SERT AUTO
ActiveThe computed 12-month bankruptcy probability of SERT AUTO is 3.0% (moderate). The 2025 annual accounts show negative equity (€-93k) and a net result of €-25k. Equity is shrinking by ~41.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 10252 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
17
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.32 against 0.31 in 2024; short-term debt: 310% and cash: 1.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-210%
Return on assets
-57.4%
Age of the figures
9 mo
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 · 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2021222425
2020 to 2025 · latest year €-93k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 5 filingsDeviation from the deadline
2025
30 d late
2024
88 d late
2022
30 d late
2021
31 d late
2020
30 d late
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-93k▼ 37.6%
2024 · €-67k
2020: €9k
2021: €-18k
2022: €-47k
2024: €-67k
2020 → 2025
Total assets
€44k▲ 42.2%
2024 · €31k
2020: €35k
2021: €29k
2022: €12k
2024: €31k
2020 → 2025
Net result
€-25k▼ 267%
2024 · €-7k
2020: €-11k
2021: €-27k
2022: €-29k
2024: €-7k
2020 → 2025
Working capital
€-93k▼ 36.1%
2024 · €-68k
2020: €5k
2021: €-24k
2022: €-54k
2024: €-68k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€9k-€-18k€-47k▼ 162%€-67k▼ 42.7%€-93k▼ 37.6%
Operating result€-10k-€-27k▼ 178%€-29k▼ 6.7%€-6k▲ 78.6%€-25k▼ 306%
Net result€-11k-€-27k▼ 158%€-29k▼ 7.4%€-7k▲ 76.4%€-25k▼ 267%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2025 against €6k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€135▼ 84.1%
Current assets
€44k▲ 45.7%
Key figures and ratios
EBITDA
€-24k▼
2024 · €-3k
Cash flow
€-25k▼
2024 · €-4k
Solvency
-210.0%▲
2024 · -217.0%
Current ratio
0.32▲
2024 · 0.31
Quick ratio
0.26▲
2024 · 0.16
Debt / equity
-1.48▼
2024 · -1.46
ROA
-57.4%▼
2024 · -22.2%
Interest coverage
-191.79▼
2024 · -4.27
Debt
€137k▲
2024 · €99k
Debt ≤ 1 year
€137k▲
2024 · €99k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€31k€44k▲
Fixed assets21/28€849€135▼
Intangible fixed assets21€714-
Financial fixed assets28€135€135=
Current assets29/58€30k€44k▲
Stocks and contracts in progress3€15k€9k▼
Stocks30/36€15k€9k▼
Amounts receivable within one year40/41€13k€32k▲
Trade receivables40€12k€32k▲
Other amounts receivable41€717-
Cash at bank and in hand54/58€404€855▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€31k€44k▲
Equity10/15€-67k€-93k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Legal reserve130€1k€1k=
Profit (loss) carried forward14€-87k€-112k▼
Amounts payable17/49€99k€137k▲
Amounts payable within one year42/48€99k€137k▲
Trade debts44€4k€23k▲
Suppliers440/4€4k€23k▲
Advances received on contracts in progress46€6k€6k=
Taxes, remuneration and social security45€7k€27k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9€5k€24k▲
Other amounts payable47/48€83k€82k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€714▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€-1k€-21k▼
Operating profit (loss)9901€-6k€-25k▼
Financial income75/76B-€5
Recurring financial income75-€5
Financial charges65/66B€768€464▼
Recurring financial charges65€768€126▼
Non-recurring financial charges66B-€338
Profit (loss) for the period before taxes9903€-7k€-25k▼
Profit (loss) for the period9904€-7k€-25k▼
Profit (loss) for the period to be appropriated9905€-7k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-87k€-112k▼
Profit (loss) brought forward from the previous period14P€-80k€-87k▼
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
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
27-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 88 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Anderlecht · 1 establishment unit since 2018
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.
Biestebroekstraat 191070 AnderlechtGround area
140 m²
Building footprint
119 m²
Volume, LiDAR
1,203 m³
Parcel 21306C0190/00Z004, Brussels · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Biestebroekstraat 19, 1070 Anderlecht
since 20182.275.401.947
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306C0190/00Z004 | Brussels | 140 m² | 1 · 119 m² | 15.8 m · 4 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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INFINITY BLUE
BE 1007.070.529
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ERZO24
BE 0734.661.667
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PSR
BE 0712.688.395
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Of 10,679 companies in sector 47811 we hold annual accounts for 5,225. 2,032 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-04-2018
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.