SE-IT
ActiveSummary
SE-IT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96,410 and a net result of €11,803. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 52% of 17213 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78=
Solvency87▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 3.65 against 3.27 in 2024; short-term debt: 14.2% and cash: 42.9% of total assets), and 38.1% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
61.9%
Return on assets
7.6%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
9 d early
2024
41 d early
2023
36 d early
2022
39 d early
2021
44 d early
2020
2 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 28 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€96,410▲ 14.0%
2024 · €84,607
Total assets
€155,837▲ 1.1%
2024 · €154,136
Net result
€11,803▼ 0.3%
2024 · €11,836
Working capital
€58,410▲ 40.7%
2024 · €41,523
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€31,903▼ 9.0%€21,586▼ 32.3%€14,419▼ 33.2%€19,212▲ 33.2%€19,801▲ 3.1%
Net result€22,198within the sector's middle half▼ 9.1%€14,472within the sector's middle half▼ 34.8%€9,180within the sector's middle half▼ 36.6%€11,836within the sector's middle half▲ 28.9%€11,803within the sector's middle half▼ 0.3%
Equity€49,119within the sector's middle half▲ 82.5%€63,591within the sector's middle half▲ 29.5%€72,771within the sector's middle half▲ 14.4%€84,607within the sector's middle half▲ 16.3%€96,410within the sector's middle half▲ 14.0%
Total assets€75,358within the sector's middle half▲ 85.1%€86,761within the sector's middle half▲ 15.1%€87,090within the sector's middle half▲ 0.4%€154,136within the sector's middle half▲ 77.0%€155,837within the sector's middle half▲ 1.1%
Debt€26,239▲ 90.4%€23,170▼ 11.7%€14,318▼ 38.2%€69,529▲ 386%€59,426▼ 14.5%
Working capital€31,581within the sector's middle half▲ 89.5%€42,452within the sector's middle half▲ 34.4%€56,724within the sector's middle half▲ 33.6%€41,523within the sector's middle half▼ 26.8%€58,410within the sector's middle half▲ 40.7%
Solvency65.2%within the sector's middle half▼ 1.0pp73.3%within the sector's middle half▲ 8.1pp83.6%above the sector's middle half▲ 10.3pp54.9%within the sector's middle half▼ 28.7pp61.9%within the sector's middle half▲ 7.0pp
Current ratio2.20within the sector's middle half▼ 0.012.83within the sector's middle half▲ 0.634.96above the sector's middle half▲ 2.133.27within the sector's middle half▼ 1.693.65within the sector's middle half▲ 0.38
Return on assets (ROA)29.5%above the sector's middle half▼ 30.5pp16.7%within the sector's middle half▼ 12.8pp10.5%within the sector's middle half▼ 6.1pp7.7%within the sector's middle half▼ 2.9pp7.6%within the sector's middle half▼ 0.1pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155,837
Fixed assets
€75,354 ▼ 20.1%
Current assets
€80,483 ▲ 34.6%
Equity and liabilities €155,837
Equity
€96,410 ▲ 14.0%
Debt
€59,426 ▼ 14.5%
Debt's share of the balance-sheet total falls from 45.1% to 38.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38,775▲
2024 · €26,905
Cash flow
€30,777▲
2024 · €19,529
Debt to equity
0.62▼
2024 · 0.82
ROE
12.2%▼
2024 · 14.0%
Interest coverage
15.00▼
2024 · 15.53
Debt ≤ 1 year
€22,072▲
2024 · €18,285
Debt > 1 year
€37,354▼
2024 · €51,244
Income taxes
€5,413▼
2024 · €5,645
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,970 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,369 | €6,098 | €6,047 | €7,693 | €18,974 | ▲ 147% |
| Other operating charges640/8 | €373 | €925 | €884 | €1,011 | €820 | ▼ 18.9% |
| Gross operating margin9900 | €37,644 | €28,609 | €21,351 | €27,915 | €39,595 | ▲ 41.8% |
| Operating profit (loss)9901 | €31,903 | €21,586 | €14,419 | €19,212 | €19,801 | ▲ 3.1% |
| Financial income75/76B | €4 | - | €0 | €1 | €0 | ▼ 99.0% |
| Recurring financial income75 | €4 | - | €0 | €1 | €0 | ▼ 99.0% |
| Financial charges65/66B | €37 | €204 | €273 | €1,732 | €2,585 | ▲ 49.3% |
| Recurring financial charges65 | €37 | €204 | €273 | €1,732 | €2,585 | ▲ 49.3% |
| Profit (loss) for the period before taxes9903 | €31,870 | €21,382 | €14,146 | €17,481 | €17,216 | ▼ 1.5% |
| Income taxes67/77 | €9,672 | €6,910 | €4,966 | €5,645 | €5,413 | ▼ 4.1% |
| Profit (loss) for the period9904 | €22,198 | €14,472 | €9,180 | €11,836 | €11,803 | ▼ 0.3% |
| Profit (loss) for the period to be appropriated9905 | €22,198 | €14,472 | €9,180 | €11,836 | €11,803 | ▼ 0.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €75,358 | €86,761 | €87,090 | €154,136 | €155,837 | ▲ 1.1% |
