SERENDY
ActiveSummary
The computed 12-month bankruptcy probability of SERENDY is 5.2% (elevated). The 2025 annual accounts show negative equity (-€56,472) and a net result of -€10,633. Equity is shrinking by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 12% of 11502 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability8▼-56
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
5.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.73 against 0.84 in 2024; short-term debt: 135.8% and cash: 0.8% of total assets), and equity is negative.
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Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
-44.8%
Return on assets
-8.4%
Age of the figures
15 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€56,472
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-03-2026, 37 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 · 7 filingsDeviation from the deadline
2025
37 d late
2024
24 d late
2023
93 d early
2022
69 d early
2021
70 d early
2020
93 d early
2019
70 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 48 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 23 November (4 of the last 5 filed years within 93 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€56,472▼ 23.2%
2024 · -€45,839
Total assets
€125,926▼ 7.4%
2024 · €136,016
Net result
-€10,633
2024 · €15,646
Working capital
-€45,340▼ 69.4%
2024 · -€26,771
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€19,700€13,555▼ 31.2%-€51,205€21,124-€4,251
Net result€17,512within the sector's middle half€12,123within the sector's middle half▼ 30.8%-€54,389below the sector's middle half€15,646within the sector's middle half-€10,633below the sector's middle half
Equity-€19,219below the sector's middle half▲ 47.7%-€7,096below the sector's middle half▲ 63.1%-€61,485below the sector's middle half▼ 767%-€45,839below the sector's middle half▲ 25.4%-€56,472below the sector's middle half▼ 23.2%
Total assets€223,266within the sector's middle half▲ 49.4%€207,180within the sector's middle half▼ 7.2%€121,756within the sector's middle half▼ 41.2%€136,016within the sector's middle half▲ 11.7%€125,926within the sector's middle half▼ 7.4%
Debt€242,485▲ 30.2%€214,276▼ 11.6%€183,241▼ 14.5%€181,855▼ 0.8%€182,398▲ 0.3%
Working capital-€24,671below the sector's middle half▲ 40.7%-€9,551below the sector's middle half▲ 61.3%-€61,582below the sector's middle half▼ 545%-€26,771below the sector's middle half▲ 56.5%-€45,340below the sector's middle half▼ 69.4%
Solvency-8.6%below the sector's middle half▲ 16.0pp-3.4%below the sector's middle half▲ 5.2pp-50.5%below the sector's middle half▼ 47.1pp-33.7%below the sector's middle half▲ 16.8pp-44.8%below the sector's middle half▼ 11.1pp
Current ratio0.90below the sector's middle half▲ 0.120.96within the sector's middle half▲ 0.060.66below the sector's middle half▼ 0.290.84below the sector's middle half▲ 0.170.73below the sector's middle half▼ 0.10
Return on assets (ROA)7.8%within the sector's middle half▲ 30.4pp5.9%within the sector's middle half▼ 2.0pp-44.7%below the sector's middle half▼ 50.5pp11.5%within the sector's middle half▲ 56.2pp-8.4%below the sector's middle half▼ 19.9pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4,251 after €21,124 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125,926
Fixed assets
€284 ▼ 37.7%
Current assets
€125,642 ▼ 7.3%
Key figures and ratios
EBITDA
-€4,079▼
2024 · €21,286
Cash flow
-€10,461▼
2024 · €15,808
Quick ratio
0.19▼
2024 · 0.32
Debt to equity
-3.23▲
2024 · -3.97
Interest coverage
-0.64▼
2024 · 3.73
Debt ≤ 1 year
€170,982▲
2024 · €162,331
Debt > 1 year
€11,416▼
2024 · €19,524
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,570 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 88% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a small loss
4.6%
went bankrupt
5.5%
stopped otherwise
88%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 5.2% 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%.
