SEBEL
ActiveSEBEL has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €231k and a net result of €36k. Equity is growing by ~26.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 22.58 against 10.48 in 2024; short-term debt: 4.2% and cash: 17.9% of total assets), and 5.3% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
94.7%
Return on assets
14.9%
Age of the figures
18 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-09-2025, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
14 d early
2023
36 d early
2022
31 d early
2021
20 d early
2020
11 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€231k▲ 18.8%
2024 · €194k
2019: €17k
2020: €59k
2021: €93k
2022: €129k
2023: €148k
2024: €194k
2019 → 2025
Total assets
€244k▲ 13.4%
2024 · €215k
2019: €47k
2020: €90k
2021: €103k
2022: €157k
2023: €176k
2024: €215k
2019 → 2025
Net result
€36k▼ 20.7%
2024 · €46k
2019: €-8k
2020: €43k
2021: €33k
2022: €37k
2023: €34k
2024: €46k
2019 → 2025
Working capital
€220k▲ 26.8%
2024 · €173k
2019: €9k
2020: €42k
2021: €44k
2022: €93k
2023: €116k
2024: €173k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€129k▲ 39.7%€148k▲ 14.6%€194k▲ 31.0%€231k▲ 18.8%
Operating result€46k-€52k▲ 12.8%€48k▼ 7.4%€66k▲ 37.5%€50k▼ 24.1%
Net result€33k-€37k▲ 10.7%€34k▼ 7.8%€46k▲ 35.4%€36k▼ 20.7%
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 falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €244k
Fixed assets
€14k▼ 40.6%
Current assets
€230k▲ 20.0%
Equity and liabilities €244k
Equity
€231k▲ 18.8%
Debt
€13k▼ 36.7%
The debt ratio falls from 9.6% to 5.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€62k▼
2024 · €78k
Cash flow
€48k▼
2024 · €57k
Solvency
94.7%▲
2024 · 90.4%
Current ratio
22.58▲
2024 · 10.48
Quick ratio
22.58▲
2024 · 10.48
Debt / equity
0.06▼
2024 · 0.11
ROE
15.8%▼
2024 · 23.6%
ROA
14.9%▼
2024 · 21.4%
Interest coverage
60.95▲
2024 · 27.47
Debt
€13k▼
2024 · €21k
Debt ≤ 1 year
€10k▼
2024 · €18k
Income taxes
€15k▼
2024 · €18k
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€215k€244k▲
Fixed assets21/28€23k€14k▼
Tangible fixed assets22/27€23k€14k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€20k€11k▼
Other tangible fixed assets26€3k€570▼
Financial fixed assets28€250€250=
Current assets29/58€192k€230k▲
Amounts receivable within one year40/41€33k€34k▲
Trade receivables40€33k€34k▲
Other amounts receivable41€120€112▼
Current investments50/53€150k€150k=
Cash at bank and in hand54/58€832€44k▲
Deferred charges and accrued income490/1€7k€2k▼
Equity and liabilities
Total equity and liabilities10/49€215k€244k▲
Equity10/15€194k€231k▲
Contributions10/11€12k€12k=
Reserves13€182k€218k▲
Distributable reserves133€182k€218k▲
Amounts payable17/49€21k€13k▼
Amounts payable within one year42/48€18k€10k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€13k€5k▼
Taxes450/3€9k€5k▼
Remuneration and social security454/9€4k-
Other amounts payable47/48€4k€3k▼
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€880€2k▲
Gross operating margin9900€78k€63k▼
Operating profit (loss)9901€66k€50k▼
Financial income75/76B€412€2k▲
Recurring financial income75€412€2k▲
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€64k€52k▼
Income taxes67/77€18k€15k▼
Profit (loss) for the period9904€46k€36k▼
Profit (loss) for the period to be appropriated9905€46k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€36k▼
Transfer to equity691/2€46k€36k▼
To other reserves6921€46k€36k▼
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
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 22.58
Current ratio from 10.48 to 22.58; short-term debt falls from €18k to €10k.
31-03
Financial
Equity above €200kEq €231k ▲18.8%
6 profitable years in a row build equity to €231k.
2024
17-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2019net €46k ▲35.4%
Operating result €66k, net result €46k, both a record.
31-03
Financial
Equity above €150kEq €194k ▲31%
5 profitable years in a row build equity to €194k.
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Equity above €100kEq €129k ▲39.7%
3 profitable years in a row build equity to €129k.
2021
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 6.56
Current ratio from 2.44 to 6.56; short-term debt falls from €29k to €8k.
2020
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
07-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
08-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
06-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Oud-Heverlee · 1 establishment unit since 2013
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.
Dorpsstraat 653050 Oud-HeverleeGround area
845 m²
Building footprint
154 m²
Volume, LiDAR
880 m³
Parcel 24086B0216/00D000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SEBEL
since 20132.216.710.019
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24086B0216/00D000 | Flanders | 845 m² | 1 · 154 m² | 8.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400Q9KDD3RPNEMI84
Similar companies · same sector, comparable size
GO Construct
BE 0716.632.931
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De Roover & Zn
BE 0442.397.006
Begijnendijk · Eq €231k
MC Belgium Renovation
BE 0656.527.375
Waterloo · Eq €231k
COSEAS
BE 0421.598.424
Incourt · Eq €231k
JK Vastgoed & Projectontwikkeling
BE 0790.303.837
Wuustwezel · Eq €231k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 11,726 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2013
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
71121Engineering and related technical consultancy, excluding land surveyors
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.