CHEZ SEB
ActiveCHEZ SEB has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €139k and a net result of €-8k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 70% of 26053 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability23▼-33
Solvency82▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.74 against 2.34 in 2023; short-term debt: 32.5% and cash: 18.2% of total assets), and 43.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
56.7%
Return on assets
-3.1%
Age of the figures
20 mo
neutral · 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.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
90 d late
2022
92 d late
2021
92 d late
2020
153 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-8k
2023 · €33k
2018: €-1k
2019: €14k
2020: €-15k
2021: €4k
2022: €49k
2023: €33k
2018 → 2024
Working capital
€139k▼ 2.8%
2023 · €143k
2018: €100k
2019: €101k
2020: €75k
2021: €76k
2022: €109k
2023: €143k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€61k-€65k▲ 6.6%€114k▲ 74.5%€147k▲ 29.0%€139k▼ 5.3%
Operating result€-3k-€20k€85k▲ 335%€69k▼ 19.7%€12k▼ 83.0%
Net result€-15k-€4k€49k▲ 1,096%€33k▼ 32.1%€-8k
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 83% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €246k
Fixed assets
€27k▼ 20.2%
Current assets
€219k▼ 12.4%
Equity and liabilities €246k
Equity
€139k▼ 5.3%
Debt
€106k▼ 22.0%
The debt ratio falls from 48.2% to 43.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€18k▼
2023 · €73k
Cash flow
€-1k▼
2023 · €38k
Solvency
56.7%▲
2023 · 51.8%
Current ratio
2.74▲
2023 · 2.34
Quick ratio
0.78▲
2023 · 0.72
Debt / equity
0.76▼
2023 · 0.93
ROE
-5.6%▼
2023 · 22.5%
ROA
-3.1%▼
2023 · 11.6%
Interest coverage
0.95▼
2023 · 2.70
Debt
€106k▼
2023 · €137k
Debt ≤ 1 year
€80k▼
2023 · €107k
Debt > 1 year
€27k▼
2023 · €30k
Income taxes
€128▼
2023 · €8k
Staff costs
€37k▼
2023 · €51k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€283k€246k▼
Fixed assets21/28€33k€27k▼
Tangible fixed assets22/27€33k€27k▼
Plant, machinery and equipment23€17k€14k▼
Furniture and vehicles24€16k€13k▼
Current assets29/58€250k€219k▼
Stocks and contracts in progress3€173k€156k▼
Stocks30/36€173k€156k▼
Amounts receivable within one year40/41€7k€18k▲
Other amounts receivable41€7k€18k▲
Cash at bank and in hand54/58€70k€45k▼
Equity and liabilities
Total equity and liabilities10/49€283k€246k▼
Equity10/15€147k€139k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€126k€119k▼
Amounts payable17/49€137k€106k▼
Amounts payable after more than one year17€30k€27k▼
Financial debts170/4€20k€14k▼
Other amounts payable178/9€10k€13k▲
Amounts payable within one year42/48€107k€80k▼
Current portion of amounts payable after more than one year42€7k€10k▲
Financial debts43€9k€5k▼
Credit institutions430/8€9k€5k▼
Trade debts44€81k€55k▼
Suppliers440/4€81k€55k▼
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€6k€6k▲
Income statement
Code20232024
Remuneration, social security and pensions62€51k€37k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€127k€56k▼
Operating profit (loss)9901€69k€12k▼
Financial income75/76B€3€9▲
Recurring financial income75€3€9▲
Financial charges65/66B€27k€19k▼
Recurring financial charges65€27k€19k▼
Profit (loss) for the period before taxes9903€41k€-8k▼
Income taxes67/77€8k€128▼
Profit (loss) for the period9904€33k€-8k▼
Profit (loss) for the period to be appropriated9905€33k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€126k€119k▼
Profit (loss) brought forward from the previous period14P€93k€126k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 90 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Highest result since 2018net €49k ▲1096%
Operating result €85k, net result €49k, both a record.
31-12
Financial
Equity above €100kEq €114k ▲74.5%
2 profitable years in a row build equity to €114k.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 92 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 153 days late
2020
31-12
Financial
Weakest financial yearnet €-15k ▼207%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 153 days late
2018
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 60 days late
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brunehaut · 1 establishment unit since 2015
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.
Rue du Pont de Maulde(BLE) 647620 BrunehautGround area
1,526 m²
Building footprint
59 m²
Volume, LiDAR
501 m³
Parcel 57010B0211/00P000, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CHEZ SEB
since 20152.243.492.313
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57010B0211/00P000 | Wallonia | 1,526 m² | 1 · 58 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrunehaut2.243.492.313
Similar companies · same sector, comparable size
DE SMET EVENTS
BE 0433.187.845
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VINE DEVOS
BE 0444.043.828
Torhout · Eq €137k
M&P Location
BE 0877.020.451
Ciney · Eq €142k
LES BULLES BELGES
BE 0533.916.011
Lasne · Eq €136k
DRINK VANTYGHEM
BE 0874.901.990
Silly · Eq €135k
Of 1,509 companies in sector 47252 we hold annual accounts for 652. 511 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-06-2015
Fiscal year end31-12
Activities, NACEBEL
47252Retail sale of beverages, general range
47260Retail trade
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.