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SEBAUTO

Active
Private limited companyfounded 20223 yrs activeKruisherenstraat(H) 62, 7712 Mouscron, BelgiumKBO/BCE: BE 0795.457.408
Summary

SEBAUTO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €254,540 and a net result of €159,531. Its solvency ranks better than 53% of 574 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability97▲+1
Solvency60▲+13
Growth78
Track record94
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.12 in 2023; short-term debt: 64.5% and cash: 6.7% of total assets), and 64.5% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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
highest failure risk from 2 to 8 years 3 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 2 filings
Deviation from the deadline
2025
not confirmed
2024
61 d late
2023
142 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 102 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)
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

History

SEBAUTO was incorporated on 28 December 2022 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€159,531▲ 71.5%
2023 · €93,008
Working capital
€36,362▼ 11.1%
2023 · €40,902
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20232024
Operating result€128,237-€219,090▲ 70.8%
Net result€93,008above the sector's middle half-€159,531above the sector's middle half▲ 71.5%
Equity€95,008within the sector's middle half-€254,540within the sector's middle half▲ 168%
Total assets€427,292above the sector's middle half-€717,688within the sector's middle half▲ 68.0%
Debt€332,283-€463,148▲ 39.4%
Working capital€40,902within the sector's middle half-€36,362within the sector's middle half▼ 11.1%
Solvency22.2%within the sector's middle half-35.5%within the sector's middle half▲ 13.2pp
Current ratio1.12within the sector's middle half-1.08within the sector's middle half▼ 0.04
Return on assets (ROA)21.8%above the sector's middle half-22.2%above the sector's middle half▲ 0.5pp
Staff (FTE)5.8-6within the sector's middle half▲ 3.4%
above within below the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
€0€100,000€200,000Operating result 2023: €128,237€128,237Net result 2023: €93,008€93,008Operating result 2024: €219,090€219,090Net result 2024: €159,531€159,53120232024€0€100,000€200,000Operating result 2023: €128,237€128,000Net result 2023: €93,008€93,000Operating result 2024: €219,090€219,000Net result 2024: €159,531€160,00020232024
The operating result rises in 2024; 2024 is 71% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €717,688
Fixed assets €218,178 ▲ 303%
Current assets €499,510 ▲ 33.9%
Equity and liabilities €717,688
Equity €254,540 ▲ 168%
Debt €463,148 ▲ 39.4%
Debt's share of the balance-sheet total falls from 77.8% to 64.5%. Equity and debt are higher.
Key figures and ratios
2024 value · change against 2023
EBITDA
€246,917▲
2023 · €131,915
Cash flow
€187,359▲
2023 · €96,687
Quick ratio
0.38▼
2023 · 0.51
Debt to equity
1.82▼
2023 · 3.50
ROE
62.7%▼
2023 · 97.9%
Interest coverage
30.08▼
2023 · 53.67
Debt ≤ 1 year
€463,148▲
2023 · €332,283
Income taxes
€55,204▲
2023 · €33,679
Staff costs
€283,997▲
2023 · €221,361
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.3% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,276 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 48 lines
Balance sheet Code20232024
Assets
Total assets20/58€427,292€717,688▲
Fixed assets21/28€54,106€218,178▲
Intangible fixed assets21-€1,385
Tangible fixed assets22/27€54,106€216,793▲
Plant, machinery and equipment23€14,021€65,658▲
Furniture and vehicles24€36,151€121,062▲
Other tangible fixed assets26€3,935€30,073▲
Current assets29/58€373,185€499,510▲
Amounts receivable after more than one year29€40,000€100,000▲
Other amounts receivable291€40,000€100,000▲
Stocks and contracts in progress3€203,018€325,249▲
Stocks30/36€203,018€325,249▲
Amounts receivable within one year40/41€48,388€12,879▼
Trade receivables40€48,388€6,155▼
Other amounts receivable41-€6,724
Cash at bank and in hand54/58€81,687€48,305▼
Deferred charges and accrued income490/1€93€13,076▲
Equity and liabilities
Total equity and liabilities10/49€427,292€717,688▲
Equity10/15€95,008€254,540▲
Contributions10/11€2,000€2,000=
Profit (loss) carried forward14€93,008€252,540▲
Amounts payable17/49€332,283€463,148▲
Amounts payable within one year42/48€332,283€463,148▲
Financial debts43-€125,000
Credit institutions430/8-€125,000
Trade debts44€229,372€186,079▼
Suppliers440/4€229,372€186,079▼
Advances received on contracts in progress46€21,251€22,379▲
Taxes, remuneration and social security45€81,534€128,472▲
Taxes450/3€57,575€99,769▲
Remuneration and social security454/9€23,958€28,703▲
Other amounts payable47/48€126€1,218▲
Income statement Code20232024
Remuneration, social security and pensions62€221,361€283,997▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,679€27,827▲
Other operating charges640/8€2,379€5,483▲
Non-recurring operating charges66A€17-
Gross operating margin9900€355,672€536,398▲
Operating profit (loss)9901€128,237€219,090▲
Financial income75/76B€908€3,853▲
Recurring financial income75€908€3,853▲
Financial charges65/66B€2,458€8,207▲
Recurring financial charges65€2,458€8,207▲
Profit (loss) for the period before taxes9903€126,687€214,736▲
Income taxes67/77€33,679€55,204▲
Profit (loss) for the period9904€93,008€159,531▲
Profit (loss) for the period to be appropriated9905€93,008€159,531▲
Appropriation of the result
Profit (loss) to be appropriated9906€93,008€252,540▲
Profit (loss) brought forward from the previous period14P-€93,008

