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Complete company report
Generated 09-08-2026
Active BE 0420.329.605Public limited company

SERVI - ASSUR

Rue des Genêts 49 ·4420 Saint-Nicolas, Belgium· 46 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of SERVI - ASSUR is 0.5% (very low). The 2025 annual accounts show equity of €363k and a net result of €17k. Equity is growing by ~6.1% per year across the filed fiscal years. The company has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.
Key figures
Equity €363k
Net result €17k
Active 46 yrs
Locations 1
Snowflake analysis 5 axes · computed by Checked
Health76Profitability74Solvency100Growth52Stability100
80 / 100

Exceptional profile, strong across almost every axis.

Health 76
Profitability 74
Solvency 100
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.5% Very low
0%0,5%1,5%4%10%≥25%
No NACE activity registered +Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1980, 46 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2025 · computed
76 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 10-06-2026 with the NBB · fiscal year 2025 · micro
€0€25k€50k€75kRevenue 2021: €66k€66kOperating result 2021: €18k€18kNet result 2021: €23k€23kRevenue 2022: €65k€65kOperating result 2022: €19k€19kNet result 2022: €7k€7kRevenue 2023: €70k€70kOperating result 2023: €19k€19kNet result 2023: €10k€10kRevenue 2024: €72k€72kOperating result 2024: €23k€23kNet result 2024: €37k€37kRevenue 2025: €83k€83kOperating result 2025: €22k€22kNet result 2025: €17k€17k20212022202320242025
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~6.1%/year over 8 fiscal years, indicative, assuming unchanged policy.
€200k€300k€400k2026: €380k (€351k - €409k)2027: €398k (€369k - €427k)2028: €416k (€387k - €445k)2018: €217k2019: €258k2020: €270k2021: €293k2022: €300k2023: €309k2024: €346k2025: €363k20182019202020212022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Revenue
€83k
+14.9% 18-25
EBITDA
€24k
+1.2% 18-25
Net profit
€17k
-54.2% 18-25
Cash flow
€19k
-50.9% 18-25
Total assets
€384k
-1.1% 18-25
Equity
€363k
+4.8% 18-25
Working capital
€353k
+3.4% 18-25
Income taxes
€15k
+20.9% 18-25
Debt
€21k
-50.0% 18-25
Debt ≤ 1y
€21k
-50.0% 18-25
Current ratio
17.74
+95.2% 18-25
Quick ratio
17.74
+95.2% 18-25
Solvency
94.5%
+6.0% 18-25
Debt / equity
0.06
-52.3% 18-25
ROE
4.6%
-56.3% 18-25
ROA
4.4%
-53.7% 18-25
Net margin
20.2%
-60.2% 18-25
EBITDA margin
29.2%
-11.9% 18-25
Interest coverage
1.13
- 18-25
Figures by fiscal year
Fiscal year2025
Revenue€83k
EBITDA€24k
Net profit€17k
Cash flow€19k
Staff costs-
Income taxes€15k
Dividends-
Total assets€384k
Equity€363k
Debt€21k
of which ≤ 1y€21k
of which > 1y-
Working capital€353k
Employees (FTE)-
Ratios (computed)
2025
Current ratio17.74
Quick ratio17.74
Working capital ratio92.1%
Solvency94.5%
Debt / equity0.06
Long-term debt ratio-
Interest coverage1.13
Gross margin29.7%
Net margin20.2%
ROA4.4%
ROE4.6%
EBITDA margin29.2%
Days sales outstanding32d
Days payable outstanding99d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€384k
Fixed assets 21/28€9k
Tangible fixed assets 22/27€9k
Current assets 29/58€375k
Amounts receivable within one year 40/41€10k
Investments 50/53€204k
Cash & bank 54/58€158k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€384k
Equity 10/15€363k
Contributions / capital 10/11€63k
Reserves 13€60k
Accumulated profits (losses) 14€241k
Amounts payable 17/49€21k
Amounts payable within one year 42/48€21k
Trade debts payable within one year 44€16k
Income statement
Turnover 70€83k
Gross operating margin 9900€25k
Operating result 9901€22k
Financial income 75€31k
Financial charges 65€21k
Result before taxes 9903€32k
Income taxes 67/77€15k
Net result for the period 9904€17k
Result to be appropriated 9905€17k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary -
Legal form Public limited company(014)
Incorporation10-03-1980
StatusActive
Postal code4420
Establishment units 1 location
Rue des Genêts 49, 4420 Saint-Nicolas
Financiële leasing
since 19802.017.299.595
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62093B0242/00D004 Wallonia 362 m² 1 · 70 m² 10.0 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 13 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
10-06-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
06-10-2025
State Gazette act Director changes
11-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
07-08-2024
State Gazette act Director changes
22-05-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
06-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
28-06-2022
State Gazette act Director changes
01-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
21-05-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
25-05-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
16-05-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
15-05-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
24-05-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
Belgisch Staatsblad, acts 3 acts
All acts · 3 updated 10 months ago
2025
06-10-2025 2 directors appointed, 2 resigning Director changes
  • JAMAR Simone, Directeur
  • COBUS Clément, Directeur
  • COBUS Jacques, Directeur
  • JAMAR Simone, Directeur
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "directeur",
      "person": {
        "rrn": null,
