SERVICE EN DEVELOPMENT
ActiveSERVICE EN DEVELOPMENT has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €-5k. Equity is shrinking by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 55% of 8589 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency65▼-1
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.07 against 0.03 in 2024), and 42% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
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
58%
Return on assets
-6.7%
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 -€5k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d early
2023
24 d late
2022
31 d late
2021
41 d early
2020
88 d late
2019
31 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, abbreviated schema
Equity
€44k▼ 10.3%
2024 · €49k
2018: €65k
2019: €63k
2020: €64k
2021: €69k
2022: €63k
2023: €56k
2024: €49k
2018 → 2025
Total assets
€77k▲ 1.4%
2024 · €75k
2018: €83k
2019: €81k
2020: €82k
2021: €79k
2022: €78k
2023: €77k
2024: €75k
2018 → 2025
Net result
€-5k▲ 19.6%
2024 · €-6k
2018: €-6k
2019: €-3k
2020: €1k
2021: €5k
2022: €-6k
2023: €-7k
2024: €-6k
2018 → 2025
Working capital
€-30k▼ 18.7%
2024 · €-25k
2018: €-15k
2019: €-17k
2020: €-15k
2021: €-9k
2022: €-14k
2023: €-20k
2024: €-25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€63k▼ 8.8%€56k▼ 11.2%€49k▼ 11.4%€44k▼ 10.3%
Operating result€5k-€-5k€-7k▼ 28.9%€-6k▲ 11.2%€-5k▲ 16.6%
Net result€5k-€-6k€-7k▼ 17.1%€-6k▲ 10.3%€-5k▲ 19.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €6k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€74k▼ 0.5%
Current assets
€2k▲ 200%
Equity and liabilities €77k
Equity
€44k▼ 10.3%
Debt
€32k▲ 23.8%
The debt ratio rises from 34.4% to 42.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-5k▲
2024 · €-5k
Cash flow
€-5k▲
2024 · €-5k
Solvency
58.0%▼
2024 · 65.6%
Current ratio
0.07▲
2024 · 0.03
Quick ratio
0.07▲
2024 · 0.03
Debt / equity
0.72▲
2024 · 0.53
ROE
-11.5%▲
2024 · -12.8%
ROA
-6.7%▲
2024 · -8.4%
Interest coverage
-30.47▲
2024 · -37.55
Debt
€32k▲
2024 · €26k
Debt ≤ 1 year
€32k▲
2024 · €26k
Income taxes
€0▼
2024 · €273
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€75k€77k▲
Fixed assets21/28€75k€74k▼
Tangible fixed assets22/27€75k€74k▼
Land and buildings22€75k€74k▼
Plant, machinery and equipment23€0-
Financial fixed assets28€157€157=
Current assets29/58€728€2k▲
Amounts receivable within one year40/41€288€0▼
Trade receivables40€288€0▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€238€624▲
Deferred charges and accrued income490/1€201€2k▲
Equity and liabilities
Total equity and liabilities10/49€75k€77k▲
Equity10/15€49k€44k▼
Contributions10/11€71k€71k=
Outside capital11€71k€71k=
Other1109/19€71k€71k=
Reserves13€83k€83k=
Non-distributable reserves130/1€7k€7k=
Reserves not available under the articles1311€7k€7k=
Distributable reserves133€76k€76k=
Profit (loss) carried forward14€-104k€-109k▼
Amounts payable17/49€26k€32k▲
Amounts payable within one year42/48€26k€32k▲
Trade debts44-€898
Suppliers440/4-€898
Taxes, remuneration and social security45€273€0▼
Taxes450/3€273€0▼
Other amounts payable47/48€26k€31k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€865€377▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€-3k€-3k▲
Operating profit (loss)9901€-6k€-5k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€135€150▲
Recurring financial charges65€135€150▲
Profit (loss) for the period before taxes9903€-6k€-5k▲
Income taxes67/77€273€0▼
Profit (loss) for the period9904€-6k€-5k▲
Profit (loss) for the period to be appropriated9905€-6k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-104k€-109k▼
Profit (loss) brought forward from the previous period14P€-98k€-104k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €5k ▲266%
Operating result €5k, net result €5k, both a record.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Deinze · 1 establishment unit since 1992
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.
Kippendonkstraat 39850 DeinzeGround area
4,043 m²
Building footprint
212 m²
Volume, LiDAR
861 m³
Parcel 44027A1158/00B000, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kippendonkstraat 3, 9850 Deinze
since 19922.058.355.341
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44027A1158/00B000 | Flanders | 4,043 m² | 1 · 212 m² | 7.1 m · 1 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.
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Second Group
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 37,317 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded13-07-1992
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 33 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.