SERFAC

Active Risk: not assessed Private limited companyfounded 2008active for 18 yearsLiersesteenweg 260, 2220 Heist-op-den-BergKBO/BCE: BE 0897.994.326

SERFAC

Financial year 2025

Follow Report Compare

Annual accounts 2025

abbreviated format, filed on 28-07-2026, 3 days before the deadline

€1.2m

▼ 11.1%

€2.2m

▼ 32.2%

€9,692

▲ 124%

52.4%

▲ 12.4 percentage points

0.8%

▲ 0.5 percentage points

0.4%

▲ 0.3 percentage points

Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.

Balance sheet

balance sheet total €2.2m on 31-12-2025

What the company ownsHow it is paid for

in €m

in euro

Position in the sector

Compare with sector

52.4%

Higher than 52% of 6,708 companies in 2025.

0.4%

Higher than 25% of 6,673 companies in 2025.

SERFAC Middle half of the sector 80% of the sector Abbreviated accounts in financial services (NACE 64)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Staff: top quarter

Staff

€90,874

Staff costs divided by the average number of full-time equivalents.

-1 person

people who joined people who left

In 2025, nobody joined and 1 person left.

Filed annual accounts

as filed with the National Bank, click a year to choose it

Line	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Balance sheet: assets
`20/58`	2.2m	3.2m	3.2m	2.7m	2.7m	3.2m	2.9m	3.0m	2.7m	2.4m	2.4m	2.1m	1.8m	1.7m	1.4m	1.0m	714,683	592,510
`21/28`	747,014	728,087	536,742	305,426	632,822	413,953	241,747	227,849	271,756	196,094	128,619	131,886	162,139	212,251	240,032	168,739	83,217	70,844
`22/27`	746,992	728,065	536,720	305,404	632,800	413,932	241,726	227,827	271,735	196,072	128,597	131,864	162,118	212,229	240,010	168,739	83,217	70,844
`24`	746,992	728,065	536,720	305,404	632,800	413,932	241,726	227,827	271,735	196,072	128,597	131,864	162,118	212,229	240,010	168,739	83,217	70,844
`28`	22	22	22	22	22	22	22	22	22	22	22	22	22	22	22	-	-	-
`29/58`	1.4m	2.5m	2.6m	2.4m	2.1m	2.8m	2.7m	2.7m	2.5m	2.2m	2.3m	2.0m	1.6m	1.5m	1.2m	874,016	631,465	521,666
`3`	695,076	1.5m	1.2m	1.0m	331,539	250,189	253,569	153,968	-	-	-	-	-	-	-	-	-	-
`30/36`	695,076	1.5m	1.2m	1.0m	331,539	250,189	253,569	153,968	-	-	-	-	-	-	-	-	-	-
`40/41`	278,062	209,127	549,957	422,649	933,665	1.8m	1.7m	1.8m	1.5m	2.1m	1.5m	953,731	327,823	378,648	185,997	202,919	51,582	288,260
`40`	182,671	151,259	515,091	370,307	783,142	630,066	418,947	486,958	234,166	539,163	125,109	539,666	44,622	227,255	185,997	200,819	51,582	288,260
`41`	95,391	57,867	34,866	52,342	150,523	1.2m	1.3m	1.3m	1.3m	1.6m	1.4m	414,065	283,202	151,393	-	2,100	-	-
`50/53`	-	397,631	397,631	397,631	397,631	396,992	396,992	704,661	704,661	-	-	-	-	-	-	-	250,000	-
`54/58`	456,335	398,384	497,710	523,090	419,826	335,286	339,428	89,027	265,706	112,630	771,966	1.0m	1.3m	1.1m	966,076	671,087	329,876	232,942
`490/1`	19,031	18,149	16,715	22,298	18,735	13,581	1,623	2,057	2,027	1,988	1,621	491	-	-	698	10	7	464
