SEBAN
ActiveSummary
SEBAN has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €394k and a net result of €50k. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 79% of 4886 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability87▼-1
Solvency98▲+1
Growth67=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.1 against 0.01 in 2024; short-term debt: 27.2% and cash: 2.7% of total assets), and 27.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
72.8%
Return on assets
9.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-07-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
76 d early
2023
60 d early
2022
31 d early
2021
160 d early
2020
141 d early
2019
132 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€129k▲ 3.0%
2024 · €125k
EBIT margin
57.5%▼ 0.2pp
2024 · 57.7%
Net result
€50k▼ 0.6%
2024 · €50k
Working capital
€-132k▼ 0.6%
2024 · €-131k
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
Line20212022202320242025
Turnover€103k▲ 34.3%€115k▲ 11.5%€124k▲ 7.6%€125k▲ 1.2%€129k▲ 3.0%
Operating result€47k▲ 56.8%€56k▲ 18.7%€68k▲ 21.8%€72k▲ 7.1%€74k▲ 2.6%
Net result€37k▲ 87.1%€37k▼ 1.6%€42k▲ 13.5%€50k▲ 20.1%€50k▼ 0.6%
EBIT margin45.2%▲ 6.5pp48.2%▲ 2.9pp54.5%▲ 6.3pp57.7%▲ 3.2pp57.5%▼ 0.2pp
Equity€215k▲ 21.1%€252k▲ 17.1%€293k▲ 16.6%€344k▲ 17.1%€394k▲ 14.5%
Total assets€427k▲ 83.3%€505k▲ 18.2%€498k▼ 1.5%€477k▼ 4.2%€541k▲ 13.5%
Debt€213k▲ 281%€253k▲ 19.3%€204k▼ 19.5%€133k▼ 34.8%€147k▲ 10.7%
Working capital€-210k▼ 467%€-249k▼ 18.9%€-195k▲ 21.8%€-131k▲ 32.6%€-132k▼ 0.6%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €541k
Fixed assets
€526k ▲ 10.7%
Current assets
€15k ▲ 731%
Equity and liabilities €541k
Equity
€394k ▲ 14.5%
Debt
€147k ▲ 10.7%
Debt's share of the balance-sheet total falls from 27.9% to 27.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€101k▲
2024 · €96k
Cash flow
€77k▲
2024 · €74k
Current ratio
0.10▲
2024 · 0.01
Debt to equity
0.37▼
2024 · 0.39
ROE
12.7%▼
2024 · 14.6%
ROA
9.2%▼
2024 · 10.5%
Interest coverage
139.76▲
2024 · 95.45
Debt ≤ 1 year
€147k▲
2024 · €133k
Income taxes
€24k▲
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €103k | €115k | €124k | €125k | €129k | ▲ 3.0% |
| Goods, raw materials, services and sundry goods60/61 | - | €27k | €25k | €25k | €25k | ▼ 0.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €24k | €29k | €28k | €24k | €27k | ▲ 12.2% |
| Other operating charges640/8 | - | €3k | €3k | €4k | €3k | ▼ 25.5% |
| Gross operating margin9900 | €74k | €88k | €99k | €100k | €104k | ▲ 3.8% |
| Operating profit (loss)9901 | €47k | €56k | €68k | €72k | €74k | ▲ 2.6% |
| Financial income75/76B | - | €171 | €0 | - | - | - |
| Recurring financial income75 | €564 | €171 | €0 | - | - | - |
| Financial charges65/66B | - | €1k | €1k | €1k | €724 | ▼ 28.3% |
| Recurring financial charges65 | €1k | €1k | €1k | €1k | €724 | ▼ 28.3% |
| Profit (loss) for the period before taxes9903 | €46k | €55k | €66k | €71k | €74k | ▲ 3.0% |
| Income taxes67/77 | €9k | €18k | €25k | €21k | €24k | ▲ 11.5% |
| Profit (loss) for the period9904 | €37k | €37k | €42k | €50k | €50k | ▼ 0.6% |
| Profit (loss) for the period to be appropriated9905 | €37k | €37k | €42k | €50k | €50k | ▼ 0.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €427k | €505k | €498k | €477k | €541k | ▲ 13.5% |
| Formation expenses20 | - | - | €0 | - | €0 | - |
| Fixed assets21/28 | €425k | €501k | €488k | €475k | €526k | ▲ 10.7% |
| Intangible fixed assets21 | - | - | €0 | - | €0 | - |
| Tangible fixed assets22/27 | €425k | €501k | €488k | €475k | €526k | ▲ 10.7% |
| Land and buildings22 | - | €435k | €426k | €414k | €469k | ▲ 13.2% |
| Plant, machinery and equipment23 | - | €55k | €54k | €52k | €47k | ▼ 9.6% |
