SEROB
ActiveSummary
SEROB has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €-795. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 70% of 721 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67=
Solvency83▲+19
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.35 against 1.48 in 2024; short-term debt: 42.3% and cash: 13.7% of total assets), and 42.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 52
Relative position
BE, all sectors
reference
Sector 52
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
57.7%
Return on assets
-1.6%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
11 d late
2023
18 d late
2022
19 d early
2021
2 d early
2020
37 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, abbreviated schema
Equity
€28k▼ 2.7%
2024 · €29k
2018: €25k
2019: €26k
2020: €26k
2021: €26k
2022: €28k
2023: €30k
2024: €29k
2018 → 2025
Total assets
€49k▼ 34.5%
2024 · €74k
2018: €80k
2019: €71k
2020: €108k
2021: €95k
2022: €87k
2023: €84k
2024: €74k
2018 → 2025
Net result
€-795▲ 11.8%
2024 · €-901
2018: €2k
2019: €672
2020: €30
2021: €276
2022: €2k
2023: €2k
2024: €-901
2018 → 2025
Working capital
€28k▲ 27.2%
2024 · €22k
2018: €13k
2019: €14k
2020: €393
2021: €11k
2022: €15k
2023: €19k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€28k▲ 6.8%€30k▲ 6.4%€29k▼ 3.0%€28k▼ 2.7%
Operating result€2k-€5k▲ 172%€6k▲ 24.0%€3k▼ 51.3%€2k▼ 46.4%
Net result€276-€2k▲ 547%€2k▲ 0.6%€-901€-795▲ 11.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 46% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€345 ▼ 95.1%
Current assets
€48k ▼ 28.1%
Equity and liabilities €49k
Equity
€28k ▼ 2.7%
Debt
€21k ▼ 54.7%
Debt's share of the balance-sheet total falls from 61.2% to 42.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€8k▼
2024 · €13k
Cash flow
€6k▼
2024 · €9k
Current ratio
2.35▲
2024 · 1.48
Debt to equity
0.73▼
2024 · 1.57
ROE
-2.8%▲
2024 · -3.1%
ROA
-1.6%▼
2024 · -1.2%
Interest coverage
32.42▼
2024 · 34.40
Debt ≤ 1 year
€21k▼
2024 · €46k
Income taxes
€2k▼
2024 · €3k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€74k€49k▼
Fixed assets21/28€7k€345▼
Tangible fixed assets22/27€7k€0▼
Furniture and vehicles24€7k€0▼
Financial fixed assets28€345€345=
Current assets29/58€67k€48k▼
Amounts receivable within one year40/41€34k€9k▼
Trade receivables40€34k€9k▼
Other amounts receivable41€0€0=
Current investments50/53€10k€30k▲
Cash at bank and in hand54/58€21k€7k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€74k€49k▼
Equity10/15€29k€28k▼
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€23k€22k▼
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€21k€20k▼
Amounts payable17/49€46k€21k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€46k€21k▼
Current portion of amounts payable after more than one year42€6k€0▼
Trade debts44€26k€9k▼
Suppliers440/4€26k€9k▼
Taxes, remuneration and social security45€12k€10k▼
Taxes450/3€12k€10k▼
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€7k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€14k€10k▼
Operating profit (loss)9901€3k€2k▼
Financial charges65/66B€379€256▼
Recurring financial charges65€379€256▼
Profit (loss) for the period before taxes9903€3k€1k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€-901€-795▲
Profit (loss) for the period to be appropriated9905€-901€-795▲
Appropriation of the result
Profit (loss) to be appropriated9906€-901€-795▲
Transfer from equity791/2€901€795▼
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Weakest financial yearnet €-901 ▼150%
Net result drops to €-901, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 18 days late
2023
31-12
Financial
Highest result since 2018net €2k ▲0.6%
Net result €2k, the highest in the series.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Orp-Jauche · 1 establishment unit since 2008
Ground area
2,423 m²
Building footprint
123 m²
Parcel 25045B0184/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Chêneau(J-J) 73, 1350 Orp-Jauche
since 20082.170.733.801
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25045B0184/00C000 | Wallonia | 2,423 m² | 1 · 123 m² | - |
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 3,190 companies in sector 52250 we hold annual accounts for 1,955. 981 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 (pre-2019)
Founded05-05-2008
Fiscal year end31-12
Activities, NACEBEL 2025
52250Logistics services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.