Balance sheet: equity and liabilities
`10/49`	2.2m	3.2m	3.2m	2.7m	2.7m	3.2m	2.9m	3.0m	2.7m	2.4m	2.4m	2.1m	1.8m	1.7m	1.4m	1.0m	714,683	592,510
`10/15`	1.2m	1.3m	1.4m	1.4m	1.3m	1.3m	1.2m	1.1m	1.0m	1.0m	1.0m	1.0m	982,336	846,466	691,332	513,182	358,410	212,770
`10/11`	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000
`100`	-	-	-	-	-	-	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000
`13`	1.0m	1.1m	1.2m	1.2m	1.2m	1.2m	1.0m	904,366	879,406	899,666	896,909	884,581	832,336	696,466	541,332	363,182	208,410	62,770
`130/1`	-	-	-	15,000	15,000	15,000	-	-	-	-	-	-	-	-	-	-	-	-
`130`	-	-	-	-	-	-	15,000	15,000	15,000	15,000	15,000	15,000	15,000	15,000	15,000	15,000	15,000	15,000
`1311`	-	-	-	15,000	15,000	15,000	-	-	-	-	-	-	-	-	-	-	-	-
`133`	1.0m	1.1m	1.2m	1.2m	1.2m	1.2m	1.0m	889,366	864,406	884,666	881,909	869,581	817,336	681,466	526,332	348,182	193,410	47,770
`17/49`	1.0m	1.9m	1.8m	1.4m	1.4m	1.9m	1.8m	1.9m	1.7m	1.4m	1.3m	1.1m	784,970	818,885	701,471	529,574	356,273	379,740
`17`	688,000	1.1m	1.1m	1.1m	1.1m	1.1m	1.1m	1.1m	1.1m	557,000	552,000	552,000	452,000	475,000	275,000	200,000	115,000	102,075
`170/4`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	12,075
`178/9`	688,000	1.1m	1.1m	1.1m	1.1m	1.1m	1.1m	1.1m	1.1m	557,000	552,000	552,000	452,000	475,000	275,000	200,000	115,000	90,000
`42/48`	357,389	837,334	674,320	246,902	296,993	821,017	655,726	811,195	600,573	801,644	791,023	546,838	332,970	343,129	426,390	329,574	241,273	277,664
`42`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	12,075	15,426
`43`	-	-	-	-	-	-	-	-	1,702	17,944	2,996	9,838	-	-	-	-	-	-
`439`	-	-	-	-	-	-	-	-	1,702	17,944	2,996	9,838	-	-	-	-	-	-
`44`	98,591	60,248	118,230	123,445	41,856	112,277	115,877	2,785	2,292	5,044	25,856	4,954	4,765	5,759	18,880	3,590	20,879	367
`440/4`	98,591	60,248	118,230	123,445	41,856	112,277	115,877	2,785	2,292	5,044	25,856	4,954	4,765	5,759	18,880	3,590	20,879	367
`45`	53,106	113,742	89,272	88,071	60,382	109,218	73,101	98,277	125,482	116,546	198,186	185,608	198,787	157,104	217,801	182,840	129,000	181,178
`450/3`	32,334	96,506	72,080	65,961	41,896	89,621	55,762	81,651	114,907	97,413	185,718	174,607	180,230	138,673	200,760	182,840	129,000	181,178
`454/9`	20,772	17,237	17,191	22,111	18,486	19,597	17,339	16,627	10,574	19,133	12,468	11,001	18,558	18,432	17,040	-	-	-
`47/48`	205,693	663,343	466,818	35,386	194,755	599,523	466,748	710,132	471,097	662,110	563,984	346,438	129,418	180,266	189,710	143,143	79,319	80,694
`492/3`	-	-	-	-	-	-	-	-	250	-	-	-	-	756	81	-	-	-
Income statement
`76A`	54,876	51,602	20,790	46,096	10,634	25,196	15,395	973	11,500	5,078	22,358	2,594	8,147	3,110	1,689	-	-	-
`9900`	531,421	491,994	494,720	442,076	488,620	642,674	642,542	670,028	638,033	598,594	574,585	652,930	591,018	588,239	527,667	425,939	328,674	153,602
`62`	127,224	127,573	116,369	100,143	63,584	92,610	90,124	87,695	87,598	84,785	82,252	86,325	87,850	78,229	62,284	-	-	-