| Fixed assets21/28 | €17,539 | €21,139 | €16,047 | €94,328 | €75,354 | ▼ 20.1% |
| Tangible fixed assets22/27 | €17,539 | €21,139 | €16,047 | €94,328 | €75,354 | ▼ 20.1% |
| Furniture and vehicles24 | €9,643 | €5,078 | €1,938 | €76,184 | €59,701 | ▼ 21.6% |
| Other tangible fixed assets26 | €7,895 | €16,060 | €14,109 | €18,145 | €15,653 | ▼ 13.7% |
| Current assets29/58 | €57,819 | €65,623 | €71,042 | €59,808 | €80,483 | ▲ 34.6% |
| Amounts receivable within one year40/41 | €13,885 | €15,128 | €10,925 | €9,678 | €13,455 | ▲ 39.0% |
| Trade receivables40 | €12,561 | €13,862 | €7,472 | €8,258 | €12,196 | ▲ 47.7% |
| Other amounts receivable41 | €1,323 | €1,266 | €3,453 | €1,420 | €1,259 | ▼ 11.3% |
| Cash at bank and in hand54/58 | €43,935 | €49,800 | €59,429 | €50,130 | €66,892 | ▲ 33.4% |
| Deferred charges and accrued income490/1 | - | €695 | €688 | - | €136 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €75,358 | €86,761 | €87,090 | €154,136 | €155,837 | ▲ 1.1% |
| Equity10/15 | €49,119 | €63,591 | €72,771 | €84,607 | €96,410 | ▲ 14.0% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Reserves13 | €46,250 | €60,250 | €69,250 | €81,000 | €92,750 | ▲ 14.5% |
| Non-distributable reserves130/1 | €250 | €250 | €250 | - | - | - |
| Reserves not available under the articles1311 | €250 | €250 | €250 | - | - | - |
| Distributable reserves133 | €46,000 | €60,000 | €69,000 | €81,000 | €92,750 | ▲ 14.5% |
| Profit (loss) carried forward14 | €369 | €841 | €1,021 | €1,107 | €1,160 | ▲ 4.8% |
| Amounts payable17/49 | €26,239 | €23,170 | €14,318 | €69,529 | €59,426 | ▼ 14.5% |
| Amounts payable after more than one year17 | - | - | - | €51,244 | €37,354 | ▼ 27.1% |
| Financial debts170/4 | - | - | - | €51,244 | €37,354 | ▼ 27.1% |
| Amounts payable within one year42/48 | €26,239 | €23,170 | €14,318 | €18,285 | €22,072 | ▲ 20.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | €13,325 | €13,890 | ▲ 4.2% |
| Trade debts44 | €503 | €3,573 | €2,903 | €1,526 | €636 | ▼ 58.3% |
| Suppliers440/4 | €503 | €3,573 | €2,903 | €1,526 | €636 | ▼ 58.3% |
| Taxes, remuneration and social security45 | €25,736 | €19,598 | €11,415 | €3,434 | €7,547 | ▲ 120% |
| Taxes450/3 | €25,736 | €19,598 | €11,415 | €3,434 | €7,547 | ▲ 120% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,198 | €14,472 | €9,180 | €11,836 | €11,803 | ▼ 0.3% |
| + Depreciation and write-downs630 | €5,369 | €6,098 | €6,047 | €7,693 | €18,974 | ▲ 147% |
| Operating cash flow (approximation) | €27,566 | €20,570 | €15,228 | €19,529 | €30,777 | ▲ 57.6% |
| Investment in fixed assets (approximation) | - | -€9,698 | -€956 | -€85,974 | €0 | ▲ 100% |
| Change in cash | - | €5,865 | €9,629 | -€9,299 | €16,762 | ▲ 280% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €9,180 ▼36.6%
Net result drops to €9,180, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Mechelen · 1 establishment unit since 2019
Ground area
248 m²
Building footprint
90 m²
Volume, LiDAR
554 m³
Parcel 12404F0547/00R000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SE-IT
since 20192.287.468.252
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12404F0547/00R000 | Flanders | 247 m² | 1 · 90 m² | 10.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 3,708 EUR awarded · 3,707 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 392 EUR | 1,730 EUR |
| 2024 | 1 | 2,236 EUR | 897 EUR |
| 2023 | 1 | 1,080 EUR | 1,080 EUR |
Similar companies · same sector, comparable size
BM COMPUTERADVIES
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DELFRANC
BE 0447.901.755
Walcourt · Eq €96,404
STEVENS CONSULTING
BE 0559.990.502
Bornem · Eq €96,421
TechWise-IT
BE 1001.071.672
Oudsbergen · Eq €96,427
VERMAN CONSULTING
BE 0890.428.722
Beveren-Kruibeke-Zwijndrecht · Eq €96,430
Of 30,007 companies in sector 62200 we hold annual accounts for 18,400. 15,578 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-03-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
46500Wholesale of information and communication equipment
47400Retail sale of information and communication equipment
62100Computer programming
74120Graphic design and visual communication
Contact
Phone
015611973Mechelen
E-invoicing
Reachable via Peppol
Peppol ID
0208:0723481428
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.