SEBI CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of SEBI CONSTRUCT is 2.0% (moderate). The 2025 annual accounts show equity of €157,738 and a net result of €50,065. Equity is growing by ~40.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 9976 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+12
Solvency100▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 6.66 against 3.04 in 2024; short-term debt: 14.9% and cash: 3.4% of total assets), and 14.9% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-09-2026, 55 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 · 6 filingsDeviation from the deadline
2025
55 d late
2024
60 d late
2023
34 d late
2022
29 d late
2021
2 d early
2020
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 34 days after the deadline; the sector median for financial year 2024 is on the deadline day, 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€157,738▲ 46.5%
2024 · €107,674
Total assets
€185,409▲ 15.5%
2024 · €160,520
Net result
€50,065▲ 97.7%
2024 · €25,328
Working capital
€156,573▲ 45.4%
2024 · €107,674
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€27,396▲ 509%€22,396▼ 18.2%€49,695▲ 122%€38,457▼ 22.6%€67,452▲ 75.4%
Net result€21,073▲ 571%€15,920▼ 24.5%€36,210▲ 127%€25,328▼ 30.1%€50,065▲ 97.7%
Equity€30,215▲ 231%€46,135▲ 52.7%€82,346▲ 78.5%€107,674▲ 30.8%€157,738▲ 46.5%
Total assets€41,118▲ 180%€78,373▲ 90.6%€127,111▲ 62.2%€160,520▲ 26.3%€185,409▲ 15.5%
Debt€10,903▲ 97.5%€32,238▲ 196%€44,765▲ 38.9%€52,846▲ 18.1%€27,671▼ 47.6%
Working capital€23,568▲ 510%€42,850▲ 81.8%€82,131▲ 91.7%€107,674▲ 31.1%€156,573▲ 45.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 75% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185,409
Fixed assets
€1,165
Current assets
€184,244
Equity and liabilities €185,409
Equity
€157,738 ▲ 46.5%
Debt
€27,671 ▼ 47.6%
Debt's share of the balance-sheet total falls from 32.9% to 14.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€67,678▲
2024 · €38,672
Cash flow
€50,291▲
2024 · €25,543
Current ratio
6.66▲
2024 · 3.04
Debt to equity
0.18▼
2024 · 0.49
ROE
31.7%▲
2024 · 23.5%
ROA
27.0%▲
2024 · 15.8%
Interest coverage
38.69▲
2024 · 23.42
Debt ≤ 1 year
€27,671▼
2024 · €52,846
Income taxes
€15,644▲
2024 · €11,477
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,147 | €3,362 | €3,071 | €215 | €226 | ▲ 5.2% |
| Other operating charges640/8 | €508 | €369 | €539 | €512 | - | - |
| Gross operating margin9900 | €31,051 | €26,127 | €53,305 | €39,184 | €67,678 | ▲ 72.7% |
| Operating profit (loss)9901 | €27,396 | €22,396 | €49,695 | €38,457 | €67,452 | ▲ 75.4% |
| Financial income75/76B | - | - | €1 | - | €6 | - |
| Recurring financial income75 | - | - | €1 | - | €6 | - |
| Financial charges65/66B | €965 | €2,225 | €2,849 | €1,652 | €1,749 | ▲ 5.9% |
| Recurring financial charges65 | €965 | €2,225 | €2,849 | €1,652 | €1,749 | ▲ 5.9% |
| Profit (loss) for the period before taxes9903 | €26,431 | €20,171 | €46,847 | €36,805 | €65,708 | ▲ 78.5% |
| Income taxes67/77 | €5,358 | €4,251 | €10,637 | €11,477 | €15,644 | ▲ 36.3% |
| Profit (loss) for the period9904 | €21,073 | €15,920 | €36,210 | €25,328 | €50,065 | ▲ 97.7% |
| Profit (loss) for the period to be appropriated9905 | €21,073 | €15,920 | €36,210 | €25,328 | €50,065 | ▲ 97.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €41,118 | €78,373 | €127,111 | €160,520 | €185,409 | ▲ 15.5% |
| Fixed assets21/28 | €6,647 | €3,286 | €215 | - | €1,165 | - |
