COLLARD Sébastien
ActiveSummary
COLLARD Sébastien has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-71k) and a net result of €-72k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
26
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-27
Solvency7▼-18
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.75 against 0.92 in 2024; short-term debt: 114% and cash: 14.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
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 2025Solvency, return and age of the figures
Solvency
-17.7%
Return on assets
-17.8%
Age of the figures
9 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-71k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 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
31 d late
2024
28 d late
2023
102 d late
2022
31 d late
2021
25 d late
2020
30 d early
2019
26 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-71k
2024 · €526
2018: €-6k
2019: €6k
2020: €19k
2021: €24k
2022: €28k
2023: €15k
2024: €526
2018 → 2025
Total assets
€403k▲ 12.4%
2024 · €359k
2018: €125k
2019: €205k
2020: €246k
2021: €251k
2022: €263k
2023: €348k
2024: €359k
2018 → 2025
Net result
€-72k▼ 396%
2024 · €-14k
2018: €16k
2019: €12k
2020: €13k
2021: €5k
2022: €4k
2023: €-13k
2024: €-14k
2018 → 2025
Working capital
€-113k▼ 349%
2024 · €-25k
2018: €-8k
2019: €-9k
2020: €4k
2021: €-3k
2022: €-91
2023: €-13k
2024: €-25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€28k▲ 15.4%€15k▼ 45.9%€526▼ 96.5%€-71k
Operating result€17k-€11k▼ 30.9%€-6k€-9k▼ 41.2%€-58k▼ 566%
Net result€5k-€4k▼ 31.6%€-13k€-14k▼ 13.9%€-72k▼ 396%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €58k in 2025 against €9k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €380k
Fixed assets
€34k ▼ 39.0%
Current assets
€347k ▲ 14.4%
Key figures and ratios
EBITDA
€-35k▼
2024 · €14k
Cash flow
€-49k▼
2024 · €8k
Solvency
-17.7%▼
2024 · 0.1%
Current ratio
0.75▼
2024 · 0.92
Quick ratio
0.72▼
2024 · 0.79
Debt to equity
-6.66
ROA
-17.8%▼
2024 · -4.0%
Interest coverage
-2.64▼
2024 · 1.58
Debt
€474k▲
2024 · €358k
Debt ≤ 1 year
€460k▲
2024 · €328k
Debt > 1 year
€15k▼
2024 · €30k
Income taxes
€312▲
2024 · €226
Staff costs
€201k▲
2024 · €144k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€359k€403k▲
Formation expenses20-€23k
Fixed assets21/28€56k€34k▼
Tangible fixed assets22/27€56k€34k▼
Plant, machinery and equipment23€8k€4k▼
Furniture and vehicles24€5k€2k▼
Leasing and similar rights25€42k€28k▼
Current assets29/58€303k€347k▲
Stocks and contracts in progress3€42k€17k▼
Stocks30/36€17k€17k▲
Contracts in progress37€25k€0▼
Amounts receivable within one year40/41€197k€271k▲
Trade receivables40€132k€258k▲
Other amounts receivable41€65k€13k▼
Cash at bank and in hand54/58€62k€58k▼
Deferred charges and accrued income490/1€2k€734▼
Equity and liabilities
Total equity and liabilities10/49€359k€403k▲
Equity10/15€526€-71k▼
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-14k€-85k▼
Amounts payable17/49€358k€474k▲
Amounts payable after more than one year17€30k€15k▼
Financial debts170/4€30k€15k▼
Amounts payable within one year42/48€328k€460k▲
Current portion of amounts payable after more than one year42€14k€15k▲
Trade debts44€305k€415k▲
Suppliers440/4€305k€415k▲
Taxes, remuneration and social security45€9k€14k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€6k€8k▲
Other amounts payable47/48-€16k
Income statement
Code20242025
Remuneration, social security and pensions62€144k€201k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€23k▲
Other operating charges640/8€5k€2k▼
Gross operating margin9900€163k€168k▲
Operating profit (loss)9901€-9k€-58k▼
Financial income75/76B€3k€1▼
Recurring financial income75€3k€1▼
Financial charges65/66B€9k€13k▲
Recurring financial charges65€9k€13k▲
Profit (loss) for the period before taxes9903€-14k€-71k▼
Income taxes67/77€226€312▲
Profit (loss) for the period9904€-14k€-72k▼
Profit (loss) for the period to be appropriated9905€-14k€-72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-85k▼
Profit (loss) brought forward from the previous period14P€724€-14k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-72k
Net result drops to €-72k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
10-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 102 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
16-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Durbuy · 1 establishment unit since 2004
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 Saint-Monon (Petithan) 276940 DurbuyGround area
737 m²
Building footprint
124 m²
Parcel 83016B0719/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
COLLARD Sébastien
since 20042.162.365.273
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83016B0719/00C000 | Wallonia | 737 m² | 1 · 124 m² | - |
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.
Similar companies · same sector, comparable size
RD CONCEPT
BE 0784.301.319
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BE 0780.632.541
Wemmel · Eq €528
DoGeLo
BE 0749.424.374
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RENOWAND
BE 0800.925.733
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MVM
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 1,059 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-2004
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43910Bricklaying and masonry work
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:seba.collard@gmail.com
Phone:086/84 07 62