Financials
- Fiscal year
- 2025
- Total assets
- €346,916
- Loss
- -€23,598
- Solvency
- 16.8%
Total assets▼ 6.8%
Net result
20182025
SERVI DIAM
ActiveSummary
SERVI DIAM has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58,131 and a net result of -€23,598. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 19% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
What they do
Other specialised construction activities
NACE 43990General construction of residential buildings NACE 41001General construction of buildings NACE 41201
1 site
How big
€346,916total assets 2025
- Staff
- 1 FTE
- Equity
- €58,131
- Loss
- -€23,598
Turnover not published (abridged schema)
Who decides
- Largest shareholder
- BETON FACTORY · 50%
- Board
- 1 member
Accounts filed 24 d late1 of 4 deeds read
Why 77- Sector Specialised construction activities (NACE 43)- Loss of €23,598, the second in a row (FY 2025)- Equity €58,131 (16.8% of total assets)+ Size: total assets €346,916Show the evidence
Checked score
Score 2025
77
/ 100
Excellent
Probability in this band: under 0.55%
Better than 15% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
42-5
equity 16.8% of total assets
Liquidity
27+3
short-term debt 83.2% · cash 18.1%
Profitability
10-2
return on assets -6.8%
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Sector Specialised construction activities (NACE 43) raises the probability
- Loss of €23,598, the second in a row (FY 2025) raises the probability
- Size: total assets €346,916 lowers the probability for this profile
- Equity €58,131 (16.8% of total assets) raises the probability
Credit up to €4,000 at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.2 in 2024; short-term debt: 83.2% and cash: 18.1% of total assets), and 83.2% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 19%, liquidity 16%, profitability 11%, growth against the median 14%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€23,598
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 30651 sector peers (2025).
NBB · sector comparisonPosition among 30651 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
26 d late
2023
28 d late
2022
3 d late
2021
30 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 25 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 26 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Resignation: Jouret, Eric Jacques Michel (manager…Appointment: Jouret, Eric Jacques Michel…
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€23,598
Key points
By topic
Board & ownership
- Board
- 1 member
- Largest shareholder
- BETON FACTORY · 50%
Go to Board & ownership
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 08-09-2026Resignation: Jouret, Eric Jacques Michel (manager and…
- 24-08-2026Annual accounts filed
- 31-12-2025Weakest financial year
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other specialised construction activitiesNACE 43990
- Founded
- 31-08-2006
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 19
- Annual meeting
- Third Friday of June at 10:00
- Purpose
- Alle activiteiten die verband houden met onderneming en bouw en alle mogelijke technische…
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