SECONET
ActiveSECONET has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €339k and a net result of €-228k. Equity is shrinking by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 60% of 4462 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-76
Solvency75▼-25
Growth33▼-17
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 4.54 in 2024; short-term debt: 50% and cash: 38.7% of total assets), but 50% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
8 d early
2023
28 d late
2022
11 d late
2021
19 d late
2020
24 d late
2019
4 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
€698k▲ 3.6%
2020 · €673k
2018: €694k
2019: €711k
2020: €673k
2018 → 2021
EBIT margin
0.8%▲ 3.0pp
2020 · -2.2%
2018: 1.9%
2019: -5.8%
2020: -2.2%
2018 → 2021
Net result
€-228k
2024 · €40k
2018: €11k
2019: €-42k
2020: €-16k
2021: €4k
2022: €-82k
2023: €-117k
2024: €40k
2018 → 2025
Working capital
€193k▼ 56.2%
2024 · €440k
2018: €624k
2019: €571k
2020: €557k
2021: €567k
2022: €485k
2023: €385k
2024: €440k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€698k-
Equity€726k-€644k▼ 11.3%€527k▼ 18.2%€567k▲ 7.6%€339k▼ 40.2%
Operating result€6k-€-82k€-118k▼ 43.8%€40k€-228k
Net result€4k-€-82k€-117k▼ 42.3%€40k€-228k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €228k after €40k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €679k
Fixed assets
€146k▲ 14.9%
Current assets
€532k▼ 5.7%
Equity and liabilities €679k
Equity
€339k▼ 40.2%
Debt
€339k▲ 173%
The debt ratio rises from 18.0% to 50.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-215k▼
2024 · €55k
Cash flow
€-215k▼
2024 · €55k
Solvency
50.0%▼
2024 · 82.0%
Current ratio
1.57▼
2024 · 4.54
Quick ratio
1.57▼
2024 · 4.54
Debt / equity
1.00▲
2024 · 0.22
ROE
-67.3%▼
2024 · 7.1%
ROA
-33.6%▼
2024 · 5.8%
Interest coverage
-374.78▼
2024 · 75.50
Debt
€339k▲
2024 · €124k
Debt ≤ 1 year
€339k▲
2024 · €124k
Staff costs
€967k▲
2024 · €953k
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€692k€679k▼
Fixed assets21/28€127k€146k▲
Tangible fixed assets22/27€125k€144k▲
Land and buildings22€114k€108k▼
Plant, machinery and equipment23€723€379▼
Furniture and vehicles24€11k€36k▲
Financial fixed assets28€2k€2k=
Current assets29/58€565k€532k▼
Amounts receivable within one year40/41€338k€269k▼
Trade receivables40€200k€157k▼
Other amounts receivable41€139k€112k▼
Cash at bank and in hand54/58€218k€263k▲
Deferred charges and accrued income490/1€8k€1k▼
Equity and liabilities
Total equity and liabilities10/49€692k€679k▼
Equity10/15€567k€339k▼
Contributions10/11€20k€20k=
Reserves13€760k€537k▼
Tax-exempt reserves132€760k€537k▼
Profit (loss) carried forward14€-213k€-218k▼
Amounts payable17/49€124k€339k▲
Amounts payable within one year42/48€124k€339k▲
Trade debts44€30k€32k▲
Suppliers440/4€30k€32k▲
Taxes, remuneration and social security45€95k€308k▲
Taxes450/3€33k€59k▲
Remuneration and social security454/9€61k€249k▲
Income statement
Code20242025
Remuneration, social security and pensions62€953k€967k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€13k▼
Other operating charges640/8€5k€5k▲
Non-recurring operating charges66A-€223k
Gross operating margin9900€1.01M€980k▼
Operating profit (loss)9901€40k€-228k▼
Financial income75/76B€485€663▲
Recurring financial income75€485€663▲
Financial charges65/66B€730€574▼
Recurring financial charges65€730€574▼
Profit (loss) for the period before taxes9903€40k€-228k▼
Profit (loss) for the period9904€40k€-228k▼
Profit (loss) for the period to be appropriated9905€40k€-228k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-213k€-441k▼
Profit (loss) brought forward from the previous period14P€-253k€-213k▲
Transfer from equity791/2-€223k
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-228k ▼668%
Net result drops to €-228k, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €40k
Net result €40k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 19 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mons · 1 establishment unit since 2004
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.
Route de Wallonie (G.) 197011 MonsGround area
433 m²
Building footprint
97 m²
Volume, LiDAR
704 m³
Parcel 53030B0738/00K004, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Seconet
since 20042.135.027.804
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53030B0738/00K004 | Wallonia | 433 m² | 1 · 97 m² | 9.3 m · 2 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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KARMA CONSTRUCT
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Of 7,010 companies in sector 81220 we hold annual accounts for 2,416. 1,583 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded24-12-2003
Fiscal year end31-12
Activities, NACEBEL
74700
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.