Sebtor
ActiveSebtor is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €397k and a net result of €110k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 54% of 7954 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 13-05-2026, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
1 d early
2023
8 d early
2022
33 d early
2021
12 d late
2020
33 d early
2019
53 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€397k▼ 8.3%
2024 · €434k
2018: €313k
2019: €373k
2020: €393k
2021: €434k
2022: €456k
2023: €470k
2024: €434k
2018 → 2025
Net result
€110k
2024 · €-23k
2018: €75k
2019: €59k
2020: €21k
2021: €95k
2022: €22k
2023: €14k
2024: €-23k
2018 → 2025
Total assets
€706k▲ 4.4%
2024 · €676k
2018: €729k
2019: €738k
2020: €757k
2021: €832k
2022: €783k
2023: €757k
2024: €676k
2018 → 2025
Solvency
56.3%▼ 7.8pp
2024 · 64.1%
2018: 43.0%
2019: 50.5%
2020: 51.9%
2021: 52.2%
2022: 58.3%
2023: 62.1%
2024: 64.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€434k-€456k▲ 5.2%€470k▲ 3.0%€434k▼ 7.8%€397k▼ 8.3%
Operating result€27k-€12k▼ 56.9%€23k▲ 95.7%€41k▲ 79.5%€144k▲ 248%
Net result€95k-€22k▼ 76.3%€14k▼ 38.7%€-23k€110k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 248% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €706k
Fixed assets
€632k▼ 0.7%
Current assets
€74k▲ 86.4%
Equity and liabilities €706k
Equity
€397k▼ 8.3%
Debt
€309k▲ 27.3%
The debt ratio rises from 35.9% to 43.7%: debt grows while equity shrinks.
Key figures and ratios
Solvency
56.3%▼
2024 · 64.1%
ROE
27.7%▲
2024 · -5.3%
ROA
15.6%▲
2024 · -3.4%
Debt
€309k▲
2024 · €243k
Debt ≤ 1 year
€133k▲
2024 · €40k
Debt > 1 year
€175k▼
2024 · €203k
Income taxes
€33k▲
2024 · €7k
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€676k€706k▲
Fixed assets21/28€636k€632k▼
Tangible fixed assets22/27€85k€81k▼
Land and buildings22€85k€81k▼
Financial fixed assets28€551k€551k=
Current assets29/58€40k€74k▲
Amounts receivable within one year40/41€25k€59k▲
Trade receivables40€24k€58k▲
Other amounts receivable41€1k€1k=
Current investments50/53-€10k
Cash at bank and in hand54/58€14k€3k▼
Deferred charges and accrued income490/1€19€3k▲
Equity and liabilities
Total equity and liabilities10/49€676k€706k▲
Equity10/15€434k€397k▼
Contributions10/11€220k€220k=
Reserves13€237k€177k▼
Distributable reserves133€237k€177k▼
Profit (loss) carried forward14€-23k-
Amounts payable17/49€243k€309k▲
Amounts payable after more than one year17€203k€175k▼
Financial debts170/4€203k€175k▼
Amounts payable within one year42/48€40k€133k▲
Current portion of amounts payable after more than one year42€22k€18k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€5k€25k▲
Taxes450/3€5k€25k▲
Other amounts payable47/48€9k€88k▲
Accrued charges and deferred income492/3-€385
Income statement
Code20242025
Non-recurring operating income76A€17k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€3k€966▼
Gross operating margin9900€49k€150k▲
Operating profit (loss)9901€41k€144k▲
Financial charges65/66B€57k€1k▼
Recurring financial charges65€1k€1k▲
Non-recurring financial charges66B€56k-
Profit (loss) for the period before taxes9903€-16k€143k▲
Income taxes67/77€7k€33k▲
Profit (loss) for the period9904€-23k€110k▲
Profit (loss) for the period to be appropriated9905€-23k€110k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€87k▲
Profit (loss) brought forward from the previous period14P-€-23k
Transfer from equity791/2€13k€59k▲
Profit to be distributed694/7€13k€146k▲
Return on contributions (dividend)694€13k€146k▲
The notes to these accounts (8 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
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €110k
Net result €110k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-23k ▼268%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity times 17current ratio 1.08
Current ratio from 0.07 to 1.08; short-term debt falls from €352k to €43k.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2024
This board is reconstructed from a single act (24396380). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
MELIS Seb
CurrentDirector · since 10-05-2024
MELIS Torre
CurrentDirector · since 10-05-2024
WILLEMS Leen
CurrentDirector · since 10-05-2024
WILLEMS Tom
CurrentDirector · since 10-05-2024
10-05-2024
MELIS Seb: Appointed as Director
10-05-2024
MELIS Torre: Appointed as Director
10-05-2024
WILLEMS Leen: Appointed as Director
10-05-2024
WILLEMS Tom: Appointed as Director
Location & real-estate footprint
Registered office, Mol · 1 establishment unit since 2013
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.
Bruggeske 62400 MolGround area
756 m²
Building footprint
147 m²
Parcel 13435C1736/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
Sebtor
since 20132.224.066.775
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13435C1736/00A000 | Flanders | 756 m² | 1 · 147 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.
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Back5
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LPE Consulting
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,713 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2013
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.