SURFACE CLEAN
ActiveThe computed 12-month bankruptcy probability of SURFACE CLEAN is 1.6% (moderate). The 2025 annual accounts show equity of €48k and a net result of €5k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 4264 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
94
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+36
Solvency82▲+11
Growth78=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.75 against 1.58 in 2024), but 56.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
43.2%
Return on assets
4.6%
Age of the figures
8 mo
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
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 31-07-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
26 d late
2022
31 d late
2021
79 d late
2020
150 d late
2019
91 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▲ 12.0%
2024 · €43k
2021: €33k
2022: €40k
2023: €42k
2024: €43k
2021 → 2025
Total assets
€112k▼ 3.8%
2024 · €117k
2021: €42k
2022: €60k
2023: €73k
2024: €117k
2021 → 2025
Net result
€5k▲ 260%
2024 · €1k
2021: €1k
2022: €7k
2023: €2k
2024: €1k
2021 → 2025
Working capital
€48k▲ 12.8%
2024 · €43k
2021: €31k
2022: €39k
2023: €41k
2024: €43k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€40k▲ 20.8%€42k▲ 4.3%€43k▲ 3.4%€48k▲ 12.0%
Operating result€4k-€11k▲ 214%€1k▼ 87.6%€2k▲ 15.1%€6k▲ 260%
Net result€1k-€7k▲ 435%€2k▼ 74.7%€1k▼ 17.3%€5k▲ 260%
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 260% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €112k
Fixed assets
€456▼ 38.0%
Current assets
€112k▼ 3.6%
Equity and liabilities €112k
Equity
€48k▲ 12.0%
Debt
€64k▼ 13.1%
The debt ratio falls from 62.9% to 56.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€6k▲
2024 · €2k
Cash flow
€5k▲
2024 · €2k
Solvency
43.2%▲
2024 · 37.1%
Current ratio
1.75▲
2024 · 1.58
Quick ratio
1.75▲
2024 · 1.58
Debt / equity
1.31▼
2024 · 1.69
ROE
10.7%▲
2024 · 3.3%
ROA
4.6%▲
2024 · 1.2%
Interest coverage
14.56▲
2024 · 8.78
Debt
€64k▼
2024 · €73k
Debt ≤ 1 year
€64k▼
2024 · €73k
Income taxes
€2k▲
2024 · €-71
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
Total assets
20/58€117k€112k▼
Fixed assets
21/28€736€456▼
Tangible fixed assets
22/27€736€456▼
Current assets
29/58€116k€112k▼
Amounts receivable within one year
40/41€111k€107k▼
Cash & bank
54/58€4k€4k▼
Total equity & liabilities
10/49€117k€112k▼
Equity
10/15€43k€48k▲
Contributions / capital
10/11€12k€12k=
Reserves
13€4k€4k=
Accumulated profits (losses)
14€26k€32k▲
Amounts payable
17/49€73k€64k▼
Amounts payable within one year
42/48€73k€64k▼
Trade debts payable within one year
44€72k€62k▼
Income statement
Code20242025
Gross operating margin
9900€2k€6k▲
Operating result
9901€2k€6k▲
Financial income
75€1€2k▲
Financial charges
65€212€411▲
Result before taxes
9903€1k€7k▲
Income taxes
67/77€-71€2k▲
Net result for the period
9904€1k€5k▲
Result to be appropriated
9905€1k€5k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2021net €7k ▲435%
Operating result €11k, net result €7k, both a record.
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 79 days late
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 150 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2017
25-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 147 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
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
FIMA KLUS
BE 0838.130.478
Beveren-Kruibeke-Zwijndrecht · Eq €48k
DP CLEANING
BE 1012.238.253
Aalst · Eq €48k
CLEAN SERVICE JP
BE 0460.514.923
Schaarbeek · Eq €48k
INTER SERVICES
BE 0449.083.769
Brussel · Eq €48k
N.I.R. CLEAN
BE 0824.463.376
Elsene · Eq €48k
Of 6,995 companies in sector 81220 we hold annual accounts for 2,311. 1,920 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-03-2015
Fiscal year end31-12
Activities, NACEBEL
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 27-08-2026. Scores and ratios are computed by Checked and are not a credit decision.