        "name": "COBUS Jacques",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "il a \u00E9t\u00E9 propos\u00E9 aux votes la d\u00E9mission du fait du d\u00E9c\u00E8s, de son mandat d\u0027administrateur et Pr\u00E9sident, de Monsieur COBUS Jacques.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_out",
      "role": "directeur",
      "person": {
        "rrn": null,
        "name": "JAMAR Simone",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Madame JAMAR Simone \u00E9pouse COBUS d\u00E9missionne de son mandat de Vice-Pr\u00E9sidente, pour reprendre le mandat de Pr\u00E9sident laiss\u00E9 vacant.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "directeur",
      "person": {
        "rrn": null,
        "name": "JAMAR Simone",
        "address": "Rue des Genets n\u00B0 49 \u00E0 4420 SAINT-NICOLAS",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "Celle-ci accepte la poursuite du mandat de Pr\u00E9sident laiss\u00E9 vacant et ce jusqu\u0027au terme initial qui est fix\u00E9 jusqu\u0027\u00E0 la date de l\u0027assembl\u00E9e g\u00E9n\u00E9rale ordinaire de 2030.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2030"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "directeur",
      "person": {
        "rrn": null,
        "name": "COBUS Cl\u00E9ment",
        "address": "Rue des GENETS n\u00B0 49 \u00E0 4420 SAINT-NICOLAS",
        "birth_date": "2005-07-16",
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale du 16 mai 2025 acte par un vote \u00E0 l\u0027unanimit\u00E9 la nomination de Monsieur COBUS Cl\u00E9ment.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": 12
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-10-06",
    "filing_date": "2025-03-28",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2025-03-28",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2025-05-16",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0420.329.605",
    "name_full": "SERVI - ASSUR",
    "legal_form": "SOCIETE ANONYME"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "JAMAR SIMONE",
    "org_rep_person_name": null,
    "person_role_at_subject": "Pr\u00E9sidente"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2024
07-08-2024 COBUS Pierre reappointed as director Director changes
  • COBUS Pierre, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "COBUS Pierre",
        "address": "Rue des GENETS N\u00B0 49 \u00E0 4420 SAINT-NICOLAS",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Lors de l\u0027assembl\u00E9e g\u00E9n\u00E9rale ordinaire du 03 mai 2024, il a \u00E9t\u00E9 propos\u00E9 aux votes la reconduction du mandat de l\u0027administrateur d\u00E9l\u00E9gu\u00E9 \u00E0 savoir: Monsieur COBUS Pierre domicili\u00E9 Rue des GENETS N\u00B0 49 \u00E0 4420 SAINT-NICOLAS.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2030"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_granted",
      "role": "administrateur_d\u00E9l\u00E9gu\u00E9",
      "person": {
        "rrn": null,
        "name": "COBUS Pierre",
        "address": "Rue des GENETS N\u00B0 49 \u00E0 4420 SAINT-NICOLAS",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale \u00E0 l\u0027unanimit\u00E9 se prononce pour la reconduction du mandat dans les m\u00EAmes conditions et remercie son administrateur d\u00E9l\u00E9gu\u00E9 d\u0027accepter la reconduction.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": "2024-05-03",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-05-03",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0420.329.605",
    "name_full": "SERVI - ASSUR",
    "legal_form": "SOCIETE ANONYME"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "COBUS JACQUES",
    "org_rep_person_name": null,
    "person_role_at_subject": "Pr\u00E9sident"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2022
28-06-2022 2 reappointed Director changes
  • JAMAR Simone, Voorzitter
  • COBUS Jacques, Voorzitter
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "voorzitter",
      "person": {
        "rrn": null,
        "name": "JAMAR Simone",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Lors de l\u0027assembl\u00E9e g\u00E9n\u00E9rale ordinaire du 06 mai 2022, il a \u00E9t\u00E9 propos\u00E9 aux votes la reconduction des mandats des administrateurs suivants: Madame JAMAR Simone, \u00E9pouse COBUS, Vice-Pr\u00E9sidente du Conseil d\u0027administration;",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2028"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_renew",
      "role": "voorzitter",
      "person": {
        "rrn": null,
        "name": "COBUS Jacques",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Monsieur COBUS Jacques Pr\u00E9sident du Conseil d\u0027administration;",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2028"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "LIEG",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2022-06-28",
    "filing_date": "2022-06-07",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2022-05-06",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0420.329.605",
    "name_full": "SERVI - ASSUR",
    "legal_form": "SOCIETE ANONYME"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "COBUS JACQUES",
    "org_rep_person_name": null,
    "person_role_at_subject": "Pr\u00E9sident"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

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Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameFR SERVI - ASSUR
Registered office
Rue des Genêts 49
4420 Saint-Nicolas, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative