SERVI-HOME
ActiveSERVI-HOME has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €-15k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 55% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency96▼-2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 2.61 in 2024), and 48.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.5%
Return on assets
-25.5%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€15k
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
27 d late
2023
30 d late
2022
30 d late
2021
26 d late
2020
7 d late
2019
1 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▼ 33.1%
2024 · €46k
2018: €23k
2019: €905
2020: €26k
2021: €31k
2022: €51k
2023: €57k
2024: €46k
2018 → 2025
Total assets
€59k▼ 21.7%
2024 · €76k
2018: €55k
2019: €50k
2020: €59k
2021: €64k
2022: €77k
2023: €80k
2024: €76k
2018 → 2025
Net result
€-15k▼ 35.8%
2024 · €-11k
2018: €-18k
2019: €-22k
2020: €25k
2021: €5k
2022: €21k
2023: €6k
2024: €-11k
2018 → 2025
Working capital
€31k▼ 33.7%
2024 · €46k
2018: €20k
2019: €2k
2020: €27k
2021: €32k
2022: €52k
2023: €56k
2024: €46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€51k▲ 67.2%€57k▲ 10.8%€46k▼ 19.6%€30k▼ 33.1%
Operating result€5k-€21k▲ 314%€6k▼ 72.1%€-10k€-13k▼ 34.8%
Net result€5k-€21k▲ 340%€6k▼ 73.2%€-11k€-15k▼ 35.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2025 against €10k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets
€93▼ 83.5%
Current assets
€59k▼ 21.3%
Equity and liabilities €59k
Equity
€30k▼ 33.1%
Debt
€29k▼ 4.6%
The debt ratio rises from 39.8% to 48.5%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-13k▼
2024 · €-9k
Cash flow
€-15k▼
2024 · €-11k
Solvency
51.5%▼
2024 · 60.2%
Current ratio
2.08▼
2024 · 2.61
Quick ratio
2.08▼
2024 · 2.61
Debt / equity
0.94▲
2024 · 0.66
ROE
-49.5%▼
2024 · -24.4%
ROA
-25.5%▼
2024 · -14.7%
Interest coverage
-7.68▲
2024 · -8.09
Debt
€29k▼
2024 · €30k
Debt ≤ 1 year
€28k▼
2024 · €29k
Staff costs
€59k▲
2024 · €50k
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€76k€59k▼
Fixed assets21/28€565€93▼
Tangible fixed assets22/27€565€93▼
Plant, machinery and equipment23€186€93▼
Furniture and vehicles24€379€0▼
Current assets29/58€75k€59k▼
Amounts receivable within one year40/41€65k€51k▼
Trade receivables40€65k€51k▼
Cash at bank and in hand54/58€10k€8k▼
Deferred charges and accrued income490/1-€397
Equity and liabilities
Total equity and liabilities10/49€76k€59k▼
Equity10/15€46k€30k▼
Contributions10/11€19k€19k=
Reserves13€3k€3k=
Non-distributable reserves130/1€0-
Tax-exempt reserves132€1k€1k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€24k€9k▼
Amounts payable17/49€30k€29k▼
Amounts payable within one year42/48€29k€28k▼
Trade debts44€13k€16k▲
Suppliers440/4€13k€16k▲
Advances received on contracts in progress46-€119
Taxes, remuneration and social security45€16k€12k▼
Taxes450/3€2k€3k▲
Remuneration and social security454/9€14k€9k▼
Accrued charges and deferred income492/3€1k€346▼
Income statement
Code20242025
Remuneration, social security and pensions62€50k€59k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€472€472=
Other operating charges640/8€71€500▲
Gross operating margin9900€41k€47k▲
Operating profit (loss)9901€-10k€-13k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-11k€-15k▼
Profit (loss) for the period9904€-11k€-15k▼
Profit (loss) for the period to be appropriated9905€-11k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€9k▼
Profit (loss) brought forward from the previous period14P€35k€24k▼
The notes to these accounts (7 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
07-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 7 days late
2020
31-12
Financial
Back to profitnet €25k
Net result €25k after 2 loss-making years.
01-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 1 day late
2019
31-12
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Liège · 1 establishment unit since 1984
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 Belvaux 2204030 LiègeGround area
571 m²
Building footprint
81 m²
Parcel 62047C1299/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SERVI-HOME
since 19842.024.369.214
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62047C1299/00D000 | Wallonia | 571 m² | 1 · 81 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
BOETS SANITAIR
BE 0897.412.227
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Verhaegen
BE 0678.880.135
Wijnegem · Eq €30k
ALECTI
BE 0775.876.670
Izegem · Eq €30k
Sanitair Vollens
BE 0767.405.206
Kapellen · Eq €30k
BATI-SAS
BE 0782.537.897
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Of 6,991 companies in sector 43221 we hold annual accounts for 3,445. 2,714 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-1984
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
45332
74700
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.servi-home.be
E-mail:servi-home@live.be