Summary
SERENITY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €204,320 and a net result of €13,820. Its solvency ranks better than 36% of 2464 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What held for this company on a given day: board, seat, name?Company as of a date Which other companies resemble this one?Lookalike companies
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€204,320
Net result
€13,820
Total assets
€606,444
Solvency
33.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €606,444
Fixed assets
€559,524
Current assets
€46,920
Equity and liabilities €606,444
Equity
€204,320
Debt
€402,124
Debt finances 66.3% of the balance-sheet total.
Key figures and ratios
ROE
6.8%
ROA
2.3%
Debt ≤ 1 year
€52,538
Debt > 1 year
€349,586
Income taxes
€3,466
Annual accounts
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,955 |
| Other operating charges640/8 | €603 |
| Gross operating margin9900 | €29,404 |
| Operating profit (loss)9901 | €17,846 |
| Financial charges65/66B | €560 |
| Recurring financial charges65 | €560 |
| Profit (loss) for the period before taxes9903 | €17,286 |
| Income taxes67/77 | €3,466 |
| Profit (loss) for the period9904 | €13,820 |
| Profit (loss) for the period to be appropriated9905 | €13,820 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €606,444 | |
| Fixed assets21/28 | €559,524 | |
| Intangible fixed assets21 | €556,614 | |
| Tangible fixed assets22/27 | €2,910 | |
| Furniture and vehicles24 | €2,910 | |
| Current assets29/58 | €46,920 | |
| Amounts receivable within one year40/41 | €40,000 | |
| Trade receivables40 | €40,000 | |
| Cash at bank and in hand54/58 | €3,170 | |
| Deferred charges and accrued income490/1 | €3,750 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €606,444 | |
| Equity10/15 | €204,320 | |
| Contributions10/11 | €190,500 | |
| Profit (loss) carried forward14 | €13,820 | |
| Amounts payable17/49 | €402,124 | |
| Amounts payable after more than one year17 | €349,586 | |
| Financial debts170/4 | €349,586 | |
| Amounts payable within one year42/48 | €52,538 | |
| Current portion of amounts payable after more than one year42 | €30,414 | |
| Trade debts44 | €25 | |
| Suppliers440/4 | €25 | |
| Taxes, remuneration and social security45 | €3,466 | |
| Taxes450/3 | €3,466 | |
| Other amounts payable47/48 | €18,633 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €13,820 |
| + Depreciation and write-downs630 | €10,955 |
| Operating cash flow (approximation) | €24,776 |
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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Morlanwelz · 1 establishment unit since 2025
Ground area
835 m²
Building footprint
140 m²
Volume, LiDAR
1,290 m³
2 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SERENITA
since 20252.379.100.291
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56015A0822/00B007 | Wallonia | 575 m² | 1 · 56 m² | 10.8 m · 3 fl. |
| 56033A0008/00N005 | Wallonia | 261 m² | 1 · 84 m² | 11.0 m · 3 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.
Similar companies · same sector, comparable size
AZV
BE 0425.646.787
Vilvoorde · Eq €204,318
VP CONCEPT
BE 0667.973.573
Oudergem · Eq €204,283
ASSURANCES BOUGARD-SUD
BE 0633.654.280
Philippeville · Eq €204,598
LOOSVELT VERZEKERINGEN
BE 0453.767.879
Menen · Eq €204,731
R.G.F. LOANS
BE 0544.890.372
Chaudfontaine · Eq €203,864
Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,821 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-10-2025
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-mail
-mathias.debock@outlook.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:1028488822
Also
9925:BE1028488822
Registered
17-09-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.