Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 62 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
Sur. from Zwevegem, company number BE0430782839, closed financial year 2025 with a result of € 197,875 after tax. For that financial year Sur. recorded a gross margin of € 868,457 and equity of € 285,337. Compared with financial year 2024, the result moved from € 151,354 to € 197,875. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on May 13, 2026.
€ 285,337
▲ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 197,875
▲ 31% vs 2024
Profit after tax over the fiscal year.
€ 725,314
▲ 203% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 180,000 paid out
91 % of the profit went to the shareholders, mostly to SurCo (100 % of the shares). That is where the money ends up.
People and assets in 2025
6.7
▼ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 459,306
▲ 14% vs 2024
€ 68,600 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 29,026
▲ € 24,401 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 922,398
▼ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 160,200
▲ 96% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 249,868 | € 654,736 | € 779,370 | € 868,457 | ▲ 11% |
| Profit after taxes | € 50,863 | € 100,625 | € 151,354 | € 197,875 | ▲ 31% |
| Equity | € 115,484 | € 116,108 | € 267,462 | € 285,337 | ▲ 7% |
| Total debts | € 683,342 | € 2,139,908 | € 1,513,582 | € 1,262,598 | ▼ 17% |
| Cash | € 470,101 | € 889,364 | € 239,242 | € 725,314 | ▲ 203% |
| Land & buildings | € 57,874 | € 43,883 | - | - | |
| Retained profit | € 96,884 | € 97,508 | € 248,862 | € 266,737 | ▲ 7% |
| Dividend | € 0 | € 100,000 | € 0 | € 180,000 | |
| Bank debt | € 0 | € 593,055 | € 476,389 | € 0 | ▼ 100% |
| Balance sheet total | € 798,826 | € 2,256,017 | € 1,781,043 | € 1,547,935 | ▼ 13% |
| Employees (FTE) | 2.6 | 6.3 | 6.8 | 6.7 | ▼ 0.1 |
Key figures of Sur., 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 Sur.?
What happened at Sur. in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 197,875 (▲ 31% vs 2024). Source: NBB ↗
- New establishment in Zwevegem. KBO
- Start of the company according to the CBE. KBO
In short
From € 50,863 profit in 2022 to € 197,875 profit in 2025.
Paid € 193,324 in corporate taxes since 2022.
Best year ever: 2025, with € 197,875 profit.
On average € 129,600 of value added per employee in 2025.
Management
The stake of SurCo, GDP Cover, VABENO, GRR INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Sur.Behind Sur. are RISKCARE BV, VABENO BV, GDP COVER BV and Filip DEPLANCKE. The shares are held by SurCo (100%), GDP Cover (60%), VABENO (30%) and GRR INVEST (15%).
Directors
According to the 2025 annual accounts
Director · represented by Herman KERREMANS
Also active at: JEAN CRAB ET SES FILS, Devaux, Roland Associés, Sharp Insurance Brokers, Sibova Insurance, MAXI ASSUR, RISK MANAGEMENT ASSURANCES, SERVASSIM, MALFAIT VERZEKERINGSKANTOOR +14 more
Director · represented by Benoit VANDENBROUCKE
Filip DEPLANCKE
Director
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Blokkestraat(Z) 41 box B
8550 Zwevegem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0430.782.839
- VAT number
- BE 0430.782.839
- Registered office
- Blokkestraat(Z) 41 bus B, 8550 Zwevegem
- Names & denominations
- Sur.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 April 1987
- Peppol
- Not registered
- Activities · NACE
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