Equity
SERFAC paid out €153,000 in dividends. That is 1,579% of the 2025 profit.
SERFAC paid out €153,000 in dividends. That is 1,579% of the 2025 profit.
The abbreviated format states no turnover.
In 2025, nobody joined and 1 person left.
Short-term debts fell from €837,334 to €357,389.
Seven of the last ten came late. The 2019 accounts came latest: 70 days after the end of the period.
Higher gross margin than 90% of companies in financial services. Sector median €83,170 · 6,702 companies.
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 22 days after the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| SERFAC Heist-op-den-Berg | - | - | 52.4% | 1.4 |
| CORNELIS BEDDING GROUP Rumst | - | - | 83.7% | 1.8 |
| Officeco Antwerp | €960,500 | 18.9% | 75.1% | 1.8 |
| District01 Kontich | €601,708 | 73.9% | 55.0% | 1 |
| Ever Present Beersel | - | - | 88.6% | 1.8 |
| SAGIR Aalter | - | - | 78.8% | 1 |
| NEDERLANDSE PARTICIPATIE MAATSCHAPPIJ(BELGIE) Ghent | - | - | 45.4% | 1 |
These companies have the same main activity as SERFAC: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €1.6m and €3.2m, founded between 2003 and 2012.
SERFAC files the abbreviated format. That format states no turnover. The gross margin rose from €153,602 in 2008 to €531,421 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Higher than 52% of 6,708 companies in 2025.
Higher than 25% of 6,673 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Staff: top quarter
Staff costs divided by the average number of full-time equivalents.
In 2025, nobody joined and 1 person left.
| Line | Trend | 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 worked1013 |
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 | |||||||||||||||||||
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.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 28-07-2026 | 2026-00353441 | |
| 31-12-2024 | abbreviated format | 31-07-2025 | 2025-00354196 | |
| 31-12-2023 | abbreviated format | 05-08-2024 | 2024-00341158 | |
| 31-12-2022 | abbreviated format | 25-08-2023 | 2023-00356910 | |
| 31-12-2021 | abbreviated format | 26-08-2022 | 2022-20323234 | |
| 31-12-2020 | abbreviated format | 31-08-2021 | 2021-60700065 | |
| 31-12-2019 | abbreviated format | 09-10-2020 | 2020-60700523 | |
| 31-12-2018 | abbreviated format | 22-08-2019 | 2019-49400076 | |
| 31-12-2017 | abbreviated format | 17-08-2018 | 2018-46700428 | |
| 31-12-2016 | abbreviated format | 22-06-2017 | 2017-20200328 | |
| 31-12-2015 | abbreviated format | 28-07-2016 | 2016-37900053 | |
| 31-12-2014 | abbreviated format | 26-06-2015 | 2015-22400338 | |
| 31-12-2013 | abbreviated format | 14-07-2014 | 2014-30600414 | |
| 31-12-2012 | abbreviated format | 19-07-2013 | 2013-33700153 | |
| 31-12-2011 | abbreviated format | 13-07-2012 | 2012-29600158 | |
| 31-12-2010 | abbreviated format | 20-07-2011 | 2011-32000406 | |
| 31-12-2009 | abbreviated format | 19-07-2010 | 2010-31400009 | |
| 31-12-2008 | abbreviated format | 19-07-2010 | 2010-31300423 |
| Line | Trend | 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.
| 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
| 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)
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.
SERFAC has no parent and no holdings in its annual accounts.
| SERNEELS HEIST-OP-DEN-BERG
registered office since 01-01-1974 · founded in 1973 |
8.3 FTE (2025) 0413.954.923 |
| ALGEMEEN MANAGEMENT SERNEELS via SERNEELS Geert Jozef Ida, at SERFAC until 2023 · Statutory director · deed of 13-06-2023 founded in 2013 |
total assets €4.9m (2025) |
The network starts from the earlier ties.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Serneels Facilities registered office Liersesteenweg 260, 2220 Heist-op-den-Berg | 06-05-2008 | 2.171.157.334 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 12322I0268/00C004 | 1,821 m² | 1 · 1,260 m² | 8.7 m · 2 |
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