Summary
Sur. 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 €285,337 and a net result of €197,875. Equity is growing by about 51% per year across the filed financial years. Its solvency ranks better than 28% of 1,801 sector peers (NACE 66, financial year 2025). The company has been active since 1987 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, abbreviated format
In the rankings
#4 oldest company in Zwevegem, Finance and insurance sector
Equity
€285,337▲ 6.7%
2024 · €267,462
Net result
€197,875▲ 30.7%
2024 · €151,354
Total assets
€1.5m▼ 13.1%
2024 · €1.8m
Solvency
18.4%▲ 3.4pp
2024 · 15.0%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has risen four years in a row; 2025 is 32% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€0.3m
2025
Net result€0.2m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€1.5m
2025
Equity€0.3m
2025
Debt€1.3m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€0.5m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)12.8%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency18.4%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.62
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)6.7
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€0.3m-€0.3m▼ 22.2%€0.2m▼ 15.9%€0.06m▼ 71.5%€0.07m▲ 19.9%€0.2m▲ 126%€0.2m▲ 31.3%€0.3m▲ 31.8%
Net result€0.2m-€0.2m▼ 22.7%€0.2mwithin the sector's middle half▼ 11.4%€0.04mwithin the sector's middle half▼ 72.7%€0.05mwithin the sector's middle half▲ 18.5%€0.1mwithin the sector's middle half▲ 97.8%€0.2mwithin the sector's middle half▲ 50.4%€0.2mwithin the sector's middle half▲ 30.7%
Equity€0.02m-€0.02m▲ 10.3%€0.02mbelow the sector's middle half▼ 11.6%€0.06mbelow the sector's middle half▲ 198%€0.1mwithin the sector's middle half▲ 78.7%€0.1mwithin the sector's middle half▲ 0.5%€0.3mwithin the sector's middle half▲ 130%€0.3mwithin the sector's middle half▲ 6.7%
Total assets€0.7m-€0.8m▲ 21.8%€0.7mwithin the sector's middle half▼ 14.3%€0.7mwithin the sector's middle half▲ 3.2%€0.8mwithin the sector's middle half▲ 13.4%€2.3mabove the sector's middle half▲ 182%€1.8mwithin the sector's middle half▼ 21.1%€1.5mwithin the sector's middle half▼ 13.1%
Debt€0.6m-€0.8m▲ 22.2%€0.7m▼ 14.4%€0.6m▼ 3.2%€0.7m▲ 6.8%€2.1m▲ 213%€1.5m▼ 29.3%€1.3m▼ 16.6%
Working capital-€0.2m--€0.1m▲ 7.2%-€0.1mbelow the sector's middle half▲ 16.2%-€0.06mbelow the sector's middle half▲ 48.5%-€0.006mwithin the sector's middle half▲ 90.5%-€0.3mbelow the sector's middle half▼ 4,895%-€0.2mbelow the sector's middle half▲ 28.0%-€0.5mbelow the sector's middle half▼ 120%
Solvency3.4%-3.1%▼ 0.3pp3.2%below the sector's middle half▲ 0.1pp9.2%below the sector's middle half▲ 6.0pp14.5%below the sector's middle half▲ 5.3pp5.1%below the sector's middle half▼ 9.3pp15.0%below the sector's middle half▲ 9.9pp18.4%within the sector's middle half▲ 3.4pp
Current ratio0.75-0.81▲ 0.060.81below the sector's middle half=0.90below the sector's middle half▲ 0.090.99within the sector's middle half▲ 0.090.82below the sector's middle half▼ 0.170.81below the sector's middle half▼ 0.010.62below the sector's middle half▼ 0.19
Return on assets (ROA)35.1%-22.2%▼ 12.8pp23.0%above the sector's middle half▲ 0.8pp6.1%within the sector's middle half▼ 16.9pp6.4%within the sector's middle half▲ 0.3pp4.5%within the sector's middle half▼ 1.9pp8.5%within the sector's middle half▲ 4.0pp12.8%within the sector's middle half▲ 4.3pp
