SURDENT
ActiveSURDENT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €351k and a net result of €76k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 28% of 16511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▲+16
Solvency58▲+2
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.84 in 2024; short-term debt: 56.4% and cash: 56% of total assets), but 66.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
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
33.4%
Return on assets
7.3%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
21 d late
2023
29 d late
2022
on the day
2021
38 d early
2020
40 d early
2019
35 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
€351k▲ 27.7%
2024 · €275k
2018: €281k
2019: €305k
2020: €272k
2021: €352k
2022: €409k
2023: €344k
2024: €275k
2018 → 2025
Total assets
€1.05M▲ 19.6%
2024 · €878k
2018: €640k
2019: €484k
2020: €533k
2021: €610k
2022: €756k
2023: €810k
2024: €878k
2018 → 2025
Net result
€76k
2024 · €-32k
2018: €42k
2019: €67k
2020: €47k
2021: €81k
2022: €57k
2023: €9k
2024: €-32k
2018 → 2025
Working capital
€366k=
2024 · €366k
2018: €242k
2019: €273k
2020: €238k
2021: €324k
2022: €459k
2023: €401k
2024: €366k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€352k-€409k▲ 16.2%€344k▼ 15.8%€275k▼ 20.1%€351k▲ 27.7%
Operating result€123k-€84k▼ 31.9%€127k▲ 51.2%€122k▼ 4.0%€284k▲ 133%
Net result€81k-€57k▼ 30.1%€9k▼ 83.5%€-32k€76k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 133% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.05M
Fixed assets
€92k▲ 15.4%
Current assets
€958k▲ 20.0%
Equity and liabilities €1.05M
Equity
€351k▲ 27.7%
Provisions
€106k▼ 31.5%
Debt
€592k▲ 32.3%
The debt ratio rises from 51.0% to 56.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€299k▲
2024 · €140k
Cash flow
€91k▲
2024 · €-14k
Solvency
33.4%▲
2024 · 31.3%
Current ratio
1.62▼
2024 · 1.84
Quick ratio
1.61▼
2024 · 1.83
Debt / equity
1.69▲
2024 · 1.63
ROE
21.7%▲
2024 · -11.8%
ROA
7.3%▲
2024 · -3.7%
Interest coverage
1.48▲
2024 · 1.19
Debt
€592k▲
2024 · €448k
Debt ≤ 1 year
€592k▲
2024 · €433k
Income taxes
€9k▼
2024 · €37k
Staff costs
€29k▲
2024 · €25k
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€878k€1.05M▲
Fixed assets21/28€80k€92k▲
Tangible fixed assets22/27€80k€92k▲
Plant, machinery and equipment23€16k€15k▼
Furniture and vehicles24€64k€77k▲
Current assets29/58€798k€958k▲
Stocks and contracts in progress3€7k€7k▼
Stocks30/36€7k€7k▼
Amounts receivable within one year40/41€65k€50k▼
Trade receivables40€1k-
Other amounts receivable41€64k€50k▼
Current investments50/53€179k€281k▲
Cash at bank and in hand54/58€493k€588k▲
Deferred charges and accrued income490/1€54k€31k▼
Equity and liabilities
Total equity and liabilities10/49€878k€1.05M▲
Equity10/15€275k€351k▲
Contributions10/11€7k€7k=
Reserves13€237k€313k▲
Non-distributable reserves130/1€237k€313k▲
Reserves not available under the articles1311€237k€313k▲
Profit (loss) carried forward14€31k€31k▲
Provisions and deferred taxes16€155k€106k▼
Provisions for liabilities and charges160/5€155k€106k▼
Environmental obligations163€155k€106k▼
Amounts payable17/49€448k€592k▲
Amounts payable after more than one year17€15k-
Financial debts170/4€15k-
Amounts payable within one year42/48€433k€592k▲
Current portion of amounts payable after more than one year42€11k-
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€5k€6k▲
Remuneration and social security454/9€5k€6k▲
Other amounts payable47/48€409k€583k▲
Income statement
Code20242025
Remuneration, social security and pensions62€25k€29k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€15k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€51k€-49k▼
Other operating charges640/8€1k€5k▲
Gross operating margin9900€218k€284k▲
Operating profit (loss)9901€122k€284k▲
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€118k€201k▲
Recurring financial charges65€118k€201k▲
Profit (loss) for the period before taxes9903€5k€85k▲
Income taxes67/77€37k€9k▼
Profit (loss) for the period9904€-32k€76k▲
Profit (loss) for the period to be appropriated9905€-32k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€107k▲
Profit (loss) brought forward from the previous period14P€63k€31k▼
Transfer from equity791/2€37k-
Transfer to equity691/2-€76k
To other reserves6921-€76k
Profit to be distributed694/7€37k-
Return on contributions (dividend)694€37k-
The notes to these accounts (9 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €76k
Net result €76k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Weakest financial yearnet €-32k ▼444%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €81k ▲71.7%
Net result €81k, the highest in the series.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brussel · 2 establishment units since 2005
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.
Harmoniestraat 241000 BrusselGround area
1,118 m²
Building footprint
791 m²
Volume, LiDAR
10,966 m³
2 parcels, Brussels, Flanders · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Harmoniestraat 24, 1000 Brussel
since 20052.228.778.995
Esselaar 15, 1630 Linkebeek
since 20052.228.779.193
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21813A0271/00D000 | Brussels | 855 m² | 1 · 697 m² | 17.8 m · 5 fl. |
| 22003C0236/00S000 | Flanders | 263 m² | 1 · 95 m² | 12.6 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900ZWOF7HM3U2CY87
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Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 3,640 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-2005
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:surdent@telenet.be
Phone:02.203.60.10
Phone:02.381.19.72