SERMANT

Active

Private limited companyfounded 1980active for 46 yearsSint-Berlindisstraat 17, 9402 Ninove, BelgiumKBO/BCE: BE 0420.252.302

From the official registers: KBO 46 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

SERMANT has been active since 1980 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €312,657 and a net result of €5,201. Equity remains stable across the filed financial years (±1.1% per year). Its solvency ranks better than 77% of 22,679 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow Report Compare

SERMANTActiveChecked score 96/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 18-03-1980 Normal situation
Legal form: Private limited company
Registered office: Sint-Berlindisstraat 17, 9402 Ninove
Activity: Retail sale of lighting equipment NACE 47552
Establishment unit: 2.034.919.745 9402 Ninove, since 18-03-1980
Financial year end: 31 December
Peppol: Reachable since 08-10-2025

Company details

Who decides

Board

André Van Den SteenDirector
Roel Van Den SteenDirector

Board & ownership

How it is doing

96 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Annual accounts 2025

Gross margin: €76,019; ▲ 0.9%
Turnover: ≈ €370,000; estimated
Profit: €5,201
Equity: €312,657; ▲ 1.7%
Total assets: €475,096; ▼ 8.0%
Staff: 1 FTE; =

2025 accounts 8 days early

Filed on 23-07-2026at the National Bank

Financials

Why 96raises riskSector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 3.25, cash €183,851Founded in 1980Equity €312,657 (65.8% of total assets)Show the evidence

Checked score

Score 2025

96 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 65% of its sector peers (NACE 47, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 91+6

equity 65.8% of total assets

Liquidity 94+12

short-term debt 17.5% · cash 38.7%

Profitability 60+24

return on assets 1.1%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)

Last 24 months 11-2024: 0.2%highest value 12-2024: 0.2%● unchanged vs 11-2024highest value 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.1%▼ -0.1 percentage points 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%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value

Credit of up to €30,000 on 30-day terms is acceptable

Liquidity ample (current ratio 3.25, compared with 2.88 in 2024, above the usual 1.5; short-term debt: 17.5% and cash: 38.7% of total assets), and 34.2% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 47, micro): better than 78% on solvency, 93% on liquidity, 42% on profitability and 45% on growth.

The bankruptcy probability was computed on 31-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Liquidity: current ratio 3.25, cash €183,851

NBB · annual accounts

Founded in 1980

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Sector: Retail trade (NACE 47)

KBO

Equity €312,657 (65.8% of total assets)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

8 days early

2024

7 days early

2023

12 days early

2022

31 days late

2021

31 days late

2020

19 days early

2019

53 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 10 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

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 24 July (5 of the last 5 filed years within 38 days of that day).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

Key points

Positive: Among the best 9% on equitysector median €41,218 · 22,720 companies €312,657 View

Documents

Key facts about SERMANT

What is the company number of SERMANT?: 0420.252.302. In Belgium the VAT number is the company number with BE in front: BE 0420.252.302.
Where is SERMANT based?: The registered office is at Sint-Berlindisstraat 17, 9402 Ninove.Company details
What does SERMANT do?: According to the KBO register, the main activity is retail sale of lighting equipment (NACE 47552).
What is the legal form of SERMANT?: Private limited company (BV).
When was SERMANT founded?: On 18-03-1980.
Is SERMANT still active?: Yes, SERMANT is an active enterprise in the KBO register.
How many employees does SERMANT have?: On average 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of SERMANT?: ≈ €370,000 in financial year 2025. Estimated from the gross margin of €76,019: probably between €200,000 and €630,000, based on 35 comparable companies, NACE 475.
Is SERMANT profitable?: In financial year 2025, SERMANT made a profit of €5,201.
Where can I find the annual accounts of SERMANT?: SERMANT filed 46 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of SERMANT due?: By 31-07-2027, for financial year 2026.Timeline