SERNA GROUP
ActiveSERNA GROUP has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2023 annual accounts show equity of €251k and a net result of €10k. Its solvency ranks better than 86% of 8329 sector peers (fiscal year 2023). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2023
94
/ 100
Excellent▲ +29 vs 2022
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2022
Profitability20▲+20
Solvency100=
Growth78
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days only on tighter terms
Liquidity ample (current ratio 2.83 against 99.74 in 2022), and 13.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2023Solvency, return and age of the figures
Solvency
86.5%
Return on assets
3.4%
Age of the figures
32 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 2 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline13-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 23-03-2024, 130 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
130 d early
2022
11 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€251k▲ 4.1%
2022 · €241k
2022: €241k
2022 → 2023
Total assets
€290k▲ 19.1%
2022 · €244k
2022: €244k
2022 → 2023
Net result
€10k
2022 · €-7k
2022: €-7k
2022 → 2023
Working capital
€72k▼ 69.6%
2022 · €235k
2022: €235k
2022 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023Trend
Equity€241k-€251k▲ 4.1%
Operating result€-7k-€10k
Net result€-7k-€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2023: €10k after a loss of €7k in 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €290k
Fixed assets
€180k▲ 2,683%
Current assets
€111k▼ 53.4%
Equity and liabilities €290k
Equity
€251k▲ 4.1%
Debt
€39k▲ 1,546%
The debt ratio rises from 1.0% to 13.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€28k
Cash flow
€28k
Solvency
86.5%▼
2022 · 99.0%
Current ratio
2.83▼
2022 · 99.74
Quick ratio
1.77▼
2022 · 99.74
Debt / equity
0.16▲
2022 · 0.01
ROE
3.9%▲
2022 · -3.0%
ROA
3.4%▲
2022 · -3.0%
Interest coverage
83.41
Debt
€39k▲
2022 · €2k
Debt ≤ 1 year
€39k▲
2022 · €2k
Staff costs
€9k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€244k€290k▲
Fixed assets21/28€6k€180k▲
Intangible fixed assets21-€171k
Tangible fixed assets22/27€6k€9k▲
Plant, machinery and equipment23€6k€6k▼
Furniture and vehicles24-€3k
Current assets29/58€237k€111k▼
Stocks and contracts in progress3-€41k
Stocks30/36-€41k
Amounts receivable within one year40/41€5k€68k▲
Trade receivables40€3k€53k▲
Other amounts receivable41€2k€14k▲
Cash at bank and in hand54/58€232k€1k▼
Deferred charges and accrued income490/1-€73
Equity and liabilities
Total equity and liabilities10/49€244k€290k▲
Equity10/15€241k€251k▲
Contributions10/11€251k€251k=
Profit (loss) carried forward14€-9k€800▲
Amounts payable17/49€2k€39k▲
Amounts payable within one year42/48€2k€39k▲
Trade debts44€2k€21k▲
Suppliers440/4€2k€21k▲
Advances received on contracts in progress46€500€500=
Taxes, remuneration and social security45-€5k
Remuneration and social security454/9-€5k
Other amounts payable47/48€380€13k▲
Income statement
Code20222023
Remuneration, social security and pensions62-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€18k
Gross operating margin9900€-7k€37k▲
Operating profit (loss)9901€-7k€10k▲
Financial charges65/66B€595€334▼
Recurring financial charges65€595€334▼
Profit (loss) for the period before taxes9903€-7k€10k▲
Profit (loss) for the period9904€-7k€10k▲
Profit (loss) for the period to be appropriated9905€-7k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€800▲
Profit (loss) brought forward from the previous period14P€-2k€-9k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
23-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 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, Fleurus · 1 establishment unit since 2020
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.
Route du Vieux Campinaire(FL) 466220 FleurusGround area
2,430 m²
Building footprint
639 m²
Volume, LiDAR
4,253 m³
2 parcels, Wallonia · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Serna Shop
since 20202.316.033.366
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52332B0507/00S003 | Wallonia | 1,246 m² | 1 · 442 m² | 9.0 m · 3 fl. |
| 81015D0120/00W002 | Wallonia | 1,183 m² | 1 · 197 m² | 5.9 m · 1 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.
Similar companies · same sector, comparable size
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NICOLE MEN
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LE SECRET D'O
BE 0782.580.261
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CAVALRY TWILL
BE 0877.851.978
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Extended 111
BE 0685.927.481
Brussel · Eq €250k
Of 6,459 companies in sector 47716 we hold annual accounts for 2,424. 1,701 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formLimited partnership
Founded01-07-2020
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
73110Advertising agencies
90031Arts creation and performing arts activities
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.