Servicinq
ActiveThe computed 12-month bankruptcy probability of Servicinq is 2.2% (moderate). The 2025 annual accounts show equity of €38k and a net result of €6k. Its solvency ranks better than 67% of 1199 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-4
Solvency82▲+2
Growth52
Track record82
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.47 in 2024; short-term debt: 43.2% and cash: 35.8% of total assets), and 43.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
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
56.6%
Return on assets
9%
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 13-08-2026, 13 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 · 2 filingsDeviation from the deadline
2025
13 d late
2024
7 d early
← 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, abbreviated schema
Equity
€38k▲ 19.0%
2024 · €32k
2024: €32k
2024 → 2025
Total assets
€67k▲ 16.5%
2024 · €58k
2024: €58k
2024 → 2025
Net result
€6k▼ 13.5%
2024 · €7k
2024: €7k
2024 → 2025
Working capital
€4k▼ 67.6%
2024 · €12k
2024: €12k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€32k-€38k▲ 19.0%
Operating result€9k-€8k▼ 4.3%
Net result€7k-€6k▼ 13.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€34k▲ 71.1%
Current assets
€33k▼ 12.5%
Equity and liabilities €67k
Equity
€38k▲ 19.0%
Debt
€29k▲ 13.3%
The debt ratio falls from 44.6% to 43.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▲
2024 · €11k
Cash flow
€13k▲
2024 · €9k
Solvency
56.6%▲
2024 · 55.4%
Current ratio
1.13▼
2024 · 1.47
Quick ratio
1.13▼
2024 · 1.47
Debt / equity
0.77▼
2024 · 0.81
ROE
15.9%▼
2024 · 21.9%
ROA
9.0%▼
2024 · 12.1%
Interest coverage
17.98▼
2024 · 43.06
Debt
€29k▲
2024 · €26k
Debt ≤ 1 year
€29k▲
2024 · €26k
Income taxes
€1k▼
2024 · €1k
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€58k€67k▲
Fixed assets21/28€20k€34k▲
Tangible fixed assets22/27€20k€34k▲
Plant, machinery and equipment23€18k€27k▲
Furniture and vehicles24€2k€8k▲
Current assets29/58€38k€33k▼
Amounts receivable within one year40/41€5k€8k▲
Trade receivables40€5k€8k▲
Other amounts receivable41-€38
Cash at bank and in hand54/58€33k€24k▼
Deferred charges and accrued income490/1€367€1k▲
Equity and liabilities
Total equity and liabilities10/49€58k€67k▲
Equity10/15€32k€38k▲
Contributions10/11€25k€25k=
Reserves13€5k€10k▲
Distributable reserves133€5k€10k▲
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€26k€29k▲
Amounts payable within one year42/48€26k€29k▲
Financial debts43-€4k
Other loans439-€4k
Trade debts44€10k€8k▼
Suppliers440/4€10k€8k▼
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€3k▲
Other amounts payable47/48€14k€15k▲
Accrued charges and deferred income492/3€131€128▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€7k▲
Other operating charges640/8€158€398▲
Gross operating margin9900€11k€16k▲
Operating profit (loss)9901€9k€8k▼
Financial income75/76B€1€1▼
Recurring financial income75€1€1▼
Financial charges65/66B€258€859▲
Recurring financial charges65€258€859▲
Profit (loss) for the period before taxes9903€8k€7k▼
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€7k€6k▼
Profit (loss) for the period to be appropriated9905€7k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€8k▲
Profit (loss) brought forward from the previous period14P-€2k
Transfer to equity691/2€5k€5k=
To other reserves6921€5k€5k=
The notes to these accounts (5 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 13 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Herent · 1 establishment unit since 2023
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.
Tweebruggenstraat 673020 HerentGround area
607 m²
Building footprint
160 m²
Volume, LiDAR
510 m³
Parcel 24423G0001/00S000, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Servicinq
since 20232.353.514.265
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24423G0001/00S000 | Flanders | 607 m² | 1 · 160 m² | 6.9 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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BE 1007.608.284
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MUNDO
BE 0600.846.605
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DecoArt Design
BE 1008.077.151
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JVB Cleaning
BE 0780.538.511
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Of 7,010 companies in sector 81220 we hold annual accounts for 2,416. 1,968 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-11-2023
Fiscal year end31-12
Activities, NACEBEL
81220Other building cleaning and industrial cleaning
43350Other building finishing work
49410Freight transport by road
49420Removal services
81210General cleaning of buildings
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.