SEACOL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €673k and a net result of €254k. Equity is growing by ~43.1% per year across the filed fiscal years. Its solvency ranks better than 42% of 8024 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
on the day
2023
1 d early
2022
11 d early
2021
3 d early
2020
26 d late
2019
17 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€673k▲ 12.3%
2024 · €599k
2019: €93k
2020: €138k
2021: €218k
2022: €230k
2023: €493k
2024: €599k
2019 → 2025
Net result
€254k▼ 0.2%
2024 · €254k
2019: €113k
2020: €185k
2021: €173k
2022: €143k
2023: €390k
2024: €254k
2019 → 2025
Total assets
€1.63M▲ 1.1%
2024 · €1.61M
2019: €1.07M
2020: €982k
2021: €1.00M
2022: €1.67M
2023: €1.52M
2024: €1.61M
2019 → 2025
Solvency
41.3%▲ 4.1pp
2024 · 37.1%
2019: 8.7%
2020: 14.1%
2021: 21.8%
2022: 13.8%
2023: 32.5%
2024: 37.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€218k-€230k▲ 5.1%€493k▲ 115%€599k▲ 21.5%€673k▲ 12.3%
Operating result€224k-€189k▼ 15.8%€558k▲ 196%€374k▼ 33.0%€351k▼ 6.1%
Net result€173k-€143k▼ 17.7%€390k▲ 173%€254k▼ 34.8%€254k▼ 0.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.63M
Fixed assets
€1.35M▲ 1.9%
Current assets
€277k▼ 2.9%
Equity and liabilities €1.63M
Equity
€673k▲ 12.3%
Debt
€957k▼ 5.6%
The debt ratio falls from 62.9% to 58.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
41.3%▲
2024 · 37.1%
ROE
37.7%▼
2024 · 42.4%
ROA
15.6%▼
2024 · 15.8%
Debt
€957k▼
2024 · €1.01M
Debt ≤ 1 year
€557k▲
2024 · €533k
Debt > 1 year
€394k▼
2024 · €479k
Income taxes
€88k▼
2024 · €108k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.61M€1.63M▲
Fixed assets21/28€1.33M€1.35M▲
Tangible fixed assets22/27€1.33M€1.35M▲
Land and buildings22€1.32M€1.32M=
Plant, machinery and equipment23€784€2k▲
Furniture and vehicles24€5k€30k▲
Current assets29/58€285k€277k▼
Amounts receivable within one year40/41€5k€31k▲
Trade receivables40€3k-
Other amounts receivable41€2k€31k▲
Current investments50/53€110k-
Cash at bank and in hand54/58€167k€245k▲
Deferred charges and accrued income490/1€4k€746▼
Equity and liabilities
Total equity and liabilities10/49€1.61M€1.63M▲
Equity10/15€599k€673k▲
Contributions10/11€19k€19k=
Reserves13€580k€654k▲
Tax-exempt reserves132€19k€19k=
Distributable reserves133€561k€635k▲
Amounts payable17/49€1.01M€957k▼
Amounts payable after more than one year17€479k€394k▼
Financial debts170/4€479k€394k▼
Amounts payable within one year42/48€533k€557k▲
Current portion of amounts payable after more than one year42€120k€122k▲
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€57k€84k▲
Taxes450/3€57k€84k▲
Other amounts payable47/48€349k€350k▲
Accrued charges and deferred income492/3€1k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€39k▼
Other operating charges640/8€8k€12k▲
Gross operating margin9900€424k€402k▼
Operating profit (loss)9901€374k€351k▼
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€15k€14k▼
Recurring financial charges65€15k€14k▼
Profit (loss) for the period before taxes9903€362k€342k▼
Income taxes67/77€108k€88k▼
Profit (loss) for the period9904€254k€254k▼
Profit (loss) for the period to be appropriated9905€254k€254k▼
Appropriation of the result
Profit (loss) to be appropriated9906€254k€254k▼
Transfer from equity791/2€148k€33k▼
Transfer to equity691/2€254k€107k▼
To other reserves6921€254k€107k▼
Profit to be distributed694/7€148k€180k▲
Return on contributions (dividend)694€128k€160k▲
Directors or managers695€20k€20k=
The notes to these accounts (6 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €500kEq €599k ▲21.5%
6 profitable years in a row build equity to €599k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €390k ▲173%
Operating result €558k, net result €390k, both a record.
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Equity above €200kEq €218k ▲58.1%
3 profitable years in a row build equity to €218k.
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
30-06
Financial
Equity above €100kEq €138k ▲48.9%
2 profitable years in a row build equity to €138k.
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
07-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, De Panne · 1 establishment unit since 2010
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.
Zeedijk 98660 De PanneGround area
639 m²
Building footprint
500 m²
Volume, LiDAR
9,607 m³
Parcel 38352E0607/00A000, Flanders · tallest building 29.6 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Seacol
since 20102.194.039.337
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38352E0607/00A000 | Flanders | 639 m² | 1 · 500 m² | 29.6 m · 8 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,359 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2010
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.