| Furniture and vehicles24 | - | €10k | €7k | €9k | €10k | ▲ 14.2% |
| Financial fixed assets28 | - | - | - | - | €0 | - |
| Current assets29/58 | €2k | €4k | €9k | €2k | €15k | ▲ 731% |
| Amounts receivable within one year40/41 | - | - | €1k | €346 | €378 | ▲ 9.2% |
| Trade receivables40 | - | - | €226 | - | €378 | - |
| Other amounts receivable41 | - | - | €885 | €346 | - | - |
| Cash at bank and in hand54/58 | €2k | €4k | €8k | €1k | €15k | ▲ 899% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €427k | €505k | €498k | €477k | €541k | ▲ 13.5% |
| Equity10/15 | €215k | €252k | €293k | €344k | €394k | ▲ 14.5% |
| Contributions10/11 | €13k | €13k | €13k | €13k | €13k | = |
| Capital10 | - | €13k | €13k | €13k | €13k | = |
| Issued capital100 | - | €19k | €19k | €19k | €19k | = |
| Uncalled capital101 | - | €5k | €5k | €5k | €5k | = |
| Reserves13 | €201k | €238k | €280k | €330k | €380k | ▲ 15.1% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €236k | €278k | €328k | €378k | ▲ 15.2% |
| Amounts payable17/49 | €213k | €253k | €204k | €133k | €147k | ▲ 10.7% |
| Amounts payable after more than one year17 | €1k | - | - | - | - | - |
| Amounts payable within one year42/48 | €211k | €253k | €204k | €133k | €147k | ▲ 10.7% |
| Current portion of amounts payable after more than one year42 | - | €16k | - | - | - | - |
| Financial debts43 | - | - | €5k | - | €15k | - |
| Credit institutions430/8 | - | - | €5k | - | €15k | - |
| Trade debts44 | €18k | €9k | €3k | €3k | €2k | ▼ 51.3% |
| Suppliers440/4 | - | €9k | €3k | €3k | €2k | ▼ 51.3% |
| Taxes, remuneration and social security45 | - | €9k | €8k | €9k | €12k | ▲ 41.8% |
| Taxes450/3 | - | €9k | €8k | €9k | €12k | ▲ 41.8% |
| Other amounts payable47/48 | - | €220k | €189k | €121k | €118k | ▼ 2.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €37k | €37k | €42k | €50k | €50k | ▼ 0.6% |
| + Depreciation and write-downs630 | €24k | €29k | €28k | €24k | €27k | ▲ 12.2% |
| Operating cash flow (approximation) | €62k | €66k | €70k | €74k | €77k | ▲ 3.6% |
| Investment in fixed assets (approximation) | - | €-105k | €-16k | €-11k | €-78k | ▼ 622% |
| Change in cash | - | €3k | €4k | €-7k | €13k | ▲ 293% |
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
2026
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €50k ▲20.1%
Net result €50k, the highest in the series.
01-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €215k ▲21.1%
3 profitable years in a row build equity to €215k.
12-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €177k ▲24.3%
2 profitable years in a row build equity to €177k.
21-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Roeselare · 1 establishment unit since 1989
Ground area
367 m²
Building footprint
141 m²
Volume, LiDAR
1,142 m³
Parcel 36504D0844/00K000, Flanders · tallest building 13.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SEBAN
since 19892.026.748.682
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D0844/00K000 | Flanders | 367 m² | 1 · 141 m² | 13.4 m · 3 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.
Similar companies · same sector, comparable size
JEAN DE SMET
BE 0470.884.619
Lennik · Eq €394k
MESKENS-COOL
BE 0425.198.114
Dendermonde · Eq €396k
TABICH'S
BE 0473.468.282
Brussel · Eq €391k
VEGRAS
BE 0556.708.239
Ardooie · Eq €397k
Société de Commercialisation de dattes et de Figues
BE 0423.281.670
Herstal · Eq €399k
Of 958 companies in sector 46319 we hold annual accounts for 610. 432 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
Founded12-03-1985
Fiscal year end31-12
Activities, NACEBEL 2025
46319Wholesale of fruit and vegetables, excluding potatoes
47210Retail sale of fruit and vegetables
Scores and ratios are computed by Checked and are not a credit decision.