Staff (FTE)1.3-1.5▲ 15.4%2within the sector's middle half▲ 33.3%2within the sector's middle half=2.6within the sector's middle half▲ 30.0%6.3within the sector's middle half▲ 142%6.8above the sector's middle half▲ 7.9%6.7within the sector's middle half▼ 1.5%
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets
€762,976 ▼ 9.7%
Current assets
€784,959 ▼ 16.1%
Equity and liabilities €1.5m
Equity
€285,337 ▲ 6.7%
Debt
€1.3m ▼ 16.6%
Debt's share of the balance-sheet total falls from 85.0% to 81.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
69.3%▲
2024 · 56.6%
Debt ≤ 1 year
€1.3m▲
2024 · €1.2m
Income taxes
€79,619▲
2024 · €54,118
Staff costs
€459,306▲
2024 · €401,676
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €424 | - | - | €6,349 | - | - |
| Remuneration, social security and pensions62 | - | - | - | €107,938 | €136,613 | €357,650 | €401,676 | €459,306 | ▲ 14.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €41,284 | €37,778 | €38,415 | €34,856 | €39,269 | €130,679 | €115,203 | €121,678 | ▲ 5.6% |
| Other operating charges640/8 | - | - | - | €1,259 | €610 | €901 | €1,321 | €983 | ▼ 25.6% |
| Non-recurring operating charges66A | - | - | - | €3,099 | - | - | €43,883 | - | - |
| Gross operating margin9900 | €429,326 | €358,549 | €352,422 | €208,329 | €249,868 | €654,736 | €779,370 | €868,457 | ▲ 11.4% |
| Operating profit (loss)9901 | €328,418 | €255,600 | €215,001 | €61,177 | €73,376 | €165,507 | €217,286 | €286,490 | ▲ 31.8% |
| Financial income75/76B | - | - | - | - | - | €2,127 | €11,565 | €5,180 | ▼ 55.2% |
| Recurring financial income75 | - | - | €159 | - | - | €2,127 | €11,565 | €5,180 | ▼ 55.2% |
| Financial charges65/66B | - | - | - | €333 | €2,939 | €26,998 | €23,380 | €14,175 | ▼ 39.4% |
| Recurring financial charges65 | €1,192 | €1,236 | €245 | €333 | €2,939 | €26,998 | €23,380 | €14,175 | ▼ 39.4% |
| Profit (loss) for the period before taxes9903 | €327,226 | €254,364 | €214,915 | €60,844 | €70,437 | €140,636 | €205,471 | €277,494 | ▲ 35.1% |
| Income taxes67/77 | €97,770 | €77,065 | €57,755 | €17,923 | €19,575 | €40,012 | €54,118 | €79,619 | ▲ 47.1% |
| Profit (loss) for the period9904 | €229,456 | €177,299 | €157,161 | €42,920 | €50,863 | €100,625 | €151,354 | €197,875 | ▲ 30.7% |
| Profit (loss) for the period to be appropriated9905 | €229,456 | €177,299 | €157,161 | €42,920 | €50,863 | €100,625 | €151,354 | €197,875 | ▲ 30.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €0.7m | €0.8m | €0.7m | €0.7m | €0.8m | €2.3m | €1.8m | €1.5m | ▼ 13.1% |
| Fixed assets21/28 | €0.2m | €0.2m | €0.1m | €0.1m | €0.1m | €0.9m | €0.8m | €0.8m | ▼ 9.7% |
| Intangible fixed assets21 | - | - | - | - | €0.02m | €0.8m | €0.7m | €0.6m | ▼ 12.8% |
| Tangible fixed assets22/27 | €0.2m | €0.2m | €0.1m | €0.1m | €0.1m | €0.08m | €0.1m | €0.1m | ▲ 10.3% |
| Land and buildings22 | - | - | - | €0.07m | €0.06m | €0.04m | - | - | - |
| Plant, machinery and equipment23 | - | - | - | €0.02m | €0.02m | €0.01m | €0.02m | €0.02m | ▼ 18.5% |
| Furniture and vehicles24 | - | - | - | €0.04m | €0.03m | €0.02m | €0.005m | €0.03m | ▲ 528% |
| Other tangible fixed assets26 | - | - | - | - | - | - | €0.09m | €0.08m | ▼ 10.6% |
| Financial fixed assets28 | €0.009m | €0.005m | €0.005m | €0.001m | €0.001m | €0.01m | €0.01m | €0.009m | ▼ 6.3% |
| Current assets29/58 | €0.5m | €0.6m | €0.5m | €0.6m | €0.7m | €1.4m | €0.9m | €0.8m | ▼ 16.1% |