| 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 1,570 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €6,335 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,900 | €2,997 | €2,358 | €162 | €172 | ▲ 6.2% |
| Other operating charges640/8 | - | - | - | €104 | €162 | ▲ 55.8% |
| Non-recurring operating charges66A | - | - | - | €136 | - | - |
| Gross operating margin9900 | €22,599 | €16,551 | -€48,847 | €21,526 | -€3,917 | ▼ 118% |
| Operating profit (loss)9901 | €19,700 | €13,555 | -€51,205 | €21,124 | -€4,251 | ▼ 120% |
| Financial income75/76B | - | €658 | €352 | €239 | €29 | ▼ 87.9% |
| Recurring financial income75 | €55 | €658 | €352 | €239 | €29 | ▼ 87.9% |
| Financial charges65/66B | - | €2,089 | €3,533 | €5,712 | €6,411 | ▲ 12.2% |
| Recurring financial charges65 | €2,242 | €2,089 | €3,533 | €5,712 | €6,411 | ▲ 12.2% |
| Profit (loss) for the period before taxes9903 | €17,512 | €12,123 | -€54,386 | €15,651 | -€10,633 | ▼ 168% |
| Income taxes67/77 | - | - | €3 | €5 | - | - |
| Profit (loss) for the period9904 | €17,512 | €12,123 | -€54,389 | €15,646 | -€10,633 | ▼ 168% |
| Profit (loss) for the period to be appropriated9905 | €17,512 | €12,123 | -€54,389 | €15,646 | -€10,633 | ▼ 168% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €223,266 | €207,180 | €121,756 | €136,016 | €125,926 | ▼ 7.4% |
| Fixed assets21/28 | €5,452 | €2,455 | €97 | €456 | €284 | ▼ 37.7% |
| Tangible fixed assets22/27 | €5,452 | €2,455 | €97 | €456 | €284 | ▼ 37.7% |
| Furniture and vehicles24 | - | €2,455 | €97 | €456 | €284 | ▼ 37.7% |
| Current assets29/58 | €217,814 | €204,725 | €121,659 | €135,560 | €125,642 | ▼ 7.3% |
| Stocks and contracts in progress3 | €134,033 | €122,126 | €91,047 | €83,887 | €92,928 | ▲ 10.8% |
| Stocks30/36 | - | €122,126 | €91,047 | €83,887 | €92,928 | ▲ 10.8% |
| Amounts receivable within one year40/41 | €9,369 | €21,839 | €19,025 | €39,317 | €31,132 | ▼ 20.8% |
| Trade receivables40 | - | €21,839 | €19,025 | €39,317 | €31,079 | ▼ 21.0% |
| Other amounts receivable41 | - | - | - | - | €53 | - |
| Cash at bank and in hand54/58 | €74,412 | €60,759 | €10,527 | €12,356 | €947 | ▼ 92.3% |
| Deferred charges and accrued income490/1 | - | - | €1,061 | - | €635 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €223,266 | €207,180 | €121,756 | €136,016 | €125,926 | ▼ 7.4% |
| Equity10/15 | -€19,219 | -€7,096 | -€61,485 | -€45,839 | -€56,472 | ▼ 23.2% |
| Contributions10/11 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Profit (loss) carried forward14 | -€44,219 | -€32,096 | -€86,485 | -€70,839 | -€81,472 | ▼ 15.0% |
| Amounts payable17/49 | €242,485 | €214,276 | €183,241 | €181,855 | €182,398 | ▲ 0.3% |
| Amounts payable after more than one year17 | - | - | - | €19,524 | €11,416 | ▼ 41.5% |
| Financial debts170/4 | - | - | - | €19,524 | €11,416 | ▼ 41.5% |
| Amounts payable within one year42/48 | €242,485 | €214,276 | €183,241 | €162,331 | €170,982 | ▲ 5.3% |
| Current portion of amounts payable after more than one year42 | - | - | - | €6,516 | €7,521 | ▲ 15.4% |
| Trade debts44 | €7,929 | €4,320 | €15,455 | €20,616 | €30,573 | ▲ 48.3% |
| Suppliers440/4 | - | €4,320 | €15,455 | €20,616 | €30,573 | ▲ 48.3% |
| Advances received on contracts in progress46 | - | €254 | €254 | - | - | - |
| Taxes, remuneration and social security45 | - | €2,538 | €3,318 | €2,971 | €2,597 | ▼ 12.6% |
| Taxes450/3 | - | €2,538 | €3,318 | €2,971 | €2,597 | ▼ 12.6% |
| Other amounts payable47/48 | - | €207,164 | €164,214 | €132,228 | €130,291 | ▼ 1.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,512 | €12,123 | -€54,389 | €15,646 | -€10,633 | ▼ 168% |
| + Depreciation and write-downs630 | €2,900 | €2,997 | €2,358 | €162 | €172 | ▲ 6.2% |
| Operating cash flow (approximation) | €20,412 | €15,120 | -€52,031 | €15,808 | -€10,461 | ▼ 166% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€521 | €0 | ▲ 100% |
| Change in cash | - | -€13,653 | -€50,232 | €1,829 | -€11,409 | ▼ 724% |
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
Next filing, fiscal year 2026, expected by
2026
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 37 days late
2025
24-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
30-06
Financial
Back to profitnet €15,646
Net result €15,646 after one loss-making year.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet -€54,389
Net result drops to -€54,389, the lowest in the series; recovery starts the following year.
2022
23-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
22-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Back to profitnet €17,512
Net result €17,512 after 2 loss-making years.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
22-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Brussel · 2 establishment units since 2018
Ground area
1,178 m²
Building footprint
365 m²
Volume, LiDAR
4,393 m³
2 parcels, Brussels, Wallonia · tallest building 34.0 m, ±5 floors. Linked by address, not a title deed.
493
companies at this address
See who is registered here
2 establishment units
Serendy
since 20182.282.333.388
Serendy
since 20252.375.627.592
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92014C0123/00C002 | Wallonia | 911 m² | 1 · 100 m² | 9.3 m · 2 fl. |
| 21807G0211/00W012 | Brussels | 266 m² | 1 · 265 m² | 34.0 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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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 798 companies in sector 46450 we hold annual accounts for 453. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-11-2018
Fiscal year end30-06
Activities, NACEBEL 2025
46450Wholesale of perfume and cosmetics
46423Wholesale of clothing, excluding workwear and underwear
46424Wholesale trade
47750Retail sale of cosmetics and toilet articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0713570206
Also
9925:BE0713570206
Registered
08-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.