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S.E.F.F.

Active
Private limited companyfounded 1994active for 31 yearsKouterstraat 162A, 3090 Overijse, BelgiumKBO/BCE: BE 0453.691.962
Summary

S.E.F.F. has been active since 1994 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €598,877 and a net result of -€22,894. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 72% of 4,749 sector peers (NACE 56, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisFollow ReportCompare
S.E.F.F.ActiveChecked score 84/100
Risk analysis ReportCompare

Overview

Activity
Limited-service restaurants, excluding mobile food services
NACE 56112
2nd largest company by equity in Overijse, Accommodation and food service sector1 site
Size
€1.1mtotal assets 2025
Staff
36.7 FTE
Equity
€598,877
Loss
-€22,894
Financial health
84 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Structure
Parent
NICOLAS C&S · 100%
  • NICOLAS C&SDirector · permanent representative Steven NICOLAS
2025 accounts 28 days early2 of 8 deeds summarised
Why 84raises risk1 change of registered office in 24 monthsSector: Food and beverage service activities (NACE 56)lowers riskLiquidity: current ratio 1.70, cash €429,968Equity €598,877 (52.1% of total assets)Show the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 58% of its sector peers (NACE 56, small)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 77+3
equity 52.1% of total assets
Liquidity 74-1
short-term debt 46.5% · cash 37.4%
Profitability 56-31
return on assets -2.0%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.9% (1,616 companies, NACE 56, small)
Last 24 months 11-2024: 0.3% 12-2024: 0.6%▲ +0.3 percentage points vs 11-2024highest value 01-2025: 0.5%▼ -0.1 percentage points vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.5%● unchanged vs 06-2025 08-2025: 0.3%▼ -0.2 percentage points vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.2%▼ -0.1 percentage points vs 03-2026lowest value 05-2026: 0.3%▲ +0.1 percentage points vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.4%▲ +0.1 percentage points vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.4%● unchanged vs 09-2026
Credit of up to €50,000 on 30-day terms is acceptable
Liquidity ample (current ratio 1.7, compared with 1.55 in 2024, above the usual 1.5; short-term debt: 46.5% and cash: 37.4% of total assets), and 47.9% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, small): better than 78% on solvency, 86% on liquidity, 33% on profitability and 34% on growth.

The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 1.70, cash €429,968
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Sector: Food and beverage service activities (NACE 56)
KBO
lowers risk · Equity €598,877 (52.1% of total assets)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
28 days early
2024
7 days early
2023
29 days late
2022
27 days early
2021
31 days late
2020
30 days late
2019
31 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 8 days after the deadline; the sector median (NACE 56) for financial year 2024 is 6 days after the deadline, and 53% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 July (4 of the last 5 filed years within 37 days of that day).
Companies Code · seven months
Where today falls in the filing period
25-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Weakest financial yearnet -€22,894
  3. Annual accounts filedfinancial year 2024 · abbreviated…

Key points

  • Caution: From profit to loss in 2025after €184,823 in 2024 -€22,894 View
  • Caution: Among the weakest 16% on net resultsector median €10,495 · 4,744 companies -€22,894 View
  • Controlled by NICOLAS C&Sultimately: 18 BRUMAIRE SRL 100% View

By topic

Financials

Financial year
2025
Total assets
€1.1m
Loss
-€22,894
Solvency
52.1%
Total assets▼ 8.7%
Net result
20182025
Go to Financials

Timeline

Events
37
Since
1996
Next accounts
by 31-07-2027
  1. 31-12-2024Equity above €500,000
  2. 05-12-2024Amendment of the articles
  3. 22-11-2024Resignation: LA FINANCIERE DU PONT D'ARCOLE (director)
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Limited-service restaurants, excluding mobile food servicesNACE 56112
Founded
26-10-1994
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
14
Who signs
Each director alone
Annual meeting
Last Friday of June at 09:00
Purpose
“De uitbating,het beheer,de exploitatie en/of de adviesverlening onder elke mogelijke…” (deed in Dutch)
Go to Articles of association

Key facts about S.E.F.F.

What is the company number of S.E.F.F.?
0453.691.962. In Belgium the VAT number is the company number with BE in front: BE 0453.691.962.
Where is S.E.F.F. based?
The registered office is at Kouterstraat 162A, 3090 Overijse.Company details
What does S.E.F.F. do?
According to the KBO register, the main activity is limited-service restaurants, excluding mobile food services (NACE 56112).
What is the legal form of S.E.F.F.?
Private limited company (BV).
When was S.E.F.F. founded?
On 26-10-1994.
Is S.E.F.F. still active?
Yes, S.E.F.F. is an active enterprise in the KBO register.
How many employees does S.E.F.F. have?
On average 36.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of S.E.F.F.?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is S.E.F.F. profitable?
In financial year 2025, S.E.F.F. made a loss of €22,894.
Where can I find the annual accounts of S.E.F.F.?
S.E.F.F. filed 31 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of S.E.F.F. due?
By 31-07-2027, for financial year 2026.Timeline

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