SEBALION

Active

Private limited companyfounded 20206 yrs activeWalle(Kor) 113 Unit 09, 8500 Kortrijk, BelgiumKBO/BCE: BE 0745.723.033

The computed 12-month bankruptcy probability of SEBALION is 1.8% (moderate). The 2025 annual accounts show equity of €187k and a net result of €89k. Equity is growing by ~101.4% per year across the filed fiscal years. Its solvency ranks better than 27% of 27451 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

58 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability76▼-10

Solvency51▼-42

Growth85▲+7

Track record100

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €10k at 30 days acceptable

Liquidity tight (current ratio 1.41 against 3.07 in 2024; short-term debt: 29.3% and cash: 8.6% of total assets), and 74.4% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

25.6%

Return on assets

12.2%

Age of the figures

9 mo

Filed after the deadline

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. 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 · 5 filings

Deviation from the deadline

2025

31 d late

2024

29 d late

2023

30 d late

2022

31 d late

2021

13 d early

← before the deadline after the deadline →

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 months

Position in the running window

17-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Source amounts without an identifiable currency are assumed to be EUR.

Turnover

€1.30M▲ 123%

2024 · €583k

2024: €583k

2024 → 2025

EBIT margin

9.0%▼ 0.5pp

2024 · 9.5%

2024: 9.5%

2024 → 2025

Net result

€89k▲ 82.3%

2024 · €49k

2021: €47k 2022: €45k 2023: €32k 2024: €49k

2021 → 2025

Working capital

€88k▼ 8.5%

2024 · €96k

2021: €12k 2022: €17k 2023: €47k 2024: €96k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€583k€1.30M▲ 123%

Equity€12k-€17k▲ 44.5%€49k▲ 189%€98k▲ 99.9%€187k▲ 91.1%

Operating result€47k-€45k▼ 6.1%€38k▼ 15.5%€55k▲ 47.1%€118k▲ 112%

Net result€47k-€45k▼ 3.2%€32k▼ 29.1%€49k▲ 52.6%€89k▲ 82.3%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2023 the operating result has climbed two years in a row; 2025 is 112% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €729k

58.6%

41.4%

Fixed assets €427k▲ 29,924%

Current assets €302k▲ 111%

Equity and liabilities €729k

25.6%

74.4%

Equity €187k▲ 91.1%

Debt €542k▲ 1,063%

The debt ratio rises from 32.3% to 74.4%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€129k▲

2024 · €56k

Cash flow

€100k▲

2024 · €49k

Solvency

25.6%▼

2024 · 67.7%

Current ratio

1.41▼

2024 · 3.07

Quick ratio

1.37▼

2024 · 2.95

Debt / equity

2.90▲

2024 · 0.48

ROE

47.7%▼

2024 · 50.0%

ROA

12.2%▼

2024 · 33.8%

Interest coverage

13.31▼

2024 · 371.25

Debt

€542k▲

2024 · €47k

Debt ≤ 1 year

€214k▲

2024 · €47k

Debt > 1 year

€327k

Income taxes

€30k▲

2024 · €12k

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 2024

Balance sheet Code20242025

Assets

Total assets20/58€144k€729k▲

Fixed assets21/28€1k€427k▲

Tangible fixed assets22/27€1k€427k▲

Land and buildings22-€392k

Plant, machinery and equipment23-€6k

Furniture and vehicles24€1k€30k▲

Current assets29/58€143k€302k▲

Stocks and contracts in progress3€5k€10k▲

Stocks30/36€5k€10k▲

Amounts receivable within one year40/41€86k€207k▲

Trade receivables40€56k€129k▲

Other amounts receivable41€30k€78k▲

Current investments50/53-€20k

Cash at bank and in hand54/58€51k€63k▲

Deferred charges and accrued income490/1€40€2k▲

Equity and liabilities

Total equity and liabilities10/49€144k€729k▲

Equity10/15€98k€187k▲

Contributions10/11€5k€5k=

Reserves13€93k€182k▲

Non-distributable reserves130/1-€20k

Own shares acquired1312-€20k

Distributable reserves133€93k€162k▲

Amounts payable17/49€47k€542k▲

Amounts payable after more than one year17-€327k

Financial debts170/4-€327k

Amounts payable within one year42/48€47k€214k▲

Current portion of amounts payable after more than one year42€24k€114k▲

Financial debts43€4k€8k▲

Credit institutions430/8€4k€8k▲

Trade debts44€10k€91k▲

Suppliers440/4€10k€91k▲

Taxes, remuneration and social security45€8k€11▼

Taxes450/3€8k€11▼

Other amounts payable47/48-€291

Accrued charges and deferred income492/3-€1k

Income statement Code20242025

Turnover70€583k€1.30M▲

Non-recurring operating income76A€0€0=

Goods, raw materials, services and sundry goods60/61€526k€1.17M▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€360€11k▲

Other operating charges640/8€513€605▲

Non-recurring operating charges66A€883€0▼

Gross operating margin9900€57k€129k▲

Operating profit (loss)9901€55k€118k▲

Financial income75/76B€6k€11k▲

Recurring financial income75€6k€11k▲

Financial charges65/66B€150€10k▲

Recurring financial charges65€150€10k▲

Profit (loss) for the period before taxes9903€61k€119k▲

Income taxes67/77€12k€30k▲

Profit (loss) for the period9904€49k€89k▲

Profit (loss) for the period to be appropriated9905€49k€89k▲

Appropriation of the result

Profit (loss) to be appropriated9906€49k€89k▲

Transfer to equity691/2€49k€89k▲

To other reserves6921€49k€89k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 4Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

31-12

Financial Highest result since 2021net €89k ▲82.3%

Operating result €118k, net result €89k, both a record.

31-12

Financial Equity above €150kEq €187k ▲91.1%

5 profitable years in a row build equity to €187k.

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Weakest financial yearnet €32k ▼29.1%

Net result drops to €32k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity triplescurrent ratio 4.51

Current ratio from 1.33 to 4.51; short-term debt falls from €51k to €13k.

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

18-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2021

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

01-10-2021 Resigned as Director

Location & real-estate footprint

Registered office, Kortrijk · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Walle(Kor) 113 Unit 098500 Kortrijk

Ground area

1.5 ha

Building footprint

2,501 m²

Parcel 34354D0003/00C004, Flanders. Linked by address, not a title deed.