FULL SERVICES

Active

Private limited companyfounded 20205 yrs activeRue de Libin,Smuid 8, 6890 Libin, BelgiumKBO/BCE: BE 0759.659.557

Summary

The computed 12-month bankruptcy probability of FULL SERVICES is 4.7% (elevated). The 2024 annual accounts show equity of €53k and a net result of €24k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 28% of 6717 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

54 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability78▲+22

Solvency40▲+8

Growth78▲+20

Track record94

Bankruptcy probability, 12 months

4.7% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €2.5k at 30 days only on tighter terms

Liquidity short (current ratio 0.26 against 0.31 in 2023; short-term debt: 9.8% and cash: 1.5% of total assets), and 84.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 49

Relative position

BE, all sectors

reference

Sector 49

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

15.5%

Return on assets

Age of the figures

21 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 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 · 4 filings

Deviation from the deadline

2025

not confirmed

2024

57 d late

2023

57 d late

2022

4 d early

2021

60 d late

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€0

Total assets

€342k▼ 12.0%

2023 · €388k

2021: €424k 2022: €413k 2023: €388k

2021 → 2024

Net result

€24k▲ 24,752%

2023 · €96

2021: €-8k 2022: €-13k 2023: €96

2021 → 2024

Working capital

€-25k▲ 58.8%

2023 · €-60k

2021: €-42k 2022: €-60k 2023: €-60k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Turnover€0-

Equity€42k-€29k▼ 30.5%€29k▲ 0.3%€53k▲ 82.8%

Operating result€-6k-€-6k▼ 2.9%€7k€35k▲ 406%

Net result€-8k-€-13k▼ 49.4%€96€24k▲ 24,752%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed two years in a row; 2024 is 406% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €342k

97.4%

Fixed assets €333k ▼ 7.8%

Current assets €9k ▼ 67.9%

Equity and liabilities €342k

15.5%

84.5%

Equity €53k ▲ 82.8%

Debt €289k ▼ 19.6%

Debt's share of the balance-sheet total falls from 92.5% to 84.5%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€59k▲

2023 · €30k

Cash flow

€48k▲

2023 · €24k

Current ratio

0.26▼

2023 · 0.31

Debt to equity

5.46▼

2023 · 12.42

ROE

45.3%▲

2023 · 0.3%

ROA

7.0%▲

2023 · 0.0%

Interest coverage

7.84▲

2023 · 4.42

Debt ≤ 1 year

€34k▼

2023 · €87k

Debt > 1 year

€255k▼

2023 · €272k

Income taxes

€4k▲

2023 · €0

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 · 2024 against 2023 · 45 lines

Balance sheet Code20232024

Assets

Total assets20/58€388k€342k▼

Fixed assets21/28€361k€333k▼

Tangible fixed assets22/27€356k€333k▼

Land and buildings22€321k€307k▼

Plant, machinery and equipment23€913€496▼

Furniture and vehicles24€11k€6k▼

Other tangible fixed assets26€23k€20k▼

Financial fixed assets28€5k€0▼

Current assets29/58€27k€9k▼

Amounts receivable within one year40/41€13k€3k▼

Trade receivables40€12k€1k▼

Other amounts receivable41€1k€2k▲

Cash at bank and in hand54/58€13k€5k▼

Deferred charges and accrued income490/1€1k€950▼

Equity and liabilities

Total equity and liabilities10/49€388k€342k▼

Equity10/15€29k€53k▲

Contributions10/11€50k€50k=

Profit (loss) carried forward14€-21k€3k▲

Amounts payable17/49€359k€289k▼

Amounts payable after more than one year17€272k€255k▼

Financial debts170/4€272k€255k▼

Amounts payable within one year42/48€87k€34k▼

Current portion of amounts payable after more than one year42€17k€17k▲

Financial debts43-€0

Credit institutions430/8-€0

Trade debts44€8k€9k▲

Suppliers440/4€8k€9k▲

Advances received on contracts in progress46€7k€0▼

Taxes, remuneration and social security45€2k€7k▲

Taxes450/3€2k€7k▲

Other amounts payable47/48€54k€847▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€24k▲

Other operating charges640/8€3k€2k▼

Gross operating margin9900€33k€61k▲

Operating profit (loss)9901€7k€35k▲

Financial income75/76B€47€210▲

Recurring financial income75€47€210▲

Financial charges65/66B€7k€8k▲

Recurring financial charges65€7k€8k▲

Profit (loss) for the period before taxes9903€96€28k▲

Income taxes67/77€0€4k▲

Profit (loss) for the period9904€96€24k▲

Profit (loss) for the period to be appropriated9905€96€24k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-21k€3k▲

Profit (loss) brought forward from the previous period14P€-21k€-21k▲

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

2025

26-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 57 days late

2024

31-12

Financial Highest result since 2021net €24k ▲24752%

Operating result €35k, net result €24k, both a record.

26-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 57 days late

2023

31-12

Financial Back to profitnet €96

Net result €96 after 2 loss-making years.

27-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-13k

Net result drops to €-13k, the lowest in the series; recovery starts the following year.

29-09

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 60 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, Libin · 2 establishment units since 2020

establishment approximate All 2 establishment units on the map

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.

Rue de Libin,Smuid 86890 Libin

Ground area

3,930 m²

Building footprint

170 m²

Volume, LiDAR

715 m³

2 parcels, Wallonia · tallest building 5.6 m, ±1 floor. Linked by address, not a title deed.

2 establishment units

FULL SERVICES

Rue de Libin,Smuid 8, 6890 LibinRetail trade

since 20202.310.850.992

Friterie chez Fred

Rue de Grupont,Chanly 107B, 6921 WellinRetail trade

since 20232.357.216.103

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
84063A0172/00N005	Wallonia	2,829 m²	1 · 170 m²	5.6 m · 1 fl.
84013A0246/00F000	Wallonia	1,100 m²	-	-

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.

Similar companies · same sector, comparable size

Deerlijk · Eq €52,468

LIFT & STORE

BE 0685.456.636

Oostrozebeke · Eq €53,657

POELMAN-NAROWA

BE 0829.225.680

Brakel · Eq €53,967

Of 996 companies in sector 49420 we hold annual accounts for 450. 343 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

Founded10-12-2020

Fiscal year end31-12

Activities, NACEBEL 2025

49420Removal services

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.