
Profit to be distributed694/7€72k-
Return on contributions (dividend)694€72k-
The notes to these accounts (8 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €90k ▲35.1%
Operating result €126k, net result €90k, both a record.
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
31-12
Financial
Weakest financial yearnet €8k ▼85.7%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €227k ▲29.2%
3 profitable years in a row build equity to €227k.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
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
2 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, Rixensart · 2 establishment units since 2011
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.
Avenue Royale 351330 RixensartGround area
4,726 m²
Building footprint
1,255 m²
Volume, LiDAR
28,861 m³
2 parcels, Brussels, Wallonia · tallest building 30.4 m, ±9 floors. Linked by address, not a title deed.
2 establishment units
serendipities
since 20112.197.768.491
Herrmann-Debrouxlaan 54, 1160 Oudergem
since 20232.345.802.864
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332B0081/00H002 | Brussels | 3,929 m² | 1 · 1,150 m² | 30.4 m · 9 fl. |
| 25091A0110/00B002 | Wallonia | 797 m² | 1 · 105 m² | 9.8 m · 3 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
DiVcon
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Nazareth-De Pinte · Eq €356,477
ADANOR
BE 0779.747.663
Etterbeek · Eq €356,480
BLUEWEAVER
BE 0825.379.532
Kapelle-op-den-Bos · Eq €356,499
GREEN BEAN
BE 0831.219.427
Edegem · Eq €356,387
PRODICON
BE 0542.606.221
Puurs-Sint-Amands · Eq €356,147
Of 13,421 companies in sector 73300 we hold annual accounts for 6,901. 4,635 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2011
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.