SECA CONSULT
ActiveSECA CONSULT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €7k and a net result of €38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 314 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2026
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability100=
Solvency34▼-54
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
8.7%
Return on assets
46.8%
Age of the figures
3 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 314 sector peers (2026).
NBB · sector comparisonPosition among 314 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 15-09-2026, 138 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2026
138 d early
2025
168 d early
2024
102 d early
2023
141 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-06-2027 close31-01-2028 deadline
Financials · fiscal year 2026, micro schema
Equity
€7k▼ 89.8%
2025 · €70k
2023: €7k
2024: €36k
2025: €70k
2023 → 2026
Total assets
€82k▼ 26.1%
2025 · €110k
2023: €71k
2024: €87k
2025: €110k
2023 → 2026
Net result
€38k▲ 13.9%
2025 · €33k
2023: €4k
2024: €29k
2025: €33k
2023 → 2026
Working capital
€-12k
2025 · €49k
2023: €-8k
2024: €15k
2025: €49k
2023 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2023202420252026Trend
Equity€7k-€36k▲ 436%€70k▲ 92.6%€7k▼ 89.8%
Operating result€5k-€41k▲ 707%€46k▲ 11.0%€51k▲ 11.0%
Net result€4k-€29k▲ 685%€33k▲ 13.8%€38k▲ 13.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2026 is 11% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €82k
Fixed assets
€30k▼ 30.7%
Current assets
€52k▼ 23.2%
Equity and liabilities €82k
Equity
€7k▼ 89.8%
Debt
€74k▲ 82.7%
The debt ratio rises from 36.9% to 91.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€64k▲
2025 · €59k
Cash flow
€51k▲
2025 · €47k
Solvency
8.7%▼
2025 · 63.1%
Current ratio
0.82▼
2025 · 3.74
Quick ratio
0.82▼
2025 · 3.74
Debt / equity
10.44▲
2025 · 0.58
ROE
535.2%▲
2025 · 48.1%
ROA
46.8%▲
2025 · 30.3%
Interest coverage
28.67▲
2025 · 20.59
Debt
€74k▲
2025 · €41k
Debt ≤ 1 year
€63k▲
2025 · €18k
Debt > 1 year
€11k▼
2025 · €23k
Income taxes
€10k▲
2025 · €9k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€110k€82k▼
Fixed assets21/28€43k€30k▼
Tangible fixed assets22/27€43k€30k▼
Land and buildings22€8k€7k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€679€195▼
Leasing and similar rights25€32k€21k▼
Current assets29/58€67k€52k▼
Amounts receivable within one year40/41€314€25k▲
Trade receivables40-€24k
Other amounts receivable41€314€570▲
Cash at bank and in hand54/58€63k€23k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€110k€82k▼
Equity10/15€70k€7k▼
Contributions10/11€3k€3k=
Reserves13€67k€4k▼
Distributable reserves133€67k€4k▼
Amounts payable17/49€41k€74k▲
Amounts payable after more than one year17€23k€11k▼
Financial debts170/4€23k€11k▼
Amounts payable within one year42/48€18k€63k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€3k€4k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€25€45k▲
Accrued charges and deferred income492/3€130€130=
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€61k€66k▲
Operating profit (loss)9901€46k€51k▲
Financial income75/76B€94€230▲
Recurring financial income75€94€230▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€43k€49k▲
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€33k€38k▲
Profit (loss) for the period to be appropriated9905€33k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€38k▲
Transfer from equity791/2-€67k
Transfer to equity691/2€33k€4k▼
To other reserves6921€33k€4k▼
Profit to be distributed694/7-€101k
Return on contributions (dividend)694-€101k
The notes to these accounts (5 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 2027, expected by
2026
15-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
30-06
Financial
Highest result since 2023net €38k ▲13.9%
Operating result €51k, net result €38k, both a record.
2025
16-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
21-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Liquidity triplescurrent ratio 1.90
Current ratio from 0.60 to 1.90; short-term debt falls from €21k to €17k.
2023
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Ieper · 1 establishment unit since 2023
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.
Diksmuidestraat 608900 IeperGround area
236 m²
Building footprint
81 m²
Volume, LiDAR
726 m³
Parcel 33011G0175/00S000, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SECA CONSULT
since 20232.342.447.456
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33011G0175/00S000 | Flanders | 236 m² | 1 · 81 m² | 12.4 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.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 19,240 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-03-2023
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70210Activities of head offices; management consultancy activities
71121Engineering and related technical consultancy, excluding land surveyors
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.