SEBBON
ActiveSEBBON has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €343k and a net result of €-16k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 77 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2026
62
/ 100
Healthy▼ -21 vs 2025
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability0▼-23
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 66.34 against 10.32 in 2025), and 1.5% 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○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 · 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 2026Solvency, return and age of the figures
Solvency
98.5%
Return on assets
-4.6%
Age of the figures
5 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 21-05-2026, 163 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
163 d early
2025
29 d early
2024
28 d early
2023
12 d early
2022
15 d late
2021
15 d late
2020
100 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
10-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€343k▼ 4.5%
2025 · €359k
2019: €513k
2020: €524k
2021: €512k
2022: €486k
2023: €485k
2024: €517k
2025: €359k
2019 → 2026
Total assets
€348k▼ 21.4%
2025 · €442k
2019: €581k
2020: €549k
2021: €525k
2022: €500k
2023: €495k
2024: €611k
2025: €442k
2019 → 2026
Net result
€-16k
2025 · €16k
2019: €367k
2020: €11k
2021: €-12k
2022: €-26k
2023: €-688
2024: €32k
2025: €16k
2019 → 2026
Working capital
€343k▲ 5.1%
2025 · €326k
2019: €511k
2020: €521k
2021: €510k
2022: €485k
2023: €483k
2024: €478k
2025: €326k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€486k-€485k▼ 0.1%€517k▲ 6.7%€359k▼ 30.7%€343k▼ 4.5%
Operating result€-29k-€-5k▲ 81.4%€29k€-8k€-38k▼ 359%
Net result€-26k-€-688▲ 97.4%€32k€16k▼ 49.7%€-16k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €38k in 2026 against €8k in 2025; the loss grows and 2026 is the lowest year so far.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Equity and liabilities €348k
Equity
€343k▼ 4.5%
Debt
€5k▼ 93.7%
The debt ratio falls from 18.9% to 1.5%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
98.5%▲
2025 · 81.1%
Current ratio
66.34▲
2025 · 10.32
Quick ratio
66.34▲
2025 · 10.32
Debt / equity
0.02▼
2025 · 0.23
ROE
-4.7%▼
2025 · 4.5%
ROA
-4.6%▼
2025 · 3.7%
Debt
€5k▼
2025 · €84k
Debt ≤ 1 year
€5k▼
2025 · €35k
Income taxes
€145▼
2025 · €12k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€442k€348k▼
Fixed assets21/28€81k-
Tangible fixed assets22/27€81k-
Plant, machinery and equipment23€290-
Furniture and vehicles24€81k-
Current assets29/58€361k€348k▼
Amounts receivable within one year40/41€27k€323k▲
Trade receivables40€10k-
Other amounts receivable41€17k€323k▲
Current investments50/53€151k-
Cash at bank and in hand54/58€175k€16k▼
Deferred charges and accrued income490/1€8k€9k▲
Equity and liabilities
Total equity and liabilities10/49€442k€348k▼
Equity10/15€359k€343k▼
Contributions10/11€12k€12k=
Reserves13€217k€217k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€216k€216k=
Profit (loss) carried forward14€129k€113k▼
Amounts payable17/49€84k€5k▼
Amounts payable after more than one year17€49k-
Financial debts170/4€49k-
Amounts payable within one year42/48€35k€5k▼
Current portion of amounts payable after more than one year42€18k-
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€15k€145▼
Taxes450/3€10k€145▼
Remuneration and social security454/9€5k-
Other amounts payable47/48€0-
Income statement
Code20252026
Non-recurring operating income76A-€235
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k-
Other operating charges640/8€997€654▼
Gross operating margin9900€17k€-37k▼
Operating profit (loss)9901€-8k€-38k▼
Financial income75/76B€40k€46k▲
Recurring financial income75€40k€46k▲
Financial charges65/66B€3k€25k▲
Recurring financial charges65€3k€4k▲
Non-recurring financial charges66B-€21k
Profit (loss) for the period before taxes9903€28k€-16k▼
Income taxes67/77€12k€145▼
Profit (loss) for the period9904€16k€-16k▼
Profit (loss) for the period to be appropriated9905€16k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€145k€113k▼
Profit (loss) brought forward from the previous period14P€129k€129k=
Transfer from equity791/2€175k-
Transfer to equity691/2€16k-
To other reserves6921€16k-
Profit to be distributed694/7€175k-
Return on contributions (dividend)694€175k-
The notes to these accounts (7 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 2027, expected by
2026
21-05
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-03
Financial
Liquidity times 6current ratio 66.34
Current ratio from 10.32 to 66.34; short-term debt falls from €35k to €5k.
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Back to profitnet €32k
Net result €32k after 3 loss-making years.
31-03
Financial
Equity above €500kEq €517k ▲6.7%
Equity rises from €485k to €517k.
2023
19-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
15-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 15 days late
31-03
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
2021
15-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 15 days late
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Liquidity triplescurrent ratio 22.04
Current ratio from 8.49 to 22.04; short-term debt falls from €68k to €25k.
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
4 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, Knokke-Heist · 1 establishment unit since 2009
Ground area
912 m²
Building footprint
214 m²
Volume, LiDAR
727 m³
Parcel 31039E0434/00M002, Flanders · tallest building 7.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Sebbon
since 20092.178.242.985
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31039E0434/00M002 | Flanders | 912 m² | 1 · 214 m² | 7.9 m · 1 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.
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Of 82,169 companies in sector 70200 we hold annual accounts for 52,388. 37,221 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2009
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.