SERNA-DENTAL

Active

Private limited companyfounded 201313 yrs activeJetse Laan 376, 1090 Jette, BelgiumKBO/BCE: BE 0535.745.549

The computed 12-month bankruptcy probability of SERNA-DENTAL is 1.9% (moderate). The 2024 annual accounts show equity of €359k and a net result of €63k. Equity is growing by ~20.6% per year across the filed fiscal years. The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

100 / 100

Excellent▲ +14 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability88▲+64

Solvency100=

Growth56▲+17

Stability100

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €35k at 30 days acceptable

Liquidity ample (current ratio 44.89), and 2.2% 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

No NACE activity registered

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

KBO · activities

Higher-failure-rate region

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

KBO · registered office

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

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

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

97.8%

Return on assets

17.2%

Age of the figures

20 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 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 filings

Deviation from the deadline

2025

not confirmed

2024

71 d late

2023

30 d late

2022

59 d late

2020

29 d late

2019

100 d late

2018

68 d late

← before the deadline after the 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 2024, micro schema

Turnover

€134k▼ 31.1%

2019 · €195k

2018: €152k 2019: €195k

2018 → 2020

EBIT margin

21.7%▼ 3.9pp

2019 · 25.7%

2018: 15.2% 2019: 25.7%

2018 → 2020

Net result

€63k▲ 346%

2023 · €14k

2018: €21k 2019: €30k 2020: €29k 2022: €47k 2023: €14k

2018 → 2024

Working capital

€359k▲ 22.2%

2023 · €293k

2018: €116k 2019: €144k 2020: €173k 2022: €281k 2023: €293k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20192020202220232024Trend

Turnover€195k-€134k▼ 31.1%

Equity€147k-€175k▲ 19.6%€282k▲ 60.7%€296k▲ 5.0%€359k▲ 21.3%

Operating result€50k-€29k▼ 41.7%€76k▲ 160%€35k▼ 53.9%€80k▲ 130%

Net result€30k-€29k▼ 5.6%€47k▲ 64.2%€14k▼ 70.0%€63k▲ 346%

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

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 130% above 2023 and is the highest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €367k

100.0%

Fixed assets €25▼ 98.9%

Current assets €367k▲ 24.1%

Equity and liabilities €367k

97.8%

Equity €359k▲ 21.3%

Debt €8k▲ 268%

The debt ratio rises from 0.7% to 2.2%: debt grows faster than equity.

Key figures and ratios

2024 value · change against 2023

EBITDA

€82k▲

2023 · €38k

Cash flow

€65k▲

2023 · €17k

Solvency

97.8%▼

2023 · 99.3%

Current ratio

44.89

Quick ratio

44.89

Debt / equity

0.02▲

2023 · 0.01

ROE

17.6%▲

2023 · 4.8%

ROA

17.2%▲

2023 · 4.7%

Interest coverage

899.92▲

2023 · 450.34

Debt

€8k▲

2023 · €2k

Debt ≤ 1 year

€8k▲

2023 · €2k

Income taxes

€17k▼

2023 · €21k

Staff costs

€1k▼

2023 · €1k

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€298k€367k▲

Fixed assets21/28€2k€25▼

Tangible fixed assets22/27€2k-

Furniture and vehicles24€2k-

Financial fixed assets28€25€25=

Current assets29/58€296k€367k▲

Amounts receivable within one year40/41€103k€102k▼

Other amounts receivable41€103k€102k▼

Cash at bank and in hand54/58€193k€264k▲

Deferred charges and accrued income490/1-€816

Equity and liabilities

Total equity and liabilities10/49€298k€367k▲

Equity10/15€296k€359k▲

Contributions10/11€20k€20k=

Capital10€20k€20k=

Issued capital100€20k€20k=

Reserves13€2k€2k=

Non-distributable reserves130/1€2k€2k=

Legal reserve130€2k€2k=

Profit (loss) carried forward14€274k€337k▲

Amounts payable17/49€2k€8k▲

Amounts payable within one year42/48€2k€8k▲

Trade debts44€660-

Suppliers440/4€660-

Advances received on contracts in progress46€2k€2k=

Taxes, remuneration and social security45-€4k

Taxes450/3-€4k

Other amounts payable47/48-€3k

Income statement Code20232024

Remuneration, social security and pensions62€1k€1k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼

Other operating charges640/8€1k€967▼

Gross operating margin9900€40k€85k▲

Operating profit (loss)9901€35k€80k▲

Financial income75/76B€738€0▼

Recurring financial income75€738€0▼

Financial charges65/66B€84€92▲

Recurring financial charges65€84€92▲

Profit (loss) for the period before taxes9903€36k€80k▲

Income taxes67/77€21k€17k▼

Profit (loss) for the period9904€14k€63k▲

Profit (loss) for the period to be appropriated9905€14k€63k▲

Appropriation of the result

Profit (loss) to be appropriated9906€274k€337k▲

Profit (loss) brought forward from the previous period14P€260k€274k▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 16Financial 6Filings 10

2025

10-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 71 days late

2024

31-12

Financial Highest result since 2018net €63k ▲346%

Operating result €80k, net result €63k, both a record.

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Weakest financial yearnet €14k ▼70%

Net result drops to €14k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity doublescurrent ratio 133.16

Current ratio from 53.33 to 133.16; short-term debt falls from €5k to €2k.

28-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 59 days late

2022

31-12

Financial Liquidity triplescurrent ratio 53.33

Current ratio from 17.87 to 53.33; short-term debt falls from €10k to €5k.

31-12

Financial Equity above €200kEq €282k ▲60.7%

4 profitable years in a row build equity to €282k.

2021

29-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 29 days late

2020

31-12

Financial Equity above €150kEq €175k ▲19.6%

3 profitable years in a row build equity to €175k.

08-11

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 100 days late

2019

07-10

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 68 days late

2018

30-09

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 61 days late

2017

18-12

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 140 days late

2016

30-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 30 days late

2015

31-08

NBB filing Annual accounts filed

fiscal year 2014 · full schema · 31 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, Jette · 1 establishment unit since 2013

establishment The establishment unit 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.

Jetse Laan 3761090 Jette

Ground area

483 m²

Building footprint

245 m²

Volume, LiDAR

3,791 m³

Parcel 21463C0390/00S003, Brussels · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

Serna-Dental

Jetse Laan 376, 1090 JetteDental practice

since 20132.233.900.003

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21463C0390/00S003	Brussels	483 m²	1 · 245 m²	19.6 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.

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded17-06-2013

Fiscal year end31-12

Sources

Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.