| Tangible fixed assets22/27 | €6,647 | €3,286 | €215 | - | €1,165 | - |
| Plant, machinery and equipment23 | €3,186 | €1,523 | - | - | - | - |
| Furniture and vehicles24 | €3,461 | €1,763 | €215 | - | €1,165 | - |
| Current assets29/58 | €34,470 | €75,087 | €126,896 | €160,520 | €184,244 | ▲ 14.8% |
| Amounts receivable within one year40/41 | €13,902 | €48,113 | €113,244 | €133,135 | €176,775 | ▲ 32.8% |
| Trade receivables40 | €88 | - | - | €1,837 | €26,826 | ▲ 1,361% |
| Other amounts receivable41 | €13,814 | €48,113 | €113,244 | €131,298 | €149,949 | ▲ 14.2% |
| Cash at bank and in hand54/58 | €20,446 | €25,567 | €10,955 | €26,803 | €6,248 | ▼ 76.7% |
| Deferred charges and accrued income490/1 | €122 | €1,408 | €2,696 | €582 | €1,221 | ▲ 110% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €41,118 | €78,373 | €127,111 | €160,520 | €185,409 | ▲ 15.5% |
| Equity10/15 | €30,215 | €46,135 | €82,346 | €107,674 | €157,738 | ▲ 46.5% |
| Contributions10/11 | €6,000 | €6,000 | €6,000 | €6,000 | €6,000 | = |
| Profit (loss) carried forward14 | €24,215 | €40,135 | €76,346 | €101,674 | €151,738 | ▲ 49.2% |
| Amounts payable17/49 | €10,903 | €32,238 | €44,765 | €52,846 | €27,671 | ▼ 47.6% |
| Amounts payable within one year42/48 | €10,903 | €32,238 | €44,765 | €52,846 | €27,671 | ▼ 47.6% |
| Trade debts44 | €2,571 | €6,166 | €444 | €59 | €118 | ▲ 100% |
| Suppliers440/4 | €2,571 | €6,166 | €444 | €59 | €118 | ▲ 100% |
| Taxes, remuneration and social security45 | €8,332 | €26,072 | €44,321 | €52,787 | €27,553 | ▼ 47.8% |
| Taxes450/3 | €6,560 | €9,900 | €13,749 | €22,215 | €27,553 | ▲ 24.0% |
| Remuneration and social security454/9 | €1,772 | €16,172 | €30,572 | €30,572 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,073 | €15,920 | €36,210 | €25,328 | €50,065 | ▲ 97.7% |
| + Depreciation and write-downs630 | €3,147 | €3,362 | €3,071 | €215 | €226 | ▲ 5.2% |
| Operating cash flow (approximation) | €24,221 | €19,282 | €39,281 | €25,543 | €50,291 | ▲ 96.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €5,120 | -€14,612 | €15,848 | -€20,555 | ▼ 230% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 55 days late
2025
31-12
Financial
Highest result since 2020net €50,065 ▲97.7%
Operating result €67,452, net result €50,065, both a record.
31-12
Financial
Liquidity doublescurrent ratio 6.66
Current ratio from 3.04 to 6.66; short-term debt falls from €52,846 to €27,671.
31-12
Financial
Equity above €150,000Eq €157,738 ▲46.5%
6 profitable years in a row build equity to €157,738.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Equity above €100,000Eq €107,674 ▲30.8%
5 profitable years in a row build equity to €107,674.
03-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 34 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Sint-Pieters-Leeuw · 1 establishment unit since 2020
Ground area
9,987 m²
Building footprint
1,484 m²
Volume, LiDAR
1,248 m³
2 parcels, Flanders, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
300
companies at this address
See who is registered here
1 establishment unit
Rue Neuville 10, 4260 Braives
since 20202.300.646.988
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23582E0505/00E000 | Flanders | 8,312 m² | 1 · 1,330 m² | - |
| 64017A0227/00F000 | Wallonia | 1,676 m² | 1 · 154 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,039. 13,050 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43350Other building finishing work
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.