SERVTEC
ActiveSummary
SERVTEC has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €17k. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 31% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-6
Solvency41▲+17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 0.99 in 2024; short-term debt: 19.5% and cash: 22.5% of total assets), but 83.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
16.4%
Return on assets
17.9%
Age of the figures
9 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
29 d early
2023
8 d early
2022
101 d early
2021
4 d early
2020
30 d late
2019
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k
2024 · €-1k
2018: €-174k
2019: €-154k
2020: €-177k
2021: €-135k
2022: €-102k
2023: €-29k
2024: €-1k
2018 → 2025
Total assets
€96k▼ 19.1%
2024 · €119k
2018: €50k
2019: €62k
2020: €20k
2021: €42k
2022: €65k
2023: €40k
2024: €119k
2018 → 2025
Net result
€17k▼ 36.9%
2024 · €27k
2018: €-5k
2019: €20k
2020: €-23k
2021: €42k
2022: €33k
2023: €73k
2024: €27k
2018 → 2025
Working capital
€10k
2024 · €-457
2018: €-174k
2019: €-16k
2020: €-35k
2021: €10k
2022: €47k
2023: €12k
2024: €-457
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-135k-€-102k▲ 24.3%€-29k▲ 71.8%€-1k▲ 94.9%€16k
Operating result€42k-€41k▼ 1.8%€99k▲ 143%€38k▼ 61.5%€24k▼ 36.3%
Net result€42k-€33k▼ 21.3%€73k▲ 124%€27k▼ 62.7%€17k▼ 36.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 36% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €96k
Fixed assets
€67k ▲ 14.4%
Current assets
€29k ▼ 51.9%
Equity and liabilities €96k
Equity
€16k
Debt
€81k
Debt finances 83.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€38k▼
2024 · €43k
Cash flow
€31k▼
2024 · €32k
Current ratio
1.54▲
2024 · 0.99
Debt to equity
5.09▲
2024 · -82.28
ROE
109.3%
ROA
17.9%▼
2024 · 23.0%
Interest coverage
533.51▼
2024 · 622.93
Debt ≤ 1 year
€19k▼
2024 · €61k
Debt > 1 year
€62k▲
2024 · €60k
Income taxes
€7k▼
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€119k€96k▼
Fixed assets21/28€59k€67k▲
Tangible fixed assets22/27€59k€67k▲
Plant, machinery and equipment23€2k€728▼
Furniture and vehicles24€13k€27k▲
Other tangible fixed assets26€45k€40k▼
Current assets29/58€60k€29k▼
Amounts receivable within one year40/41€12k€7k▼
Trade receivables40€10k€7k▼
Other amounts receivable41€2k-
Cash at bank and in hand54/58€48k€22k▼
Equity and liabilities
Total equity and liabilities10/49€119k€96k▼
Equity10/15€-1k€16k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-23k€-6k▲
Amounts payable17/49€121k€81k▼
Amounts payable after more than one year17€60k€62k▲
Other amounts payable178/9€60k€62k▲
Amounts payable within one year42/48€61k€19k▼
Trade debts44€48k€11k▼
Suppliers440/4€48k€11k▼
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€11k€8k▼
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€13k▲
Other operating charges640/8€840€2k▲
Gross operating margin9900€44k€39k▼
Operating profit (loss)9901€38k€24k▼
Financial charges65/66B€69€70▲
Recurring financial charges65€69€70▲
Profit (loss) for the period before taxes9903€38k€24k▼
Income taxes67/77€11k€7k▼
Profit (loss) for the period9904€27k€17k▼
Profit (loss) for the period to be appropriated9905€27k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€-6k▲
Profit (loss) brought forward from the previous period14P€-51k€-23k▲
The notes to these accounts (5 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €73k ▲124%
Operating result €99k, net result €73k, both a record.
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 4.27
Current ratio from 1.42 to 4.27; short-term debt falls from €24k to €14k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
31-12
Financial
Liquidity times 7current ratio 1.42
Current ratio from 0.19 to 1.42; short-term debt falls from €43k to €24k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
19-07
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Kontich · 1 establishment unit since 1996
Ground area
177 m²
Building footprint
80 m²
Volume, LiDAR
594 m³
Parcel 11602E0111/00B004, Flanders · tallest building 8.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SERVTEC BVBA
since 19962.076.007.460
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602E0111/00B004 | Flanders | 177 m² | 1 · 80 m² | 8.6 m · 3 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.
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,571. 1,550 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-1996
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.