Summary
SERVI is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €841,959 and a net result of €44,950. Equity has been growing by about 5.7% per year since 2018. Its solvency ranks better than 77% of 6,692 sector peers (NACE 64, financial year 2025). The company has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 27-01-1992 Normal situation
- Activity
- Activities of holding companies NACE 64210and 1 other
- Establishment unit
- 2.066.673.882 8840 Staden, since 26-11-2001
- Financial year end
- 31 December
- Peppol
- Reachable since 30-10-2023
Board and ownership
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €44,950
- ▲ 12×
- Equity
- €841,959
- ▲ 5.6%
- Total assets
- €1.0m
- ▲ 13.8%
- 2025 accounts filed 31 days after the deadline
Signalsraises risk2025 accounts filed 31 days lateShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
raises risk
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
53 days late
2023
26 days late
2022
42 days early
2021
62 days early
2020
61 days early
2019
57 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 16 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 August (4 of the last 5 accounts filed within 69 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
2025 annual accounts filed 31 days after the deadline Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00503626.
Annual accounts 2025 filed on 31-08-2026 at the NBB all 32 filings
Equity
€841,959▲ 5.6%
2024 · €797,009
Net result
€44,950▲ 12×
2024 · €3,694
Total assets
€1.0m▲ 13.8%
2024 · €920,105
Solvency
80.4%▼ 6.2pp
2024 · 86.6%
In the rankings
#2 oldest company in Staden, Finance and insurance sector
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is over 47 times that of 2024. It is a recovery after the fall in 2024.
Operating result€0.05m
2025
Net result€0.04m
2025
Total assets€1.0m
2025
Equity€0.8m
2025
Debt€0.2m
2025
Working capital€0.6m
2025
Return on assets (ROA)4.3%
2025
Solvency80.4%
2025
Current ratio4.01
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€0.06m-€0.07m▲ 12.2%€0.08m▲ 7.6%€0.07m▼ 15.5%€0.05m▼ 22.1%€0.09m▲ 75.4%€0.001m▼ 98.8%€0.05m▲ 47×
Net result€0.04m-€0.04m▲ 12.4%€0.05mwithin the sector's middle half▲ 21.5%€0.04mwithin the sector's middle half▼ 26.4%€0.03mwithin the sector's middle half▼ 21.4%€0.06mwithin the sector's middle half▲ 103%€0.004mwithin the sector's middle half▼ 94.2%€0.04mwithin the sector's middle half▲ 12×
Equity€0.6m-€0.6m▲ 8.1%€0.7mabove the sector's middle half▲ 9.1%€0.7mabove the sector's middle half▲ 6.1%€0.7mabove the sector's middle half▲ 4.5%€0.8mabove the sector's middle half▲ 8.8%€0.8mabove the sector's middle half▲ 0.5%€0.8mwithin the sector's middle half▲ 5.6%
Total assets€1.1m-€1.2m▲ 5.6%€1.2mabove the sector's middle half▲ 4.5%€0.8mwithin the sector's middle half▼ 37.8%€0.8mwithin the sector's middle half▲ 3.1%€0.9mwithin the sector's middle half▲ 13.8%€0.9mabove the sector's middle half▲ 3.3%€1.0mwithin the sector's middle half▲ 13.8%
Debt€0.5m-€0.6m▲ 3.0%€0.6m▼ 0.5%€0.06m▼ 89.1%€0.05m▼ 13.5%€0.1m▲ 82.9%€0.1m▲ 26.2%€0.2m▲ 66.9%
Working capital€0.3m-€0.4m▲ 10.3%€0.4mabove the sector's middle half▲ 19.7%€0.5mabove the sector's middle half▲ 13.9%€0.5mabove the sector's middle half▲ 7.1%€0.6mabove the sector's middle half▲ 14.5%€0.5mabove the sector's middle half▼ 9.7%€0.6mabove the sector's middle half▲ 13.8%
Solvency50.4%-51.6%▲ 1.2pp53.9%within the sector's middle half▲ 2.3pp91.9%above the sector's middle half▲ 38.0pp93.2%above the sector's middle half▲ 1.3pp89.1%above the sector's middle half▼ 4.1pp86.6%above the sector's middle half▼ 2.4pp80.4%above the sector's middle half▼ 6.2pp
Current ratio1.59-1.63▲ 0.041.76within the sector's middle half▲ 0.138.86above the sector's middle half▲ 7.1010.73above the sector's middle half▲ 1.877.09above the sector's middle half▼ 3.645.37above the sector's middle half▼ 1.724.01above the sector's middle half▼ 1.36
Return on assets (ROA)3.6%-3.9%▲ 0.2pp4.5%within the sector's middle half▲ 0.6pp5.3%within the sector's middle half▲ 0.8pp4.0%within the sector's middle half▼ 1.3pp7.2%within the sector's middle half▲ 3.2pp0.4%below the sector's middle half▼ 6.8pp4.3%within the sector's middle half▲ 3.9pp
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.0m
Fixed assets
€233,508 ▼ 10.3%
Current assets
€813,925 ▲ 23.4%
Equity and liabilities €1.0m
Equity
€841,959 ▲ 5.6%
Debt
€205,474 ▲ 66.9%
Debt's share of the balance-sheet total rises from 13.4% to 19.6%. Equity and debt are higher.
