SEBBCO
ActiveSummary
SEBBCO has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.25M and a net result of €-109k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 32% of 2276 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▼-31
Solvency46▼-19
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity short (current ratio 0.8 against 0.78 in 2024; short-term debt: 32.4% and cash: 0.4% of total assets), and 78.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
21.5%
Return on assets
-1.9%
Age of the figures
9 mo
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
29 d early
2023
76 d early
2022
144 d early
2021
170 d early
2020
123 d early
2019
21 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-109k
2024 · €180k
2018: €-497
2019: €114k
2020: €15k
2021: €338k
2022: €92k
2023: €855k
2024: €180k
2018 → 2025
Working capital
€-377k▼ 126%
2024 · €-167k
2018: €-1.00M
2019: €-875k
2020: €-860k
2021: €-1.00M
2022: €-1.08M
2023: €-240k
2024: €-167k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€250k-€321k▲ 28.4%€1.18M▲ 266%€1.36M▲ 15.3%€1.25M▼ 8.0%
Operating result€219k-€151k▼ 31.1%€80k▼ 47.2%€359k▲ 350%€64k▼ 82.1%
Net result€338k-€92k▼ 72.7%€855k▲ 825%€180k▼ 78.9%€-109k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 82% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.80M
Fixed assets
€4.30M ▲ 54.9%
Current assets
€1.50M ▲ 149%
Equity and liabilities €5.80M
Equity
€1.25M ▼ 8.0%
Debt
€4.56M ▲ 125%
Debt's share of the balance-sheet total rises from 59.9% to 78.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€384k▼
2024 · €445k
Cash flow
€211k▼
2024 · €267k
Current ratio
0.80▲
2024 · 0.78
Debt to equity
3.65▲
2024 · 1.49
ROE
-8.7%▼
2024 · 13.3%
ROA
-1.9%▼
2024 · 5.3%
Interest coverage
3.36▼
2024 · 7.02
Debt ≤ 1 year
€1.88M▲
2024 · €770k
Debt > 1 year
€2.57M▲
2024 · €1.18M
Income taxes
€107k▼
2024 · €115k
Staff costs
€25k▼
2024 · €38k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.38M€5.80M▲
Fixed assets21/28€2.78M€4.30M▲
Tangible fixed assets22/27€1.13M€2.65M▲
Land and buildings22€701k€2.16M▲
Plant, machinery and equipment23€148k€248k▲
Furniture and vehicles24€52k€46k▼
Other tangible fixed assets26€225k€194k▼
Financial fixed assets28€1.65M€1.65M=
Current assets29/58€603k€1.50M▲
Amounts receivable within one year40/41€596k€1.48M▲
Trade receivables40-€37k
Other amounts receivable41€596k€1.44M▲
Cash at bank and in hand54/58€7k€25k▲
Deferred charges and accrued income490/1€192-
Equity and liabilities
Total equity and liabilities10/49€3.38M€5.80M▲
Equity10/15€1.36M€1.25M▼
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€1.34M€1.34M=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€16k€16k=
Distributable reserves133€1.33M€1.33M=
Profit (loss) carried forward14-€-109k
Amounts payable17/49€2.02M€4.56M▲
Amounts payable after more than one year17€1.18M€2.57M▲
Financial debts170/4€1.18M€2.57M▲
Amounts payable within one year42/48€770k€1.88M▲
Current portion of amounts payable after more than one year42€186k€298k▲
Financial debts43€25k-
Credit institutions430/8€25k-
Trade debts44€10k€13k▲
Suppliers440/4€10k€13k▲
Taxes, remuneration and social security45€110k€195k▲
Taxes450/3€104k€195k▲
Remuneration and social security454/9€6k-
Other amounts payable47/48€439k€1.37M▲
Accrued charges and deferred income492/3€74k€108k▲
Income statement
Code20242025
Remuneration, social security and pensions62€38k€25k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€87k€320k▲
Other operating charges640/8€6k€138k▲
Gross operating margin9900€490k€547k▲
Operating profit (loss)9901€359k€64k▼
Financial income75/76B€14€48k▲
Recurring financial income75€14€48k▲
Financial charges65/66B€63k€114k▲
Recurring financial charges65€63k€114k▲
Profit (loss) for the period before taxes9903€295k€-2k▼
Income taxes67/77€115k€107k▼
Profit (loss) for the period9904€180k€-109k▼
Profit (loss) for the period to be appropriated9905€180k€-109k▼
Appropriation of the result
Profit (loss) to be appropriated9906€180k€-109k▼
Transfer to equity691/2€180k-
To other reserves6921€180k-
The notes to these accounts (6 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-109k ▼160%
Net result drops to €-109k, the lowest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €855k ▲825%
Net result €855k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.18M ▲266%
5 profitable years in a row build equity to €1.18M.
09-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €250k ▲119%
3 profitable years in a row build equity to €250k.
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €114k ▲15.2%
2 profitable years in a row build equity to €114k.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Back to profitnet €114k
Net result €114k after one loss-making year.
08-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
19-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
10-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Schaarbeek · 1 establishment unit since 2009
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.
d'Anethanstraat 34-381030 SchaarbeekGround area
1.3 ha
Building footprint
748 m²
Volume, LiDAR
7,151 m³
2 parcels, Brussels, Wallonia · tallest building 14.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SEBBCO
since 20092.183.323.411
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25037D0010/00M013 | Wallonia | 1.2 ha | 1 · 10 m² | 6.3 m · 1 fl. |
| 21910E0121/02D005 | Brussels | 766 m² | 1 · 737 m² | 14.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
GEMIMO
BE 0431.376.420
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VAN DESSEL CONSULTING
BE 0645.571.325
Hove · Eq €1,248,122
IMMENSA
BE 0725.841.201
Ternat · Eq €1,245,417
LDB CONSULTING
BE 0544.724.680
Gent · Eq €1,249,160
EUROTECHNOX
BE 0442.917.044
Heusden-Zolder · Eq €1,243,364
Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 4,127 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2009
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
70200Business and other management consultancy
73300Public relations and communication consultancy
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.