Age15 yrs
Real estate1 parcel · 1,666 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of SÉBACOOP is 0.6% (low). The 2025 annual accounts show equity of €20k and a net result of €-5k. The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.6%
Low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form
−No NACE activity registered
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-10-2025, 120 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2025 | 31-01-2026 | 03-10-2025 | 120 d early | 2025-00531878 |
| 30-06-2024 | 31-01-2025 | 03-10-2024 | 120 d early | 2024-00492077 |
| 30-06-2023 | 31-01-2024 | 10-10-2023 | 113 d early | 2023-00480642 |
| 30-06-2022 | 31-01-2023 | 21-10-2022 | 102 d early | 2022-20477023 |
| 30-06-2021 | 31-01-2022 | 29-09-2021 | 124 d early | 2021-69600289 |
| 30-06-2020 | 31-01-2021 | 30-09-2020 | 123 d early | 2020-57600145 |
| 30-06-2019 | 31-01-2020 | 07-10-2019 | 116 d early | 2019-68900004 |
| 30-06-2018 | 31-01-2019 | 23-10-2018 | 100 d early | 2018-69800347 |
| 30-06-2017 | 31-01-2018 | 27-10-2017 | 96 d early | 2017-67800462 |
| 30-06-2016 | 31-01-2017 | 09-12-2016 | 53 d early | 2016-69500565 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsEstablished
Founded in 2010, 15 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (micro schema)
EBIT marginNot published (micro schema)
Net result€-5k
Working capital€20k
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 03-10-2025 with the NBB · fiscal year 2025 · micro
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €-5k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €141k |
| Equity | €20k |
| Debt | €121k |
| of which ≤ 1y | €120k |
| of which > 1y | - |
| Working capital | €20k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.17 |
| Quick ratio | 1.17 |
| Working capital ratio | 14.6% |
| Solvency | 14.1% |
| Debt / equity | 6.08 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -3.6% |
| ROE | -25.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (17 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €141k |
| Current assets | 29/58 | €141k |
| Amounts receivable within one year | 40/41 | €24k |
| Cash & bank | 54/58 | €116k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €141k |
| Equity | 10/15 | €20k |
| Contributions / capital | 10/11 | €69k |
| Accumulated profits (losses) | 14 | €-49k |
| Amounts payable | 17/49 | €121k |
| Amounts payable within one year | 42/48 | €120k |
| Income statement | ||
| Gross operating margin | 9900 | €-5k |
| Operating result | 9901 | €-5k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €109 |
| Result before taxes | 9903 | €-5k |
| Net result for the period | 9904 | €-5k |
| Result to be appropriated | 9905 | €-5k |
Ratios computed by Checked.
Health barometer
FY 2025 · computed40
/ 100
Weak
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Directors
Directors & mandates
9 directorsCurrent directors & mandates
-
VANDER STICHELE Jan AlfonsDirectorState Gazette act 24439385 (25-10-2024)Current28-08-2024 → present
2 events
- 28-08-2024 Appointed· Director
- 28-08-2024 Appointed· Chair
-
Franck DierckxDirectorState Gazette act 23139316 (03-11-2023)Current03-11-2023 → present
-
Juan de HemptinneDirectorState Gazette act 23139316 (03-11-2023)Current03-11-2023 → present
-
Olivier HamoirDirectorState Gazette act 23139316 (03-11-2023)Current03-11-2023 → present
-
Paul Cornet de Ways-RuartDirectorState Gazette act 23139316 (03-11-2023)Current03-11-2023 → present
-
Sandrine HirschDirectorState Gazette act 23139316 (03-11-2023)Current03-11-2023 → present
Show 1 more sitting directors
-
Valentine de Pret Roose de CalesbergDirectorState Gazette act 23139316 (03-11-2023)Current03-11-2023 → present
Former directors (2)
-
Joséphine de MéviusDirectorState Gazette act 25052660 (23-04-2025)Former- → 23-04-2025
-
HAMOIR Olivier FrançoiseDirectorState Gazette act 24439385 (25-10-2024)Former- → 28-08-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | - |
| Legal form | Cooperative company(706) |
| Incorporation | 17-09-2010 |
| Status | Active |
| Postal code | 1050 |
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Gachardstraat 881050 ElseneParcels1
Ground area1,666 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0149/00W000 | Brussels | 1,666 m² | - | - |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
5 acts Address history · 1
01-02-2022
Registered-office move
All acts · 5
updated 1 year ago
2025
23-04-2025 Joséphine de Mévius resigns as director
- Joséphine de Mévius, Bestuurder
2024
25-10-2024 2 directors appointed, 1 resigning
- VANDER STICHELE Jan Alfons, Bestuurder
- VANDER STICHELE Jan Alfons, Voorzitter
- HAMOIR Olivier Françoise, Bestuurder
Notary:
Peter VAN MELKEBEKE · BruxellesFirm:
BERQUIN NOTAIRES
2023
03-11-2023 6 directors appointed
- Paul Cornet de Ways-Ruart, Bestuurder
- Juan de Hemptinne, Bestuurder
- Valentine de Pret Roose de Calesberg, Bestuurder
- Olivier Hamoir, Bestuurder
- Franck Dierckx, Bestuurder
- Sandrine Hirsch, Bestuurder
02-02-2023 3 directors appointed, 3 reappointed
- Alexandre de Pret Roose de Calesberg, Commissaris
- Joséphine de Mévius, Commissaris
- Etienne Adriaenssen, Commissaris
- Adelin Coigny, Commissaris
- Antoine Van Eecke, Commissaris
- Rodolphe de Spoelberch, Commissaris
2022
01-02-2022 Registered office moved within Bruxelles
- RUE GACHARD 88 boîte 14, 1050 Ixelles, Belgique → Avenue Louise 240 boîte 14- 1050 Bruxelles
Analysis
Financial profile
4 of 5 axes measured37
/ 100
Fragile profile, watch profitability in particular.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
40
Profitability
0
Solvency
24
Growth
-
Stability
85
Credit advice
verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads BankNames & trade names
| Legal nameFR | SÉBACOOP |
Registered office
Gachardstraat 88 bus 14
1050 Elsene, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.