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SurCo

Active
Pauline Van Pottelsberghelaan 10 ·9051 Gent, Belgium
KBO/BCE: BE 1017.290.369
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Age1 yr
Board4
Real estate1 parcel · 1,561 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SurCo is 0.3% (very low). The 2025 annual accounts show equity of €2.97M and a net result of €-209k. Its solvency ranks better than 67% of 503 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 24-07-2026 7 d early 2026-00350806

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 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
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 everyone
0.3% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-209k
Working capitalNot included in this filing

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 24-07-2026 with the NBB · fiscal year 2025 · verkort
Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 64.4% 45.4%
better than 67% of 503 sector peers
Net result €-209k €56k
better than 5% of 503 sector peers
Equity €2.97M €214k
better than 91% of 503 sector peers
Gross operating margin €-147k €99k
better than 5% of 503 sector peers
Total assets €4.61M €774k
better than 88% of 503 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositverkort
Revenue-
EBITDA-
Net profit€-209k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€4.61M
Equity€2.97M
Debt€1.64M
of which ≤ 1y-
of which > 1y€1.58M
Working capital-
Employees (FTE)-
Ratios (computed)
2025
Current ratio-
Quick ratio-
Working capital ratio-
Solvency64.4%
Debt / equity0.55
Long-term debt ratio0.53
Interest coverage-
Gross margin-
Net margin-
ROA-4.5%
ROE-7.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (17 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€4.61M
Fixed assets 21/28€4.58M
Financial fixed assets 28€4.58M
Current assets 29/58€23k
Cash & bank 54/58€23k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€4.61M
Equity 10/15€2.97M
Contributions / capital 10/11€3.17M
Accumulated profits (losses) 14€-209k
Amounts payable 17/49€1.64M
Amounts payable after one year 17€1.58M
Income statement
Gross operating margin 9900€-147k
Operating result 9901€-147k
Financial charges 65€62k
Result before taxes 9903€-209k
Net result for the period 9904€-209k
Result to be appropriated 9905€-209k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
No health score: the filing is too brief
The accounts filed for FY 2025 supply 2 of the 6 factors this model weighs. Below 3 we publish no score, because it would mostly describe the model rather than this company.
This is not a judgement about the company. Micro and abbreviated schemas may omit turnover (rubriek 70), which makes the EBITDA margin and often the interest coverage impossible to compute.

Directors

Directors & mandates

4 directors
Current directors & mandates
  • GDP Cover BVLegal entity
    Director· perm. rep.: Gilles Deplancke
    State Gazette act 25115660 (15-09-2025)
    Current
    01-07-2025 → present
  • InsureCo BVLegal entity
    Director· perm. rep.: Marc Janssens
    State Gazette act 25115660 (15-09-2025)
    Current
    01-07-2025 → present
  • RISKCare BVLegal entity
    Director· perm. rep.: Herman Kerremans
    State Gazette act 25115660 (15-09-2025)
    Current
    01-07-2025 → present
  • DEPLANCKE Gilles
    Non-statutory director
    State Gazette act 25312801 (19-02-2025)
    Current
    19-02-2025 → 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 Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200)
Legal form Private limited company(610)
Incorporation12-12-2024
StatusActive
Postal code9051

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Pauline Van Pottelsberghelaan 109051 Gent

Establishment units

1 location
SurCo
Pauline Van Pottelsberghelaan 10, 9051 GentHoldings
since 20242.370.403.054
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,561 m²
Buildings1
Building footprint345 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44062A0110/00K000 Flanders 1,561 m² 1 · 345 m² 0.0 m
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

2 acts
Capital history · 1
19-02-2025
Capital change
All acts · 2 updated 11 months ago
2025
15-09-2025 3 directors appointed Director changes
  • Herman Kerremans, Bestuurder
  • Marc Janssens, Bestuurder
  • Gilles Deplancke, Bestuurder
19-02-2025 Capital increase of €2,343,000 to €2,343,000 Capital & shares·Tim CARNEWAL
  • €0 → €2.343.000
  • Inbreng in geld · Apport en numéraire
  • 2 kapitaalbewegingen in deze akte
Notary: Tim CARNEWAL · BrusselFirm: Berquin Notarissen

Analysis

Financial profile

3 of 5 axes measured
Health-Profitability0Solvency99Growth-Stability67
55 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 0
Solvency 99
Growth -
Stability 67

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 15,452 of the 82,031 companies in this sector. 2,191 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Activiteiten van holdings64210Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL SurCo
Registered office
Pauline Van Pottelsberghelaan 10
9051 Gent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.