SEBIHOME
ActiveThe computed 12-month bankruptcy probability of SEBIHOME is 3.9% (moderate). The 2025 annual accounts show negative equity (€-75k) and a net result of €-46k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 18207 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
14
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
3.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.29 against 0.57 in 2024; short-term debt: 284.3% and cash: 2.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-184.3%
Return on assets
-112.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €-75k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 filingsDeviation from the deadline
2025
27 d late
2024
19 d late
2023
8 d early
2022
38 d early
2021
54 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-75k▼ 158%
2024 · €-29k
2021: €-8k
2022: €-18k
2023: €1k
2024: €-29k
2021 → 2025
Total assets
€41k▼ 19.1%
2024 · €50k
2021: €42k
2022: €32k
2023: €46k
2024: €50k
2021 → 2025
Net result
€-46k▼ 52.4%
2024 · €-30k
2021: €-10k
2022: €-10k
2023: €19k
2024: €-30k
2021 → 2025
Working capital
€-82k▼ 209%
2024 · €-27k
2021: €2k
2022: €-11k
2023: €5k
2024: €-27k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-8k-€-18k▼ 135%€1k€-29k€-75k▼ 158%
Operating result€-8k-€-9k▼ 11.3%€24k€-28k€-43k▼ 56.2%
Net result€-10k-€-10k▼ 7.6%€19k€-30k€-46k▼ 52.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €43k in 2025 against €28k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41k
Fixed assets
€7k▼ 52.3%
Current assets
€34k▼ 5.5%
Key figures and ratios
EBITDA
€-36k▼
2024 · €-19k
Cash flow
€-38k▼
2024 · €-22k
Solvency
-184.3%▼
2024 · -57.8%
Current ratio
0.29▼
2024 · 0.57
Quick ratio
0.29▼
2024 · 0.57
Debt / equity
-1.54▲
2024 · -2.73
ROA
-112.9%▼
2024 · -60.0%
Interest coverage
-13.08▼
2024 · -6.41
Debt
€116k▲
2024 · €80k
Debt ≤ 1 year
€116k▲
2024 · €62k
Income taxes
€141▼
2024 · €279
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€50k€41k▼
Fixed assets21/28€15k€7k▼
Intangible fixed assets21€5k€762▼
Tangible fixed assets22/27€10k€6k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€441€171▼
Financial fixed assets28€293€293=
Current assets29/58€36k€34k▼
Amounts receivable within one year40/41€31k€30k▼
Trade receivables40€31k€30k▼
Other amounts receivable41-€74
Cash at bank and in hand54/58€4k€925▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€50k€41k▼
Equity10/15€-29k€-75k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-31k€-77k▼
Amounts payable17/49€80k€116k▲
Amounts payable after more than one year17€17k-
Financial debts170/4€17k-
Amounts payable within one year42/48€62k€116k▲
Current portion of amounts payable after more than one year42€7k€17k▲
Trade debts44€39k€50k▲
Suppliers440/4€39k€50k▲
Taxes, remuneration and social security45€9k€9k▼
Taxes450/3€7k€7k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€7k€40k▲
Accrued charges and deferred income492/3-€2
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€-16k€-35k▼
Operating profit (loss)9901€-28k€-43k▼
Financial income75/76B€729€70▼
Recurring financial income75€729€70▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-30k€-46k▼
Income taxes67/77€279€141▼
Profit (loss) for the period9904€-30k€-46k▼
Profit (loss) for the period to be appropriated9905€-30k€-46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-77k▼
Profit (loss) brought forward from the previous period14P€-896€-31k▼
The notes to these accounts (10 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-46k
Net result drops to €-46k, the lowest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.26
Current ratio from 0.44 to 1.26.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Havelange · 1 establishment unit since 2021
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.
Tige des Roches(MI) 75376 HavelangeGround area
1,850 m²
Building footprint
80 m²
Parcel 91091A0043/00N003, Wallonia. Linked by address, not a title deed.
1 establishment unit
SEBIHOME
since 20212.312.486.928
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91091A0043/00N003 | Wallonia | 1,850 m² | 1 · 80 m² | - |
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.
Similar companies · same sector, comparable size
TRIBU
BE 0465.887.931
Kraainem · Eq €2k
BEE BOUTIQUE
BE 0783.406.840
Waterloo · Eq €2k
VijayaBalaji Enterprises
BE 1025.676.119
Etterbeek · Eq €2k
ARMA IMPEX
BE 0746.958.396
Sint-Agatha-Berchem · Eq €2k
CAST Trading
BE 0542.681.445
Antwerpen · Eq €2k
Of 426 companies in sector 47553 we hold annual accounts for 169. 31 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2021
Fiscal year end31-12
Activities, NACEBEL
47553Retail trade
47593Retail trade
46471Wholesale trade
46474Wholesale trade
47551Retail sale of household furniture
47552Retail sale of lighting equipment
47591Retail trade
47592Retail trade
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:sebastien@sebihome.be
Phone:+32498299769
Phone:0498/299769