Service Coupé

Active

Private limited companyfounded 20214 yrs activeReekstraat 2, 9140 Temse, BelgiumKBO/BCE: BE 0776.507.764

The computed 12-month bankruptcy probability of Service Coupé is 4.4% (elevated). The 2024 annual accounts show equity of €29k and a net result of €3k. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 43% of 18942 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

51 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability72▼-2

Solvency46▼-2

Growth52=

Track record94

Bankruptcy probability, 12 months

4.4% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days only on tighter terms

Liquidity short (current ratio 0.97 against 0.89 in 2023; short-term debt: 60% and cash: 29.1% of total assets), and 78.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

21.1%

Return on assets

2.5%

Age of the figures

21 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-05-2025, 65 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

65 d early

2023

2 d early

2022

45 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€29k▲ 13.3%

2023 · €25k

2022: €21k 2023: €25k

2022 → 2024

Total assets

€136k▲ 21.6%

2023 · €112k

2022: €137k 2023: €112k

2022 → 2024

Net result

€3k▼ 26.8%

2023 · €5k

2022: €11k 2023: €5k

2022 → 2024

Working capital

€-3k▲ 71.6%

2023 · €-10k

2022: €-12k 2023: €-10k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€21k-€25k▲ 22.2%€29k▲ 13.3%

Operating result€16k-€8k▼ 50.5%€9k▲ 11.6%

Net result€11k-€5k▼ 57.2%€3k▼ 26.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 12% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €136k

42.0%

58.0%

Fixed assets €57k▲ 63.2%

Current assets €79k▲ 2.7%

Equity and liabilities €136k

21.1%

78.9%

Equity €29k▲ 13.3%

Debt €107k▲ 24.1%

The debt ratio rises from 77.3% to 78.9%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€24k▲

2023 · €22k

Cash flow

€18k▼

2023 · €18k

Solvency

21.1%▼

2023 · 22.7%

Current ratio

0.97▲

2023 · 0.89

Quick ratio

0.73▲

2023 · 0.66

Debt / equity

3.74▲

2023 · 3.41

ROE

11.7%▼

2023 · 18.2%

ROA

2.5%▼

2023 · 4.1%

Interest coverage

7.59▼

2023 · 243.42

Debt

€107k▲

2023 · €87k

Debt ≤ 1 year

€82k▼

2023 · €87k

Debt > 1 year

€26k

Income taxes

€3k▼

2023 · €3k

Staff costs

€186k▲

2023 · €157k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€112k€136k▲

Fixed assets21/28€35k€57k▲

Tangible fixed assets22/27€35k€57k▲

Plant, machinery and equipment23€12k€6k▼

Furniture and vehicles24€264€32k▲

Other tangible fixed assets26€23k€20k▼

Current assets29/58€77k€79k▲

Stocks and contracts in progress3€20k€20k=

Stocks30/36€20k€20k=

Amounts receivable within one year40/41€1k€18k▲

Trade receivables40€1k€10k▲

Other amounts receivable41-€8k

Cash at bank and in hand54/58€53k€40k▼

Deferred charges and accrued income490/1€3k€2k▼

Equity and liabilities

Total equity and liabilities10/49€112k€136k▲

Equity10/15€25k€29k▲

Contributions10/11€10k€10k=

Reserves13€15k€19k▲

Distributable reserves133€15k€19k▲

Amounts payable17/49€87k€107k▲

Amounts payable after more than one year17-€26k

Financial debts170/4-€26k

Amounts payable within one year42/48€87k€82k▼

Current portion of amounts payable after more than one year42€13k€7k▼

Trade debts44€45k€42k▼

Suppliers440/4€45k€42k▼

Taxes, remuneration and social security45€14k€24k▲

Taxes450/3€9k€11k▲

Remuneration and social security454/9€5k€13k▲

Other amounts payable47/48€14k€9k▼

Income statement Code20232024

Remuneration, social security and pensions62€157k€186k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲

Other operating charges640/8€2k€2k▲

Gross operating margin9900€180k€212k▲

Operating profit (loss)9901€8k€9k▲

Financial income75/76B€11€126▲

Recurring financial income75€11€126▲

Financial charges65/66B€89€3k▲

Recurring financial charges65€89€3k▲

Profit (loss) for the period before taxes9903€8k€6k▼

Income taxes67/77€3k€3k▼

Profit (loss) for the period9904€5k€3k▼

Profit (loss) for the period to be appropriated9905€5k€3k▼

Appropriation of the result

Profit (loss) to be appropriated9906€5k€3k▼

Transfer to equity691/2€5k€3k▼

To other reserves6921€5k€3k▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

2025

27-05

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €3k ▼26.8%

Net result drops to €3k, the lowest in the series.

29-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

14-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 45 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, Temse · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Reekstraat 29140 Temse

Ground area

1,612 m²

Building footprint

717 m²

Volume, LiDAR

5,990 m³

2 parcels, Flanders · tallest building 15.4 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Service Coupé

Wilfordkaai 38, 9140 TemseFood and beverage service activities

since 20212.324.314.295

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46026A0727/00F000	Flanders	1,047 m²	1 · 152 m²	8.2 m · 2 fl.
46302D0729/02X004	Flanders	565 m²	1 · 565 m²	15.4 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Temse2.324.314.295

1 permission

Toelating · Eetgelegenheid · since 21-01-2022

Similar companies · same sector, comparable size

Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,407 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded26-10-2021

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56111Full-service restaurants

56210Event catering

Sources

Crossroads Bank for EnterprisesNational Bank · 3 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.