Liquidity
7.30 was 2.94 in 2024
Short-term debts fell from €14,262 to €2,738.
SEB'TECH
Overview
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.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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
Annual accounts 2025
- -€5,104
- €10,404
- €17,260▼ 37.6%
- €19,997▼ 52.3%
- Filing
- Filed on 31-08-2026
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.
Financials
Annual accounts 2025
micro format, filed on 31-08-2026, 31 days late-€5,104
▼ €24,483
-€6,674
▼ €25,666
-€10,404
▼ €29,313
€17,260
▼ 37.6%
86.3%
▲ 20.3 percentage points
7.30
▲ 4.36
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €19,997 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
86.3%
Higher than 91% of 35,156 companies in 2025.
7.30
Higher than 91% of 34,529 companies in 2025.
-52.0%
Lower than 95% of 34,730 companies in 2025.
SEB'TECH
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
19,997 | 41,926 | 28,435 | |
29/58 |
19,997 | 41,926 | 28,435 | |
40/41 |
5,506 | 7,187 | 17,768 | |
40 |
2,622 | 3,158 | 14,084 | |
41 |
2,884 | 4,029 | 3,684 | |
54/58 |
14,491 | 34,739 | 10,667 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
19,997 | 41,926 | 28,435 | |
10/15 |
17,260 | 27,664 | 8,755 | |
10/11 |
1 | 1 | 1 | |
14 |
17,259 | 27,663 | 8,754 | |
17/49 |
2,738 | 14,262 | 19,680 | |
42/48 |
2,738 | 14,262 | 19,680 | |
44 |
446 | 15 | 1,680 | |
440/4 |
446 | 15 | 1,680 | |
45 |
2,290 | 11,925 | 18,000 | |
450/3 |
290 | 900 | - | |
454/9 |
2,000 | 11,025 | 18,000 | |
47/48 |
2 | 2,322 | - | |
| Income statement | ||||
9900 |
-5,104 | 19,379 | 8,811 | |
640/8 |
1,570 | 387 | - | |
9901 |
-6,674 | 18,992 | 8,811 | |
75/76B |
68 | 35 | - | |
75 |
68 | 35 | - | |
65/66B |
420 | 119 | 57 | |
65 |
420 | 119 | 57 | |
9903 |
-7,026 | 18,909 | 8,754 | |
67/77 |
3,379 | - | - | |
9904 |
-10,404 | 18,909 | 8,754 | |
9905 |
-10,404 | 18,909 | 8,754 | |
| Appropriation of the result | ||||
9906 |
17,259 | 27,663 | 8,754 | |
14P |
27,663 | 8,754 | - | |
| Document | ||||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00500785.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| -20,248 | 24,072 | - | ||
| 17,260 | 27,664 | 8,755 | ||
| 86.3% | 66.0% | 30.8% | ||
| 7.30 | 2.94 | 1.44 | ||
| 0.16 | 0.52 | 2.25 | ||
| -60.3% | 68.4% | 100.0% | ||
| -52.0% | 45.1% | 30.8% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on SEB'TECH
The operating result for 2025 is a loss of €6,674, after a profit of €18,992 in 2024. It is the lowest result since 2023.
Debt's share of the balance-sheet total falls from 34.0% to 13.7%. Equity and debt are lower.
Board & ownership
Board
1 director, since incorporation- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 13 : Représentation de la société L’administrateur (chacun des administrateurs) représente la société à l'égard des tiers et en…”deed of 28-07-2023
Mandates through the years
1 name, the dashed line is todaySEBBAR Younes
Director
Director
Board
Mandates as a list
- SEBBAR Younes
- Director, appointed by deed of 28-07-2023, still in office
Control
Capital
- Contribution
- €1
- Source
- deed of 28-07-2023
Articles of association
deed of 28-07-2023 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 30 June at 18:00
Shareholders
At incorporation
deed of 28-07-2023 ↗
- SEBBAR Younes 10 shares · €1 in cash
Network & group
No group
SEB'TECH has no parent and no holdings in its annual accounts. SEBBAR Younes is the only director. SEB'TECH shares no director with another company.
