A.B. SERVICES · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of A.B. SERVICES is 1.0% (low). The 2024 annual accounts show equity of €165k and a net result of €-5k. Equity remains stable across the filed fiscal years (±1.7% per year). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

1 signal · with evidence

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 16 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. 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 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	31-08-2025	31 d late	2025-00468440
31-12-2023	31-07-2024	31-08-2024	31 d late	2024-00425076
31-12-2022	31-07-2023	01-08-2023	1 d late	2023-00300672
31-12-2021	31-07-2022	29-08-2022	29 d late	2022-20333273
31-12-2020	31-07-2021	26-07-2021	5 d early	2021-41000482
31-12-2019	31-07-2020	19-08-2020	19 d late	2020-42500506
31-12-2018	31-07-2019	29-07-2019	2 d early	2019-38700417
31-12-2017	31-07-2018	20-07-2018	11 d early	2018-35000592
31-12-2016	31-07-2017	03-07-2017	28 d early	2017-24600342
31-12-2015	31-07-2016	26-07-2016	5 d early	2016-36300262

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

Long-established

Founded in 1993, 33 years in business.

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

1.0% Low

0%0,5%1,5%4%10%≥25%

No NACE activity registered +Long track record −Annual accounts: weaker 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€-5k+92.5%

Working capital€207k-4.6%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 31-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 7 fiscal years (±1.7%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA

€47k

-2.2% 18-24

Net profit

€-5k

+92.5% 18-24

Cash flow

€37k

-75.7% 18-24

Total assets

€215k

-4.0% 18-24

Equity

€165k

-2.7% 18-24

Working capital

€207k

-4.6% 18-24

Income taxes

€11k

-6.3% 18-24

Dividends

€9k

- 18-24

Show 10 other metrics

Debt

€50k

-8.2% 18-24

Debt ≤ 1y

€7k

+16.0% 18-24

Debt > 1y

€43k

-11.4% 18-24

Current ratio

28.68

-17.3% 18-24

Quick ratio

28.68

-17.3% 18-24

Solvency

76.6%

+1.4% 18-24

Debt / equity

0.30

-5.6% 18-24

ROE

-2.8%

+92.3% 18-24

ROA

-2.1%

+92.2% 18-24

Interest coverage

535.77

- 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€-5k
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€215k
Equity	€165k
Debt	€50k
of which ≤ 1y	€7k
of which > 1y	€43k
Working capital	€207k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	28.68
Quick ratio	28.68
Working capital ratio	96.4%
Solvency	76.6%
Debt / equity	0.30
Long-term debt ratio	0.26
Interest coverage	-
Gross margin	-
Net margin	-
ROA	-2.1%
ROE	-2.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €346 · 0.2% Current assets €215k · 99.8%

Equity & liabilities

Equity €165k · 76.7% Debt €50k · 23.4%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€215k
Fixed assets	21/28	€346
Financial fixed assets	28	€346
Current assets	29/58	€215k
Amounts receivable within one year	40/41	€56k
Cash & bank	54/58	€59k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€215k
Equity	10/15	€165k
Contributions / capital	10/11	€75k
Reserves	13	€9k
Accumulated profits (losses)	14	€81k
Amounts payable	17/49	€50k
Amounts payable after one year	17	€43k
Amounts payable within one year	42/48	€7k
Trade debts payable within one year	44	€842
Income statement
Gross operating margin	9900	€-3k
Operating result	9901	€-3k
Financial income	75	€364
Financial charges	65	€2k
Result before taxes	9903	€-5k
Net result for the period	9904	€-5k
Result to be appropriated	9905	€-5k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

70 / 100 Healthy

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

2 directors

6 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.

Current directors & mandates

BEP ASSURCREDITSLegal entity
Director· perm. rep.: TASSIN Maxime Patrick Dominique Marcel
State Gazette act 23414229 (24-10-2023)

Current
24-10-2023 → present

Historic, not recently confirmed (1)

These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.

Léon BROUIR
Manager
State Gazette act 09106323 (27-07-2009)

Not recently confirmed
last confirmed in an act from 2009

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	-
Legal form	Private limited company(610)
Incorporation	08-07-1993
Status	Active
Postal code	6040

Structure & network

Connections & network

1 connected company

Group structure

BEP ASSURCREDITS

Sits on the board · 1 subsidiary · 3 locations

Control→

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control

1 party

Control over this companysits on this company's board1

BEP ASSURCREDITS

1 subsidiary · 3 locations

controls

A.B. SERVICESBE 0450.511.451

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Parcels1

Ground area221 m²

Buildings1

Building footprint63 m²

Volume (LiDAR)760 m³

Tallest building14.3 m · ±4 fl.

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.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52363D0705/00R000	Wallonia	221 m²	1 · 63 m²	14.2 m · 4 fl.

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

Belgian State Gazette · acts

1 of 7 acts read

Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

What every Belgian State Gazette publication actually says, each act broken down into appointments, capital movements, seat moves and statute amendments.

2026

07-08-2026 General meeting · Merger · Dissolution

6 facts

General meeting , 02/07/2026
Merger , absorption, sous la condition suspensive du vote de l'opération assimilée à une fusion par absorption par l'autre société concernée par l'opération
Dissolution , 2026-07-02
Share cancellation , 750, e2
Accounting effect , 01/01/2026
Power of attorney, D&C Finance

Original publication ↗

Analysis

Financial profile

5 of 5 axes measured

60 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 70

Profitability 0

Solvency 100

Growth 32

Stability 100

Credit advice

verdict per customer and amount

Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameFR

A.B. SERVICES

Registered office

Rue de la Station 106

6040 Charleroi, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.