SEBA
ActiveSEBA has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €271k and a net result of €4k. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 44% of 7673 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
69
/ 100
Healthy▼ -2 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability7▼-27
Solvency65▲+9
Growth55▼-16
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.1 in 2023), and 60.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
39.1%
Return on assets
0.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-09-2026, 38 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
38 d late
2023
58 d late
2022
57 d late
2021
74 d late
2020
95 d late
2019
62 d late
2018
70 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.40M▲ 11.3%
2022 · €1.26M
2018: €1.05M
2019: €1.25M
2020: €1.24M
2022: €1.26M
2018 → 2023
EBIT margin
3.5%▼ 4.7pp
2022 · 8.2%
2018: 2.5%
2019: 1.6%
2020: 7.2%
2022: 8.2%
2018 → 2023
Net result
€4k▼ 77.1%
2023 · €17k
2018: €9k
2019: €-26k
2020: €47k
2021: €18k
2022: €43k
2023: €17k
2018 → 2025
Working capital
€42k▲ 46.3%
2023 · €29k
2018: €23k
2019: €33k
2020: €56k
2021: €19k
2022: €31k
2023: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Turnover€1.24M-€1.26M€1.40M▲ 11.3%
Equity€177k-€194k▲ 9.5%€236k▲ 21.6%€242k▲ 2.6%€271k▲ 12.3%
Operating result€90k-€74k▼ 17.1%€103k▲ 38.5%€49k▼ 52.9%€71k▲ 45.3%
Net result€47k-€18k▼ 61.5%€43k▲ 138%€17k▼ 61.2%€4k▼ 77.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 45% above 2023.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €693k
Fixed assets
€388k▲ 2.6%
Current assets
€305k▼ 5.2%
Equity and liabilities €693k
Equity
€271k▲ 12.3%
Provisions
€28k
Debt
€394k▼ 14.1%
The debt ratio falls from 65.5% to 56.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€137k▲
2023 · €104k
Cash flow
€70k▼
2023 · €72k
Solvency
39.1%▲
2023 · 34.5%
Current ratio
1.16▲
2023 · 1.10
Quick ratio
1.08▲
2023 · 0.98
Debt / equity
1.45▼
2023 · 1.90
ROE
1.4%▼
2023 · 6.9%
ROA
0.6%▼
2023 · 2.4%
Interest coverage
2.30▼
2023 · 13.38
Debt
€394k▼
2023 · €459k
Debt ≤ 1 year
€263k▼
2023 · €293k
Debt > 1 year
€131k▼
2023 · €166k
Income taxes
€7k▲
2023 · €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 2023
Balance sheet
Code20232025
Assets
Total assets20/58€700k€693k▼
Fixed assets21/28€378k€388k▲
Tangible fixed assets22/27€366k€376k▲
Land and buildings22€274k€246k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€89k€127k▲
Financial fixed assets28€13k€13k=
Current assets29/58€322k€305k▼
Stocks and contracts in progress3€33k€20k▼
Stocks30/36€33k€20k▼
Amounts receivable within one year40/41€199k€175k▼
Trade receivables40€126k€133k▲
Other amounts receivable41€73k€41k▼
Cash at bank and in hand54/58€85k€105k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€700k€693k▼
Equity10/15€242k€271k▲
Contributions10/11€19k€19k=
Reserves13€21k€21k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€202k€232k▲
Provisions and deferred taxes16-€28k
Provisions for liabilities and charges160/5-€28k
Other liabilities and charges164/5-€28k
Amounts payable17/49€459k€394k▼
Amounts payable after more than one year17€166k€131k▼
Financial debts170/4€166k€131k▼
Amounts payable within one year42/48€293k€263k▼
Current portion of amounts payable after more than one year42€62k€65k▲
Trade debts44€74k€26k▼
Suppliers440/4€74k€26k▼
Taxes, remuneration and social security45€12k€21k▲
Taxes450/3€7k€16k▲
Remuneration and social security454/9€5k€5k▼
Other amounts payable47/48€145k€151k▲
Income statement
Code20232025
Turnover70€1.40M-
Non-recurring operating income76A-€34k
Goods, raw materials, services and sundry goods60/61€1.30M-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€66k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€28k
Other operating charges640/8€5k€7k▲
Non-recurring operating charges66A€78€848▲
Gross operating margin9900€108k€172k▲
Operating profit (loss)9901€49k€71k▲
Financial income75/76B€12k€18▼
Recurring financial income75€12k€18▼
Financial charges65/66B€42k€60k▲
Recurring financial charges65€8k€60k▲
Non-recurring financial charges66B€34k-
Profit (loss) for the period before taxes9903€19k€11k▼
Income taxes67/77€2k€7k▲
Profit (loss) for the period9904€17k€4k▼
Profit (loss) for the period to be appropriated9905€17k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€202k€232k▲
Profit (loss) brought forward from the previous period14P€185k€228k▲
The notes to these accounts (12 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
07-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 38 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
2022
31-12
Financial
Equity above €200kEq €236k ▲21.6%
3 profitable years in a row build equity to €236k.
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 74 days late
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 95 days late
2020
31-12
Financial
Back to profitnet €47k
Net result €47k after one loss-making year.
31-12
Financial
Equity above €150kEq €177k ▲34.9%
Equity rises from €131k to €177k.
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 62 days late
2019
31-12
Financial
Weakest financial yearnet €-26k ▼398%
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
07-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 38 days late
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Grimbergen · 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.
Sint-Amandsstraat 611853 GrimbergenGround area
414 m²
Building footprint
219 m²
Volume, LiDAR
1,350 m³
Parcel 23084A0322/00A005, Flanders · tallest building 14.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Amandsstraat 61, 1853 Grimbergen
since 20102.187.557.361
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084A0322/00A005 | Flanders | 414 m² | 1 · 219 m² | 14.9 m · 3 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.
Similar companies · same sector, comparable size
Gebroeders Verschueren
BE 0463.852.911
Hulshout · Eq €272k
IZK
BE 0697.970.032
Sint-Genesius-Rode · Eq €271k
AC INVEST
BE 0474.322.179
Heist-op-den-Berg · Eq €272k
DE VRESSE
BE 0423.351.253
Antwerpen · Eq €270k
BOUWBEDRIJF MENGELS
BE 0452.384.739
Riemst · Eq €270k
Of 15,437 companies in sector 43990 we hold annual accounts for 7,356. 5,478 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2010
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
43240Other construction installation
43299Specialised construction activities
43310Plastering work
43331Floor and wall tiling
43422Screed work
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.