Liquidity
7.30 was 2.94 in 2024
Short-term debts fell from €14,262 to €2,738.
SEB'TECH
Lifetime
3 annual accounts with figures on one time axispeak €19,379 (2024)
-€5,104▼ €24,483
lowest -€10,404 (2025)
-€10,404▼ €29,313
peak €27,664 (2024)
€17,260▼ 37.6%
€2,738▼ 80.8%
Board1 name since 2023
1 directorSEBBAR Younes
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €19,379 to -€5,104Loss of €10,404Equity from €27,664 to €17,260Debts from €14,262 to €2,738Cash from €34,739 to €14,491
Key points
from the 2025 annual accountsFilings
3 annual accounts 3 late
The 2023 accounts came latest: 396 days after the end of the period.
Position in the sector
-€10,404
Lower net result than 88% of companies in specialised construction. Sector median €10,190 · 35,144 companies.
Turnover not published (micro format)
Checked score
56
Fair
Financially stronger than 50% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.5%
01-2025: 2.8%▲ +0.3 percentage points vs 12-2024
02-2025: 2.8%● unchanged vs 01-2025
03-2025: 3.1%▲ +0.3 percentage points vs 02-2025
04-2025: 3.2%▲ +0.1 percentage points vs 03-2025
05-2025: 3.0%▼ -0.2 percentage points vs 04-2025
06-2025: 3.3%▲ +0.3 percentage points vs 05-2025
07-2025: 3.4%▲ +0.1 percentage points vs 06-2025
08-2025: 3.5%▲ +0.1 percentage points vs 07-2025highest value
09-2025: 3.5%● unchanged vs 08-2025highest value
10-2025: 0.7%▼ -2.8 percentage points vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026lowest value
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.7%● unchanged vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026
07-2026: 0.7%● unchanged vs 06-2026
08-2026: 1.1%▲ +0.4 percentage points vs 07-2026
09-2026: 0.9%▼ -0.2 percentage points vs 08-2026
10-2026: 0.9%● unchanged vs 09-2026
11-2026: 0.9%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Last filed accounts filed 31 days late; 3 of the last 3 accounts late
Founded in 2023
lowers risk
Liquidity: current ratio 7.30, cash €14,491, halved
Equity €17,260 (86.3% of total assets)
Calculation
The band follows from the bankruptcy probability. 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 43, micro). It does better than 90% of them on solvency, 94% on liquidity, 4% on profitability and 12% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,223 companies had the same profile as SEB'TECH has now. Each dot stands for 9 companies, two years later.
87.8%
were still trading
8.7%
stopped another way
3.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SEB'TECH itself: 0.9% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,223 companies, not a prediction for SEB'TECH. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is ample, with a current ratio of 7.3 (2.94 in 2024), above the usual 1.5. Short-term debt is 13.7% and cash 72.5% of total assets. 13.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
31 days late
2024
31 days late
2023
396 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 153 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% 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 31 August (3 of the last 3 accounts filed within 366 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0804300244
First establishment
Sint-Annakerkstraat 72, Koekelberg
Incorporation
Founding capital of €1 · Founder: SEBBAR Younes · Appointment: SEBBAR Younes (director) · published on 28-07-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SEB'TECH Koekelberg | €19,997 | -€5,104 | 86.3% | - |
| Hectro Antwerp | €21,121 | -€2,043 | 32.0% | - |
| SRP Entreprise Nassogne | €18,547 | -€5,598 | -63.6% | - |
| ROWALL Kortenberg | €21,829 | -€5,279 | 30.6% | - |
| TOTAL PROJECTS Wommelgem | €18,561 | -€36,033 | -168.2% | - |
| S T ENERGIES Charleroi | €22,497 | -€3,801 | 25.3% | - |
| Royal Security Ostend | €21,806 | €992 | 8.9% | - |
These companies have the same main activity as SEB'TECH: general electrical installation work (NACE 43211). They are comparable in size and age: total assets between €18,500 and €22,500, founded in 2023.
Official details
Source: KBO- Status
- Active since 26-07-2023Normal situation
- Activity
- General electrical installation workNACE 43211and 3 others
- Establishment unit
- 2.358.185.5091081 Koekelberg, since 01-10-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 08-12-2025
Insights on SEB'TECH
SEB'TECH files the micro format. That format states no turnover. The gross margin fell from €8,811 in 2023 to -€5,104 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SEB'TECH
- What is the company number of SEB'TECH?
- The company number of SEB'TECH is 0804.300.244. The VAT number is the same number with BE in front: BE 0804.300.244.
- Where is SEB'TECH based?
- The registered office is at Sint-Annakerkstraat 72, 1081 Koekelberg.Company details
- What does SEB'TECH do?
- According to the KBO register, the main activity is general electrical installation work (NACE 43211).
- What is the legal form of SEB'TECH?
- SEB'TECH is a private limited company (BV).
- When was SEB'TECH founded?
- SEB'TECH was founded on 26-07-2023.
- Is SEB'TECH still active?
- Yes, SEB'TECH is an active enterprise in the KBO register.
- What is the turnover of SEB'TECH?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is SEB'TECH profitable?
- In financial year 2025, SEB'TECH made a loss of €10,404.
- Where can I find the annual accounts of SEB'TECH?
- SEB'TECH filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SEB'TECH due?
- SEB'TECH must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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