SERVAC GESTION
ActiveSERVAC GESTION has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €20k. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 46% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
88
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+8
Solvency60▼-2
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.8 against 4.89 in 2024), but 74.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
25.2%
Return on assets
8.5%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
59 d early
2023
47 d early
2022
26 d early
2021
31 d early
2020
30 d late
2019
92 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▼ 12.9%
2024 · €69k
2018: €18k
2019: €26k
2020: €44k
2021: €38k
2022: €56k
2023: €56k
2024: €69k
2018 → 2025
Total assets
€237k▼ 10.1%
2024 · €264k
2018: €44k
2019: €38k
2020: €76k
2021: €76k
2022: €63k
2023: €262k
2024: €264k
2018 → 2025
Net result
€20k▲ 58.8%
2024 · €13k
2018: €19k
2019: €9k
2020: €18k
2021: €29k
2022: €19k
2023: €-305
2024: €13k
2018 → 2025
Working capital
€31k▼ 39.5%
2024 · €51k
2018: €11k
2019: €21k
2020: €16k
2021: €6k
2022: €33k
2023: €33k
2024: €51k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€56k▲ 50.0%€56k▼ 0.5%€69k▲ 22.6%€60k▼ 12.9%
Operating result€39k-€27k▼ 28.7%€6k▼ 79.7%€27k▲ 380%€34k▲ 26.8%
Net result€29k-€19k▼ 36.2%€-305€13k€20k▲ 58.8%
Turnover and EBIT margin not published: the micro 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 27% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €237k
Fixed assets
€189k▼ 5.3%
Current assets
€48k▼ 25.2%
Equity and liabilities €237k
Equity
€60k▼ 12.9%
Debt
€178k▼ 9.1%
The debt ratio rises from 74.0% to 74.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€43k▲
2024 · €42k
Cash flow
€30k▲
2024 · €28k
Solvency
25.2%▼
2024 · 26.0%
Current ratio
2.80▼
2024 · 4.89
Quick ratio
2.80▼
2024 · 4.89
Debt / equity
2.97▲
2024 · 2.85
ROE
33.7%▲
2024 · 18.5%
ROA
8.5%▲
2024 · 4.8%
Interest coverage
5.61▲
2024 · 5.18
Debt
€178k▼
2024 · €195k
Debt ≤ 1 year
€17k▲
2024 · €13k
Debt > 1 year
€160k▼
2024 · €182k
Income taxes
€7k▲
2024 · €6k
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€264k€237k▼
Fixed assets21/28€200k€189k▼
Tangible fixed assets22/27€200k€189k▼
Land and buildings22€190k€185k▼
Furniture and vehicles24€6k€625▼
Other tangible fixed assets26€4k€4k▼
Current assets29/58€64k€48k▼
Amounts receivable within one year40/41€16k€13k▼
Trade receivables40€12k€13k▲
Other amounts receivable41€4k-
Current investments50/53€18k€18k=
Cash at bank and in hand54/58€24k€11k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€264k€237k▼
Equity10/15€69k€60k▼
Contributions10/11€6k€6k=
Reserves13€33k€33k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14€30k€21k▼
Amounts payable17/49€195k€178k▼
Amounts payable after more than one year17€182k€160k▼
Financial debts170/4€182k€160k▼
Amounts payable within one year42/48€13k€17k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€326€2k▲
Suppliers440/4€326€2k▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€4k€4k▲
Remuneration and social security454/9€999€3k▲
Other amounts payable47/48€161€226▲
Income statement
Code20242025
Non-recurring operating income76A-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€9k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€44k€46k▲
Operating profit (loss)9901€27k€34k▲
Financial income75/76B€397€555▲
Recurring financial income75€397€555▲
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€19k€27k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€13k€20k▲
Profit (loss) for the period to be appropriated9905€13k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€42k€50k▲
Profit (loss) brought forward from the previous period14P€29k€30k▲
Transfer to equity691/2€13k-
To other reserves6921€13k-
Profit to be distributed694/7-€29k
Return on contributions (dividend)694-€29k
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
Next filing, fiscal year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-305 ▼102%
Net result drops to €-305, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 5current ratio 6.21
Current ratio from 1.16 to 6.21; short-term debt falls from €38k to €6k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €29k ▲66.4%
Operating result €39k, net result €29k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2004
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.
Rue Haute 341340 Ottignies-Louvain-la-NeuveGround area
1,345 m²
Building footprint
116 m²
Parcel 25385C0043/00V000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SERVAC GESTION
since 20042.143.592.706
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25385C0043/00V000 | Wallonia | 1,345 m² | 1 · 116 m² | - |
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
Cad-Plus Pro
BE 0778.420.941
Haacht · Eq €60k
QUINTENS INVEST
BE 0783.538.185
Heusden-Zolder · Eq €60k
NESTIFY
BE 0873.155.891
Wevelgem · Eq €60k
CASSAN
BE 0788.187.257
Middelkerke · Eq €60k
GRANDISIMMO
BE 0830.718.391
Zele · Eq €60k
Of 9,633 companies in sector 68121 we hold annual accounts for 7,328. 5,077 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2004
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
70111
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:servac@skynet.be
Phone:0475/317256
Fax:010/454926