SERVICES TO-GO
ActiveSERVICES TO-GO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €464. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 65% of 4527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-11
Solvency80▼-5
Growth67▲+5
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 1.5 in 2024; short-term debt: 41.3% and cash: 25.3% of total assets), and 45.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
54.5%
Return on assets
1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 9 filingsDeviation from the deadline
2025
17 d late
2024
9 d early
2023
41 d early
2022
52 d late
2021
151 d late
2020
61 d late
2019
147 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€39k▲ 39.1%
2024 · €28k
2018: €29k
2019: €20k
2020: €7k
2021: €38k
2022: €20k
2023: €19k
2024: €28k
2018 → 2025
EBIT margin
3.9%▼ 11.9pp
2024 · 15.9%
2018: -31.1%
2019: 2.6%
2020: 1.3%
2021: 11.3%
2022: 15.9%
2023: 20.8%
2024: 15.9%
2018 → 2025
Net result
€464▼ 82.3%
2024 · €3k
2018: €-9k
2019: €500
2020: €41
2021: €3k
2022: €2k
2023: €3k
2024: €3k
2018 → 2025
Working capital
€12k▲ 59.9%
2024 · €8k
2018: €7k
2019: €12k
2020: €13k
2021: €14k
2022: €17k
2023: €24k
2024: €8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€38k-€20k▼ 47.5%€19k▼ 7.6%€28k▲ 50.6%€39k▲ 39.1%
Equity€17k-€20k▲ 14.4%€23k▲ 15.7%€25k▲ 11.5%€26k▲ 1.5%
Operating result€4k-€3k▼ 26.3%€4k▲ 20.8%€4k▲ 15.2%€2k▼ 65.5%
Net result€3k-€2k▼ 22.5%€3k▲ 24.7%€3k▼ 15.6%€464▼ 82.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47k
Fixed assets
€16k▼ 21.2%
Current assets
€32k▲ 39.1%
Equity and liabilities €47k
Equity
€26k▲ 1.5%
Debt
€22k▲ 25.3%
The debt ratio rises from 40.3% to 45.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€6k▼
2024 · €7k
Cash flow
€5k▼
2024 · €5k
Solvency
54.5%▼
2024 · 59.7%
Current ratio
1.63▲
2024 · 1.50
Quick ratio
1.63▲
2024 · 1.50
Debt / equity
0.83▲
2024 · 0.68
ROE
1.8%▼
2024 · 10.3%
ROA
1.0%▼
2024 · 6.1%
Interest coverage
169.84▲
2024 · 152.48
Debt
€22k▲
2024 · €17k
Debt ≤ 1 year
€20k▲
2024 · €15k
Debt > 1 year
€2k=
2024 · €2k
Income taxes
€1k▼
2024 · €2k
Staff costs
€18k
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€43k€47k▲
Fixed assets21/28€20k€16k▼
Tangible fixed assets22/27€20k€16k▼
Furniture and vehicles24€20k€16k▼
Current assets29/58€23k€32k▲
Amounts receivable within one year40/41€20k€20k▼
Trade receivables40€18k€17k▼
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€3k€12k▲
Equity and liabilities
Total equity and liabilities10/49€43k€47k▲
Equity10/15€25k€26k▲
Contributions10/11€13k€13k=
Reserves13€618€618=
Non-distributable reserves130/1€618€618=
Reserves not available under the articles1311€618€618=
Profit (loss) carried forward14€12k€12k▲
Amounts payable17/49€17k€22k▲
Amounts payable after more than one year17€2k€2k=
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€15k€20k▲
Trade debts44€14k€14k▼
Suppliers440/4€14k€14k▼
Taxes, remuneration and social security45€895€5k▲
Taxes450/3€895€571▼
Remuneration and social security454/9-€5k
Income statement
Code20242025
Turnover70€28k€39k▲
Goods, raw materials, services and sundry goods60/61€21k€14k▼
Remuneration, social security and pensions62-€18k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€488€525▲
Non-recurring operating charges66A-€53
Gross operating margin9900€7k€24k▲
Operating profit (loss)9901€4k€2k▼
Financial income75/76B€10-
Recurring financial income75€10-
Non-recurring financial income76B€10-
Financial charges65/66B€55€34▼
Recurring financial charges65€45€34▼
Non-recurring financial charges66B€10-
Profit (loss) for the period before taxes9903€4k€1k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€3k€464▼
Profit (loss) for the period to be appropriated9905€3k€464▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€12k▲
Profit (loss) brought forward from the previous period14P€9k€12k▲
The notes to these accounts (4 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 13.54
Current ratio from 3.40 to 13.54; short-term debt falls from €7k to €2k.
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 52 days late
2022
29-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 151 days late
2021
31-12
Financial
Highest result since 2018net €3k ▲7718%
Net result €3k, the highest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
25-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 147 days late
2019
31-12
Financial
Back to profitnet €500
Net result €500 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 4.85
Current ratio from 2.41 to 4.85; short-term debt falls from €5k to €3k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 50 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Asse · 1 establishment unit since 2016
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.
Nerviërsstraat 491730 AsseGround area
419 m²
Building footprint
71 m²
Volume, LiDAR
578 m³
Parcel 23002F0905/00D016, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SERVICES TO-GO
since 20162.255.143.892
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23002F0905/00D016 | Flanders | 419 m² | 1 · 71 m² | 10.1 m · 3 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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Of 6,689 companies in sector 49330 we hold annual accounts for 2,288. 1,984 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-04-2016
Fiscal year end31-12
Activities, NACEBEL
49320Taxi operation
49330On-demand passenger transport by chauffeured vehicle
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95313Repair and fitting of specific motor vehicle parts
49310Scheduled passenger transport by road
52210Service activities incidental to land transportation
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.