SURFCITY
ActiveSURFCITY has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €172k and a net result of €14k. Equity is growing by ~41.2% per year across the filed fiscal years. Its solvency ranks better than 71% of 1502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74=
Solvency81▼-15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.61 in 2024; short-term debt: 36.9% and cash: 8.3% of total assets), and 44.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← 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
55.7%
Return on assets
4.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
14 d early
2022
18 d early
2021
12 d early
2020
37 d early
2019
45 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€172k▲ 8.9%
2024 · €158k
2018: €11k
2019: €39k
2020: €39k
2021: €68k
2022: €127k
2023: €149k
2024: €158k
2018 → 2025
Total assets
€309k▲ 38.0%
2024 · €224k
2018: €124k
2019: €97k
2020: €92k
2021: €119k
2022: €191k
2023: €203k
2024: €224k
2018 → 2025
Net result
€14k▲ 45.7%
2024 · €10k
2018: €349
2019: €8k
2020: €-114
2021: €29k
2022: €59k
2023: €22k
2024: €10k
2018 → 2025
Working capital
€19k▼ 53.5%
2024 · €40k
2018: €-32k
2019: €-6k
2020: €-5k
2021: €26k
2022: €51k
2023: €74k
2024: €40k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€127k▲ 87.5%€149k▲ 17.5%€158k▲ 6.5%€172k▲ 8.9%
Operating result€32k-€85k▲ 167%€34k▼ 60.7%€19k▼ 44.1%€44k▲ 132%
Net result€29k-€59k▲ 104%€22k▼ 62.5%€10k▼ 56.5%€14k▲ 45.7%
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 132% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €309k
Fixed assets
€177k▲ 49.0%
Current assets
€133k▲ 25.7%
Equity and liabilities €309k
Equity
€172k▲ 8.9%
Debt
€137k▲ 108%
The debt ratio rises from 29.3% to 44.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€113k▲
2024 · €59k
Cash flow
€83k▲
2024 · €50k
Solvency
55.7%▼
2024 · 70.7%
Current ratio
1.16▼
2024 · 1.61
Quick ratio
1.16▼
2024 · 1.61
Debt / equity
0.79▲
2024 · 0.42
ROE
8.1%▲
2024 · 6.1%
ROA
4.5%▲
2024 · 4.3%
Interest coverage
23.33▲
2024 · 11.46
Debt
€137k▲
2024 · €66k
Debt ≤ 1 year
€114k▲
2024 · €65k
Debt > 1 year
€23k
Income taxes
€25k▲
2024 · €4k
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€224k€309k▲
Fixed assets21/28€119k€177k▲
Tangible fixed assets22/27€119k€177k▲
Land and buildings22-€5k
Plant, machinery and equipment23€112k€139k▲
Furniture and vehicles24€7k€33k▲
Current assets29/58€106k€133k▲
Amounts receivable after more than one year29€47k€47k=
Trade receivables290€47k€47k=
Amounts receivable within one year40/41€46k€60k▲
Trade receivables40€9k€26k▲
Other amounts receivable41€37k€33k▼
Cash at bank and in hand54/58€11k€26k▲
Deferred charges and accrued income490/1€2k€540▼
Equity and liabilities
Total equity and liabilities10/49€224k€309k▲
Equity10/15€158k€172k▲
Contributions10/11€32k€32k=
Reserves13€126k€140k▲
Distributable reserves133€126k€140k▲
Amounts payable17/49€66k€137k▲
Amounts payable after more than one year17-€23k
Financial debts170/4-€23k
Amounts payable within one year42/48€65k€114k▲
Current portion of amounts payable after more than one year42-€6k
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€8k€35k▲
Taxes450/3€5k€32k▲
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€57k€71k▲
Accrued charges and deferred income492/3€250€250=
Income statement
Code20242025
Non-recurring operating income76A€14k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€69k▲
Other operating charges640/8€48k€47k▼
Non-recurring operating charges66A€1k-
Gross operating margin9900€109k€160k▲
Operating profit (loss)9901€19k€44k▲
Financial income75/76B€73€405▲
Recurring financial income75€73€405▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€14k€39k▲
Income taxes67/77€4k€25k▲
Profit (loss) for the period9904€10k€14k▲
Profit (loss) for the period to be appropriated9905€10k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€14k▲
Transfer to equity691/2€10k€14k▲
To other reserves6921€10k€14k▲
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €150kEq €158k ▲6.5%
4 profitable years in a row build equity to €158k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €59k ▲104%
Operating result €85k, net result €59k, both a record.
31-12
Financial
Equity above €100kEq €127k ▲87.5%
2 profitable years in a row build equity to €127k.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-114 ▼101%
Net result drops to €-114, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
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, Beringen · 2 establishment units since 2009
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.
Meldertsesteenweg 63583 BeringenGround area
1,345 m²
Building footprint
551 m²
Volume, LiDAR
1,628 m³
2 parcels, Flanders · tallest building 11.0 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Surfcity
since 20092.182.894.631
The Zone
since 20252.370.425.226
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71382C0607/00E000 | Flanders | 943 m² | 1 · 258 m² | - |
| 71049B1285/00R000 | Flanders | 402 m² | 1 · 293 m² | 11.0 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 · 7 entries · 9,204 EUR awarded · 9,204 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 7 | 9,204 EUR | 9,204 EUR |
Schemes
Vlaams beschermingsmechanisme 7 (stopgezet)
Nieuw Vlaams Beschermingsmechanisme (NVB) - stopgezet
Vlaams Beschermingsmechanisme 6 (stopgezet)
Vlaams Beschermingsmechanisme 8 (stopgezet)
Vlaams Beschermingsmechanisme 3 (stopgezet)
Show 2 more
Vlaams Beschermingsmechanisme 4 (stopgezet)
Vlaams Beschermingsmechanisme 5 (stopgezet)
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CLEAN TAPIS
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Of 882 companies in sector 77229 we hold annual accounts for 320. 248 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2009
Fiscal year end31-12
Activities, NACEBEL
77229Renting and leasing of other personal and household goods
77299Rental and leasing activities
47400Retail sale of information and communication equipment
47410Retail trade
77391Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.