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SEBARIC

Active
Public limited companyfounded 199333 yrs activeKlaprozenpad 6, 8301 Knokke-Heist, BelgiumKBO/BCE: BE 0450.108.506
Summary

SEBARIC has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.3m and a net result of -€39,118. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 42% of 20335 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
SEBARICActiveChecked score 90/100
Risk analysis ReportCompare

Overview

Activity
Specialist medical practice
NACE 86220NACE 85120
#6 company by total assets in Knokke-Heist, Health and social work sector1 site
Size
€2.4mtotal assets 2025
Equity
€1.3m
Loss
-€39,118
Turnover not published (abridged schema)
Financial health
90 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Parent
HOLDEON · 99.92%
Accounts 49 d early0 of 10 deeds read
Why 90- Liquidity: current ratio 14.89, cash €28,469+ Size: total assets €2.4m+ Sector Human health activities (NACE 86)+ Figures for FY 2025 (filed 17-03-2026)Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Better than 20% of its sector peers (NACE 86, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 78+10
equity 53.3% of total assets
Liquidity 52+2
short-term debt 1.2% · cash 1.2%
Profitability 25+8
return on assets -1.7%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (1,075 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%▲ +6.9% vs 11-2024 01-2025: 0.1%▲ +8.1% vs 12-2024 02-2025: 0.1%▲ +7.5% vs 01-2025 03-2025: 0.1%▼ -9.7% vs 02-2025 04-2025: 0.1%▲ +27.7% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.1%● 0.0% vs 06-2025 08-2025: 0.1%● 0.0% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%▲ +33.7% vs 11-2025 01-2026: 0.1%▲ +7.2% vs 12-2025 02-2026: 0.1%▲ +3.4% vs 01-2026 03-2026: 0.1%▲ +9.8% vs 02-2026highest value 04-2026: < 0.1%▼ -74.1% vs 03-2026lowest value 05-2026: < 0.1%● 0.0% vs 04-2026lowest value 06-2026: < 0.1%● 0.0% vs 05-2026lowest value 07-2026: < 0.1%● 0.0% vs 06-2026lowest value 08-2026: < 0.1%● 0.0% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Size: total assets €2.4m lowers the probability for this profile
  • Liquidity: current ratio 14.89, cash €28,469 raises the probability
  • Sector Human health activities (NACE 86) lowers the probability
  • Figures for FY 2025 (filed 17-03-2026) lowers the probability
Credit up to €110,000 at 30 days acceptable
Liquidity ample (current ratio 14.89 against 30.0 in 2024; short-term debt: 1.2% and cash: 1.2% of total assets), and 46.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 86, small). Better than this share of them on solvency 30%, liquidity 24%, profitability 6%, growth against the median 18%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €2.4m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 14.89, cash €28,469
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Sector Human health activities (NACE 86)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Figures for FY 2025 (filed 17-03-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€39,118
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 12-03-2026, 49 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
49 d early
2024
48 d early
2023
49 d early
2022
117 d early
2021
11 d early
2020
51 d early
2019
115 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 63 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 13 March (4 of the last 5 filed years within 37 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close05-10-2026 today30-04-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Weakest financial yearnet -€168,439

Key points

  • Caution: Among the weakest 5% on net resultsector median €60,325 · 20,323 companies -€39,118 View
  • Positive: Result rose in 2025from -€168,439 to -€39,118 ▲ 76.8% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Controlled by HOLDEON 99.92% View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€39,118 View

By topic

Financials

Fiscal year
2025
Total assets
€2.4m
Loss
-€39,118
Solvency
53.3%
Total assets▼ 21.8%
Net result
20192025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 30-04-2027
  1. 12-03-2026Annual accounts filed
  2. 13-03-2025Annual accounts filed
  3. 30-09-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Specialist medical practiceNACE 86220
Founded
13-05-1993
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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