What does SERVICE - ETUDE - COMMERCE do?

SERVICE - ETUDE - COMMERCE is a market research agency in Frameries. Private Limited, started on 26 January 1987, 1 establishment.

What is the address of SERVICE - ETUDE - COMMERCE?

The registered office of SERVICE - ETUDE - COMMERCE is located at Le Verger 6 box 4/2, 7080 Frameries.

Is SERVICE - ETUDE - COMMERCE still active?

Yes. According to the CBE (30 October 2026) SERVICE - ETUDE - COMMERCE is active, legal situation “Normale toestand”, started on 26 January 1987.

Is SERVICE - ETUDE - COMMERCE registered on Peppol?

Yes, SERVICE - ETUDE - COMMERCE is registered on the Peppol network with ID 0208:0430638923.

What is the enterprise number of SERVICE - ETUDE - COMMERCE?

The enterprise number of SERVICE - ETUDE - COMMERCE is BE0430638923.

When was SERVICE - ETUDE - COMMERCE founded?

SERVICE - ETUDE - COMMERCE was founded on 26 January 1987.

Who are the directors of SERVICE - ETUDE - COMMERCE?

According to the 2025 annual accounts, the directors of SERVICE - ETUDE - COMMERCE are: LAURENT KOVAC.

Is SERVICE - ETUDE - COMMERCE a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 26 January 1987; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did SERVICE - ETUDE - COMMERCE make in 2025?

SERVICE - ETUDE - COMMERCE posted a profit after taxes of € 2,933 in financial year 2025.

What is the revenue of SERVICE - ETUDE - COMMERCE?

As a small company, SERVICE - ETUDE - COMMERCE is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 11,467.

SERVICE - ETUDE - COMMERCE (Private Limited) - Frameries

Dossier SERVICE - ETUDE - COMMERCE, printed on 30 October 2026 from databakkes.be/en/0430638923/service-etude-commerce. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

SERVICE - ETUDE - COMMERCE from Frameries, company number BE0430638923, closed financial year 2025 with a result of € 2,933 after tax. For that financial year SERVICE - ETUDE - COMMERCE recorded a gross margin of € 11,467 and equity of € 66,836. Compared with financial year 2024, the result moved from € 42,148 to € 2,933. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 10, 2026.

What it is worth Growing

€ 66,836

▲ 5% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Healthy

€ 2,933

▼ 93% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 16,254

▼ 51% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 48,236.

People and assets in 2025

Full-time equivalents estimate The annual accounts report no full-time equivalents. A micro company with one active director is usually run by that person; this is an assumption, not a figure from the source.

≈ 1

No payroll staff. One director, so that person most likely runs the business.

Debts at end 2025

Bank debt

€ 50,013

▲ € 48,385 vs 2024

Loans from banks and other lenders, long and short.

