SERMEX 2000
ActiveSERMEX 2000 has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-22k) and a net result of €-30k. Equity is shrinking by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 13% of 9517 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability11▼-78
Solvency20▼-33
Growth28▼-17
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.03 against 0.06 in 2023; short-term debt: 50.3% and cash: 1.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-4.7%
Return on assets
-6.4%
Age of the figures
21 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-22k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-10-2025, 74 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
74 d late
2023
35 d late
2022
24 d late
2021
24 d late
2020
36 d early
2019
25 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€16k▼ 6.5%
2021 · €17k
2018: €19k
2019: €19k
2020: €21k
2021: €17k
2018 → 2022
EBIT margin
-23.7%▲ 7.4pp
2021 · -31.1%
2018: 24.6%
2019: 0.6%
2020: 9.7%
2021: -31.1%
2018 → 2022
Net result
€-30k
2023 · €5k
2018: €4k
2019: €-223
2020: €547
2021: €-6k
2022: €-4k
2023: €5k
2018 → 2024
Working capital
€-233k▼ 1,060%
2023 · €-20k
2018: €-13k
2019: €-14k
2020: €-14k
2021: €-23k
2022: €-28k
2023: €-20k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€21k-€17k▼ 19.7%€16k▼ 6.5%
Equity€14k-€8k▼ 44.0%€3k▼ 57.6%€8k▲ 147%€-22k
Operating result€2k-€-5k€-4k▲ 28.8%€6k€-28k
Net result€547-€-6k€-4k▲ 26.6%€5k€-30k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €28k after €6k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €476k
Fixed assets
€470k▲ 1,564%
Current assets
€6k▲ 375%
Key figures and ratios
EBITDA
€-26k▼
2023 · €9k
Cash flow
€-28k▼
2023 · €8k
Solvency
-4.7%▼
2023 · 27.6%
Current ratio
0.03▼
2023 · 0.06
Quick ratio
0.03▼
2023 · 0.06
Debt / equity
-22.45▼
2023 · 2.63
ROA
-6.4%▼
2023 · 16.4%
Interest coverage
-12.13▼
2023 · 6.09
Debt
€499k▲
2023 · €21k
Debt ≤ 1 year
€239k▲
2023 · €21k
Debt > 1 year
€259k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€30k€476k▲
Fixed assets21/28€28k€470k▲
Tangible fixed assets22/27€28k€470k▲
Land and buildings22€12k€339k▲
Plant, machinery and equipment23€17k€111k▲
Furniture and vehicles24-€20k
Financial fixed assets28€25-
Current assets29/58€1k€6k▲
Cash at bank and in hand54/58€1k€6k▲
Equity and liabilities
Total equity and liabilities10/49€30k€476k▲
Equity10/15€8k€-22k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€-12k€-43k▼
Amounts payable17/49€21k€499k▲
Amounts payable after more than one year17-€259k
Financial debts170/4-€259k
Amounts payable within one year42/48€21k€239k▲
Current portion of amounts payable after more than one year42-€9k
Trade debts44€129€12k▲
Suppliers440/4€129€12k▲
Taxes, remuneration and social security45€3k-
Taxes450/3€3k-
Other amounts payable47/48€18k€218k▲
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61-€25k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€5k€483▼
Gross operating margin9900€14k€-25k▼
Operating profit (loss)9901€6k€-28k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€5k€-30k▼
Profit (loss) for the period9904€5k€-30k▼
Profit (loss) for the period to be appropriated9905€5k€-30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-43k▼
Profit (loss) brought forward from the previous period14P€-17k€-12k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 74 days late
2024
31-12
Financial
Weakest financial yearnet €-30k ▼726%
Net result drops to €-30k, the lowest in the series.
04-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 35 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €547
Net result €547 after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 457 days late
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 18 days late
2016
17-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Charleroi · 1 establishment unit since 1987
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.
Rue du Palais 76000 CharleroiGround area
302 m²
Building footprint
120 m²
Volume, LiDAR
1,588 m³
Parcel 52011B0239/00Z025, Wallonia · tallest building 15.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SERMEX 2000
since 19872.032.738.037
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011B0239/00Z025 | Wallonia | 302 m² | 1 · 120 m² | 15.2 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,219 companies in sector 82100 we hold annual accounts for 3,512. 1,677 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-1987
Fiscal year end31-12
Activities, NACEBEL
74851
82100Office administrative and support services
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.