Sebamat
ActiveSebamat has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.82M and a net result of €494k. Equity is growing by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 92% of 2324 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €270k at 30 days acceptable
Liquidity ample (current ratio 19.85 against 24.43 in 2024; short-term debt: 4.8% and cash: 59.8% of total assets), and 4.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
95.2%
Return on assets
16.7%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
30 d late
2023
31 d late
2022
28 d late
2021
29 d late
2020
60 d late
2019
28 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.82M▲ 8.0%
2024 · €2.61M
2018: €958k
2019: €1.24M
2020: €1.44M
2021: €1.85M
2022: €2.11M
2023: €2.34M
2024: €2.61M
2018 → 2025
Total assets
€2.96M▲ 9.1%
2024 · €2.71M
2018: €979k
2019: €1.30M
2020: €1.58M
2021: €1.96M
2022: €2.21M
2023: €2.47M
2024: €2.71M
2018 → 2025
Net result
€494k▼ 0.9%
2024 · €498k
2018: €226k
2019: €285k
2020: €364k
2021: €607k
2022: €443k
2023: €396k
2024: €498k
2018 → 2025
Working capital
€2.67M▲ 9.3%
2024 · €2.44M
2018: €819k
2019: €1.13M
2020: €1.21M
2021: €1.63M
2022: €1.91M
2023: €2.15M
2024: €2.44M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.85M-€2.11M▲ 14.3%€2.34M▲ 10.5%€2.61M▲ 11.7%€2.82M▲ 8.0%
Operating result€884k-€641k▼ 27.5%€577k▼ 9.9%€678k▲ 17.4%€699k▲ 3.1%
Net result€607k-€443k▼ 27.0%€396k▼ 10.5%€498k▲ 25.7%€494k▼ 0.9%
Turnover and EBIT margin not published: the abbreviated or 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 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.96M
Fixed assets
€147k▼ 11.5%
Current assets
€2.81M▲ 10.4%
Equity and liabilities €2.96M
Equity
€2.82M▲ 8.0%
Debt
€142k▲ 35.9%
The debt ratio rises from 3.8% to 4.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€719k▲
2024 · €700k
Cash flow
€514k▼
2024 · €520k
Solvency
95.2%▼
2024 · 96.2%
Current ratio
19.85▼
2024 · 24.43
Quick ratio
19.85▼
2024 · 24.43
Debt / equity
0.05▲
2024 · 0.04
ROE
17.5%▼
2024 · 19.1%
ROA
16.7%▼
2024 · 18.4%
Interest coverage
10560.27▲
2024 · 10242.88
Debt
€142k▲
2024 · €104k
Debt ≤ 1 year
€142k▲
2024 · €104k
Income taxes
€224k▼
2024 · €227k
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€2.71M€2.96M▲
Fixed assets21/28€166k€147k▼
Tangible fixed assets22/27€166k€147k▼
Furniture and vehicles24€9k€3k▼
Other tangible fixed assets26€157k€144k▼
Current assets29/58€2.55M€2.81M▲
Amounts receivable within one year40/41€660€1k▲
Trade receivables40€660€1k▲
Current investments50/53€553k€714k▲
Cash at bank and in hand54/58€1.67M€1.77M▲
Deferred charges and accrued income490/1€326k€329k▲
Equity and liabilities
Total equity and liabilities10/49€2.71M€2.96M▲
Equity10/15€2.61M€2.82M▲
Contributions10/11€14k€14k=
Reserves13€2.59M€2.80M▲
Distributable reserves133€2.59M€2.80M▲
Amounts payable17/49€104k€142k▲
Amounts payable within one year42/48€104k€142k▲
Trade debts44€37k€41k▲
Suppliers440/4€37k€41k▲
Taxes, remuneration and social security45€49k€69k▲
Taxes450/3€49k€69k▲
Other amounts payable47/48€18k€32k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€20k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€701k€721k▲
Operating profit (loss)9901€678k€699k▲
Financial income75/76B€48k€19k▼
Recurring financial income75€48k€19k▼
Financial charges65/66B€68€68▼
Recurring financial charges65€68€68▼
Profit (loss) for the period before taxes9903€726k€718k▼
Income taxes67/77€227k€224k▼
Profit (loss) for the period9904€498k€494k▼
Profit (loss) for the period to be appropriated9905€498k€494k▼
Appropriation of the result
Profit (loss) to be appropriated9906€498k€494k▼
Transfer from equity791/2€226k€285k▲
Transfer to equity691/2€498k€494k▼
To other reserves6921€498k€494k▼
Profit to be distributed694/7€226k€285k▲
Return on contributions (dividend)694€226k€285k▲
The notes to these accounts (5 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
31-12
Financial
Equity above €2MEq €2.11M ▲14.3%
5 profitable years in a row build equity to €2.11M.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €607k ▲66.6%
Operating result €884k, net result €607k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Equity above €1MEq €1.24M ▲29.8%
2 profitable years in a row build equity to €1.24M.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Rumst · 1 establishment unit since 2007
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.
's Herenbaan 1442840 RumstGround area
3,474 m²
Building footprint
276 m²
Volume, LiDAR
1,606 m³
Parcel 11036A0126/00B000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
's Herenbaan 144, 2840 Rumst
since 20072.242.873.491
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036A0126/00B000 | Flanders | 3,474 m² | 1 · 276 m² | 9.4 m · 2 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
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MO ACTIVITIES
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,974. 3,829 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2007
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
85599Other education
86901Human health activities
86910Medical imaging and medical laboratories
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.