S.E.L. Services Center
ActiveS.E.L. Services Center has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-790) and a net result of €-5k. Equity is shrinking by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 13% of 7709 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+63
Solvency24▼-5
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 6.64 against 0.81 in 2024; short-term debt: 10.7% and cash: 35.5% of total assets), but equity is negative.
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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
-0.7%
Return on assets
-4.8%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-790
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
13 d early
2023
3 d early
2022
9 d early
2021
1 d early
2020
5 d early
2019
5 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
Turnover
€417k
EBIT margin
23.4%
Net result
€-5k▲ 88.3%
2024 · €-43k
2018: €-8k
2019: €-10k
2020: €18k
2021: €73k
2022: €26k
2023: €27k
2024: €-43k
2018 → 2025
Working capital
€64k
2024 · €-22k
2018: €-42k
2019: €-64k
2020: €-46k
2021: €-35k
2022: €-68k
2023: €35k
2024: €-22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€417k-
Equity€44k-€8k▼ 81.8%€47k▲ 488%€4k▼ 91.0%€-790
Operating result€98k-€38k▼ 60.9%€40k▲ 3.6%€-42k€-4k▲ 89.7%
Net result€73k-€26k▼ 63.8%€27k▲ 2.6%€-43k€-5k▲ 88.3%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €42k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€30k▲ 15.2%
Current assets
€75k▼ 17.5%
Key figures and ratios
EBITDA
€11k▲
2024 · €-22k
Cash flow
€10k▲
2024 · €-23k
Solvency
-0.7%▼
2024 · 3.6%
Current ratio
6.64▲
2024 · 0.81
Quick ratio
6.64▲
2024 · 0.81
ROA
-4.8%▲
2024 · -36.7%
Interest coverage
47.98▲
2024 · -70.28
Debt
€106k▼
2024 · €113k
Debt ≤ 1 year
€11k▼
2024 · €113k
Debt > 1 year
€95k
Income taxes
€386▲
2024 · €378
Equity ratios withheld: equity of €-790 is too small for a meaningful ratio.
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€118k€106k▼
Fixed assets21/28€26k€30k▲
Tangible fixed assets22/27€26k€30k▲
Furniture and vehicles24€3k€19k▲
Other tangible fixed assets26€23k€11k▼
Financial fixed assets28€575€125▼
Current assets29/58€91k€75k▼
Amounts receivable within one year40/41€33k€28k▼
Trade receivables40€31k€23k▼
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€46k€38k▼
Deferred charges and accrued income490/1€12k€10k▼
Equity and liabilities
Total equity and liabilities10/49€118k€106k▼
Equity10/15€4k€-790▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-14k€-19k▼
Amounts payable17/49€113k€106k▼
Amounts payable after more than one year17-€95k
Other amounts payable178/9-€95k
Amounts payable within one year42/48€113k€11k▼
Trade debts44€14k€4k▼
Suppliers440/4€14k€4k▼
Taxes, remuneration and social security45€378€7k▲
Taxes450/3€378€7k▲
Other amounts payable47/48€99k€633▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€123k€96k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€15k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€-19k€13k▲
Operating profit (loss)9901€-42k€-4k▲
Financial income75/76B-€170
Recurring financial income75-€170
Financial charges65/66B€366€474▲
Recurring financial charges65€310€227▼
Non-recurring financial charges66B€55€247▲
Profit (loss) for the period before taxes9903€-43k€-5k▲
Income taxes67/77€378€386▲
Profit (loss) for the period9904€-43k€-5k▲
Profit (loss) for the period to be appropriated9905€-43k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-43k€-19k▲
Profit (loss) brought forward from the previous period14P-€-14k
Transfer from equity791/2€29k-
The notes to these accounts (7 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 8current ratio 6.64
Current ratio from 0.81 to 6.64; short-term debt falls from €113k to €11k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-43k ▼260%
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 1.26
Current ratio from 0.60 to 1.26; short-term debt falls from €172k to €138k.
22-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €73k ▲304%
Operating result €98k, net result €73k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
26-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
27-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
21-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Aiseau-Presles · 1 establishment unit since 2013
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 Joseph Bancu(PR) 356250 Aiseau-PreslesGround area
2,526 m²
Building footprint
114 m²
Volume, LiDAR
709 m³
Parcel 52057C0094/00X020, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Joseph Bancu(PR) 35, 6250 Aiseau-Presles
since 20132.224.906.222
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52057C0094/00X020 | Wallonia | 2,526 m² | 1 · 114 m² | 9.4 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.
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Of 11,219 companies in sector 82100 we hold annual accounts for 3,512. 1,224 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2013
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
46341Wholesale of wines and spirits
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.selservices.be