PROSERV
ActiveSummary
PROSERV has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €-1k. Equity is shrinking by ~7% per year across the filed fiscal years. Its solvency ranks better than 48% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▲+29
Solvency57▼-4
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.54 in 2024; short-term debt: 68.1% and cash: 23.9% of total assets), and 68.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2025Solvency, return and age of the figures
Solvency
31.9%
Return on assets
-2.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-1k
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
27 d early
2023
15 d early
2022
3 d early
2021
10 d late
2020
30 d early
2019
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▼ 7.8%
2024 · €17k
2018: €27k
2019: €22k
2020: €35k
2021: €37k
2022: €31k
2023: €24k
2024: €17k
2018 → 2025
Total assets
€50k▲ 3.0%
2024 · €49k
2018: €56k
2019: €51k
2020: €58k
2021: €60k
2022: €62k
2023: €59k
2024: €49k
2018 → 2025
Net result
€-1k▲ 79.1%
2024 · €-6k
2018: €-4k
2019: €-5k
2020: €13k
2021: €2k
2022: €-6k
2023: €-7k
2024: €-6k
2018 → 2025
Working capital
€15k▼ 8.0%
2024 · €17k
2018: €26k
2019: €21k
2020: €34k
2021: €36k
2022: €29k
2023: €23k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€31k▼ 15.7%€24k▼ 23.9%€17k▼ 27.0%€16k▼ 7.8%
Operating result€2k-€-7k€-7k▼ 10.4%€-6k▲ 16.5%€-1k▲ 80.2%
Net result€2k-€-6k€-7k▼ 27.9%€-6k▲ 13.9%€-1k▲ 79.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €6k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€500 =
Current assets
€49k ▲ 3.0%
Equity and liabilities €50k
Equity
€16k ▼ 7.8%
Debt
€34k ▲ 8.9%
Debt's share of the balance-sheet total rises from 64.3% to 68.1%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.45▼
2024 · 1.54
Quick ratio
0.53▲
2024 · 0.46
Debt to equity
2.13▲
2024 · 1.80
ROE
-8.4%▲
2024 · -37.1%
ROA
-2.7%▲
2024 · -13.2%
Debt ≤ 1 year
€34k▲
2024 · €31k
Income taxes
€0▼
2024 · €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 · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€49k€50k▲
Fixed assets21/28€500€500=
Financial fixed assets28€500€500=
Current assets29/58€48k€49k▲
Stocks and contracts in progress3€34k€31k▼
Stocks30/36€34k€31k▼
Amounts receivable within one year40/41€7k€6k▼
Trade receivables40€7k€6k▼
Other amounts receivable41€393€393=
Cash at bank and in hand54/58€7k€12k▲
Equity and liabilities
Total equity and liabilities10/49€49k€50k▲
Equity10/15€17k€16k▼
Contributions10/11€45k€45k=
Reserves13€8k€8k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€-35k€-37k▼
Amounts payable17/49€31k€34k▲
Amounts payable within one year42/48€31k€34k▲
Trade debts44€6k€6k▲
Suppliers440/4€6k€6k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€24k€25k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€524-
Other operating charges640/8€3k€3k▲
Gross operating margin9900€-3k€2k▲
Operating profit (loss)9901€-6k€-1k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€348€144▼
Recurring financial charges65€348€144▼
Profit (loss) for the period before taxes9903€-6k€-1k▲
Income taxes67/77€0€0▼
Profit (loss) for the period9904€-6k€-1k▲
Profit (loss) for the period to be appropriated9905€-6k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-37k▼
Profit (loss) brought forward from the previous period14P€-29k€-35k▼
The notes to these accounts (4 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 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, Beloeil · 1 establishment unit since 1989
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.
Chemin du Bois (Sta) 167973 BeloeilGround area
84 m²
Building footprint
84 m²
Volume, LiDAR
553 m³
Parcel 51532C0432/00X002, Wallonia · tallest building 20.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PROSERV SC
since 19892.041.859.502
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51532C0432/00X002 | Wallonia | 84 m² | 1 · 84 m² | 20.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeloeil2.041.859.502
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Of 12,958 companies in sector 47120 we hold annual accounts for 2,190. 1,354 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
Founded05-01-1989
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:065364269