Turnover
≈ €92,000 estimated
The micro format states no turnover.
SERGE DE GHELDERE
Lifetime
13 annual accounts with figures on one time axispeak €84,729 (2023)
€30,423▼ 47.4%
lowest -€18,056 (2020)
€3,372▼ 85.0%
peak €118,473 (2024)
€103,296▼ 12.8%
€17,158▼ 88.3%
Board1 name since 2010
1 directorSerge de Gheldere
Owners
Documentsfilings and deeds
24-03-2026129 days before the deadline
2025micro format
Gross margin from €57,887 to €30,423Result from €22,455 to €3,372Equity from €118,473 to €103,296Debts from €146,804 to €17,158Cash from €67,314 to €43,791
Key points
from the 2025 annual accountsFilings
13 annual accounts since 2012
Six of the last ten came late. The 2020 accounts came latest: 90 days after the end of the period.
Position in the sector
85.8%
Higher solvency than 85% of companies in architecture and engineering. Sector median 53.9% · 11,794 companies.
Checked score
95
Excellent
Financially stronger than 58% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,828 companies (NACE 71, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%highest value
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.1%▼ -0.2 percentage points vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: < 0.1%▼ -0.1 percentage points vs 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 4.83, cash €43,791
Equity €103,296 (85.8% of total assets)
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Figures for financial year 2025 (filed on 25-03-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 71, micro). It does better than 87% of them on solvency, 85% on liquidity, 35% on profitability and 25% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 10,904 companies had the same profile as SERGE DE GHELDERE has now. Each dot stands for 28 companies, two years later.
95.2%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of SERGE DE GHELDERE itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 10,904 companies, not a prediction for SERGE DE GHELDERE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €9,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.83 (3.55 in 2024), above the usual 1.5. Short-term debt is 14.2% and cash 36.4% of total assets. 14.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 24-03-2026, 129 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
129 days early
2024
58 days early
2023
36 days early
2022
88 days late
2021
31 days late
2020
90 days late
2018
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 2 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 June (4 of the last 5 accounts filed within 94 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0827519272
Reappointment: dE GHELDERE, Serge Jean Charles Marie (enige thans in functie zijnde statutaire bestuurder)
Appointment: dE GHELDERE, Serge Jean Charles Marie (statutory director) · “Alle mogelijke advies- en/of dienstenfuncties op het vlak van…” (deed in Dutch) · General meeting of 21-04-2022 · Gazette deed
Incorporation
published on 14-07-2010 · Gazette deed
First establishment
SdG BVBA, Kouterstraat 170, Overijse
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SERGE DE GHELDERE Overijse | €120,454 | €30,423 | 85.8% | - |
| VAN DEN BERGHE R&D Tienen | €130,939 | €32,130 | 88.8% | - |
| D & D Engineering Tielt-Winge | €128,683 | €32,749 | 65.7% | - |
| ConSystemSea Beringen | €118,781 | €28,837 | 81.9% | - |
| Landmeter Van Herwegen Hove | €126,834 | €26,812 | 47.5% | - |
| ROISERV Mol | €106,336 | €33,761 | 79.3% | - |
| Frédéric Tombeur Brasschaat | €120,379 | €33,142 | -28.7% | - |
These companies have the same main activity as SERGE DE GHELDERE: engineering and related technical consultancy, excluding land surveyors (NACE 71121). They are comparable in size and age: total assets between €106,000 and €131,000, founded between 2010 and 2012.
Official details
Source: KBO- Status
- Active since 05-07-2010Normal situation
- Activity
- Engineering and related technical consultancy, excluding land surveyorsNACE 71121and 3 others
- Establishment unit
- 2.189.673.4463090 Overijse, since 05-07-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 28-07-2024
Annual accounts 2025
- €120,454▼ 54.6%
- Filing
- Filed on 24-03-2026, 129 days before the end of the filing period
Insights on SERGE DE GHELDERE
SERGE DE GHELDERE files the micro format. That format states no turnover. The gross margin rose from €9,174 in 2012 to €30,423 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SERGE DE GHELDERE
- What is the company number of SERGE DE GHELDERE?
- The company number of SERGE DE GHELDERE is 0827.519.272. The VAT number is the same number with BE in front: BE 0827.519.272.
- Where is SERGE DE GHELDERE based?
- The registered office is at Kouterstraat 170, 3090 Overijse.Company details
- What does SERGE DE GHELDERE do?
- According to the KBO register, the main activity is engineering and related technical consultancy, excluding land surveyors (NACE 71121).
- What is the legal form of SERGE DE GHELDERE?
- SERGE DE GHELDERE is a private limited company (BV).
- When was SERGE DE GHELDERE founded?
- SERGE DE GHELDERE was founded on 05-07-2010.
- Is SERGE DE GHELDERE still active?
- Yes, SERGE DE GHELDERE is an active enterprise in the KBO register.
- What is the turnover of SERGE DE GHELDERE?
- The turnover in financial year 2025 is ≈ €92,000. This figure is estimated from the gross margin of €30,423 and 32 comparable companies (NACE 71121). It probably lies between €60,000 and €120,000.Financials
- Is SERGE DE GHELDERE profitable?
- In financial year 2025, SERGE DE GHELDERE made a profit of €3,372.
- Where can I find the annual accounts of SERGE DE GHELDERE?
- SERGE DE GHELDERE filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SERGE DE GHELDERE due?
- SERGE DE GHELDERE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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