SERVICES@WORK
ActiveSummary
SERVICES@WORK has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €176k and a net result of €28k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 28% of 4486 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+1
Solvency45▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.71 against 2.13 in 2024; short-term debt: 8.7% and cash: 8.3% of total assets), but 80.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 81
Relative position
BE, all sectors
reference
Sector 81
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
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
19.9%
Return on assets
3.1%
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
69 d early
2023
65 d early
2022
59 d early
2021
2 d early
2020
60 d early
2019
37 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€176k▲ 18.7%
2024 · €148k
2018: €457
2019: €18k
2020: €56k
2021: €139k
2022: €182k
2023: €131k
2024: €148k
2018 → 2025
Total assets
€884k▲ 5.9%
2024 · €834k
2018: €184k
2019: €163k
2020: €239k
2021: €294k
2022: €290k
2023: €868k
2024: €834k
2018 → 2025
Net result
€28k▲ 60.3%
2024 · €17k
2018: €6k
2019: €17k
2020: €39k
2021: €82k
2022: €43k
2023: €-51k
2024: €17k
2018 → 2025
Working capital
€131k▲ 25.5%
2024 · €104k
2018: €-56
2019: €9k
2020: €12k
2021: €57k
2022: €85k
2023: €66k
2024: €104k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€139k-€182k▲ 31.4%€131k▼ 28.2%€148k▲ 13.2%€176k▲ 18.7%
Operating result€121k-€63k▼ 47.9%€-49k€45k€65k▲ 45.2%
Net result€82k-€43k▼ 47.0%€-51k€17k€28k▲ 60.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 45% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €884k
Fixed assets
€676k ▲ 6.1%
Current assets
€208k ▲ 5.4%
Equity and liabilities €884k
Equity
€176k ▲ 18.7%
Debt
€708k ▲ 3.2%
Debt's share of the balance-sheet total falls from 82.3% to 80.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€100k▲
2024 · €94k
Cash flow
€63k▼
2024 · €66k
Current ratio
2.71▲
2024 · 2.13
Quick ratio
1.30▲
2024 · 0.86
Debt to equity
4.03▼
2024 · 4.64
ROE
15.8%▲
2024 · 11.7%
ROA
3.1%▲
2024 · 2.1%
Interest coverage
3.33▼
2024 · 3.35
Debt ≤ 1 year
€77k▼
2024 · €93k
Debt > 1 year
€629k▲
2024 · €593k
Income taxes
€10k▲
2024 · €2k
Staff costs
€27k▼
2024 · €31k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€834k€884k▲
Fixed assets21/28€637k€676k▲
Intangible fixed assets21-€2k
Tangible fixed assets22/27€637k€674k▲
Land and buildings22€619k€602k▼
Plant, machinery and equipment23€3k-
Furniture and vehicles24€9k€322▼
Other tangible fixed assets26€6k€72k▲
Current assets29/58€197k€208k▲
Stocks and contracts in progress3€118k€108k▼
Stocks30/36€118k€108k▼
Amounts receivable within one year40/41€36k€22k▼
Trade receivables40€28k€22k▼
Other amounts receivable41€7k-
Cash at bank and in hand54/58€38k€73k▲
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€834k€884k▲
Equity10/15€148k€176k▲
Contributions10/11€6k€6k=
Reserves13€145k€172k▲
Distributable reserves133€145k€172k▲
Profit (loss) carried forward14€-3k€-3k=
Amounts payable17/49€686k€708k▲
Amounts payable after more than one year17€593k€629k▲
Financial debts170/4€540k€589k▲
Other amounts payable178/9€53k€40k▼
Amounts payable within one year42/48€93k€77k▼
Current portion of amounts payable after more than one year42€35k€32k▼
Trade debts44€38k€31k▼
Suppliers440/4€38k€31k▼
Taxes, remuneration and social security45€20k€14k▼
Taxes450/3€15k€14k▼
Remuneration and social security454/9€6k€317▼
Accrued charges and deferred income492/3€56€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€31k€27k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€36k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€128k€131k▲
Operating profit (loss)9901€45k€65k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€28k€30k▲
Recurring financial charges65€28k€30k▲
Profit (loss) for the period before taxes9903€19k€38k▲
Income taxes67/77€2k€10k▲
Profit (loss) for the period9904€17k€28k▲
Profit (loss) for the period to be appropriated9905€17k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€25k▲
Profit (loss) brought forward from the previous period14P€-3k€-3k=
Transfer to equity691/2€17k€28k▲
To other reserves6921€17k€28k▲
The notes to these accounts (10 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €176k ▲18.7%
2 profitable years in a row build equity to €176k.
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-51k
Net result drops to €-51k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €182k ▲31.4%
5 profitable years in a row build equity to €182k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €82k ▲113%
Operating result €121k, net result €82k, both a record.
31-12
Financial
Equity above €100kEq €139k ▲145%
4 profitable years in a row build equity to €139k.
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Steenokkerzeel · 1 establishment unit since 2009
Ground area
1,558 m²
Building footprint
291 m²
Volume, LiDAR
1,786 m³
2 parcels, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SERVICES@WORK
since 20092.175.281.616
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23065B0277/00N007 | Flanders | 1,036 m² | 1 · 90 m² | 9.7 m · 2 fl. |
| 23402E0190/00V027 | Flanders | 522 m² | 1 · 201 m² | 11.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 775 EUR awarded · 775 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 267 EUR | 267 EUR |
| 2022 | 1 | 508 EUR | 508 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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ACTOPLUS
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TRU
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Genk · Eq €176,434
Of 7,006 companies in sector 81220 we hold annual accounts for 2,414. 1,892 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
Founded02-01-2009
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
81220Other building cleaning and industrial cleaning
70200Business and other management consultancy
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.