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232024Change
Remuneration, social security and pensions62€221,361€283,997▲ 28.3%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,679€27,827▲ 656%
Other operating charges640/8€2,379€5,483▲ 130%
Non-recurring operating charges66A€17--
Gross operating margin9900€355,672€536,398▲ 50.8%
Operating profit (loss)9901€128,237€219,090▲ 70.8%
Financial income75/76B€908€3,853▲ 324%
Recurring financial income75€908€3,853▲ 324%
Financial charges65/66B€2,458€8,207▲ 234%
Recurring financial charges65€2,458€8,207▲ 234%
Profit (loss) for the period before taxes9903€126,687€214,736▲ 69.5%
Income taxes67/77€33,679€55,204▲ 63.9%
Profit (loss) for the period9904€93,008€159,531▲ 71.5%
Profit (loss) for the period to be appropriated9905€93,008€159,531▲ 71.5%
Line20232024Change
Assets
Total assets20/58€427,292€717,688▲ 68.0%
Fixed assets21/28€54,106€218,178▲ 303%
Intangible fixed assets21-€1,385-
Tangible fixed assets22/27€54,106€216,793▲ 301%
Plant, machinery and equipment23€14,021€65,658▲ 368%
Furniture and vehicles24€36,151€121,062▲ 235%
Other tangible fixed assets26€3,935€30,073▲ 664%
Current assets29/58€373,185€499,510▲ 33.9%
Amounts receivable after more than one year29€40,000€100,000▲ 150%
Other amounts receivable291€40,000€100,000▲ 150%
Stocks and contracts in progress3€203,018€325,249▲ 60.2%
Stocks30/36€203,018€325,249▲ 60.2%
Amounts receivable within one year40/41€48,388€12,879▼ 73.4%
Trade receivables40€48,388€6,155▼ 87.3%
Other amounts receivable41-€6,724-
Cash at bank and in hand54/58€81,687€48,305▼ 40.9%
Deferred charges and accrued income490/1€93€13,076▲ 13,981%
Equity and liabilities
Total equity and liabilities10/49€427,292€717,688▲ 68.0%
Equity10/15€95,008€254,540▲ 168%
Contributions10/11€2,000€2,000=
Profit (loss) carried forward14€93,008€252,540▲ 172%
Amounts payable17/49€332,283€463,148▲ 39.4%
Amounts payable within one year42/48€332,283€463,148▲ 39.4%
Financial debts43-€125,000-
Credit institutions430/8-€125,000-
Trade debts44€229,372€186,079▼ 18.9%
Suppliers440/4€229,372€186,079▼ 18.9%
Advances received on contracts in progress46€21,251€22,379▲ 5.3%
Taxes, remuneration and social security45€81,534€128,472▲ 57.6%
Taxes450/3€57,575€99,769▲ 73.3%
Remuneration and social security454/9€23,958€28,703▲ 19.8%
Other amounts payable47/48€126€1,218▲ 864%
Line20232024Change
Profit (loss) for the period9904€93,008€159,531▲ 71.5%
+ Depreciation and write-downs630€3,679€27,827▲ 656%
Operating cash flow (approximation)€96,687€187,359▲ 93.8%
Investment in fixed assets (approximation)--€191,899-
Change in cash--€33,382-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
30-09
NBB filing Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
31-12
Financial Equity above €200,000Eq €254,540 ▲168%
2 profitable years in a row build equity to €254,540.
20-12
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 142 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Mouscron · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
1,852 m²
Building footprint
57 m²
Volume, LiDAR
508 m³
Parcel 54004H0212/00_000, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SEBAUTO
Kruisherenstraat(H) 62, 7712 MouscronNACE 45112
since 20222.340.922.477
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
54004H0212/00_000 Wallonia 1,852 m² 1 · 57 m² 10.3 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

Of 7,378 companies in sector 95311 we hold annual accounts for 2,962. 2,289 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
Founded28-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46180Agents specialised in the wholesale of other particular products
Contact
E-mail seb@sebauto.be
Phone +3256332264
E-invoicing
Reachable via Peppol
Peppol ID 0208:0795457408
Also 9925:BE0795457408
Registered 11-09-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.