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 1,841 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.
Overview
- Staff
- 6.7 FTE
- Equity
- €285,337
- Profit
- €197,875
- Parent
- SurCo · 100%
- Board
- 5 members
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
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.
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Signals
This company filed its last 7 accounts on average 69 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · abbreviated…
- Appointments: DEPLANCKE Filip, RISKCare BV and…Permanent representatives: KERREMANS Herman and…
- Annual accounts filedfinancial year 2024 · abbreviated…
Financials · financial year 2025, abbreviated format
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.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
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).
| 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% |
| 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 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 39 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 13-05-2026 | 2026-00117579 |
| 31-12-2024 | abbreviated format | 09-07-2025 | 2025-00255006 |
| 31-12-2023 | abbreviated format | 19-06-2024 | 2024-00149974 |
| 31-12-2022 | abbreviated format | 15-06-2023 | 2023-00137116 |
| 31-12-2021 | abbreviated format | 15-04-2022 | 2022-20005141 |
| 31-12-2020 | abbreviated format | 18-03-2021 | 2021-07800389 |
| 31-12-2019 | abbreviated format | 08-06-2020 | 2020-15100449 |
| 31-12-2018 | abbreviated format | 24-05-2019 | 2019-14200419 |
| 31-12-2017 | abbreviated format | 21-06-2018 | 2018-22300299 |
| 31-12-2016 | abbreviated format | 19-07-2017 | 2017-33500424 |
Similar companies · same sector, comparable size
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: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Board 5
Permanent representatives 4
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| GDP COVER BV |
|
| KANTOOR REMMERIE |
|
| VABENO |
|
| DEPLANCKE Filip |
|
| RISKCare BV |
|
| GRR INVEST BV |
|
Owners and capital
Owners
3 ownersChain of control
Highest known parent: ENTERHOLD S.A. (Luxembourg). The sources do not say who stands above it.
Owners 3
- SurCoparent100%
-
30%
-
14.99%
Sources: the companies' annual accounts, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.
Capital and shareholders
- SurCo BV (BE 1017.290.369) all shares
- GDP COVER 3,175 shares
- VABENO 1,323 shares
- KANTOOR REMMERIE 793 shares
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
Group and network
Connections & network
5 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
26-09
Gazette deed
Appointments: DEPLANCKE Filip, RISKCare BV and GDP COVER BVPermanent representatives: KERREMANS Herman and DEPLANCKE Gilles6 facts ▸
- General meeting, 13-06-2025
- Director appointment, DEPLANCKE Filip (director)
- Director appointment, RISKCare BV (director)
- Permanent representative, KERREMANS Herman
- Director appointment, GDP COVER BV (director)
- Permanent representative, DEPLANCKE Gilles
28-02
Gazette deed
Capital & sharesShareholding2 facts ▸
- Board meeting, 07-02-2024
- Shareholding, “bestuurders, artikel 2:8,§4 van het Wetboek van vennootschappen en verenigingen” (deed in Dutch)
19-09
Gazette deed
Resignation: GRR INVEST BV (director)Permanent representative: Mathieu Remmerie3 facts ▸
- General meeting, 19-08-2024
- Director resignation, GRR INVEST BV (director)
- Permanent representative, Mathieu Remmerie
27-06
Gazette deed
Permanent representative: Gilles DEPLANCKERegistered-office move4 facts ▸
- General meeting, 16-01-2024
- Registered-office move, Blokkestraat 41 B, 8550 Zwevegem
- Director in office, GDP COVER BV (director)
- Permanent representative, Gilles DEPLANCKE
29-11
Gazette deed
Resignations: GDP COVER, VABENO and KANTOOR REMMERIEAppointments: GDP COVER, VABENO and KANTOOR REMMERIE · Permanent representatives: Gilles DEPLANCKE, Benoit VANDENBROUCKE and Mathieu REMMERIE · Capital conversion24 facts ▸
- General meeting, “buitengewone algemene vergadering der aandeelhouders, eenparigheid van stemmen” (deed in Dutch)
- Other provision, “aanpassing statuten aan WVV en behoud rechtsvorm BV, eenparigheid” (deed in Dutch)
- Capital conversion, “eenparigheid, middelen beschikbaar voor uitkering” (deed in Dutch)
- Kind of shares, “creatie 3 soorten aandelen, zoals uiteengezet in statuten en aandeelhoudersovereenkomst” (deed in Dutch)
- Shareholding, “A”, 3175 (deed in Dutch)
- Shareholding, “B”, 1323 (deed in Dutch)
- Shareholding, “C”, 793 (deed in Dutch)
- Name change, Sur.
