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Generated 13-08-2026
Active BE 0754.541.719Private limited company

SERVICES MERTENS

Steenweg op Mechelen 455 ·1950 Kraainem, Belgium· 5 yrs active
Sector: Sanitaire werkzaamheden (43221)
Conclusion Checked

The computed 12-month bankruptcy probability of SERVICES MERTENS is 4.3% (elevated). The 2023 annual accounts show equity of €36k and a net result of €16k. Its solvency ranks better than 46% of 9100 sector peers (fiscal year 2023). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €36k
Net result €16k
Staff (FTE) 0.5
Better than sector 46%
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health89Profitability100Solvency58Growth78Stability94
84 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 89
Profitability 100
Solvency 58
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
4.3% Elevated
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2023 · computed
89 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 30-09-2024 with the NBB · fiscal year 2023 · micro
€0€5k€10k€15k€20kOperating result 2022: €14k€14kNet result 2022: €12k€12kOperating result 2023: €18k€18kNet result 2023: €16k€16k20222023
Operating resultNet result
Sector comparison
Fiscal year 2023 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 35.9% 38.7%
better than 46% of 9100 sector peers
Net result €16k €12k
better than 57% of 9085 sector peers
Equity €36k €30k
better than 56% of 9106 sector peers
Gross operating margin €51k €33k
better than 63% of 9074 sector peers
Staff costs €19k €26k
higher than 46% of 3340 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€28k
+78.5% 22-23
Net profit
€16k
+35.5% 22-23
Cash flow
€26k
+85.3% 22-23
Total assets
€101k
+46.4% 22-23
Equity
€36k
+78.6% 22-23
Working capital
€4k
+1091.7% 22-23
Employees (FTE)
1
+66.7% 22-23
Staff costs
€19k
+204.8% 22-23
Income taxes
€4k
+42.2% 22-23
Debt
€65k
+32.9% 22-23
Debt ≤ 1y
€65k
+33.4% 22-23
Current ratio
1.07
+6.0% 22-23
Quick ratio
1.07
+6.0% 22-23
Solvency
35.9%
+22.0% 22-23
Debt / equity
1.78
-25.6% 22-23
ROE
44.0%
-24.1% 22-23
ROA
15.8%
-7.4% 22-23
Interest coverage
35.61
-25.0% 22-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue-
EBITDA€28k
Net profit€16k
Cash flow€26k
Staff costs€19k
Income taxes€4k
Dividends-
Total assets€101k
Equity€36k
Debt€65k
of which ≤ 1y€65k
of which > 1y-
Working capital€4k
Employees (FTE)0.5
Ratios (computed)
2023
Current ratio1.07
Quick ratio1.07
Working capital ratio4.4%
Solvency35.9%
Debt / equity1.78
Long-term debt ratio-
Interest coverage35.61
Gross margin-
Net margin-
ROA15.8%
ROE44.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€101k
Fixed assets 21/28€32k
Tangible fixed assets 22/27€32k
Current assets 29/58€69k
Amounts receivable within one year 40/41€64k
Cash & bank 54/58€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€101k
Equity 10/15€36k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€34k
Amounts payable 17/49€65k
Amounts payable within one year 42/48€65k
Trade debts payable within one year 44€35k
Income statement
Gross operating margin 9900€51k
Operating result 9901€18k
Financial income 75€3k
Financial charges 65€785
Result before taxes 9903€20k
Income taxes 67/77€4k
Net result for the period 9904€16k
Result to be appropriated 9905€16k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Gribi Amine
    Director
    State Gazette act 26013567 (28-01-2026)
    Current
    01-01-2026 → present
Former directors (1)
  • HASSUN Yassin
    Director
    State Gazette act 26013567 (28-01-2026)
    Former
    - → 31-12-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Sanitaire werkzaamheden(43221)
Legal form Private limited company(610)
Incorporation17-09-2020
StatusActive
Postal code1950
Establishment units 2 locations
Steenweg op Mechelen 455, 1950 Kraainem
Afvalwaterafvoer
since 20202.308.995.027
Débouchage Mertens Mons
Boulevard Sainctelette 39, 7000 MonsAndere reinigingsactiviteiten
since 20232.347.204.317
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Wallonia 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
22002C0073/00N009 Flanders 1.1 ha 1 · 865 m² 42.8 m · 14 fl.
53053D0025/00G054 Wallonia 1,618 m² 1 · 516 m² 24.9 m · 7 fl.
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.
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
28-01-2026
State Gazette act Capital & shares
v3.2
2024
30-09-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
28-09-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
19-01-2023
NBB filing Annual accounts filed
fiscal year 2021 · micro
2020
21-09-2020
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
Capital history · 1
28-01-2026
v3.2
All acts · 2 updated 6 months ago
2026
28-01-2026 Transaction in capital or shares Capital & shares
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "share_transfer",
      "amount": 100,
      "currency": "EUR",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "amount_type": "onbekend",
      "effective_date": "2025-12-31",
      "evidence_quote": "Overdracht van 100 aandelen van De heer HASSUN Yassin aan De heer Gribi Amine vanaf 31/12/2025.",
      "contribution_type": null
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0754.541.719",
    "name_full": "SERVICES MERTENS",
    "legal_form": "BV"
  }
}
2020
21-09-2020 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "1950 Kraainem, Steenweg op Mechelen 455 bus 1",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "2000-04-23",
        "name": "HASSUN Yassin",
        "niss": null,
        "address": "1000 Brussel, fonteinstraat 41"
      },
      "share_class": "Aandelen",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 250000,
      "holder_person_name": "HASSUN Yassin",
      "is_subscriber_only": true,
      "n_shares_subscribed": 100,
      "amount_subscribed_eur": 10000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 10000,
  "subject_company": {
    "kbo": "0754.541.719",
    "name_full": "SERVICES MERTENS",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2020-09-16",
  "post_incorporation_mandates": []
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Loodgieterswerk43221Sanitaire werkzaamheden43221Afvalwaterafvoer37000Afvalwaterafvoer37000
Primary activity highlighted.
Names & trade names
Legal nameNL SERVICES MERTENS
Registered office
Steenweg op Mechelen 455 bus 1
1950 Kraainem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative