SERVING

Active

Public limited companyfounded 199135 years activeMiddeldiep 22, 8301 Knokke-Heist, BelgiumKBO/BCE: BE 0443.494.193

Summary

SERVING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €56,890 and a net result of €10,278. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

SERVINGActiveChecked score 52/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€937,976total assets 2025

Equity: €56,890
Profit: €10,278

Turnover not published (abridged schema)

Financial health

52 Fair Checked score 2025

Probability: sector outside the model

Structure

Accounts filed 31 days late0 of 5 deeds read

Why 52+ Growing equityA punctual record breaksShow the evidence

Checked score

Score 2025

52 / 100

Fair▼ -4 vs 2024

Without a bankruptcy probability: score from the figures alone

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 31-2

equity 6.1% of total assets

Liquidity 55+4

short-term debt 3.8% · cash 4.1%

Profitability 70-2

return on assets 1.1%

Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

Credit up to €2,500 at 30 days acceptable

Liquidity ample (current ratio 17.4 against 31.16 in 2024; short-term debt: 3.8% and cash: 4.1% of total assets), but 93.9% of the assets are financed with debt.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Two signals.

−lowers risk○neutral

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year €56,890

A punctual record breaks

This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 10 filings

Deviation from the deadline

2025

31 days late

2024

71 days early

2023

8 days early

2022

39 days early

2021

16 days early

2020

12 days early

2019

45 days late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 10 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)

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. Usually files around 15 July (4 of the last 5 filed years within 47 days of that day).

Companies Code · seven months

Position in the running window

07-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

Checked from 2021 on.

KBO publications · our coverage