SEBAWE
ActiveSEBAWE has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.04M and a net result of €-96k. Equity is growing by ~169.1% per year across the filed fiscal years. Its solvency ranks better than 30% of 8589 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
15
/ 100
Critical▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency34▲+2
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.15 against 0.16 in 2024), and 70.8% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
29.2%
Return on assets
-2.7%
Age of the figures
8 mo
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 dateAge against the risk zone
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 02-07-2026, 29 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
29 d early
2024
27 d early
2023
48 d early
2022
53 d early
2021
80 d early
2020
51 d early
2019
42 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.04M▲ 12.7%
2024 · €925k
2019: €5k
2020: €18k
2021: €57k
2022: €1.48M
2023: €980k
2024: €925k
2019 → 2025
Total assets
€3.57M▲ 6.8%
2024 · €3.34M
2019: €152k
2020: €386k
2021: €3.02M
2022: €4.11M
2023: €3.55M
2024: €3.34M
2019 → 2025
Net result
€-96k▼ 74.1%
2024 · €-55k
2019: €-8k
2020: €13k
2021: €40k
2022: €44k
2023: €-631k
2024: €-55k
2019 → 2025
Working capital
€-1.17M▼ 9.9%
2024 · €-1.06M
2019: €116k
2020: €112k
2021: €-1.24M
2022: €-747k
2023: €-1.42M
2024: €-1.06M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€1.48M▲ 2,482%€980k▼ 33.8%€925k▼ 5.6%€1.04M▲ 12.7%
Operating result€-25k-€-26k▼ 3.1%€-565k▼ 2,059%€18k€-34k
Net result€40k-€44k▲ 11.5%€-631k€-55k▲ 91.3%€-96k▼ 74.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €34k after €18k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.57M
Fixed assets
€3.36M▲ 7.1%
Current assets
€210k▲ 1.6%
Equity and liabilities €3.57M
Equity
€1.04M▲ 12.7%
Debt
€2.53M▲ 4.5%
The debt ratio falls from 72.3% to 70.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€-22k▼
2024 · €29k
Cash flow
€-83k▼
2024 · €-44k
Solvency
29.2%▲
2024 · 27.7%
Current ratio
0.15▼
2024 · 0.16
Quick ratio
0.15▼
2024 · 0.16
Debt / equity
2.42▼
2024 · 2.61
ROE
-9.2%▼
2024 · -5.9%
ROA
-2.7%▼
2024 · -1.6%
Interest coverage
-0.33▼
2024 · 0.38
Debt
€2.53M▲
2024 · €2.42M
Debt ≤ 1 year
€1.38M▲
2024 · €1.27M
Debt > 1 year
€1.15M=
2024 · €1.15M
Income taxes
€617▲
2024 · €177
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€3.34M€3.57M▲
Fixed assets21/28€3.14M€3.36M▲
Tangible fixed assets22/27€20k€29k▲
Plant, machinery and equipment23€1k€704▼
Furniture and vehicles24€18k€28k▲
Financial fixed assets28€3.12M€3.33M▲
Current assets29/58€206k€210k▲
Amounts receivable within one year40/41€205k€206k▲
Trade receivables40€30k€49k▲
Other amounts receivable41€175k€156k▼
Cash at bank and in hand54/58€46-
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€3.34M€3.57M▲
Equity10/15€925k€1.04M▲
Contributions10/11€19k€19k=
Revaluation surpluses12€1.50M€1.72M▲
Reserves13€89k€89k=
Distributable reserves133€89k€89k=
Profit (loss) carried forward14€-686k€-782k▼
Amounts payable17/49€2.42M€2.53M▲
Amounts payable after more than one year17€1.15M€1.15M=
Financial debts170/4€1.15M€1.15M=
Amounts payable within one year42/48€1.27M€1.38M▲
Financial debts43€1.15M€1.17M▲
Credit institutions430/8€1.15M€1.17M▲
Trade debts44€19k€46k▲
Suppliers440/4€19k€46k▲
Advances received on contracts in progress46-€38k
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€3k▲
Other amounts payable47/48€103k€115k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€923€1k▲
Non-recurring operating charges66A-€24k
Gross operating margin9900€30k€3k▼
Operating profit (loss)9901€18k€-34k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€75k€65k▼
Recurring financial charges65€75k€65k▼
Profit (loss) for the period before taxes9903€-55k€-95k▼
Income taxes67/77€177€617▲
Profit (loss) for the period9904€-55k€-96k▼
Profit (loss) for the period to be appropriated9905€-55k€-96k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-686k€-782k▼
Profit (loss) brought forward from the previous period14P€-631k€-686k▼
The notes to these accounts (12 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €1MEq €1.04M ▲12.7%
Equity rises from €925k to €1.04M.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-631k ▼1525%
Net result drops to €-631k, the lowest in the series; recovery starts the following year.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2019net €44k ▲11.5%
Net result €44k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.48M ▲2482%
3 profitable years in a row build equity to €1.48M.
12-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Gavere · 1 establishment unit since 2018
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.
Gemeentehuisstraat 89890 GavereGround area
5,551 m²
Building footprint
827 m²
Volume, LiDAR
4,653 m³
Parcel 44016B1126/00C000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gemeentehuisstraat 8, 9890 Gavere
since 20182.272.378.022
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44016B1126/00C000 | Flanders | 5,551 m² | 1 · 827 m² | 9.1 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 3,510 EUR awarded · 3,510 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 3,510 EUR | 3,510 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 27,289 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.