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Complete company report
Generated 23-07-2026
Active BE 0760.515.929Private limited company

SERVILEX

Dorpsstraat 124 ·3900 Pelt, Belgium· 5 yrs active
Sector: Lawyers (69101)
Conclusion Checked

The computed 12-month bankruptcy probability of SERVILEX is 0.2% (very low). The 2025 annual accounts show equity of €2.41M and a net result of €432k. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 200 sector peers (fiscal year 2025). 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 5 annual accounts.
Key figures
Equity €2.41M
Net result €432k
Staff (FTE) 2.8
Better than sector 80%
Snowflake analysis 5 axes · computed by Checked
Health88Profitability90Solvency84Growth52Stability94
82 / 100

Exceptional profile, strong across almost every axis.

Health 88
Profitability 90
Solvency 84
Growth 52
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy 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 3 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.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2025 · computed
88 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview5 NBB filings
Annual accounts filed on 08-04-2026 with the NBB · fiscal year 2025 · verkort
€0€250k€500k€750kOperating result 2021: €873k€873kNet result 2021: €591k€591kOperating result 2022: €746k€746kNet result 2022: €503k€503kOperating result 2023: €630k€630kNet result 2023: €427k€427kOperating result 2024: €630k€630kNet result 2024: €435k€435kOperating result 2025: €622k€622kNet result 2025: €432k€432k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~28.2%/year over 5 fiscal years, indicative, assuming unchanged policy.
€0€1.00M€2.00M€3.00M€4.00M2026: €2.84M (€2.65M - €3.04M)2027: €3.28M (€3.08M - €3.47M)2028: €3.71M (€3.52M - €3.90M)2021: €609k2022: €1.11M2023: €1.54M2024: €1.97M2025: €2.41M20212022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 69, Legal & accounting · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 72.5% 23.6%
better than 80% of 200 sector peers
Net result €432k €169k
better than 74% of 200 sector peers
Equity €2.41M €195k
better than 95% of 200 sector peers
Gross operating margin €1.00M €590k
better than 71% of 200 sector peers
Staff costs €117k €395k
higher than 21% of 120 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€885k
+3.0% far above sector median
Net profit
€432k
-0.6% far above sector median
Cash flow
€695k
+4.7% far above sector median
Total assets
€3.32M
+18.5% far above sector median
Equity
€2.41M
+21.9% far above sector median
Working capital
€235k
+27.7% +69% vs sector
Employees (FTE)
3
0.0% +167% vs sector
Staff costs
€117k
+10.9% far above sector median
Income taxes
€203k
-0.7% far above sector median
Debt
€915k
+10.4% far above sector median
Debt ≤ 1y
€909k
+10.7% far above sector median
Debt > 1y
€400k
-48.4% far above sector median
Current ratio
1.26
+2.8% -76% vs sector
Quick ratio
1.26
+2.8% -76% vs sector
Solvency
72.5%
+2.9% -12% vs sector
Debt / equity
0.38
-9.4% +81% vs sector
ROE
18.0%
-18.5% +21% vs sector
ROA
13.0%
-16.2% +18% vs sector
Interest coverage
123.58
-4.6% +124% vs sector
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA€885k
Net profit€432k
Cash flow€695k
Staff costs€117k
Income taxes€203k
Dividends-
Total assets€3.32M
Equity€2.41M
Debt€915k
of which ≤ 1y€909k
of which > 1y-
Working capital€235k
Employees (FTE)2.8
Ratios (computed)
2025
Current ratio1.26
Quick ratio1.26
Working capital ratio7.1%
Solvency72.5%
Debt / equity0.38
Long-term debt ratio-
Interest coverage123.58
Gross margin-
Net margin-
ROA13.0%
ROE18.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€3.32M
Fixed assets 21/28€2.18M
Intangible fixed assets 21€2.05M
Tangible fixed assets 22/27€126k
Current assets 29/58€1.14M
Amounts receivable within one year 40/41€304k
Investments 50/53€430k
Cash & bank 54/58€378k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3.32M
Equity 10/15€2.41M
Contributions / capital 10/11€18k
Reserves 13€2.39M
Amounts payable 17/49€915k
Amounts payable within one year 42/48€909k
Trade debts payable within one year 44€229k
Income statement
Gross operating margin 9900€1.00M
Operating result 9901€622k
Financial income 75€20k
Financial charges 65€7k
Result before taxes 9903€635k
Income taxes 67/77€203k
Net result for the period 9904€432k
Result to be appropriated 9905€432k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Lawyers(69101)
Legal form Private limited company(610)
Incorporation24-12-2020
StatusActive
Postal code3900
Establishment units 1 location
SERVILEX
Dorpsstraat 124, 3900 PeltActiviteiten van advocaten
since 20202.311.187.425
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 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72029A0837/00B002 Flanders 947 m² 1 · 174 m² 11.3 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 6 events

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

2026
08-04-2026
NBB filing Annual accounts filed
fiscal year 2025 · verkort
2025
05-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
08-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
01-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
01-02-2023
State Gazette act Director changes
2022
16-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 3 years ago
2023
01-02-2023 3 directors appointed Director changes
  • Emineau BV, Bestuurder
  • Immo MGJ BV, Bestuurder
  • Advocatenkantoor Frank Goossens BV, Bestuurder
Technical details 
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    {
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      "role": "bestuurder",
      "person": null,
      "reason": null,
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      "via_org": {
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        "name": "Emineau BV",
        "address": null,
        "country": null,
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      },
      "statutory": null,
      "compensated": false,
      "effective_date": "2023-01-01",
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
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      "rep_rotation_new_rep": null,
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        "name": "Immo MGJ BV",
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      },
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      "via_org": {
        "kbo": "0716.797.831",
        "name": "Advocatenkantoor Frank Goossens BV",
        "address": "Schoolstraat 37 te 3680 Maaseik",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
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      "decharge_status": null,
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      "rep_rotation_new_rep": null,
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    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2022-12-30",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "bijzondere_algemene_vergadering",
      "date": "2022-12-30",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0760.515.929",
    "name_full": "Servilex",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
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    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

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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Company registry (CBE) Crossroads Bank
Activities
Activiteiten van advocaten69101Activiteiten van advocaten69101Organisatie van congressen en beurzen82300Organisatie van congressen en beurzen82300
Primary activity highlighted.
Names & trade names
Legal nameNL SERVILEX
Registered office
Dorpsstraat 124
3900 Pelt, 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