SERENDIPPO
ActiveSERENDIPPO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €97k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 47% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency75▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.67 in 2024; short-term debt: 49.7% and cash: 24.5% of total assets), and 49.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
50.3%
Return on assets
41.9%
Age of the figures
9 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
30 d early
2024
15 d early
2023
5 d late
2022
34 d early
2021
26 d late
2020
26 d late
2019
10 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€116k▲ 11.1%
2024 · €105k
2018: €26k
2019: €46k
2020: €60k
2021: €79k
2022: €129k
2023: €182k
2024: €105k
2018 → 2025
Total assets
€231k▼ 4.6%
2024 · €243k
2018: €272k
2019: €272k
2020: €266k
2021: €266k
2022: €356k
2023: €267k
2024: €243k
2018 → 2025
Net result
€97k▼ 24.8%
2024 · €129k
2018: €7k
2019: €21k
2020: €15k
2021: €19k
2022: €51k
2023: €54k
2024: €129k
2018 → 2025
Working capital
€-19k▲ 57.3%
2024 · €-45k
2018: €-27k
2019: €-897
2020: €18k
2021: €42k
2022: €99k
2023: €20k
2024: €-45k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€79k-€129k▲ 63.3%€182k▲ 41.1%€105k▼ 42.4%€116k▲ 11.1%
Operating result€27k-€68k▲ 148%€72k▲ 6.0%€171k▲ 138%€130k▼ 24.2%
Net result€19k-€51k▲ 171%€54k▲ 6.3%€129k▲ 139%€97k▼ 24.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €231k
Fixed assets
€136k▼ 9.4%
Current assets
€96k▲ 3.0%
Equity and liabilities €231k
Equity
€116k▲ 11.1%
Debt
€115k▼ 16.6%
The debt ratio falls from 56.8% to 49.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€144k▼
2024 · €185k
Cash flow
€111k▼
2024 · €143k
Solvency
50.3%▲
2024 · 43.2%
Current ratio
0.83▲
2024 · 0.67
Quick ratio
0.83▲
2024 · 0.67
Debt / equity
0.99▼
2024 · 1.32
ROE
83.2%▼
2024 · 122.9%
ROA
41.9%▼
2024 · 53.1%
Interest coverage
21.96▼
2024 · 29.21
Debt
€115k▼
2024 · €138k
Debt ≤ 1 year
€115k▼
2024 · €138k
Income taxes
€27k▼
2024 · €37k
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€243k€231k▼
Fixed assets21/28€150k€136k▼
Tangible fixed assets22/27€150k€136k▼
Land and buildings22€147k€134k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€93k€96k▲
Amounts receivable within one year40/41€60k€38k▼
Trade receivables40€59k€35k▼
Other amounts receivable41€724€3k▲
Current investments50/53€25k€0▼
Cash at bank and in hand54/58€7k€57k▲
Deferred charges and accrued income490/1€958€1k▲
Equity and liabilities
Total equity and liabilities10/49€243k€231k▼
Equity10/15€105k€116k▲
Contributions10/11€19k€19k=
Reserves13€2k€1k▼
Distributable reserves133€2k€1k▼
Profit (loss) carried forward14€84k€97k▲
Amounts payable17/49€138k€115k▼
Amounts payable within one year42/48€138k€115k▼
Trade debts44€130€98▼
Suppliers440/4€130€98▼
Taxes, remuneration and social security45€23k€20k▼
Taxes450/3€23k€20k▼
Other amounts payable47/48€114k€95k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€187k€146k▼
Operating profit (loss)9901€171k€130k▼
Financial income75/76B€2k€800▼
Recurring financial income75€2k€800▼
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€166k€124k▼
Income taxes67/77€37k€27k▼
Profit (loss) for the period9904€129k€97k▼
Profit (loss) for the period to be appropriated9905€129k€97k▼
Appropriation of the result
Profit (loss) to be appropriated9906€290k€181k▼
Profit (loss) brought forward from the previous period14P€161k€84k▼
Transfer from equity791/2-€721
Profit to be distributed694/7€206k€85k▼
Return on contributions (dividend)694€206k€85k▼
The notes to these accounts (6 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €129k ▲139%
Operating result €171k, net result €129k, both a record.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-12
Financial
Equity above €150kEq €182k ▲41.1%
6 profitable years in a row build equity to €182k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €129k ▲63.3%
5 profitable years in a row build equity to €129k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
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, Diest · 1 establishment unit since 2017
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.
Veemarkt 253290 DiestGround area
564 m²
Building footprint
126 m²
Volume, LiDAR
2,237 m³
Parcel 24020A0235/00D000, Flanders · tallest building 19.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SERENDIPPO
since 20172.263.531.820
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24020A0235/00D000 | Flanders | 564 m² | 1 · 126 m² | 19.8 m · 5 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 13,422 companies in sector 73300 we hold annual accounts for 6,901. 5,559 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2017
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
58110Book publishing
58130Publishing activities
58140Publishing activities
70200Business and other management consultancy
70220Business consulting
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.