Owed to suppliers

€ 467

▼ 98% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes

€ 10,204

▼ 53% vs 2024

Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ -2,757 Gross margin 2022: € -2,757 First fiscal year in the series	€ -28,797 Gross margin 2023: € -28,797 ▼ € 26,040 vs 2022 (€ -2,757) Unfavourable step	€ 52,301 Gross margin 2024: € 52,301 ▲ € 81,098 vs 2023 (€ -28,797) Favourable step	€ 11,467 Gross margin 2025: € 11,467 ▼ 78% vs 2024 (€ 52,301) Unfavourable step	▼ 78%
Profit after taxes	€ -4,081 Profit after taxes 2022: € -4,081 First fiscal year in the series	€ -29,099 Profit after taxes 2023: € -29,099 ▼ € 25,018 vs 2022 (€ -4,081) Unfavourable step	€ 42,148 Profit after taxes 2024: € 42,148 ▲ € 71,246 vs 2023 (€ -29,099) Favourable step	€ 2,933 Profit after taxes 2025: € 2,933 ▼ 93% vs 2024 (€ 42,148) Unfavourable step	▼ 93%
Equity	€ 50,854 Equity 2022: € 50,854 First fiscal year in the series	€ 21,755 Equity 2023: € 21,755 ▼ 57% vs 2022 (€ 50,854) Unfavourable step	€ 63,903 Equity 2024: € 63,903 ▲ 194% vs 2023 (€ 21,755) Favourable step	€ 66,836 Equity 2025: € 66,836 ▲ 5% vs 2024 (€ 63,903) Favourable step	▲ 5%
Total debts	€ 151,691 Total debts 2022: € 151,691 First fiscal year in the series	€ 41,250 Total debts 2023: € 41,250 ▼ 73% vs 2022 (€ 151,691) Favourable step	€ 98,163 Total debts 2024: € 98,163 ▲ 138% vs 2023 (€ 41,250) Unfavourable step	€ 66,785 Total debts 2025: € 66,785 ▼ 32% vs 2024 (€ 98,163) Favourable step	▼ 32%
Cash	€ 23,325 Cash 2022: € 23,325 First fiscal year in the series	€ 10,089 Cash 2023: € 10,089 ▼ 57% vs 2022 (€ 23,325) Unfavourable step	€ 33,193 Cash 2024: € 33,193 ▲ 229% vs 2023 (€ 10,089) Favourable step	€ 16,254 Cash 2025: € 16,254 ▼ 51% vs 2024 (€ 33,193) Unfavourable step	▼ 51%
Retained profit	€ 32,254 Retained profit 2022: € 32,254 First fiscal year in the series	€ 3,155 Retained profit 2023: € 3,155 ▼ 90% vs 2022 (€ 32,254) Unfavourable step	€ 45,303 Retained profit 2024: € 45,303 ▲ € 42,148 vs 2023 (€ 3,155) Favourable step	€ 48,236 Retained profit 2025: € 48,236 ▲ 6% vs 2024 (€ 45,303) Favourable step	▲ 6%
Bank debt	€ 247 Bank debt 2022: € 247 First fiscal year in the series	€ 3,827 Bank debt 2023: € 3,827 ▲ € 3,580 vs 2022 (€ 247) Unfavourable step	€ 1,629 Bank debt 2024: € 1,629 ▼ 57% vs 2023 (€ 3,827) Favourable step	€ 50,013 Bank debt 2025: € 50,013 ▲ € 48,385 vs 2024 (€ 1,629) Unfavourable step	▲ € 48,385
Balance sheet total	€ 202,545 Balance sheet total 2022: € 202,545 First fiscal year in the series	€ 63,006 Balance sheet total 2023: € 63,006 ▼ 69% vs 2022 (€ 202,545) Unchanged	€ 162,066 Balance sheet total 2024: € 162,066 ▲ 157% vs 2023 (€ 63,006) Unchanged	€ 133,621 Balance sheet total 2025: € 133,621 ▼ 18% vs 2024 (€ 162,066) Unchanged	▼ 18%

Key figures of SERVICE - ETUDE - COMMERCE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to SERVICE - ETUDE - COMMERCE?

What happened at SERVICE - ETUDE - COMMERCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jun 10, 2026 New annual accounts for financial year 2025: profit of € 2,933 (▼ 93% vs 2024). Source: NBB ↗
Mar 25, 1987 New establishment in Frameries. KBO
Jan 26, 1987 Start of the company according to the CBE. KBO

In short

From € 4,081 loss in 2022 to € 2,933 profit in 2025.

Paid € 7,872 in corporate taxes since 2022.

Best year ever: 2024, with € 42,148 profit.

Original PDFs at the National Bank ↗

Management

LAURENT KOVAC

SERVICE - ETUDE - COMMERCE

Behind SERVICE - ETUDE - COMMERCE is LAURENT KOVAC.

Directors

According to the 2025 annual accounts

LAURENT KOVAC

Director

Establishments

Establishment units

Physical locations of this company

Registered office

Le Verger 6 box 4/2

7080 Frameries

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.

All companies at this address →

COPAGA

€ 198,096 gross margin · 2025

ASSOCIATION DES COPROPRIETAIRES DE LA RESIDENCE LE MARAIS A FRAMERIES RUE LE VERGER 6

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0430.638.923

VAT number

BE 0430.638.923

Registered office

Le Verger 6 bus 4/2, 7080 Frameries

Names & denominations

SERVICE - ETUDE - COMMERCE · S.E.C.

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

26 January 1987

Peppol

Active · Active since 17 Dec 2025

Activities · NACE

Markt- en opinieonderzoek

Marktonderzoekbureaus

View on CBE Public ↗ Annual accounts (NBB) ↗