SERVITUDE
ActiveSERVITUDE 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 €781k and a net result of €83k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 29% of 5495 sector peers (fiscal year 2025). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
62 d late
2023
1 d early
2022
on the day
2021
31 d late
2020
31 d late
2019
20 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€781k▲ 20.9%
2024 · €646k
2018: €510k
2019: €513k
2020: €519k
2021: €538k
2022: €567k
2023: €599k
2024: €646k
2018 → 2025
Net result
€83k▲ 71.1%
2024 · €49k
2018: €966
2019: €4k
2020: €8k
2021: €21k
2022: €31k
2023: €34k
2024: €49k
2018 → 2025
Total assets
€2.70M▲ 1.4%
2024 · €2.66M
2018: €1.31M
2019: €1.36M
2020: €1.43M
2021: €1.76M
2022: €1.81M
2023: €1.87M
2024: €2.66M
2018 → 2025
Solvency
29.0%▲ 4.7pp
2024 · 24.3%
2018: 38.9%
2019: 37.8%
2020: 36.4%
2021: 30.6%
2022: 31.3%
2023: 32.1%
2024: 24.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€538k-€567k▲ 5.5%€599k▲ 5.6%€646k▲ 7.8%€781k▲ 20.9%
Operating result€67k-€5k▼ 92.2%€89k▲ 1,597%€129k▲ 45.5%€182k▲ 40.8%
Net result€21k-€31k▲ 48.4%€34k▲ 8.4%€49k▲ 44.8%€83k▲ 71.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 41% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.70M
Fixed assets
€2.60M▲ 0.2%
Current assets
€92k▲ 56.1%
Equity and liabilities €2.70M
Equity
€781k▲ 20.9%
Debt
€1.92M▼ 4.8%
The debt ratio falls from 75.7% to 71.0%: equity grows while debt is paid down.
Key figures and ratios
Solvency
29.0%▲
2024 · 24.3%
ROE
10.6%▲
2024 · 7.5%
ROA
3.1%▲
2024 · 1.8%
Debt
€1.92M▼
2024 · €2.01M
Debt ≤ 1 year
€1.14M▲
2024 · €1.12M
Debt > 1 year
€766k▼
2024 · €879k
Income taxes
€46k▲
2024 · €32k
Staff costs
€2k
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€2.66M€2.70M▲
Fixed assets21/28€2.60M€2.60M▲
Tangible fixed assets22/27€1.46M€1.47M▲
Land and buildings22€1.45M€1.45M▼
Plant, machinery and equipment23€161€0▼
Furniture and vehicles24€14k€24k▲
Financial fixed assets28€1.14M€1.14M=
Current assets29/58€59k€92k▲
Amounts receivable within one year40/41€31k€81k▲
Trade receivables40€7k€56k▲
Other amounts receivable41€23k€24k▲
Cash at bank and in hand54/58€22k€8k▼
Deferred charges and accrued income490/1€7k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.66M€2.70M▲
Equity10/15€646k€781k▲
Contributions10/11€19k€19k=
Reserves13€627k€709k▲
Distributable reserves133€627k€709k▲
Profit (loss) carried forward14€0€0=
Investment grants15-€53k
Amounts payable17/49€2.01M€1.92M▼
Amounts payable after more than one year17€879k€766k▼
Financial debts170/4€879k€766k▼
Amounts payable within one year42/48€1.12M€1.14M▲
Current portion of amounts payable after more than one year42€111k€118k▲
Financial debts43€160k€185k▲
Credit institutions430/8€160k€185k▲
Trade debts44€118k€85k▼
Suppliers440/4€118k€85k▼
Taxes, remuneration and social security45€44k€51k▲
Taxes450/3€44k€51k▲
Remuneration and social security454/9-€147
Other amounts payable47/48€692k€701k▲
Accrued charges and deferred income492/3€8k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€64k▲
Other operating charges640/8€15k€14k▼
Gross operating margin9900€194k€261k▲
Operating profit (loss)9901€129k€182k▲
Financial income75/76B€0€5k▲
Recurring financial income75€0€5k▲
Financial charges65/66B€48k€57k▲
Recurring financial charges65€48k€57k▲
Profit (loss) for the period before taxes9903€81k€130k▲
Income taxes67/77€32k€46k▲
Profit (loss) for the period9904€49k€83k▲
Profit (loss) for the period to be appropriated9905€49k€83k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€83k▲
Transfer to equity691/2€47k€81k▲
To other reserves6921€47k€81k▲
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
The notes to these accounts (15 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
24-03
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director discharge13 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director discharge13 facts ▸
- General meeting, 10/03/2026
- Director resignation, Jasmien Vanvooren (niet-statutaire bestuurder)
- Director discharge, Jasmien Vanvooren
- Director appointment, CommV Lizali (niet-statutaire bestuurder)
- Permanent representative, Jasmien Vanvooren
- Director resignation, Niels Vanvooren (niet-statutaire bestuurder)
- Director discharge, Niels Vanvooren
- Director appointment, CommV Niva Consulting (niet-statutaire bestuurder)
- Permanent representative, Niels Vanvooren
- Mandate compensation, CommV Lizali
- Mandate compensation, CommV Niva Consulting
- Mandate term, onbepaalde duur
- +1 further facts in this act
2025
31-12
Financial
Highest result since 2018net €83k ▲71.1%
Operating result €182k, net result €83k, both a record.
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 62 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
11-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 directors, no change since 2026
CommV Lizali
CurrentNon-statutory director · since 03-02-2026 · Legal entity · perm. rep.: Jasmien Vanvooren
CommV Niva Consulting
CurrentNon-statutory director · since 06-01-2026 · Legal entity · perm. rep.: Niels Vanvooren
03-02-2026
CommV Lizali: Appointed as Non-statutory director
03-02-2026
Jasmien Vanvooren: Resigned as Non-statutory director
06-01-2026
CommV Niva Consulting: Appointed as Non-statutory director
06-01-2026
Niels Vanvooren: Resigned as Non-statutory director
Location & real-estate footprint
Registered office, Lokeren · 1 establishment unit since 2001
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.
Brandstraat 89160 LokerenGround area
9,588 m²
Building footprint
3,642 m²
Volume, LiDAR
24,519 m³
2 parcels, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Brandstraat 8A, 9160 Lokeren
since 20012.067.001.308
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46382B1195/00N000 | Flanders | 7,602 m² | 1 · 1,934 m² | 10.0 m · 2 fl. |
| 46382B1195/00W000 | Flanders | 1,986 m² | 1 · 1,708 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 5 entries · 64,413 EUR awarded · 61,727 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 2,814 EUR | 59,964 EUR |
| 2024 | 1 | 1,500 EUR | 1,500 EUR |
| 2023 | 2 | 60,099 EUR | 263 EUR |
Schemes
Erfgoedpremie voor beschermde monumenten en landschappen - standaardprocedure
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,149 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-1992
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74142
68201Renting and operating of own or leased residential real estate, excluding social housing
68321Property management for co-owned buildings (syndics)
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.