`630`	302,793	252,298	232,182	182,316	198,120	144,104	143,823	112,411	105,963	74,645	71,038	80,448	100,263	107,187	80,534	51,159	24,304	5,679
`631/4`	-204	-6,707	-1,567	24,990	15,636	-744	-744	7,199	-	-	-	-	-	-	-	-	-	-
`640/8`	29,263	28,775	42,747	42,146	28,484	15,078	35,934	10,847	12,187	8,722	9,133	6,814	50,789	7,543	8,253	5,588	1,675	1,899
`66A`	-	-	1,054	5,945	326	-	10,908	-	15,460	-	1,034	2,410	3,540	-	-	-	-	-
`9901`	72,345	90,054	103,935	86,536	182,470	391,626	362,496	451,876	416,824	430,441	412,162	479,344	352,116	395,280	376,596	369,193	302,695	146,024
`75/76B`	8,559	10,198	5,939	7,910	5,632	8,378	7,794	13,463	0	79	233	66	1,617	15,550	16,481	8,661	2,101	1,794
`75`	8,559	10,198	5,939	7,910	5,632	8,378	7,794	13,463	0	79	233	66	1,617	15,550	16,481	8,661	2,101	1,794
`65/66B`	65,067	90,240	63,740	46,262	55,282	59,878	81,262	69,575	71,608	56,978	46,866	34,860	33,192	28,616	19,182	15,854	11,641	5,279
`65`	65,067	90,240	63,740	46,262	55,282	59,878	81,262	69,575	71,608	56,978	46,866	34,860	33,192	28,616	19,182	15,854	11,641	5,279
`9903`	15,836	10,012	46,133	48,184	132,819	340,126	289,028	395,765	345,217	373,543	386,853	444,733	325,148	385,324	375,585	362,000	293,155	142,539
`67/77`	6,145	5,689	10,939	13,488	7,589	71,947	62,581	70,804	65,477	70,786	74,525	92,488	75,277	116,190	83,435	93,228	78,015	33,269
`9904`	9,692	4,323	35,194	34,696	125,231	268,179	226,448	324,961	279,740	302,757	312,328	352,245	249,871	269,134	292,150	268,772	215,140	109,270
`9905`	9,692	4,323	35,194	34,696	125,231	268,179	226,448	324,961	279,740	302,757	312,328	352,245	249,871	269,134	292,150	268,772	215,140	109,270
Appropriation of the result
`9906`	9,692	4,323	35,194	34,696	125,231	268,179	226,448	324,961	279,740	302,757	312,328	352,245	249,871	269,134	292,150	268,772	215,140	109,270
`791/2`	153,000	110,000	-	-	-	-	-	-	20,260	-	-	-	-	-	-	-	-	-
`691/2`	9,692	4,323	35,194	34,696	10,231	153,179	111,448	24,961	-	2,757	12,328	52,245	135,871	155,134	178,150	154,772	145,640	62,770
`6920`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	15,000
`6921`	9,692	4,323	35,194	34,696	10,231	153,179	111,448	24,961	-	2,757	12,328	52,245	135,871	155,134	178,150	154,772	145,640	47,770
`694/7`	153,000	110,000	-	-	115,000	115,000	115,000	300,000	300,000	300,000	300,000	300,000	114,000	114,000	114,000	114,000	69,500	46,500
`694`	153,000	110,000	-	-	-	-	-	150,000	150,000	150,000	150,000	150,000	39,000	39,000	39,000	39,000	19,500	16,500
`695`	-	-	-	-	115,000	115,000	115,000	150,000	150,000	150,000	150,000	150,000	75,000	75,000	75,000	75,000	50,000	30,000
Social balance sheet
`9087`	1.4	1.8	1.6	1	1	1	1	1	1	1	1	1	1	1	0.8	-	-	-
Hours worked`1013`	2,479	2,974	2,617	1,732	834	1,778	1,764	1,764	1,654	1,764	1,756	1,762	1,688	1,776	1,412	-	-	-
Document	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF

