SERVOSWINNING
ActiveSERVOSWINNING has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €-2k. Equity is growing by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 88% of 1300 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-14
Solvency100▲+20
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 3.65 against 1.66 in 2024; short-term debt: 24.1% and cash: 1.7% of total assets), and 24.1% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
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 · 10 filingsDeviation from the deadline
2025
13 d late
2024
43 d early
2023
42 d early
2022
24 d late
2021
31 d early
2020
18 d late
2019
32 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▼ 1.9%
2024 · €95k
2018: €17k
2019: €30k
2020: €69k
2021: €82k
2022: €85k
2023: €78k
2024: €95k
2018 → 2025
Total assets
€122k▼ 29.3%
2024 · €173k
2018: €79k
2019: €232k
2020: €246k
2021: €238k
2022: €192k
2023: €169k
2024: €173k
2018 → 2025
Net result
€-2k
2024 · €17k
2018: €3k
2019: €13k
2020: €39k
2021: €13k
2022: €2k
2023: €-7k
2024: €17k
2018 → 2025
Working capital
€78k▲ 84.8%
2024 · €42k
2018: €-8k
2019: €-114k
2020: €-5k
2021: €6k
2022: €5k
2023: €-3k
2024: €42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€85k▲ 2.9%€78k▼ 8.3%€95k▲ 21.9%€93k▼ 1.9%
Operating result€15k-€3k▼ 82.5%€-5k€24k€-802
Net result€13k-€2k▼ 81.7%€-7k€17k€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €802 after €24k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€15k▼ 77.7%
Current assets
€107k▲ 1.0%
Equity and liabilities €122k
Equity
€93k▼ 1.9%
Debt
€29k▼ 62.4%
The debt ratio falls from 45.2% to 24.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€23k▼
2024 · €53k
Cash flow
€22k▼
2024 · €46k
Solvency
75.9%▲
2024 · 54.8%
Current ratio
3.65▲
2024 · 1.66
Quick ratio
3.49▲
2024 · 1.64
Debt / equity
0.32▼
2024 · 0.83
ROE
-2.0%▼
2024 · 18.0%
ROA
-1.5%▼
2024 · 9.8%
Interest coverage
28.22▼
2024 · 30.54
Debt
€29k▼
2024 · €78k
Debt ≤ 1 year
€29k▼
2024 · €64k
Income taxes
€240▼
2024 · €5k
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€173k€122k▼
Fixed assets21/28€66k€15k▼
Tangible fixed assets22/27€66k€15k▼
Land and buildings22€3k€2k▼
Plant, machinery and equipment23€61k€12k▼
Furniture and vehicles24€3k€190▼
Financial fixed assets28€50€50=
Current assets29/58€106k€107k▲
Stocks and contracts in progress3€1k€5k▲
Stocks30/36€1k€3k▲
Contracts in progress37-€2k
Amounts receivable within one year40/41€55k€99k▲
Trade receivables40€33k€78k▲
Other amounts receivable41€22k€21k▼
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€46k€1k▼
Equity and liabilities
Total equity and liabilities10/49€173k€122k▼
Equity10/15€95k€93k▼
Contributions10/11€7k€7k=
Reserves13€65k€65k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€63k€63k=
Profit (loss) carried forward14€23k€21k▼
Amounts payable17/49€78k€29k▼
Amounts payable after more than one year17€14k-
Financial debts170/4€14k-
Amounts payable within one year42/48€64k€29k▼
Current portion of amounts payable after more than one year42€7k-
Trade debts44€16k€20k▲
Suppliers440/4€16k€20k▲
Taxes, remuneration and social security45€651€651=
Taxes450/3€651€651=
Other amounts payable47/48€40k€9k▼
Income statement
Code20242025
Non-recurring operating income76A€39k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€24k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k-
Other operating charges640/8€1k€801▼
Non-recurring operating charges66A€2k-
Gross operating margin9900€59k€24k▼
Operating profit (loss)9901€24k€-802▼
Financial income75/76B€8€17▲
Recurring financial income75€8€17▲
Financial charges65/66B€2k€818▼
Recurring financial charges65€2k€818▼
Profit (loss) for the period before taxes9903€22k€-2k▼
Income taxes67/77€5k€240▼
Profit (loss) for the period9904€17k€-2k▼
Profit (loss) for the period to be appropriated9905€17k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€21k▼
Profit (loss) brought forward from the previous period14P€23k€23k=
Transfer to equity691/2€17k-
To other reserves6921€17k-
The notes to these accounts (7 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 · micro schema · 13 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 3.65
Current ratio from 1.66 to 3.65; short-term debt falls from €64k to €29k.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-7k ▼400%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Highest result since 2018net €39k ▲205%
Operating result €43k, net result €39k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Riemst · 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.
Genendries 203770 RiemstGround area
761 m²
Parcel 73053B1137/00N000, Flanders. Linked by address, not a title deed.
1 establishment unit
Genendries 20, 3770 Riemst
since 20012.093.285.041
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73053B1137/00N000 | Flanders | 761 m² | - | - |
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
JOGADA
BE 0682.788.839
Bütgenbach · Eq €93k
LANG VEN
BE 0741.772.262
Turnhout · Eq €91k
LIMBOURG INVEST
BE 0863.233.781
Limbourg · Eq €91k
Frepe Invest
BE 0805.032.395
Büllingen · Eq €91k
DEFINESSE
BE 0788.654.837
Koekelare · Eq €91k
Of 3,000 companies in sector 55203 we hold annual accounts for 690. 523 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2000
Fiscal year end31-12
Activities, NACEBEL
55203Holiday cottages, homes and apartments
56101Full-service restaurants
56111Full-service restaurants
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.