At the same address
Sint-Annakerkstraat 72, 1081 Koekelberg · 2 other companies| Orthrus IT Consulting
registered office since 09-07-2018 · founded in 2018 |
total assets €114,989 (2025) 0699.746.617 |
| Association des copropriétaires de l'immeuble sis à 1081 Koekelberg, rue de l'Eglise -Sainte-Anne 72
registered office since 17-01-2018 |
founded in 2018 0690.610.405 |
Timeline
Timeline
10 events since 2023Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 31 days late
2025
Weakest financial year net -€10,404 The net result drops to -€10,404, the lowest from 2023 to 2025.
Liquidity more than doubled current ratio 7.30 The current ratio rises from 2.94 to 7.30. Short-term debt falls from €14,262 to €2,738.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0804300244
Annual accounts 2023 filed PDFmicro format · 396 days late
Annual accounts 2024 filed PDFmicro format · 31 days late
2024
Highest result from 2023 to 2025 net €18,909 ▲116% The operating result of €18,992 and the net result of €18,909 are both a record.
Liquidity doubles current ratio 2.94 The current ratio rises from 1.44 to 2.94. Short-term debt falls from €19,680 to €14,262.
2023
First establishment Sint-Annakerkstraat 72, Koekelberg
IncorporationFounding capital of €1 · Founder: SEBBAR Younes · Appointment: SEBBAR Younes (director) · published on 28-07-20234 points ▸
- Director appointment, SEBBAR Younes
- Founder, SEBBAR Younes
- Founding capital, €1
- Capital contribution, €1
- The deed holds 10 more points.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
SEB'TECH was incorporated on 26 July 2023 as a private limited company by one natural person, with a starting capital of €1.12 SEBBAR Younes is director of the company, appointed by deed of 28-07-2023.2 Total assets fell from €28,435 in 2023 to €19,997 in 2025.3
Company details
Identity
- Enterprise number
- 0804.300.244
- VAT number
- BE 0804.300.244
- Peppol ID
- 0208:0804300244
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 26-07-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 30 June at 18:00deed of 28-07-2023 (in French)
- Peppol
- Reachable since 08-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SEB'TECH in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 28-07-2023 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Rue de l'Eglise Sainte-Anne, 72/2.00, 1081 Koekelberg”deed of 28-07-2023 (in French)
Activities
NACEBEL 202543211
General electrical installation work main activity
43221
Plumbing work
Codes under NACEBEL 2008
43211
Specialised construction activities main activity
43221
Plumbing
43222
Specialised construction activities
43299
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Installations électriques; Plomberie; Chauffagiste; Frigoriste; Travaux d’installation générale; Tous produits alimentaires tels que…”deed of 28-07-2023 (in French)
28 activities
- Installations électriques
- Plomberie
- Chauffagiste
- Frigoriste
- Travaux d’installation générale
- Tous produits alimentaires tels que viandes,fruits,légumes,conserves,produits laitiers,produits de la mer,poissons,boucherie,articles de ménage et articles cadeaux,épices,herbes aromatiques,de vidéothèques,location de produits de divertissements,films et tout autre produit assimile tous textiles en général,vêtements divers,chaussures,cordonnerie,serrurerie,maroquinerie dans le sens le plus large ; tous produits de l’artisanat en général,tapisseries y compris les articles du tiers-monde ; tous les articles de parfumerie,de toilette,cosmétiques,produits de beauté,maquillage ainsi que savons et détergents ; tous les articles d’horticulture tels que fleurs,plantes,articles de jardinage,aménagement et entretien de jardins et de pépinières; tous livres,antiquités,brocantes,objets de décoration,machines industrielles ;
- Travaux de jardinage
- De montres,articles en métaux précieux et bijoux ;
- Tous appareils électroménagers,tous films de bandes magnétiques,cassettes,tous articles imprimés ou enregistrés permettant leur lecture,vision ou audition ; assistance en programmation,
- Cours d’informatique,assistance en logiciels informatiques,conseils et assistance dans le domaine de l’informatique,tous matériaux de bureau et de l’informatique.
