ServiNam
ActiveServiNam has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €77k and a net result of €14k. Equity is growing by ~25.5% per year across the filed fiscal years. Its solvency ranks better than 75% of 576 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
95
/ 100
Excellent▼ -5 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability67▼-1
Solvency98▲+2
Growth85=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 3.82 against 2.8 in 2023), and 40% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
74 d late
2022
3 d early
2021
31 d late
2020
30 d late
2019
140 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€186k▼ 27.5%
2023 · €256k
2020: €16k
2021: €99k
2022: €223k
2023: €256k
2020 → 2024
EBIT margin
7.9%▲ 0.2pp
2023 · 7.7%
2020: 83.5%
2021: 38.6%
2022: -8.0%
2023: 7.7%
2020 → 2024
Net result
€14k▼ 26.3%
2023 · €20k
2019: €-10k
2020: €13k
2021: €38k
2022: €-18k
2023: €20k
2019 → 2024
Working capital
€74k▲ 26.0%
2023 · €59k
2019: €-15k
2020: €-2k
2021: €61k
2022: €39k
2023: €59k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€16k-€99k▲ 537%€223k▲ 126%€256k▲ 15.1%€186k▼ 27.5%
Equity€23k-€61k▲ 167%€43k▼ 29.5%€63k▲ 45.7%€77k▲ 23.1%
Operating result€13k-€38k▲ 195%€-18k€20k€15k▼ 25.9%
Net result€13k-€38k▲ 196%€-18k€20k€14k▼ 26.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 26% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €129k
Fixed assets
€28k▼ 3.1%
Current assets
€101k▲ 9.8%
Equity and liabilities €129k
Equity
€77k▲ 23.1%
Debt
€51k▼ 11.1%
The debt ratio falls from 48.0% to 40.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€16k▼
2023 · €21k
Cash flow
€15k▼
2023 · €21k
Solvency
60.0%▲
2023 · 52.0%
Current ratio
3.82▲
2023 · 2.80
Quick ratio
3.82▲
2023 · 2.80
Debt / equity
0.67▼
2023 · 0.92
ROE
18.8%▼
2023 · 31.4%
ROA
11.3%▼
2023 · 16.3%
Interest coverage
104.08▼
2023 · 179.88
Debt
€51k▼
2023 · €58k
Debt ≤ 1 year
€26k▼
2023 · €33k
Debt > 1 year
€25k=
2023 · €25k
Staff costs
€209k▼
2023 · €267k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€120k€129k▲
Fixed assets21/28€28k€28k▼
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€3k€3k▼
Financial fixed assets28€25k€25k=
Current assets29/58€92k€101k▲
Amounts receivable within one year40/41€63k€16k▼
Trade receivables40€63k€16k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€28k€84k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€120k€129k▲
Equity10/15€63k€77k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€43k€57k▲
Amounts payable17/49€58k€51k▼
Amounts payable after more than one year17€25k€25k=
Financial debts170/4€25k€25k=
Amounts payable within one year42/48€33k€26k▼
Trade debts44€6k€4k▼
Suppliers440/4€6k€2k▼
Bills of exchange payable441€75€1k▲
Taxes, remuneration and social security45€27k€23k▼
Taxes450/3€0€143▲
Remuneration and social security454/9€27k€23k▼
Income statement
Code20232024
Turnover70€256k€186k▼
Goods, raw materials, services and sundry goods60/61€35k€29k▼
Remuneration, social security and pensions62€267k€209k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€897€897=
Other operating charges640/8€449€541▲
Gross operating margin9900€288k€225k▼
Operating profit (loss)9901€20k€15k▼
Financial income75/76B€15-
Recurring financial income75€15-
Financial charges65/66B€115€149▲
Recurring financial charges65€115€149▲
Profit (loss) for the period before taxes9903€20k€14k▼
Profit (loss) for the period9904€20k€14k▼
Profit (loss) for the period to be appropriated9905€20k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€57k▲
Profit (loss) brought forward from the previous period14P€23k€43k▲
Social balance
Average headcount (FTE)90879.48.0▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
13-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 74 days late
2023
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-18k ▼147%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Highest result since 2019net €38k ▲196%
Operating result €38k, net result €38k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.69
Current ratio from 0.96 to 2.69; short-term debt falls from €54k to €36k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 140 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
BOCCA André
CurrentChair · since 21-12-2023
CHARUE Anne
CurrentManaging director · since 21-12-2023
21-12-2023
BOCCA André: Appointed as Chair
21-12-2023
CHARUE Anne: Appointed as Managing director
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2019
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.
Rue des Bourgeois 145000 NamurGround area
269 m²
Building footprint
74 m²
Volume, LiDAR
826 m³
Parcel 92094C0374/00S000, Wallonia · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ServiNam
since 20192.289.416.962
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92094C0374/00S000 | Wallonia | 269 m² | 1 · 74 m² | 13.0 m · 4 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.
Similar companies · same sector, comparable size
DIENSTENCHEQUES BEA
BE 0808.139.563
Heusden-Zolder · Eq €77k
DARISA - AIDE MENAGERE
BE 0849.798.588
Brussel · Eq €78k
POETS PUNT ANZEGEM
BE 0875.685.217
Anzegem · Eq €76k
Maxiteam
BE 0838.727.227
Etterbeek · Eq €78k
I.L. & C.-TITRES SERVICES-AGENCE DE BRUXELLES
BE 0880.149.690
Tubize · Eq €76k
Of 797 companies in sector 96910 we hold annual accounts for 609. 474 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded09-01-2019
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.