Serviamus
ActiveServiamus has been active since 1924 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23.00M and a net result of €-599k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 81% of 273 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-17
Solvency100=
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.6M at 30 days acceptable
short-term debt: 0.3% and cash: 1.1% of total assets, and 9.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 94
Relative position
BE, all sectors
reference
Sector 94
lower
← 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
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
90.3%
Return on assets
-2.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €23.00M
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
69 d early
2023
65 d early
2022
56 d early
2021
62 d early
2020
46 d early
2019
63 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€23.00M▲ 24.1%
2024 · €18.54M
2018: €19.35M
2019: €19.59M
2020: €19.67M
2021: €19.72M
2022: €19.14M
2023: €18.96M
2024: €18.54M
2018 → 2025
Total assets
€25.47M▲ 12.3%
2024 · €22.68M
2018: €23.29M
2019: €23.68M
2020: €23.84M
2021: €23.97M
2022: €23.51M
2023: €23.50M
2024: €22.68M
2018 → 2025
Net result
€-599k▼ 44.1%
2024 · €-416k
2018: €368k
2019: €246k
2020: €73k
2021: €57k
2022: €-584k
2023: €-182k
2024: €-416k
2018 → 2025
Working capital
€20.41M▲ 22.0%
2024 · €16.73M
2018: €20.35M
2019: €19.04M
2020: €17.33M
2021: €17.27M
2022: €17.08M
2023: €17.30M
2024: €16.73M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19.72M-€19.14M▼ 3.0%€18.96M▼ 1.0%€18.54M▼ 2.2%€23.00M▲ 24.1%
Operating result€-29k-€-369k▼ 1,188%€-502k▼ 35.9%€-650k▼ 29.5%€-856k▼ 31.6%
Net result€57k-€-584k€-182k▲ 68.9%€-416k▼ 128%€-599k▼ 44.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €856k in 2025 against €650k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25.47M
Fixed assets
€4.99M▼ 13.8%
Current assets
€20.48M▲ 21.2%
Equity and liabilities €25.47M
Equity
€23.00M▲ 24.1%
Provisions
€2.35M▼ 40.5%
Debt
€114k▼ 40.3%
The debt ratio falls from 0.8% to 0.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-635k▼
2024 · €-418k
Cash flow
€-378k▼
2024 · €-183k
Solvency
90.3%▲
2024 · 81.7%
Debt / equity
0.00▼
2024 · 0.01
ROE
-2.6%▼
2024 · -2.2%
ROA
-2.4%▼
2024 · -1.8%
Interest coverage
-26.33▼
2024 · 14.30
Debt
€114k▼
2024 · €192k
Debt ≤ 1 year
€77k▼
2024 · €166k
Income taxes
€58k▼
2024 · €60k
Staff costs
€84k▼
2024 · €90k
A ratio outside any meaningful range has been withheld (balance sheet total €25.47M, equity €23.00M).
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€22.68M€25.47M▲
Fixed assets21/28€5.79M€4.99M▼
Tangible fixed assets22/27€5.79M€4.99M▼
Land and buildings22€5.72M€4.93M▼
Plant, machinery and equipment23€42k€35k▼
Furniture and vehicles24€30k€23k▼
Leasing and similar rights25-€2k
Current assets29/58€16.90M€20.48M▲
Amounts receivable after more than one year29€4.26M€1.44M▼
Other amounts receivable291€4.26M€1.44M▼
Amounts receivable within one year40/41€117k€132k▲
Other amounts receivable41€117k€132k▲
Current investments50/53€10.85M€18.63M▲
Cash at bank and in hand54/58€1.66M€279k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€22.68M€25.47M▲
Equity10/15€18.54M€23.00M▲
Contributions10/11€8.87M€13.93M▲
Capital10€8.87M€13.93M▲
Reserves13€820k€1.93M▲
Profit (loss) carried forward14€8.85M€7.14M▼
Investment grants15€3k€2k▼
Provisions and deferred taxes16€3.95M€2.35M▼
Provisions for liabilities and charges160/5€3.95M€2.35M▼
Other liabilities and charges164/5€3.95M€2.35M▼
Amounts payable17/49€192k€114k▼
Amounts payable within one year42/48€166k€77k▼
Trade debts44€58k€67k▲
Suppliers440/4€58k€67k▲
Taxes, remuneration and social security45€7k€11k▲
Remuneration and social security454/9€7k€11k▲
Accrued charges and deferred income492/3€25k€37k▲
Income statement
Code20242025
Non-recurring operating income76A€7k€49k▲
Remuneration, social security and pensions62€90k€84k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€232k€221k▼
Other operating charges640/8€641k€3.91M▲
Gross operating margin9900€-78k€1.75M▲
Operating profit (loss)9901€-650k€-856k▼
Financial income75/76B€265k€339k▲
Recurring financial income75€265k€339k▲
Financial charges65/66B€-29k€24k▲
Recurring financial charges65€-29k€24k▲
Profit (loss) for the period before taxes9903€-356k€-540k▼
Income taxes67/77€60k€58k▼
Profit (loss) for the period9904€-416k€-599k▼
Profit (loss) for the period to be appropriated9905€-416k€-599k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8.78M€8.25M▼
Profit (loss) brought forward from the previous period14P€9.19M€8.85M▼
From contributions791€66k-
To contributions691-€1.11M
Social balance
Average headcount (FTE)90872.21.9▼
The notes to these accounts (11 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-599k
Net result drops to €-599k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 264.38
Current ratio from 101.48 to 264.38; short-term debt falls from €166k to €77k.
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-12
State Gazette act
General meeting · Director appointment
Statutes amendment · Corporate purpose
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-10
State Gazette act
General meeting · Statutes amendment
Corporate purpose · Director resignation
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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 2025
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.
27-10-2025
E.Z Vandenreyt Elza: Resigned as Director
27-10-2025
E.Z. Cleeren Maria: Resigned as Director
27-10-2025
E.Z. Rombaut Maria: Resigned as Director
27-10-2025
E.Z. Vanderfeesten Maria: Resigned as Director
27-10-2025
Smits Elsa: Resigned as Director
22-09-2018
Gerits Madeleine: Resigned as Director
22-09-2018
Philip Machiels: Resigned as Director
22-09-2018
Willems Marie-José Johanna: Resigned as Director
06-03-2013
Dullers Lea: Resigned as Director
06-03-2013
Küppers Renate: Resigned as Director
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 2006
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.
Paul Bellefroidlaan 2C3500 HasseltGround area
7,876 m²
Building footprint
1,190 m²
Volume, LiDAR
5,617 m³
Parcel 71324E0441/00D000, Flanders · tallest building 18.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vereniging van de Zusters Ursulinen
since 20062.153.700.106
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71324E0441/00D000 | Flanders | 7,876 m² | 1 · 1,190 m² | 18.4 m · 2 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
967600QAQKBRSAXN6603
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Eveche de Namur
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Namur · Eq €24.48M
Of 2,062 companies in sector 94910 we hold annual accounts for 235. 164 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded04-01-1924
Fiscal year end31-12
Abbreviation NL
Serviam
Activities, NACEBEL
91310
94910Activities of religious organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.