Key figures and ratios
ROE
5.3%▲
2024 · 0.5%
Debt ≤ 1 year
€202,909▲
2024 · €122,847
Income taxes
€23,560▲
2024 · €1,920
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €1,392 | €26,094 | €12,597 | €104,730 | €20,252 |
| Depreciation and write-downs of the year | €20,439 | €29,049 | €23,967 | €43,334 | €47,103 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19,586 | €27,621 | €23,979 | €20,439 | €29,049 | €23,967 | €43,334 | €47,103 | ▲ 8.7% |
| Other operating charges640/8 | - | - | - | €3,125 | €3,178 | €2,911 | €2,509 | €3,055 | ▲ 21.8% |
| Gross operating margin9900 | €86,380 | €102,214 | €104,256 | €88,790 | €83,032 | €116,001 | €46,910 | €100,805 | ▲ 115% |
| Operating profit (loss)9901 | €63,914 | €71,726 | €77,171 | €65,226 | €50,805 | €89,124 | €1,068 | €50,647 | ▲ 47× |
| Financial income75/76B | - | - | - | €10,619 | €2 | €7,426 | €4,546 | €18,067 | ▲ 297% |
| Recurring financial income75 | €25,500 | €25,500 | €25,548 | €10,619 | €2 | €7,426 | €4,546 | €18,067 | ▲ 297% |
| Financial charges65/66B | - | - | - | €16,009 | €2,756 | €1,710 | €0 | €204 | ▲ 20,403× |
| Recurring financial charges65 | €25,877 | €26,351 | €21,821 | €16,009 | €2,756 | €1,710 | €0 | €204 | ▲ 20,403× |
| Profit (loss) for the period before taxes9903 | €63,537 | €70,875 | €80,898 | €59,837 | €48,050 | €94,839 | €5,614 | €68,511 | ▲ 12× |
| Income taxes67/77 | €23,518 | €25,885 | €26,245 | €19,615 | €16,440 | €30,785 | €1,920 | €23,560 | ▲ 12× |
| Profit (loss) for the period9904 | €40,019 | €44,990 | €54,653 | €40,222 | €31,611 | €64,054 | €3,694 | €44,950 | ▲ 12× |
| Profit (loss) for the period to be appropriated9905 | €40,019 | €44,990 | €54,653 | €40,222 | €31,611 | €64,054 | €3,694 | €44,950 | ▲ 12× |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €1.1m | €1.2m | €1.2m | €0.8m | €0.8m | €0.9m | €0.9m | €1.0m | ▲ 13.8% |
| Fixed assets21/28 | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.3m | €0.2m | ▼ 10.3% |
| Tangible fixed assets22/27 | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.3m | €0.2m | ▼ 10.3% |
| Land and buildings22 | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | €0.1m | ▼ 9.0% |
| Plant, machinery and equipment23 | - | - | - | €0.006m | €0.01m | €0.007m | €0.004m | €0.02m | ▲ 389% |
| Furniture and vehicles24 | - | - | - | €0.001m | €0.001m | €0.01m | €0.09m | €0.07m | ▼ 30.1% |
| Current assets29/58 | €0.9m | €0.9m | €1.0m | €0.5m | €0.6m | €0.7m | €0.7m | €0.8m | ▲ 23.4% |
| Amounts receivable within one year40/41 | €0.006m | €0.006m | €0.006m | €0.008m | €0.009m | €0.006m | €0.1m | €0.01m | ▼ 91.5% |
| Trade receivables40 | - | - | - | €0.006m | €0.008m | €0.006m | €0.1m | €0.01m | ▼ 92.4% |
| Other amounts receivable41 | - | - | - | €0.002m | €0.002m | - | €0.001m | €0.001m | = |
| Current investments50/53 | €0.7m | €0.7m | €0.7m | €0.3m | €0.3m | €0.6m | €0.3m | €0.7m | ▲ 170% |
| Cash at bank and in hand54/58 | €0.1m | €0.2m | €0.3m | €0.3m | €0.3m | €0.04m | €0.3m | €0.03m | ▼ 86.4% |