- Amendment of the articles
- Capital
- Power of attorney, Nicolaas Vermeulen
- Registered office clause, “8550 Zwevegem,Avelgemstraat 68 C, met eenparigheid” (deed in Dutch)
- +12 further facts in this act
Show earlier events
About the unread acts
Of the 13 Belgian Official Gazette deeds we know for this company, 5 have been read. The other 8 have not been read yet: what they contain is neither established nor disproved here.
Register details
No listing in the Peppol Directory under this enterprise or VAT number. That proves nothing: being listed there is voluntary.
What can you do?
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 24 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 34042A0533/00H002 | Flanders | 816 m² | 1 · 121 m² | 9.2 m · 1 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Alle geldbeleggingen, alsmede alle financiële, fiscale, verzekerings- of immobiliaire operaties van om het even welke aard of ermee verband…” (deed in Dutch)
5 activities (deed in Dutch)
- Alle geldbeleggingen, alsmede alle financiële, fiscale, verzekerings- of immobiliaire operaties van om het even welke aard of ermee verband houdende handelingen te doen, alsook alle makelaarsverrichtingen in om het even welke vorm van geldbeleggingen en/of geldplaatsing, verzekeringen, hypotheken en aanverwante financiële en onroerende verrichtingen, evenals de financieringshuur (leasing)
- De aankoop, verkoop, ruiling, verhuring, expertise, het beheer en het valoriseren van onroerende goederen van alle aard, zowel gebouwen, als gronden en dit door middel van lotisering, verkaveling, nieuwbouw, heropbouw, verbouwing, enzovoort
- Alle plaatsingen van kapitalen in roerende en onroerende goederen en/of waarden, alsmede het boekhoudkundig, financieel en administratief beheer
- Het optreden als tussenpersoon in de realisatie van alle voormelde verrichtingen en in het algemeen van alle activiteiten vervat in de bedrijvigheid van en als makelaar in financiële operaties, geldplaatsingen en geldbeleggingen, verzekeringen en onroerende verrichtingen
- Alle burgerlijke-, handels-, nijverheids-, financiële, roerende, onroerende en andere verrichtingen of handelingen doen die rechtstreeks, geheel of gedeeltelijk in verband staan met één of ander deel van haar voorwerp of die eenvoudig nuttig zijn of dit voorwerp vergemakkelijken
- Name clauseThe name the company operates under according to its articles.
- Sur.
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, door zorgen bestuursorgaan in bijlage Belgisch Staatsblad” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Two directors jointly
- Board ruleHow the board is made up, meets and takes decisions.
- One provision in the deed
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Artikel 11, Overdracht vrij mits beperkingen artikel 11 en Aandeelhoudersovereenkomst” (deed in Dutch)“Nooit meer dan waarvoor uitgeoefend, niet-toegewezen aandeel via lottrekking door bestuursorgaan in aanwezigheid Overdrager en…” (deed in Dutch)“Werkdagen, bestuursorgaan” (deed in Dutch)“Pro rata, Volgrecht” (deed in Dutch)“Alle redelijk verzochte stappen nemen, niet uitgebreider of bezwarender dan andere partijen” (deed in Dutch)6 more provisions on this in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Second Friday of June
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Vormen vereist voor statutenwijziging, beslissing algemene vergadering” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Een of meerdere vereffenaars aanduiden,bevoegdheden omlijnen,vergoeding bepalen, ontbinding om welke reden en op welk ogenblik ook” (deed in Dutch)