SERV4TRADE
ActiveSERV4TRADE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.76M and a net result of €113k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 90% of 380 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▲+13
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €250k at 30 days acceptable
Liquidity ample (current ratio 16.1 against 9.52 in 2024), and 14.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 59
Relative position
BE, all sectors
reference
Sector 59
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85.9%
Return on assets
3.5%
Age of the figures
14 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-12-2025, 54 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
54 d early
2024
39 d early
2023
41 d early
2022
1 d early
2021
53 d early
2020
39 d early
2019
17 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.76M▼ 3.1%
2024 · €2.84M
2019: €1.77M
2020: €2.69M
2021: €2.69M
2022: €2.78M
2023: €2.81M
2024: €2.84M
2019 → 2025
Total assets
€3.21M▼ 5.9%
2024 · €3.41M
2019: €3.18M
2020: €3.76M
2021: €3.52M
2022: €4.06M
2023: €3.47M
2024: €3.41M
2019 → 2025
Net result
€113k▲ 192%
2024 · €39k
2019: €206k
2020: €918k
2021: €-4k
2022: €96k
2023: €25k
2024: €39k
2019 → 2025
Working capital
€2.33M▲ 54.2%
2024 · €1.51M
2019: €62k
2020: €1.15M
2021: €1.05M
2022: €2.03M
2023: €1.49M
2024: €1.51M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.69M-€2.78M▲ 3.6%€2.81M▲ 0.9%€2.84M▲ 1.4%€2.76M▼ 3.1%
Operating result€737-€122k▲ 16,486%€40k▼ 67.3%€42k▲ 5.6%€177k▲ 320%
Net result€-4k-€96k€25k▼ 74.4%€39k▲ 57.6%€113k▲ 192%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 320% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.21M
Fixed assets
€726k▼ 57.9%
Current assets
€2.49M▲ 47.1%
Equity and liabilities €3.21M
Equity
€2.76M▼ 3.1%
Debt
€454k▼ 19.9%
The debt ratio falls from 16.6% to 14.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€238k▲
2024 · €160k
Cash flow
€174k▲
2024 · €156k
Solvency
85.9%▲
2024 · 83.4%
Current ratio
16.10▲
2024 · 9.52
Quick ratio
16.10▲
2024 · 9.52
Debt / equity
0.16▼
2024 · 0.20
ROE
4.1%▲
2024 · 1.4%
ROA
3.5%▲
2024 · 1.1%
Interest coverage
13.61▲
2024 · 6.55
Debt
€454k▼
2024 · €567k
Debt ≤ 1 year
€154k▼
2024 · €177k
Debt > 1 year
€293k▼
2024 · €382k
Income taxes
€62k▲
2024 · €17k
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€3.41M€3.21M▼
Fixed assets21/28€1.72M€726k▼
Tangible fixed assets22/27€1.72M€723k▼
Land and buildings22€1.57M€537k▼
Plant, machinery and equipment23€27k€25k▼
Furniture and vehicles24€124k€162k▲
Financial fixed assets28€2k€2k=
Current assets29/58€1.69M€2.49M▲
Amounts receivable after more than one year29€512k€1.57M▲
Trade receivables290€512k€1.57M▲
Amounts receivable within one year40/41€691k€174k▼
Trade receivables40€4k€31k▲
Other amounts receivable41€687k€143k▼
Current investments50/53€200k€600k▲
Cash at bank and in hand54/58€247k€135k▼
Deferred charges and accrued income490/1€40k€12k▼
Equity and liabilities
Total equity and liabilities10/49€3.41M€3.21M▼
Equity10/15€2.84M€2.76M▼
Contributions10/11€809k€809k=
Reserves13€2.04M€1.95M▼
Non-distributable reserves130/1€0-
Own shares acquired1312€0-
Tax-exempt reserves132€56k€56k=
Distributable reserves133€1.98M€1.89M▼
Profit (loss) carried forward14-€0
Amounts payable17/49€567k€454k▼
Amounts payable after more than one year17€382k€293k▼
Financial debts170/4€382k€293k▼
Amounts payable within one year42/48€177k€154k▼
Current portion of amounts payable after more than one year42€106k€90k▼
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€64k€58k▼
Taxes450/3€64k€58k▼
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3€7k€7k▲
Income statement
Code20242025
Non-recurring operating income76A€23k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€118k€61k▼
Other operating charges640/8€8k€18k▲
Non-recurring operating charges66A-€9k
Gross operating margin9900€168k€264k▲
Operating profit (loss)9901€42k€177k▲
Financial income75/76B€38k€15k▼
Recurring financial income75€38k€15k▼
Financial charges65/66B€24k€17k▼
Recurring financial charges65€24k€17k▼
Profit (loss) for the period before taxes9903€55k€175k▲
Income taxes67/77€17k€62k▲
Profit (loss) for the period9904€39k€113k▲
Profit (loss) for the period to be appropriated9905€39k€113k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€113k▲
Transfer from equity791/2€500k€200k▼
Transfer to equity691/2€539k€113k▼
To other reserves6921€539k€113k▼
Profit to be distributed694/7-€200k
Return on contributions (dividend)694-€200k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (23 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
2025
08-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Back to profitnet €96k
Net result €96k after one loss-making year.
2021
09-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-4k ▼100%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
2020
23-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Highest result since 2019net €918k ▲347%
Operating result €2.11M, net result €918k, both a record.
30-06
Financial
Liquidity quadruplescurrent ratio 5.90
Current ratio from 1.42 to 5.90.
30-06
Financial
Equity above €2MEq €2.69M ▲51.9%
2 profitable years in a row build equity to €2.69M.
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
17-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
29-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
07-06-2024
Resigned as Director
Location & real-estate footprint
Registered office, De Panne · 1 establishment unit since 2008
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.
Veldstraat 148660 De PanneGround area
1,120 m²
Building footprint
182 m²
Volume, LiDAR
2 m³
Parcel 38001D0235/00B002, Flanders · tallest building 1.4 m. Linked by address, not a title deed.
1 establishment unit
SERV4TRADE
since 20082.170.260.281
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38001D0235/00B002 | Flanders | 1,120 m² | 1 · 182 m² | 1.4 m |
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.
Similar companies · same sector, comparable size
REGOLI
BE 0425.699.841
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PEETERS PRODUKTIES
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Plug the Jack
BE 0764.309.718
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BOXON
BE 0660.650.172
Elsene · Eq €1.47M
SportHouse Group
BE 0675.669.633
Vilvoorde · Eq €1.15M
Of 257 companies in sector 59202 we hold annual accounts for 65. 12 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-03-2008
Fiscal year end30-06
Activities, NACEBEL
59202Motion picture, video and television programme production, sound recording and music publishing activities
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.