The notes to these accounts have 11 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 28-07-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

Financial year	Type	Filed	Reference	Document
31-12-2025	abbreviated format	28-07-2026	2026-00353441	PDF
31-12-2024	abbreviated format	31-07-2025	2025-00354196	PDF
31-12-2023	abbreviated format	05-08-2024	2024-00341158	PDF
31-12-2022	abbreviated format	25-08-2023	2023-00356910	PDF
31-12-2021	abbreviated format	26-08-2022	2022-20323234	PDF
31-12-2020	abbreviated format	31-08-2021	2021-60700065	PDF
31-12-2019	abbreviated format	09-10-2020	2020-60700523	PDF
31-12-2018	abbreviated format	22-08-2019	2019-49400076	PDF
31-12-2017	abbreviated format	17-08-2018	2018-46700428	PDF
31-12-2016	abbreviated format	22-06-2017	2017-20200328	PDF
31-12-2015	abbreviated format	28-07-2016	2016-37900053	PDF
31-12-2014	abbreviated format	26-06-2015	2015-22400338	PDF
31-12-2013	abbreviated format	14-07-2014	2014-30600414	PDF
31-12-2012	abbreviated format	19-07-2013	2013-33700153	PDF
31-12-2011	abbreviated format	13-07-2012	2012-29600158	PDF
31-12-2010	abbreviated format	20-07-2011	2011-32000406	PDF
31-12-2009	abbreviated format	19-07-2010	2010-31400009	PDF
31-12-2008	abbreviated format	19-07-2010	2010-31300423	PDF

Key figures and ratios

per financial year, computed from the annual accounts

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
343,647	547,603	482,714	115,368	499,235	321,019	198,596	71,300	227,860	144,926	79,100	55,012	82,491	80,841	158,638	136,681	36,678	76,523
57,951	-99,325	-25,381	103,265	84,539	-4,141	250,400	-176,679	153,076	-659,336	-275,346	-230,032	202,892	108,375	294,989	341,211	96,934	-
52.4%	39.9%	44.0%	50.2%	48.6%	40.6%	39.8%	35.5%	37.6%	43.6%	43.8%	48.5%	55.6%	50.8%	49.6%	49.2%	50.1%	35.9%
0.8%	0.3%	2.5%	2.5%	9.4%	20.3%	19.4%	30.8%	27.2%	28.8%	29.8%	34.0%	25.4%	31.8%	42.3%	52.4%	60.0%	51.4%
0.4%	0.1%	1.1%	1.3%	4.6%	8.3%	7.7%	10.9%	10.2%	12.6%	13.1%	16.5%	14.1%	16.2%	21.0%	25.8%	30.1%	18.4%

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item	31-12-2025	31-12-2024	31-12-2023	31-12-2022	31-12-2021
Employees at the balance-sheet date	1	2	2	1	1
full-time	1	1	1	1	1
part-time	-	1	1	-	-
in full-time equivalents	1	1.8	1.8	1	1
	1.4	1.8	1.6	1	1
On a permanent contract	1	2	1	1	1
Joined	0	-	2	-	-
Left	1	-	1	-	-

Source: social balance sheet in the 2021 to 2025 annual accounts

Investments

fixed assets acquired

Item	2025	2024	2023	2022	2021
Tangible fixed assets	€343,647	€547,603	€482,714	€115,368	€499,235
	€302,793	€252,298	€232,182	€182,316	€198,120

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on SERFAC

The operating result for 2025 is 20% lower than in 2024 and the lowest since 2008. It is the second fall in a row.

Debt's share of the balance-sheet total falls from 60.1% to 47.6%. Equity and debt are lower.

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check See what changed in the latest annual accounts.What changed

Annual accounts 2025

Balance sheet

Change in equityin €m

Change in cashin euro

Position in the sector

Solvency52.4%

Return on assets0.4%

Staff

Staff cost per FTE€90,874

Joined and left-1 person

Filed annual accounts

Filings

Key figures and ratios

Social balance sheet

Investments

Insights on SERFAC

Next steps

in €m

in euro

52.4%

0.4%

€90,874

-1 person