Summary
SEBACO 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 €93,287 and a net result of €2,222. Equity is growing by ~28.4% per year across the filed fiscal years. Its solvency ranks better than 28% of 2409 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 24-12-2025, 38 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
38 d early
2024
34 d early
2023
40 d early
2022
55 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 42 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, full schema
Equity
€93,287▲ 2.4%
2024 · €91,065
Net result
€2,222▼ 88.5%
2024 · €19,317
Total assets
€269,936▼ 10.1%
2024 · €300,266
Solvency
34.6%▲ 4.2pp
2024 · 30.3%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€11,303-€15,862▲ 40.3%€8,770▼ 44.7%-€8,877
Net result€8,343-€63,805▲ 665%€19,317▼ 69.7%€2,222▼ 88.5%
Equity€9,543-€72,548▲ 660%€91,065▲ 25.5%€93,287▲ 2.4%
Total assets€22,833-€232,455▲ 918%€300,266▲ 29.2%€269,936▼ 10.1%
Debt€13,291-€159,907▲ 1,103%€209,201▲ 30.8%€176,649▼ 15.6%
Working capital€9,543-€1,186▼ 87.6%-€19,345-€33,307▼ 72.2%
Solvency41.8%-31.2%▼ 10.6pp30.3%▼ 0.9pp34.6%▲ 4.2pp
Why a figure moved sharply
- 2023 Total assets +918% on 2022. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8,877 after €8,770 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €269,936
Fixed assets
€211,131 ▼ 7.2%
Current assets
€58,805 ▼ 19.2%
Equity and liabilities €269,936
Equity
€93,287 ▲ 2.4%
Debt
€176,649 ▼ 15.6%
Debt's share of the balance-sheet total falls from 69.7% to 65.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
2.4%▼
2024 · 21.2%
ROA
0.8%▼
2024 · 6.4%
Debt ≤ 1 year
€92,112=
2024 · €92,154
Debt > 1 year
€84,537▼
2024 · €117,047
Income taxes
€324▼
2024 · €1,543
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €14 | €3,546 | €16,327 | ▲ 360% |
| Other operating charges640/8 | - | €25 | €2,629 | €1,529 | ▼ 41.8% |
| Gross operating margin9900 | €11,303 | €15,901 | €14,946 | €8,979 | ▼ 39.9% |
| Operating profit (loss)9901 | €11,303 | €15,862 | €8,770 | -€8,877 | ▼ 201% |
| Financial income75/76B | - | €60,000 | €15,000 | €16,000 | ▲ 6.7% |
| Recurring financial income75 | - | €60,000 | €15,000 | €16,000 | ▲ 6.7% |
| Financial charges65/66B | - | €2,784 | €2,910 | €4,577 | ▲ 57.3% |
| Recurring financial charges65 | - | €2,784 | €2,910 | €4,577 | ▲ 57.3% |
| Profit (loss) for the period before taxes9903 | €11,303 | €73,078 | €20,861 | €2,546 | ▼ 87.8% |
| Income taxes67/77 | €2,961 | €9,273 | €1,543 | €324 | ▼ 79.0% |
| Profit (loss) for the period9904 | €8,343 | €63,805 | €19,317 | €2,222 | ▼ 88.5% |
| Profit (loss) for the period to be appropriated9905 | €8,343 | €63,805 | €19,317 | €2,222 | ▼ 88.5% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €22,833 | €232,455 | €300,266 | €269,936 | ▼ 10.1% |
| Fixed assets21/28 | - | €150,908 | €227,457 | €211,131 | ▼ 7.2% |
| Tangible fixed assets22/27 | - | €908 | €77,457 | €61,131 | ▼ 21.1% |
| Plant, machinery and equipment23 | - | €908 | €600 | €293 | ▼ 51.2% |
| Furniture and vehicles24 | - | - | €76,857 | €60,838 | ▼ 20.8% |
| Financial fixed assets28 | - | €150,000 | €150,000 | €150,000 | = |
| Current assets29/58 | €22,833 | €81,547 | €72,809 | €58,805 | ▼ 19.2% |
| Amounts receivable within one year40/41 | €7,260 | - | €3,864 | €12,938 | ▲ 235% |
| Trade receivables40 | €7,260 | - | - | €7,260 | - |
| Other amounts receivable41 | - | - | €3,864 | €5,678 | ▲ 47.0% |
| Cash at bank and in hand54/58 | - | €81,547 | €66,778 | €43,557 | ▼ 34.8% |
| Deferred charges and accrued income490/1 | €15,573 | - | €2,168 | €2,310 | ▲ 6.5% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €22,833 | €232,455 | €300,266 | €269,936 | ▼ 10.1% |
| Equity10/15 | €9,543 | €72,548 | €91,065 | €93,287 | ▲ 2.4% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €7,000 | €67,000 | €67,000 | €67,000 | = |
| Distributable reserves133 | €7,000 | €67,000 | €67,000 | €67,000 | = |
| Profit (loss) carried forward14 | €543 | €3,548 | €22,065 | €24,287 | ▲ 10.1% |
| Amounts payable17/49 | €13,291 | €159,907 | €209,201 | €176,649 | ▼ 15.6% |
| Amounts payable after more than one year17 | - | €79,383 | €117,047 | €84,537 | ▼ 27.8% |
| Financial debts170/4 | - | €79,383 | €117,047 | €84,537 | ▼ 27.8% |
| Amounts payable within one year42/48 | €13,291 | €80,361 | €92,154 | €92,112 | = |
| Current portion of amounts payable after more than one year42 | - | €10,617 | €32,733 | €33,724 | ▲ 3.0% |
| Trade debts44 | - | - | - | €625 | - |
| Suppliers440/4 | - | - | - | €625 | - |
| Taxes, remuneration and social security45 | €9,741 | €12,883 | €4,543 | €3,000 | ▼ 34.0% |
| Taxes450/3 | €9,741 | €12,883 | €4,543 | €3,000 | ▼ 34.0% |
| Other amounts payable47/48 | €3,550 | €56,861 | €54,879 | €54,762 | ▼ 0.2% |
| Accrued charges and deferred income492/3 | - | €164 | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,343 | €63,805 | €19,317 | €2,222 | ▼ 88.5% |
| + Depreciation and write-downs630 | - | €14 | €3,546 | €16,327 | ▲ 360% |
| Operating cash flow (approximation) | €8,343 | €63,820 | €22,864 | €18,549 | ▼ 18.9% |
| Investment in fixed assets (approximation) | - | - | -€80,096 | €0 | ▲ 100% |
| Change in cash | - | - | -€14,770 | -€23,220 | ▼ 57.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
24-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
30-06
Financial
Weakest financial yearnet €2,222 ▼88.5%
Net result drops to €2,222, the lowest in the series.
2024
28-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
30-06
Financial
Highest result since 2022net €63,805 ▲665%
Operating result €15,862, net result €63,805, both a record.
2022
07-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Sprimont · 1 establishment unit since 2021
Ground area
719 m²
Building footprint
110 m²
Volume, LiDAR
697 m³
Parcel 62045A0112/00R000, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SEBACO
since 20212.322.541.373
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62045A0112/00R000 | Wallonia | 718 m² | 1 · 110 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 24,729 companies in sector 64210 we hold annual accounts for 19,773. 12,155 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-09-2021
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0774499567
Registered
20-10-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.