SERVAN
ActiveSERVAN has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €6k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 93% of 4537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability25▲+25
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 7.54 against 7.77 in 2024), and 12.8% 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+raises risk○neutral
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
87.2%
Return on assets
4.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
61 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
49 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€111k▲ 5.3%
2024 · €106k
2018: €56k
2019: €60k
2020: €86k
2021: €103k
2022: €104k
2023: €106k
2024: €106k
2018 → 2025
Total assets
€127k▲ 5.2%
2024 · €121k
2018: €68k
2019: €64k
2020: €93k
2021: €116k
2022: €122k
2023: €116k
2024: €121k
2018 → 2025
Net result
€6k▲ 188,094%
2024 · €3
2018: €3k
2019: €5k
2020: €26k
2021: €17k
2022: €1k
2023: €1k
2024: €3
2018 → 2025
Working capital
€106k▲ 0.8%
2024 · €106k
2018: €50k
2019: €59k
2020: €84k
2021: €100k
2022: €103k
2023: €105k
2024: €106k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€104k▲ 1.4%€106k▲ 1.1%€106k=€111k▲ 5.3%
Operating result€26k-€5k▼ 79.0%€5k▼ 3.7%€3k▼ 43.1%€8k▲ 183%
Net result€17k-€1k▼ 91.5%€1k▼ 22.8%€3▼ 99.7%€6k▲ 188,094%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 183% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €127k
Fixed assets
€5k
Current assets
€123k
Equity and liabilities €127k
Equity
€111k▲ 5.3%
Debt
€16k▲ 4.5%
The debt ratio falls from 12.9% to 12.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€9k▲
2024 · €4k
Cash flow
€6k▲
2024 · €581
Solvency
87.2%▲
2024 · 87.1%
Current ratio
7.54▼
2024 · 7.77
Quick ratio
5.42▼
2024 · 5.56
Debt / equity
0.15▼
2024 · 0.15
ROE
5.1%▲
2024 · 0.0%
ROA
4.4%▲
2024 · 0.0%
Interest coverage
5.66▲
2024 · 2.34
Debt
€16k▲
2024 · €16k
Debt ≤ 1 year
€16k▲
2024 · €16k
Income taxes
€1k▼
2024 · €1k
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€121k€127k▲
Fixed assets21/28-€5k
Tangible fixed assets22/27-€5k
Furniture and vehicles24-€5k
Current assets29/58€121k€123k▲
Stocks and contracts in progress3€34k€34k=
Stocks30/36€34k€34k=
Amounts receivable within one year40/41€1k€1k▲
Other amounts receivable41€1k€1k▲
Cash at bank and in hand54/58€86k€87k▲
Equity and liabilities
Total equity and liabilities10/49€121k€127k▲
Equity10/15€106k€111k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€97k€103k▲
Amounts payable17/49€16k€16k▲
Amounts payable within one year42/48€16k€16k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€642-
Other amounts payable47/48€10k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€578€595▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€6k€11k▲
Operating profit (loss)9901€3k€8k▲
Financial income75/76B€7€6▼
Recurring financial income75€7€6▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€1k€7k▲
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€3€6k▲
Profit (loss) for the period to be appropriated9905€3€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€97k€103k▲
Profit (loss) brought forward from the previous period14P€97k€97k=
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
29-07
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation2 facts ▸
- General meeting, 31/05/2026
- Director resignation, JOHAN VAN NIEUWENHUYSE (niet-statutaire bestuurder)
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €3 ▼99.7%
Net result drops to €3, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €103k ▲20%
4 profitable years in a row build equity to €103k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €26k ▲439%
Net result €26k, the highest in the series.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 15.52
Current ratio from 5.00 to 15.52; short-term debt falls from €12k to €4k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
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.
29-07-2026
Resigned as Non-statutory director
Location & real-estate footprint
Registered office, Aarschot · 2 establishment units since 2002
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.
Pastoor Dergentstraat 713200 AarschotGround area
1,693 m²
Building footprint
231 m²
Volume, LiDAR
1,537 m³
2 parcels, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Skin 'n Bones
since 20022.131.874.611
De Piccolo
since 20132.301.252.150
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24029C0066/00L000 | Flanders | 1,375 m² | 1 · 91 m² | 8.2 m · 2 fl. |
| 24123A0284/00R000 | Flanders | 318 m² | 1 · 140 m² | 9.8 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 7,002 companies in sector 96999 we hold annual accounts for 599. 421 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2002
Fiscal year end31-12
Activities, NACEBEL
93053
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.