SEBY CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of SEBY CONSTRUCT is 4.0% (moderate). The 2025 annual accounts show equity of €18k and a net result of €37k. Its solvency ranks better than 45% of 27559 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency68▲+68
Growth78
Track record82
Bankruptcy probability, 12 months
4.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.69 against 0.4 in 2024; short-term debt: 56.9% and cash: 1.4% of total assets), but 56.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 43
Relative position
BE, all sectors
reference
Sector 43
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
43.1%
Return on assets
88%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 2 filingsDeviation from the deadline
2025
26 d late
2024
12 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k
2024 · €-19k
2024: €-19k
2024 → 2025
Total assets
€42k▲ 153%
2024 · €17k
2024: €17k
2024 → 2025
Net result
€37k
2024 · €-20k
2024: €-20k
2024 → 2025
Working capital
€17k
2024 · €-21k
2024: €-21k
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€-19k-€18k
Operating result€-19k-€44k
Net result€-20k-€37k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €44k after a loss of €19k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €42k
Fixed assets
€2k▼ 30.9%
Current assets
€41k▲ 185%
Equity and liabilities €42k
Equity
€18k
Debt
€24k
Debt finances 56.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€45k▲
2024 · €-18k
Cash flow
€38k▲
2024 · €-20k
Solvency
43.1%▲
2024 · -113.4%
Current ratio
1.69▲
2024 · 0.40
Quick ratio
1.69▲
2024 · 0.40
Debt / equity
1.32▲
2024 · -1.88
ROE
204.0%
ROA
88.0%▲
2024 · -122.4%
Interest coverage
16.73▲
2024 · -11.49
Debt
€24k▼
2024 · €36k
Debt ≤ 1 year
€24k▼
2024 · €36k
Income taxes
€4k
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€17k€42k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€14k€41k▲
Amounts receivable within one year40/41€14k€39k▲
Trade receivables40€8k€39k▲
Other amounts receivable41€6k-
Cash at bank and in hand54/58€36€582▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€17k€42k▲
Equity10/15€-19k€18k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-20k€17k▲
Amounts payable17/49€36k€24k▼
Amounts payable within one year42/48€36k€24k▼
Trade debts44€11k€13k▲
Suppliers440/4€11k€13k▲
Taxes, remuneration and social security45-€6k
Taxes450/3-€6k
Other amounts payable47/48€25k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€572€771▲
Other operating charges640/8€204€7k▲
Gross operating margin9900€-18k€52k▲
Operating profit (loss)9901€-19k€44k▲
Financial income75/76B€132€132=
Recurring financial income75€132€132=
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-20k€42k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€-20k€37k▲
Profit (loss) for the period to be appropriated9905€-20k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€17k▲
Profit (loss) brought forward from the previous period14P-€-20k
The notes to these accounts (4 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 1.69
Current ratio from 0.40 to 1.69; short-term debt falls from €36k to €24k.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Anderlecht · 1 establishment unit since 2024
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.
Itterbeekse Laan 4591070 AnderlechtGround area
143 m²
Building footprint
71 m²
Volume, LiDAR
515 m³
Parcel 21308H0040/00M002, Brussels · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SEBY CONSTRUCT
since 20242.353.820.707
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0040/00M002 | Brussels | 143 m² | 1 · 71 m² | 11.0 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
Betonwerken Bosmans
BE 0766.285.548
Geel · Eq €18k
S.T.C.
BE 0425.672.028
Blégny · Eq €18k
CARDEY PROJECTS
BE 0787.591.795
Maaseik · Eq €18k
DOMBAT
BE 0881.958.939
Beersel · Eq €18k
BEDRIJF CDA
BE 0797.291.795
Brugge · Eq €18k
Of 15,536 companies in sector 43990 we hold annual accounts for 7,420. 5,084 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-12-2023
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43995Specialised construction activities
41001General construction of residential buildings
43110Demolition
43310Plastering work
43910Bricklaying and masonry work
43994Specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.