| Deferred charges and accrued income490/1 | - | - | - | €0.001m | €455 | €0.06m | €0.001m | €0.05m | ▲ 78× |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €1.1m | €1.2m | €1.2m | €0.8m | €0.8m | €0.9m | €0.9m | €1.0m | ▲ 13.8% |
| Equity10/15 | €0.6m | €0.6m | €0.7m | €0.7m | €0.7m | €0.8m | €0.8m | €0.8m | ▲ 5.6% |
| Contributions10/11 | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | = |
| Capital10 | - | - | - | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | = |
| Issued capital100 | - | - | - | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | = |
| Reserves13 | €0.09m | €0.1m | €0.2m | €0.2m | €0.3m | €0.3m | €0.3m | €0.4m | ▲ 13.8% |
| Non-distributable reserves130/1 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Legal reserve130 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Distributable reserves133 | - | - | - | €0.2m | €0.2m | €0.3m | €0.3m | €0.3m | ▲ 14.9% |
| Profit (loss) carried forward14 | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Amounts payable17/49 | €0.5m | €0.6m | €0.6m | €0.06m | €0.05m | €0.1m | €0.1m | €0.2m | ▲ 66.9% |
| Amounts payable within one year42/48 | €0.5m | €0.6m | €0.6m | €0.06m | €0.05m | €0.1m | €0.1m | €0.2m | ▲ 65.2% |
| Financial debts43 | - | - | - | - | - | - | - | €0.1m | - |
| Credit institutions430/8 | - | - | - | - | - | - | - | €0.1m | - |
| Trade debts44 | - | €0.004m | €449 | €0.001m | €0.01m | €0.06m | €0.09m | €0.004m | ▼ 95.9% |
| Suppliers440/4 | - | - | - | €0.001m | €0.01m | €0.06m | €0.09m | €0.004m | ▼ 95.9% |
| Advances received on contracts in progress46 | - | - | - | - | - | - | - | €0.06m | - |
| Taxes, remuneration and social security45 | - | - | - | €0.02m | €0.01m | €0.01m | €0.01m | €0.02m | ▲ 58.4% |
| Taxes450/3 | - | - | - | €0.02m | €0.01m | €0.01m | €0.01m | €0.02m | ▲ 58.4% |
| Other amounts payable47/48 | - | - | - | €0.04m | €0.03m | €0.02m | €0.02m | €0.02m | ▼ 10.5% |
| Accrued charges and deferred income492/3 | - | - | - | - | - | - | €250 | €0.003m | ▲ 926% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €40,019 | €44,990 | €54,653 | €40,222 | €31,611 | €64,054 | €3,694 | €44,950 | ▲ 12× |
| + Depreciation and write-downs630 | €19,586 | €27,621 | €23,979 | €20,439 | €29,049 | €23,967 | €43,334 | €47,103 | ▲ 8.7% |
| Operating cash flow (approximation) | €59,605 | €72,610 | €78,632 | €60,661 | €60,660 | €88,021 | €47,028 | €92,053 | ▲ 95.7% |
| Investment in fixed assets (approximation) | - | -€39,355 | -€8,736 | -€1,392 | -€26,094 | -€12,597 | -€104,730 | -€20,252 | ▲ 80.7% |
| Change in cash | - | €49,596 | €66,810 | €235 | €24,868 | -€252,323 | €219,429 | -€220,311 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 32 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 31-08-2026 | 2026-00503626 | |
| 31-12-2024 | micro format | 22-09-2025 | 2025-00501871 | |
| 31-12-2023 | micro format | 26-08-2024 | 2024-00368845 | |
| 31-12-2022 | micro format | 19-06-2023 | 2023-00134066 | |
| 31-12-2021 | micro format | 30-05-2022 | 2022-20036957 | |
| 31-12-2020 | micro format | 31-05-2021 | 2021-16200238 | |
| 31-12-2019 | micro format | 04-06-2020 | 2020-14800010 | |
