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SEBI-CO

Active
Private limited company (pre-2019)founded 20197 yrs activeRue du Meunier(Graty) 15, 7830 Silly, BelgiumKBO/BCE: BE 0717.569.178
Summary

The computed 12-month bankruptcy probability of SEBI-CO is 3.2% (moderate). The 2025 annual accounts show equity of €30,011 and a net result of -€34,106. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 34% of 9042 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
SEBI-COActiveChecked score 48/100
Risk analysis ReportCompare

Overview

Activity
Joinery installation
NACE 43320
1 site
Size
€95,617total assets 2025
Equity
€30,011
Loss
-€34,106
Financial health
48 Fair Checked score 2025
Bankruptcy chance 12 m
3.2%
Structure
Accounts filed 52 d late0 of 3 deeds read
Why 48- Latest accounts 52 days late; 3 of the last 3 late- Loss of €34,106 (FY 2025)- Liquidity: current ratio 1.27, cash €1,352, halved+ Size: total assets €95,617Show the evidence

Checked score

Score 2025
48 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 15% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2022
Weak
Solvency 56+12
equity 31.4% of total assets
Liquidity 15-2
short-term debt 68.6% · cash 1.4%
Profitability 0-87
return on assets -35.7%
Bankruptcy probability, 12 months
3.2% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,046 companies)
Last 24 months 11-2024: 5.4% 12-2024: 6.3%▲ +15.6% vs 11-2024 01-2025: 8.6%▲ +37.5% vs 12-2024 02-2025: 8.6%● 0.0% vs 01-2025 03-2025: 8.9%▲ +3.2% vs 02-2025 04-2025: 8.2%▼ -8.1% vs 03-2025 05-2025: 8.2%● 0.0% vs 04-2025 06-2025: 8.0%▼ -1.6% vs 05-2025 07-2025: 8.0%● 0.0% vs 06-2025 08-2025: 9.7%▲ +21.2% vs 07-2025 09-2025: 10.4%▲ +6.6% vs 08-2025 10-2025: 10.4%● 0.0% vs 09-2025 11-2025: 10.4%● 0.0% vs 10-2025 12-2025: 10.4%● 0.0% vs 11-2025 01-2026: 10.4%● 0.0% vs 12-2025 02-2026: 10.4%● 0.0% vs 01-2026 03-2026: 10.4%▲ +0.4% vs 02-2026highest value 04-2026: 10.4%● 0.0% vs 03-2026highest value 05-2026: 10.4%● 0.0% vs 04-2026highest value 06-2026: 10.4%● 0.0% vs 05-2026highest value 07-2026: 10.4%● 0.0% vs 06-2026highest value 08-2026: 9.9%▼ -4.7% vs 07-2026 09-2026: 9.9%● 0.0% vs 08-2026 10-2026: 3.2%▼ -67.7% vs 09-2026lowest value
  • Latest accounts 52 days late; 3 of the last 3 late raises the probability
  • Loss of €34,106 (FY 2025) raises the probability
  • Size: total assets €95,617 lowers the probability for this profile
  • Liquidity: current ratio 1.27, cash €1,352, halved raises the probability
Credit up to €1,000 at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.1 in 2022; short-term debt: 68.6% and cash: 1.4% of total assets), and 68.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 33%, liquidity 8%, profitability 4%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 52 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Loss of €34,106 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: total assets €95,617
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 1.27, cash €1,352, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-09-2026, 52 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 · 5 filings
Deviation from the deadline
2025
52 d late
2022
31 d late
2021
120 d late
2020
31 d late
2019
95 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 66 days after the deadline; the sector median for financial year 2022 is 1 day before the deadline, and 46% of the sector filed late.

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. Usually files around 21 September (4 of the last 5 filed years within 44 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Weakest financial yearnet -€34,106
  3. Annual accounts filedfiscal year 2022 · full…

Key points

  • Caution: Among the weakest 9% on net resultsector median €27,666 · 9,035 companies -€34,106 View
  • Total assets 20255 fiscal years filed €95,617 View
  • Active since 2019founded 03-01-2019 7 years View

By topic

Financials

Fiscal year
2025
Total assets
€95,617
Loss
-€34,106
Solvency
31.4%
Total assets▼ 46.8%
Net result
20192025
Go to Financials

Timeline

Events
7
Since
2020
Next accounts
by 31-07-2027
  1. 21-09-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 31-08-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Joinery installationNACE 43320
Founded
03-01-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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