Sebiog Group
ActiveThe computed 12-month bankruptcy probability of Sebiog Group is 1.5% (moderate). The 2025 annual accounts show equity of €714k and a net result of €993k. Its solvency ranks better than 19% of 2162 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+73
Solvency34▲+12
Growth78
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.79 against 0.34 in 2024; short-term debt: 21.8% and cash: 10% of total assets), and 90.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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
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
9.4%
Return on assets
13.1%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2162 sector peers (2025).
NBB · sector comparisonPosition among 2162 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-01-2026, 22 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
22 d early
2024
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€714k
2024 · €-279k
2024: €-279k
2024 → 2025
Total assets
€7.60M▼ 11.2%
2024 · €8.56M
2024: €8.56M
2024 → 2025
Net result
€993k
2024 · €-479k
2024: €-479k
2024 → 2025
Working capital
€-344k▲ 92.9%
2024 · €-4.84M
2024: €-4.84M
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€-279k-€714k
Operating result€-370k-€1.14M
Net result€-479k-€993k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1.14M after a loss of €370k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.60M
Fixed assets
€6.29M▲ 2.9%
Current assets
€1.31M▼ 46.4%
Equity and liabilities €7.60M
Equity
€714k
Debt
€6.89M
Debt finances 90.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€1.64M▲
2024 · €-29k
Cash flow
€1.49M▲
2024 · €-137k
Solvency
9.4%▲
2024 · -3.3%
Current ratio
0.79▲
2024 · 0.34
Quick ratio
0.79▲
2024 · 0.34
Debt / equity
9.64▲
2024 · -31.74
ROE
139.0%
ROA
13.1%▲
2024 · -5.6%
Interest coverage
11.12▲
2024 · -0.26
Debt
€6.89M▼
2024 · €8.84M
Debt ≤ 1 year
€1.66M▼
2024 · €7.30M
Debt > 1 year
€5.23M▲
2024 · €1.54M
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€8.56M€7.60M▼
Fixed assets21/28€6.11M€6.29M▲
Tangible fixed assets22/27€6.11M€6.29M▲
Plant, machinery and equipment23€863k€4.05M▲
Leasing and similar rights25€2.39M€2.24M▼
Assets under construction and advance payments27€2.85M€0▼
Current assets29/58€2.45M€1.31M▼
Amounts receivable within one year40/41€2.44M€552k▼
Trade receivables40€2.43M€552k▼
Other amounts receivable41€16k€90▼
Cash at bank and in hand54/58-€760k
Deferred charges and accrued income490/1€9k€2k▼
Equity and liabilities
Total equity and liabilities10/49€8.56M€7.60M▼
Equity10/15€-279k€714k▲
Contributions10/11€200k€200k=
Capital10€200k€200k=
Issued capital100€200k€200k=
Reserves13-€514k
Non-distributable reserves130/1-€26k
Legal reserve130-€26k
Distributable reserves133-€489k
Profit (loss) carried forward14€-479k€0▲
Amounts payable17/49€8.84M€6.89M▼
Amounts payable after more than one year17€1.54M€5.23M▲
Financial debts170/4€1.54M€5.23M▲
Amounts payable within one year42/48€7.30M€1.66M▼
Current portion of amounts payable after more than one year42€354k€358k▲
Financial debts43€942k€0▼
Credit institutions430/8€942k€0▼
Trade debts44€2.75M€774k▼
Suppliers440/4€2.75M€774k▼
Taxes, remuneration and social security45-€133k
Taxes450/3-€133k
Other amounts payable47/48€3.25M€394k▼
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€342k€501k▲
Other operating charges640/8€2k€649▼
Gross operating margin9900€-27k€1.64M▲
Operating profit (loss)9901€-370k€1.14M▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€111k€147k▲
Recurring financial charges65€111k€147k▲
Profit (loss) for the period before taxes9903€-479k€993k▲
Profit (loss) for the period9904€-479k€993k▲
Profit (loss) for the period to be appropriated9905€-479k€993k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-479k€514k▲
Profit (loss) brought forward from the previous period14P-€-479k
Transfer to equity691/2-€514k
To the legal reserve6920-€26k
To other reserves6921-€489k
Social balance
Average headcount (FTE)90870.00.0=
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
09-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Back to profitnet €993k
Net result €993k after one loss-making year.
30-06
Financial
Equity above €500kEq €714k
Equity rises from €-279k to €714k.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated 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, Bocholt · 1 establishment unit since 2022
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.
Kreyelerstraat 7c3950 BocholtGround area
2.3 ha
Building footprint
1,858 m²
Volume, LiDAR
15,931 m³
Parcel 72003B0496/00C003, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sebiog Group
since 20222.335.809.389
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72003B0496/00C003 | Flanders | 2.3 ha | 1 · 1,858 m² | 12.2 m · 3 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.
Similar companies · same sector, comparable size
LIEVENSBOUW
BE 0843.527.143
Torhout · Eq €714k
O.D. CONSTRUCT
BE 0461.611.518
Silly · Eq €714k
M²CONSTRUCT
BE 0548.719.003
Namur · Eq €714k
BOUWONDERNEMING VANDEVOORT
BE 0431.951.886
Nieuwerkerken (Limb.) · Eq €715k
BOUWPROJECTEN MINNAERT-BERTH
BE 0447.139.910
Kaprijke · Eq €713k
Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 7,792 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-09-2022
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
35110Production of electricity from non-renewable sources
38110Waste collection, recovery and disposal activities
38210Materials recovery from waste
38211Waste collection, recovery and disposal activities
38323Waste collection, recovery and disposal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.