| 31-12-2018 | micro format | 27-05-2019 | 2019-14600084 | |
| 31-12-2017 | abbreviated format | 11-06-2018 | 2018-17300040 | |
| 31-12-2016 | abbreviated format | 30-05-2017 | 2017-13700488 |
Board & ownership
Directors
Directors
4 directors
Hoflack Claire
Current
Director · listed in the 2023 annual accounts, filed on 26-08-2024
Hoflack Koen
Current
Director · listed in the 2023 annual accounts, filed on 26-08-2024
HOFLACK MARC
Current
Director · listed in the 2023 annual accounts, filed on 26-08-2024
TRYBOU NICOLE
Current
Director · listed in the 2023 annual accounts, filed on 26-08-2024
Owners and capital
Owners
Mandate history
4 people, 4 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Hoflack Claire |
|
| Hoflack Koen |
|
| HOFLACK MARC |
|
| TRYBOU NICOLE |
|
Network & group
Board mandates elsewhere
1 board mandateBoard mandates of SERVISERVI sits on their board1
2 locations
Connections & network
4 current directorsThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
31-08
abbreviated format · 31 days late
2025
2024
31-12
Financial
Weakest financial yearnet €3,694 ▼94.2%
The net result drops to €3,694, the lowest from 2018 to 2025. It recovers the following year.
26-08
micro format · 26 days late
2023
31-12
Financial
Highest result from 2018 to 2025net €64,054 ▲103%
The operating result of €89,124 and the net result of €64,054 are both a record.
19-07
Founding capital · Declaration
19-06
micro format · 42 days before the deadline
2022
30-05
micro format · 62 days before the deadline
2021
31-12
Financial
Liquidity times 5current ratio 8.86
The current ratio rises from 1.76 to 8.86. Short-term debt falls from €562,839 to €61,628.
31-05
micro format · 61 days before the deadline
2020
04-06
micro format · 57 days before the deadline
Show earlier events
2019
27-05
micro format · 65 days before the deadline
2018
11-06
abbreviated format · 50 days before the deadline
2017
30-05
abbreviated format · 62 days before the deadline
1992
19-02
Gazette deed
Incorporation
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
SERVI in Dutch
Enterprise number
0446.489.317
Legal form
Public limited company
Status
Active, normale toestand
Founded
27-01-1992
Entity type
Legal entity
Registered office and establishments
Registered office
Basijnsmolenstraat(ONK) 19, 8840 Staden, Belgium
Establishment unit
Basijnsmolenstraat(ONK) 19, 8840 Staden since 26-11-2001 · unit number 2.066.673.8822110001 Manufacture of basic pharmaceutical products and pharmaceutical preparations
Activities
NACEBEL 202564210
Activities of holding companies main activity
70200
Business and other management consultancy main activity
Codes under NACEBEL 2008
64200
Holdings main activity
70220
Business consulting main activity
Codes under NACEBEL 2003
74151
main activity
Invoicing and payment
VAT number
BE 0446.489.317
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the address
Ground area
3,334 m²
Building footprint
434 m²
Building volume
2,619 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 36014D0490/00H002 | Flanders | 3,334 m² | 1 · 434 m² | 10.9 m · 2 |