Equity
€145,736 from €1.0m in 2016
Equity fell by 86% in 9 years.
SebInvest
Lifetime
15 annual accounts with figures on one time axispeak €214,331 (2016)
€153,680▲ 0.5%
lowest -€104,079 (2014)
€72,463▲ 299×
peak €1.0m (2016)
€145,736▲ 98.9%
€1.7m▼ 4.4%
peak 0 FTE (2016)
0 FTE
Board5 names since 2016
1 directorSEPPE
Documentsfilings and deeds
14-04-2026108 days before the deadline
2025abbreviated format
Result from €242 to €72,463Resignation: Zöebe CommV (director) 22-08Equity from €73,273 to €145,736Cash from €1,004 to €5,263
Key points
from the 2025 annual accountsChecked score
85
Excellent
Financially stronger than 42% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.6%▲ +0.1 percentage points vs 04-2025
06-2025: 0.7%▲ +0.1 percentage points vs 05-2025
07-2025: 0.8%▲ +0.1 percentage points vs 06-2025
08-2025: 1.2%▲ +0.4 percentage points vs 07-2025
09-2025: 1.3%▲ +0.1 percentage points vs 08-2025highest value
10-2025: 1.0%▼ -0.3 percentage points vs 09-2025
11-2025: 1.0%● unchanged vs 10-2025
12-2025: 1.0%● unchanged vs 11-2025
01-2026: 0.9%▼ -0.1 percentage points vs 12-2025
02-2026: 1.0%▲ +0.1 percentage points vs 01-2026
03-2026: 1.0%● unchanged vs 02-2026
04-2026: 1.0%● unchanged vs 03-2026
05-2026: 0.3%▼ -0.7 percentage points vs 04-2026lowest value
06-2026: 0.3%● unchanged vs 05-2026lowest value
07-2026: 0.3%● unchanged vs 06-2026lowest value
08-2026: 0.3%● unchanged vs 07-2026lowest value
09-2026: 0.3%● unchanged vs 08-2026lowest value
10-2026: 0.3%● unchanged vs 09-2026lowest value
11-2026: 0.3%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 1.15, cash €5,263
Equity €145,736 (7.9% of total assets)
lowers risk
Size: total assets €1.8m
Figures for financial year 2025 (filed on 14-04-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 29% of them on solvency, 6% on liquidity, 42% on profitability and 91% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,448 companies had the same profile as SebInvest has now. Each dot stands for 4 companies, two years later.
95.6%
were still trading
2.1%
stopped another way
2.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SebInvest itself is lower: 0.3% within 12 months. It rests on far more data about SebInvest than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,448 companies, not a prediction for SebInvest. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €12,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.15 (1.03 in 2024), below the usual 1.5. Short-term debt is 86.7% and cash 0.3% of total assets. 92.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €145,736
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-04-2026, 108 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
108 days early
2024
29 days late
2023
34 days early
2022
31 days late
2021
61 days late
2020
58 days late
2019
69 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 15 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (4 of the last 5 accounts filed within 62 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Environmental permit granted
Verbouwen en/of uitbreiden van bijgebouwen en niet overdekte lage constructies · Vosselaar
Environmental permit granted
Bomen vellen die geen deel uitmaken van een bos en/of bodemreliëf wijzigen, Bouwen of herbouwen, Nieuwbouw van bijgebouwen en niet overdekte lage constructie and 1 more · Balen
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0829384840
Resignation: Zöebe CommV (director)
Permanent representative: Segbreghts Els · General meeting of 20-05-2025 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SebInvest Zoersel | €1.8m | €153,680 | 7.9% | 0 |
| BAARL'S ROEM Baarle-Hertog | €2.3m | €109,242 | 64.6% | 0 |
| BORNEM INVESTMENT COMPANY Bornem | €2.0m | €265,735 | 73.1% | 0 |
| LINECA Boechout | €1.7m | €47,348 | 14.1% | 0 |
| Webo Projects Herentals | €1.3m | €66,613 | 38.8% | 0 |
| BeDiVe Wingene | €1.6m | €281,707 | 78.8% | 0 |
| SD Consult Oostende Ostend | €2.6m | €194,212 | 56.1% | 0 |
These companies have the same main activity as SebInvest: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €1.3m and €2.6m, founded between 2004 and 2011.
Official details
Source: KBO- Status
- Active since 16-09-2010Normal situation
- Activity
- Development of residential building projectsNACE 68121
- Establishment unit
- 2.191.773.8912980 Zoersel, since 16-09-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 01-11-2025
Annual accounts 2025
- ≈ €330,000estimated
- €1.8m▼ 0.3%
- Filing
- Filed on 14-04-2026, 108 days before the end of the filing period
Insights on SebInvest
SebInvest files the abbreviated format. That format states no turnover. The gross margin rose from €1,018 in 2011 to €153,680 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SebInvest
- What is the company number of SebInvest?
- The company number of SebInvest is 0829.384.840. The VAT number is the same number with BE in front: BE 0829.384.840.
- Where is SebInvest based?
- The registered office is at Koekoekdreef 1, 2980 Zoersel.Company details
- What does SebInvest do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of SebInvest?
- SebInvest is a private limited company (pre-2019) (BVBA).
- When was SebInvest founded?
- SebInvest was founded on 16-09-2010.
- Is SebInvest still active?
- Yes, SebInvest is an active enterprise in the KBO register.
- What is the turnover of SebInvest?
- The turnover in financial year 2025 is ≈ €330,000. This figure is estimated from the gross margin of €153,680 and 33 comparable companies (NACE 681). It probably lies between €210,000 and €750,000.Financials
- Is SebInvest profitable?
- In financial year 2025, SebInvest made a profit of €72,463.
- Where can I find the annual accounts of SebInvest?
- SebInvest filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SebInvest due?
- SebInvest must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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