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Services et Matériels

Active
Public limited companyfounded 1975active for 51 yearsRue Ernest-Solvay 208, 4000 Liège, BelgiumKBO/BCE: BE 0414.755.865
Summary

Services et Matériels has been active since 1975 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.0m and a net result of -€45,240. Equity has been growing by about 4.2% per year since 2018. Its solvency ranks better than 42% of 5,036 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Risk analysisFollow ReportCompare
Services et MatérielsActiveChecked score 79/100
Risk analysis ReportCompare

Overview

Official details

Source: KBO
Status
Active since 10-01-1975 Normal situation
Activity
Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811and 3 others
Joint committees
149.04 Paritair Subcomité voor de metaalhandel
200 Aanvullend Paritair Comité voor de bedienden · annual accounts 2025
Establishment units
4 establishment units
Financial year end
31 December
Peppol
Reachable since 03-07-2026
Company details

Board and ownership

Board
  • Henri COPManaging director
  • ATL MANAGEMENTDirector · since 05-06-2023 · permanent representative Thomas Lemaire
  • Florian COPDirector · since 05-06-2023
Auditor
3R, LEBOUTTE & Co
Shareholders
  • SEMAT HOLDINGannual accounts 2025
  • HENRI COPannual accounts 2025
Holdings
Shares in 3 companies including ASA COMPANY and Interparts
Board & ownership

Financial position

79 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.6%
Annual accounts 2025
Turnover
€19.4m
▼ 6.4%
Loss
€45,240
Equity
€6.0m
▼ 11.4%
Total assets
€20.7m
▼ 3.2%
Employees on 31-12-2025
43
▼ 6.5%
Filed on 02-06-2026, 59 days before the deadline
Financials
Score breakdownraises riskLiquidity: current ratio 0.94, cash €170,599Sector: Retail trade (NACE 47)Loss of €45,240 (financial year 2025)lowers riskFounded in 1975Show the evidence

Checked score

Score 2025
79 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 28% of small companies in retail trade (NACE 47)
Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 54-3
equity 29.1% of total assets
Liquidity 24-5
short-term debt 53.3% · cash 0.8%
Profitability 35-15
return on assets -0.2%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,696 companies, NACE 47, small)
Last 24 months 12-2024: 0.5% 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.3%▼ -0.2 percentage points vs 06-2025 08-2025: 0.3%● unchanged vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026lowest value 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.6%▲ +0.3 percentage points vs 06-2026highest value 08-2026: 0.6%● unchanged vs 07-2026highest value 09-2026: 0.6%● unchanged vs 08-2026highest value 10-2026: 0.6%● unchanged vs 09-2026highest value 11-2026: 0.6%● unchanged vs 10-2026highest value
Credit of up to €470,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.94 (1.0 in 2024), below 1. Short-term debt is 53.3% and cash 0.8% of total assets. 70.9% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small). It does better than 48% of them on solvency, 23% on liquidity, 19% on profitability and 23% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 0.94, cash €170,599
NBB · annual accounts
lowers risk · Founded in 1975
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Loss of €45,240 (financial year 2025)
NBB · annual accounts
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
59 days early
2024
57 days early
2023
56 days early
2022
24 days early
2021
44 days early
2020
44 days early
2019
50 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 48 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 6 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €1.2m in 2024 -€45,240 View
  • Caution: Lower net result than 84% of companies in retail tradesector median €39,952 · 5,035 companies -€45,240 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

Companies linked to Services et Matériels

Comparable companies

These companies have the same main activity as Services et Matériels: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €12m and €23m, founded between 1976 and 1986.

CompanyTotal assetsTurnover
Services et Matériels Liège€20.7m€19.4m
Spirletliège Blégny€14.1m€29.3m
ETABLISSEMENTS FELIX SPIRLET FILS Verviers€21.6m€34.4m
SCANTEC Grâce-Hollogne€14.1m€26.5m
Louyet Verviers Verviers€13.8m€37.1m
Etablissements BORTOLIN Huy€11.8m€36.6m
TRUCK SERVICE SEBASTIAN Kelmis€23.2m€51.0m
Full comparison

Key facts about Services et Matériels
What is the company number of Services et Matériels?
The company number of Services et Matériels is 0414.755.865. The VAT number is the same number with BE in front: BE 0414.755.865.
Where is Services et Matériels based?
The registered office is at Rue Ernest-Solvay 208, 4000 Liège.Company details
What does Services et Matériels do?
According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
What is the legal form of Services et Matériels?
The legal form of Services et Matériels is Public limited company (NV).
When was Services et Matériels founded?
Services et Matériels was founded on 10-01-1975.
Is Services et Matériels still active?
Yes, Services et Matériels is an active enterprise in the KBO register.
How many employees does Services et Matériels have?
Services et Matériels had an average of 41.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does Services et Matériels fall under?
In its 2025 annual accounts, Services et Matériels states joint committees 149.04 (Paritair Subcomité voor de metaalhandel) and 200 (Aanvullend Paritair Comité voor de bedienden).
What is the turnover of Services et Matériels?
The turnover of Services et Matériels was €19.4m in financial year 2025, according to the filed annual accounts.
Is Services et Matériels profitable?
In financial year 2025, Services et Matériels made a loss of €45,240.
Where can I find the annual accounts of Services et Matériels?
Services et Matériels filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Services et Matériels due?
Services et Matériels must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence See whether the workforce is growing and whether people stay.Employer check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark

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