SEALPHI
ActiveSEALPHI has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k. Equity is shrinking by ~50.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability-
Solvency34=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 4.83 against 3.38 in 2024), but 99.3% 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.
−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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12632 sector peers (2025).
NBB · sector comparisonPosition among 12632 sector peers
Solvency
better than 5%
← weakest
strongest →
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 16-10-2025, 107 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
107 d early
2024
50 d early
2023
1 d early
2022
47 d early
2021
48 d early
2020
46 d early
2019
44 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 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k=
2024 · €1k
2019: €33k
2020: €39k
2021: €20k
2022: €20k
2023: €1k
2024: €1k
2019 → 2025
Total assets
€143k▲ 0.1%
2024 · €143k
2019: €251k
2020: €117k
2021: €144k
2022: €148k
2023: €227k
2024: €143k
2019 → 2025
Net result
€0
2021 · €-19k
2019: €2k
2020: €7k
2021: €-19k
2019 → 2022
Working capital
€110k▲ 13.1%
2024 · €97k
2019: €121k
2020: €104k
2021: €121k
2022: €119k
2023: €98k
2024: €97k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k=€1k▼ 95.0%€1k=€1k=
Operating result€-19k-€-33▲ 99.8%€52€44▼ 14.7%€243▲ 448%
Net result€-19k-€0
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 recovers in 2025; 2025 is 448% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €143k
Fixed assets
€4k▼ 9.6%
Current assets
€139k▲ 0.4%
Equity and liabilities €143k
Equity
€1k=
Debt
€142k▲ 0.1%
The debt ratio stays at 99.3%.
Key figures and ratios
EBITDA
€716▼
2024 · €982
Solvency
0.7%▼
2024 · 0.7%
Current ratio
4.83▲
2024 · 3.38
Quick ratio
4.83▲
2024 · 3.38
Interest coverage
2.94▼
2024 · 5.57
Debt
€142k▲
2024 · €142k
Debt ≤ 1 year
€29k▼
2024 · €41k
Staff costs
€28k▼
2024 · €30k
A ratio outside any meaningful range has been withheld (balance sheet total €143k, equity €1k).
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€143k€143k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€554€81▼
Furniture and vehicles24€554€81▼
Financial fixed assets28€4k€4k=
Current assets29/58€138k€139k▲
Amounts receivable within one year40/41€19k€22k▲
Trade receivables40€19k€22k▲
Cash at bank and in hand54/58€118k€117k▼
Deferred charges and accrued income490/1€743€605▼
Equity and liabilities
Total equity and liabilities10/49€143k€143k▲
Equity10/15€1k€1k=
Contributions10/11€1k€1k=
Amounts payable17/49€142k€142k▲
Amounts payable within one year42/48€41k€29k▼
Trade debts44€26k€2k▼
Suppliers440/4€26k€2k▼
Taxes, remuneration and social security45€10k€5k▼
Taxes450/3€6k€5k▼
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€4k€21k▲
Accrued charges and deferred income492/3€101k€113k▲
Income statement
Code20242025
Remuneration, social security and pensions62€30k€28k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€937€473▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€32k€31k▼
Operating profit (loss)9901€44€243▲
Financial income75/76B€132€0▼
Recurring financial income75€132€0▼
Financial charges65/66B€176€243▲
Recurring financial charges65€176€243▲
The notes to these accounts (11 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
2025
16-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
14-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €-19k ▼394%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
2020
16-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Highest result since 2019net €7k ▲256%
Operating result €10k, net result €7k, both a record.
30-06
Financial
Liquidity times 5current ratio 9.20
Current ratio from 1.94 to 9.20; short-term debt falls from €129k to €13k.
2019
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
27-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-01-2023
Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2018
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.
Schermersstraat 302000 AntwerpenGround area
309 m²
Building footprint
281 m²
Volume, LiDAR
3,546 m³
Parcel 11804D1914/00H000, Flanders · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Schermersstraat 30, 2000 Antwerpen
since 20182.279.229.487
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11804D1914/00H000 | Flanders | 309 m² | 1 · 281 m² | 17.8 m · 5 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 22,018 companies in sector 69101 we hold annual accounts for 9,028. 912 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-2015
Fiscal year end30-06
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.