SERV-IT
ActiveSummary
The computed 12-month bankruptcy probability of SERV-IT is 1.7% (moderate). The 2025 annual accounts show equity of €32,180 and a net result of €6,482. Equity has been growing by about 15% per year since 2023. Its solvency ranks better than 31% of 9,848 sector peers (NACE 46, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 29-12-2022 Normal situation
- Activity
- Wholesale of information and communication equipment NACE 46500and 4 others
- Establishment unit
- 2.340.399.073 5020 Namur, since 01-01-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 30-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.7%
- Turnover
- €205,671
- Profit
- €6,482
- ▲ 482%
- Equity
- €32,180
- ▲ 25.2%
- Total assets
- €132,515
- ▲ 54.6%
- 2025 accounts filed 73 days after the deadline
Score breakdownraises riskLast filed accounts filed 73 days late; 2 of the last 3 accounts lateSize: turnover €205,671, total assets €132,515Founded in 2022lowers riskLiquidity: current ratio 1.28, cash €97,910Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 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 46, micro). It does better than 35% of them on solvency, 65% on liquidity, 45% on profitability and 79% on growth.
The bankruptcy probability was computed on 03-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 3 accounts on average 45 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 12-10-2026 at the NBB all 3 filings
Every figure per financial year
The operating result for 2025 is 187% higher than in 2024. It is a recovery after the fall in 2024.
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | €1,865 | - | €4,917 |
| Depreciation and write-downs of the year | €631 | €616 | €1,517 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Turnover70 | - | - | €205,671 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €197,924 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €631 | €616 | €1,517 | ▲ 146% |
| Other operating charges640/8 | €3 | €12 | - | - |
| Gross operating margin9900 | €30,154 | €2,801 | €7,747 | ▲ 177% |
| Operating profit (loss)9901 | €29,520 | €2,173 | €6,230 | ▲ 187% |
| Financial income75/76B | €7 | - | - | - |
| Recurring financial income75 | €7 | - | - | - |
| Financial charges65/66B | €52 | €51 | €181 | ▲ 254% |
| Recurring financial charges65 | €52 | €51 | €181 | ▲ 254% |
| Profit (loss) for the period before taxes9903 | €29,475 | €2,122 | €6,049 | ▲ 185% |
| Income taxes67/77 | €8,890 | €1,008 | -€433 | - |
| Profit (loss) for the period9904 | €20,585 | €1,113 | €6,482 | ▲ 482% |
| Profit (loss) for the period to be appropriated9905 | €20,585 | €1,113 | €6,482 | ▲ 482% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €60,009 | €85,714 | €132,515 | ▲ 54.6% |
| Fixed assets21/28 | €1,235 | €619 | €4,019 | ▲ 549% |
| Tangible fixed assets22/27 | €1,235 | €619 | €4,019 | ▲ 549% |
| Furniture and vehicles24 | €1,235 | €619 | €4,019 | ▲ 549% |
| Current assets29/58 | €58,775 | €85,095 | €128,495 | ▲ 51.0% |
| Amounts receivable within one year40/41 | €21,654 | €35,258 | €30,086 | ▼ 14.7% |
| Trade receivables40 | €21,654 | €35,258 | €30,086 | ▼ 14.7% |
| Cash at bank and in hand54/58 | €37,121 | €49,837 | €97,910 | ▲ 96.5% |
| Deferred charges and accrued income490/1 | - | - | €500 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €60,009 | €85,714 | €132,515 | ▲ 54.6% |
| Equity10/15 | €24,585 | €25,698 | €32,180 | ▲ 25.2% |
| Contributions10/11 | €4,000 | €4,000 | €4,000 | = |
| Reserves13 | €20,500 | €20,500 | €20,500 | = |
| Distributable reserves133 | €20,500 | €20,500 | €20,500 | = |
| Profit (loss) carried forward14 | €85 | €1,198 | €7,680 | ▲ 541% |
| Amounts payable17/49 | €35,424 | €60,016 | €100,335 | ▲ 67.2% |
| Amounts payable within one year42/48 | €35,424 | €60,016 | €100,335 | ▲ 67.2% |
| Trade debts44 | €10,377 | €8,454 | €15,579 | ▲ 84.3% |
| Suppliers440/4 | €10,377 | €8,454 | €15,579 | ▲ 84.3% |
| Taxes, remuneration and social security45 | €17,557 | €22,157 | €20,479 | ▼ 7.6% |
| Taxes450/3 | €17,557 | €22,157 | €20,479 | ▼ 7.6% |
| Other amounts payable47/48 | €7,490 | €29,406 | €64,277 | ▲ 119% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,585 | €1,113 | €6,482 | ▲ 482% |
| + Depreciation and write-downs630 | €631 | €616 | €1,517 | ▲ 146% |
| Operating cash flow (approximation) | €21,216 | €1,729 | €7,999 | ▲ 363% |
| Investment in fixed assets (approximation) | - | €0 | -€4,917 | - |
| Change in cash | - | €12,716 | €48,073 | ▲ 278% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,542 companies had the same profile as SERV-IT has now. Two years later, 94.9% were still going and 3.5% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SERV-IT itself: 1.7% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,542 companies, not a prediction for SERV-IT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- DESPONTIN Stéphane Henri sole founder · 100% at incorporation
Capital transactions
- 02-01-2023 Incorporation · €4,000
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Avec ou sans limitation,assemblée fixe nombre,durée,pouvoirs et pluralité,défaut illimitée, un ou plusieurs administrateurs”“17”
Capital, shares and profit
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “100, bénéfices et produits de la liquidation”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “12, prix notification initiale ou expert commun accord ou président tribunal entreprise référé requête partie diligente”
- Share issue ruleThe articles set how and by whom new shares are issued.
- “Droit au débiteur-gagiste, au moins quinze jours à dater de l’ouverture de la souscription”
Articles of association, deed of 02-01-2023 (in French)
Network & group
SERV-IT shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of SERV-IT. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
02-01
Gazette deed
IncorporationStarting capital €4,000 · Appointment: DESPONTIN Stéphane Henri (director) · Permanent representative: DESPONTIN Stéphane Henri · Founder10 points ▸
- Founder, DESPONTIN Stéphane Henri
- Incorporation, 28-12-2022
- Founding capital, €4,000
- General meeting, “par adoption des statuts la société est définitivement constituée, ne deviendront effectives qu'à dater du dépôt au greffe d'une expédition de l'acte constituti…” (deed in French)
- Registered office clause, “5020 Namur (Malonne), Rue du Petit Bois”, 35 (deed in French)
- Board rule, 1
- Director appointment, DESPONTIN Stéphane Henri (director (not named in the articles))
- Permanent representative, DESPONTIN Stéphane Henri (représentant permanent de la société)
- Pre-incorporation commitments, “takeover, tous les engagements ainsi que les obligations qui en résultent, et toutes les activités entreprises au nom et pour compte de la société en formation” (deed in French)
- Other provision, “extrait conforme, délivré avant enregistrement de l'acte uniquement pour e-dépôt et publication aux annexes du Moniteur Belge” (deed in French)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 92082D0221/00E000 | Wallonia | 1,312 m² | 1 · 149 m² | 8.1 m · 2 |