SEB Holding
ActiveSEB Holding 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 €81k and a net result of €23k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 17% of 5495 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 5495 sector peers (2025).
NBB · sector comparisonPosition among 5495 sector peers
Solvency
better than 17%
← weakest
strongest →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
122 d early
2023
29 d early
2022
41 d early
2021
31 d early
2020
12 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€81k▲ 22.7%
2024 · €66k
2020: €32k
2021: €36k
2022: €50k
2023: €58k
2024: €66k
2020 → 2025
Net result
€23k▲ 75.1%
2024 · €13k
2020: €2k
2021: €9k
2022: €19k
2023: €14k
2024: €13k
2020 → 2025
Total assets
€550k▼ 2.3%
2024 · €563k
2020: €311k
2021: €434k
2022: €633k
2023: €588k
2024: €563k
2020 → 2025
Solvency
14.7%▲ 3.0pp
2024 · 11.7%
2020: 10.2%
2021: 8.3%
2022: 7.8%
2023: 9.9%
2024: 11.7%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€50k▲ 37.6%€58k▲ 17.5%€66k▲ 13.5%€81k▲ 22.7%
Operating result€13k-€9k▼ 29.8%€10k▲ 14.2%€14k▲ 35.7%€21k▲ 50.9%
Net result€9k-€19k▲ 100%€14k▼ 26.3%€13k▼ 5.8%€23k▲ 75.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 51% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €548k
Fixed assets
€424k▼ 5.5%
Current assets
€123k▲ 11.1%
Equity and liabilities €550k
Equity
€81k▲ 22.7%
Debt
€469k▼ 5.7%
The debt ratio falls from 88.3% to 85.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
14.7%▲
2024 · 11.7%
ROE
27.8%▲
2024 · 19.5%
ROA
4.1%▲
2024 · 2.3%
Debt
€469k▼
2024 · €497k
Debt ≤ 1 year
€445k▼
2024 · €490k
Debt > 1 year
€23k▲
2024 · €6k
Income taxes
€5k▲
2024 · €2k
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€563k€550k▼
Formation expenses20€3k€2k▼
Fixed assets21/28€449k€424k▼
Financial fixed assets28€449k€424k▼
Current assets29/58€111k€123k▲
Amounts receivable within one year40/41€83k€93k▲
Trade receivables40€36k€57k▲
Other amounts receivable41€47k€36k▼
Cash at bank and in hand54/58€28k€30k▲
Deferred charges and accrued income490/1€37€33▼
Equity and liabilities
Total equity and liabilities10/49€563k€550k▼
Equity10/15€66k€81k▲
Contributions10/11€30k€30k=
Reserves13€21k€31k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€20k€30k▲
Profit (loss) carried forward14€15k€20k▲
Amounts payable17/49€497k€469k▼
Amounts payable after more than one year17€6k€23k▲
Financial debts170/4€6k€23k▲
Amounts payable within one year42/48€490k€445k▼
Current portion of amounts payable after more than one year42€27k-
Financial debts43€375k€405k▲
Credit institutions430/8€375k€405k▲
Trade debts44€4k€9k▲
Suppliers440/4€4k€9k▲
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Other amounts payable47/48€81k€26k▼
Accrued charges and deferred income492/3€1k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€566▼
Other operating charges640/8€463€500▲
Gross operating margin9900€16k€23k▲
Operating profit (loss)9901€14k€21k▲
Financial income75/76B€25k€22k▼
Recurring financial income75€25k€22k▼
Financial charges65/66B€24k€16k▼
Recurring financial charges65€24k€16k▼
Profit (loss) for the period before taxes9903€15k€28k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€13k€23k▲
Profit (loss) for the period to be appropriated9905€13k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€37k▲
Profit (loss) brought forward from the previous period14P€7k€15k▲
Transfer to equity691/2-€10k
To other reserves6921-€10k
Profit to be distributed694/7€5k€8k▲
Return on contributions (dividend)694€5k€8k▲
The notes to these accounts (9 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2020net €23k ▲75.1%
Operating result €21k, net result €23k, both a record.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Zemst · 1 establishment unit since 2019
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.
Zemstsesteenweg 11981 ZemstGround area
353 m²
Building footprint
39 m²
Volume, LiDAR
244 m³
Parcel 23034A0390/00W000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SEB Holding
since 20192.294.007.537
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23034A0390/00W000 | Flanders | 353 m² | 1 · 39 m² | 6.5 m · 2 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 24,637 companies in sector 64210 we hold annual accounts for 19,690. 11,757 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.