Summary
Conclusion
the dossier summarised in one paragraphS.F. SERVICES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Based on State Gazette and CBE data.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 29 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-07-2025, 16 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 15-07-2025 | 16 d early | 2025-00269746 |
| 31-12-2023 | 31-07-2024 | 30-07-2024 | 1 d early | 2024-00304005 |
| 31-12-2022 | 31-07-2023 | 23-06-2023 | 38 d early | 2023-00150925 |
| 31-12-2021 | 31-07-2022 | 17-06-2022 | 44 d early | 2022-20071794 |
| 31-12-2020 | 31-07-2021 | 30-08-2021 | 30 d late | 2021-57200324 |
| 31-12-2019 | 31-07-2020 | 22-07-2020 | 9 d early | 2020-33900445 |
| 31-12-2018 | 31-07-2019 | 06-08-2019 | 6 d late | 2019-44900303 |
| 31-12-2017 | 31-07-2018 | 16-08-2018 | 16 d late | 2018-46600310 |
| 31-12-2016 | 31-07-2017 | 28-08-2017 | 28 d late | 2017-51000159 |
| 31-12-2015 | 31-07-2016 | 22-08-2016 | 22 d late | 2016-44700384 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsLong-established
Founded in 2004, 22 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Annual accounts & ratios
Source: NBBFinancials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2024 | micro | 15-07-2025 | 2025-00269746 |
| 31-12-2023 | micro | 30-07-2024 | 2024-00304005 |
| 31-12-2022 | micro | 23-06-2023 | 2023-00150925 |
| 31-12-2021 | micro | 17-06-2022 | 2022-20071794 |
| 31-12-2020 | micro | 30-08-2021 | 2021-57200324 |
| 31-12-2019 | micro | 22-07-2020 | 2020-33900445 |
| 31-12-2018 | micro | 06-08-2019 | 2019-44900303 |
| 31-12-2017 | micro | 16-08-2018 | 2018-46600310 |
| 31-12-2016 | micro | 28-08-2017 | 2017-51000159 |
| 31-12-2015 | volledig | 22-08-2016 | 2016-44700384 |
Directors
Directors & mandates
1 director3 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
RAYMOND Marc OlivierDirectorState Gazette act 23483302 (28-12-2023)Current28-12-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Agenten en makelaars in bankdiensten(66191) |
| Legal form | Private limited company(610) |
| Incorporation | 12-05-2004 |
| Status | Active |
| Postal code | 6001 |
Structure & network
Connections & network
1 connected companyGroup structure
We sit on their board · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
1 partyS.F. SERVICESBE 0865.259.893
controls
Where this company holds controlthis company sits on their board1
1 location
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationS.F. SERVICES
since 20042.138.842.575
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,297 m²
Buildings1
Building footprint127 m²
Volume (LiDAR)1,032 m³
Tallest building9.4 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52392C0031/00D004 | Wallonia | 1,297 m² | 1 · 127 m² | 9.4 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 act All acts · 1
updated 2 years ago
2023
28-12-2023 RAYMOND Marc Olivier appointed as director
Analysis
Credit advice
verdict per customer and amountSimilar
Similar companies
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BE 0684.798.719 · Ham-sur-Heure-Nalinnes
BE 0649.702.337 · Tenneville
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 295 of the 1,683 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Agenten en makelaars in bankdiensten66191
Primary activity highlighted.
Names & trade names
| Legal nameFR | S.F. SERVICES |
Registered office
Rue Constantin Meunier 64
6001 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.