SergeVS Assurances

Active

Private limited companyfounded 20214 yrs activeLe Haut de Baudrimont,OFF 4, 6840 Neufchâteau, BelgiumKBO/BCE: BE 0777.817.660

Summary

The computed 12-month bankruptcy probability of SergeVS Assurances is 3.7% (moderate). The 2025 annual accounts show equity of €28k and a net result of €17k. Equity is growing by ~26.6% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

62 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability93▼-7

Solvency58▼-21

Growth52=

Track record94

Bankruptcy probability, 12 months

3.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity tight (current ratio 1.33 against 2.4 in 2024; short-term debt: 64% and cash: 72% of total assets), and 67.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

No NACE activity registered

No NACE activity is registered in the KBO, which is more common among companies that later fail.

KBO · activities

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

32.5%

Return on assets

19.3%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

4 d early

2024

8 d early

2023

26 d late

2022

63 d late

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€133k▼ 17.5%

2022 · €161k

2022: €161k

2022 → 2023

EBIT margin

-0.9%▼ 9.1pp

2022 · 8.2%

2022: 8.2%

2022 → 2023

Net result

€17k▼ 41.6%

2024 · €28k

2022: €9k 2023: €-2k 2024: €28k

2022 → 2025

Working capital

€18k▼ 40.9%

2024 · €31k

2022: €6k 2023: €2k 2024: €31k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Turnover€161k-€133k▼ 17.5%

Equity€15k-€13k▼ 15.7%€41k▲ 218%€28k▼ 32.7%

Operating result€13k-€-1k€37k€23k▼ 39.2%

Net result€9k-€-2k€28k€17k▼ 41.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 39% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €85k

14.8%

85.2%

Fixed assets €13k ▼ 47.0%

Current assets €73k ▲ 38.6%

Equity and liabilities €85k

32.5%

67.5%

Equity €28k ▼ 32.7%

Debt €58k ▲ 64.2%

Debt's share of the balance-sheet total rises from 45.9% to 67.5%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€34k▼

2024 · €48k

Cash flow

€28k▼

2024 · €39k

Current ratio

1.33▼

2024 · 2.40

Debt to equity

2.07▲

2024 · 0.85

ROE

59.4%▼

2024 · 68.5%

ROA

19.3%▼

2024 · 37.0%

Interest coverage

60.36▲

2024 · 53.38

Debt ≤ 1 year

€55k▲

2024 · €22k

Debt > 1 year

€2k▼

2024 · €13k

Income taxes

€5k▼

2024 · €8k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines

Balance sheet Code20242025

Assets

Total assets20/58€76k€85k▲

Fixed assets21/28€24k€13k▼

Intangible fixed assets21€23k€12k▼

Tangible fixed assets22/27€713€484▼

Furniture and vehicles24€713€484▼

Current assets29/58€52k€73k▲

Amounts receivable within one year40/41€18k€10k▼

Trade receivables40€11k€4k▼

Other amounts receivable41€7k€5k▼

Cash at bank and in hand54/58€34k€61k▲

Deferred charges and accrued income490/1€175€2k▲

Equity and liabilities

Total equity and liabilities10/49€76k€85k▲

Equity10/15€41k€28k▼

Contributions10/11€6k€6k=

Reserves13€35k€5k▼

Distributable reserves133€35k€5k▼

Profit (loss) carried forward14-€17k

Amounts payable17/49€35k€58k▲

Amounts payable after more than one year17€13k€2k▼

Financial debts170/4€13k€2k▼

Amounts payable within one year42/48€22k€55k▲

Current portion of amounts payable after more than one year42€11k€11k▲

Financial debts43€2k€5k▲

Credit institutions430/8€2k€5k▲

Trade debts44€5k€672▼

Suppliers440/4€5k€672▼

Taxes, remuneration and social security45€3k€7k▲

Taxes450/3€3k€7k▲

Other amounts payable47/48€316€31k▲

Accrued charges and deferred income492/3-€1k

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k=

Other operating charges640/8-€80

Gross operating margin9900€48k€34k▼

Operating profit (loss)9901€37k€23k▼

Financial charges65/66B€905€559▼

Recurring financial charges65€905€559▼

Profit (loss) for the period before taxes9903€36k€22k▼

Income taxes67/77€8k€5k▼

Profit (loss) for the period9904€28k€17k▼

Profit (loss) for the period to be appropriated9905€28k€17k▼

Appropriation of the result

Profit (loss) to be appropriated9906€35k€17k▼

Profit (loss) brought forward from the previous period14P€7k-

Transfer from equity791/2-€30k

Transfer to equity691/2€35k-

To other reserves6921€35k-

Profit to be distributed694/7-€30k

Return on contributions (dividend)694-€30k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

23-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Back to profitnet €28k

Net result €28k after one loss-making year.

31-12

Financial Liquidity doublescurrent ratio 2.40

Current ratio from 1.09 to 2.40; short-term debt falls from €23k to €22k.

26-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 26 days late

2023

31-12

Financial Weakest financial yearnet €-2k ▼126%

Net result drops to €-2k, the lowest in the series; recovery starts the following year.

02-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 63 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Neufchâteau · 2 establishment units since 2021

establishment All 2 establishment units on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Le Haut de Baudrimont,OFF 46840 Neufchâteau

Ground area

2,931 m²

Building footprint

1,065 m²

Volume, LiDAR

7,750 m³

2 parcels, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.

2 establishment units

SergeVS Assurances

Avenue Zénobe Gramme 26, 1300 WavreInsurance, reinsurance and pension funding, except compulsory social security

since 20212.324.608.067

SergeVS Assurances

Le Haut de Baudrimont,OFF 4, 6840 NeufchâteauInsurance, reinsurance and pension funding, except compulsory social security

since 20212.324.608.364

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
84026B0014/00A004	Wallonia	1,652 m²	1 · 51 m²	7.5 m · 2 fl.
25006A0145/00Z000	Wallonia	1,280 m²	1 · 1,015 m²	8.2 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded29-11-2021

Fiscal year end31-12

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.

Contact details

5 entries

Website:www.sergevsassurances.be

Enterprise

E-mail:serge@sergevsassurances.be

Enterprise

E-mail:sergevs@skynet.be

Enterprise

Phone:+32478837722

Enterprise

E-mail:segevs@skynet.be

Establishment Neufchâteau 2.324.608.364