| Amounts receivable within one year40/41 | €0.3m | €0.4m | €0.3m | €0.1m | €0.2m | €0.5m | €0.7m | €0.06m | ▼ 91.8% |
| Trade receivables40 | - | - | - | €0.1m | €0.2m | €0.3m | €0.2m | €0.04m | ▼ 76.3% |
| Other amounts receivable41 | - | - | - | €0.01m | €0.01m | €0.2m | €0.5m | €0.01m | ▼ 97.6% |
| Cash at bank and in hand54/58 | €0.1m | €0.2m | €0.3m | €0.4m | €0.5m | €0.9m | €0.2m | €0.7m | ▲ 203% |
| Deferred charges and accrued income490/1 | - | - | - | €0.002m | €0.004m | €0.003m | €0.001m | €0.003m | ▲ 108% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €0.7m | €0.8m | €0.7m | €0.7m | €0.8m | €2.3m | €1.8m | €1.5m | ▼ 13.1% |
| Equity10/15 | €0.02m | €0.02m | €0.02m | €0.06m | €0.1m | €0.1m | €0.3m | €0.3m | ▲ 6.7% |
| Contributions10/11 | €0.02m | €0.02m | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Reserves13 | €0.004m | €0.006m | €0.003m | €0.05m | €0.1m | €0.1m | €0.2m | €0.3m | ▲ 7.2% |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.002m | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.002m | €0.002m | - | - | - | - |
| Distributable reserves133 | - | - | - | €0.04m | €0.1m | €0.1m | €0.2m | €0.3m | ▲ 7.2% |
| Profit (loss) carried forward14 | -€0.02m | -€0.02m | - | - | - | - | - | - | - |
| Amounts payable17/49 | €0.6m | €0.8m | €0.7m | €0.6m | €0.7m | €2.1m | €1.5m | €1.3m | ▼ 16.6% |
| Amounts payable after more than one year17 | - | - | - | - | - | €0.5m | €0.4m | - | - |
| Financial debts170/4 | - | - | - | - | - | €0.5m | €0.4m | - | - |
| Amounts payable within one year42/48 | €0.6m | €0.8m | €0.7m | €0.6m | €0.7m | €1.7m | €1.2m | €1.3m | ▲ 9.5% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | - | €0.1m | €0.1m | - | - |
| Trade debts44 | €0.3m | €0.4m | €0.4m | €0.6m | €0.7m | €1.4m | €1.0m | €0.9m | ▼ 3.4% |
| Suppliers440/4 | - | - | - | €0.6m | €0.7m | €1.4m | €1.0m | €0.9m | ▼ 3.4% |
| Taxes, remuneration and social security45 | - | - | - | €0.01m | €0.01m | €0.04m | €0.08m | €0.2m | ▲ 96.3% |
| Taxes450/3 | - | - | - | - | - | - | €0.02m | €0.1m | ▲ 342% |
| Remuneration and social security454/9 | - | - | - | €0.01m | €0.01m | €0.04m | €0.06m | €0.06m | ▼ 4.3% |
| Other amounts payable47/48 | - | - | - | - | - | €0.1m | - | €0.2m | - |
| Accrued charges and deferred income492/3 | - | - | - | - | - | €0.002m | €447 | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €229,456 | €177,299 | €157,161 | €42,920 | €50,863 | €100,625 | €151,354 | €197,875 | ▲ 30.7% |
| + Depreciation and write-downs630 | €41,284 | €37,778 | €38,415 | €34,856 | €39,269 | €130,679 | €115,203 | €121,678 | ▲ 5.6% |
| Operating cash flow (approximation) | €270,740 | €215,077 | €195,575 | €77,776 | €90,131 | €231,303 | €266,557 | €319,553 | ▲ 19.9% |
| Investment in fixed assets (approximation) | - | -€28,677 | -€11,669 | -€17,709 | -€32,480 | -€905,381 | -€63,874 | -€39,755 | ▲ 37.8% |
| Change in cash | - | €35,755 | €86,711 | €163,633 | €45,645 | €419,263 | -€650,122 | €486,072 | ▲ 175% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of the 4,608 companies in this sector, figures are known for 3,210. 2,735 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2022 to 2025 · 6 entries · €15,072 awarded · €15,072 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €211 | €211 |
| 2024 | 2 | €6,584 | €6,584 |
| 2023 | 2 | €6,684 | €6,684 |
| 2022 | 1 | €1,593 | €1,593 |
Public contracts: not fully processed yet. The notices from December 2021 to September 2026 are still being read.