- Matériaux de construction,matériel électrique et électronique,le sanitaire.
- D’appareil électronique,de satellite.
- Les travaux d’urbanisme,la conception d’immeuble,l’étude et la réalisation de travaux d’architecture ;
- La peinture,la maçonnerie,l’électricité,la toiture,serrurerie,la menuiserie,le plafonnage,le cimentage,la plomberie,la charpenterie,la menuiserie charpenterie.
- La promotion immobilière,les transactions immobilières,les financements des projets.
- L’installation d’appareil électrique,électronique ainsi que de satellite.
- Fournir tous services ou prestations au profit de toutes clientèles privées ou commerciales,notamment : le nettoyage et l’entretien d’immeubles,le nettoyage de vitres et de bureaux,de petits travaux de bureau,services intérimaires,sous-traitance ;
- Effectuer toutes opérations généralement quelconques se rapportant directement ou indirectement au commerce,à la fabrication,la location,l’achat,la vente en gros ou en détail,la représentation,la distribution,le service,le conditionnement,l’exploitation et le courtage,l’importation et l’exportation,soit pour son propre compte soit pour le compte d’un tiers.
- Exercer l’activité de courrier express.
- Accomplir tant en Belgique qu’à l’étranger,d’une manière générale,toutes les opérations commerciales,industrielles,financières,mobilières et immobilières se rapportant directement ou indirectement,entièrement ou partiellement à la réalisation de son objet.
- Exercer toute activité susceptible de favoriser la réalisation de son objet social et participer à une telle activité de quelque façon que ce soit.
- Participer dans ou se fusionner avec d’autres sociétés ou entreprises qui peuvent contribuer à son développement ou à la croissance de son entreprise.
- Aux entreprises générales de bâtiment ;
- De tous les articles électroménagers,électronique tels que télévision,radio,vidéo,etc.
- Tous produits de boulangerie et de pâtisserie,de tous produits alimentaires Et non alimentaires
- La production ainsi que la commercialisation de tous produits issus de l’agriculture.
- Tout travail de bâtiment non réglementés
- Tous snacks bars,brasseries,hôtels,restaurants,tavernes,cafés,cabarets,discothèques,buffets,vestiaires pour publics,locations de places,salles d’organisation,de banquet et service traiteur ; la messagerie,les services de fax,de cabines téléphoniques,cybercafé,Internet,et de photocopies,de laboratoire de développement photos,d’atelier de tournage,d’affûtage et de rectification de pièces mécaniques ; de taxis,transport rémunéré de personnes,courrier express,Car Wash,station service (tout carburants tels que mazout,diesel,gaz,…),garage avec atelier de réparation et négociant de véhicules à moteur neuf et d’occasion,établissement de démolition,entretien et dépannage,montages,démontage de pneus et équilibrage des roues ainsi que l’achat,la vente,l’import,l’export en gros et/ou en détail de pièces automobiles neuves ou d’occasion et accessoires automobiles; d’un salon de coiffure ; de salons lavoirs,salon de thé,petit travaux de bâtiment non réglementés
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Sint-Annakerkstraat 72 registered office 1081 Koekelberg | 01-10-2023 | 2.358.185.509 |
Buildings and parcels at the address
- Ground area
- 69 m²
- Buildings
- 63 m²
- Volume, LiDAR
- 847 m³
- Tallest building
- 15.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21492B0242/00D009 | 69 m² | 1 · 63 m² | 15.6 m · 5 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0804.300.244