SEDER
ActiveThe computed 12-month bankruptcy probability of SEDER is 1.8% (moderate). The 2025 annual accounts show equity of €22k and a net result of €-48. Equity is growing by ~37.7% per year across the filed fiscal years. Its solvency ranks better than 69% of 7321 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy▼ -31 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency99=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.61 against 2.62 in 2024), and 38.3% 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
61.7%
Return on assets
-0.1%
Age of the figures
8 mo
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
32 d late
2023
61 d late
2022
47 d late
2020
173 d late
2018
31 d late
2017
57 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▼ 0.2%
2024 · €22k
2018: €5k
2020: €4k
2022: €5k
2023: €12k
2024: €22k
2018 → 2025
Total assets
€36k=
2024 · €36k
2018: €5k
2020: €14k
2022: €15k
2023: €26k
2024: €36k
2018 → 2025
Net result
€-48
2024 · €11k
2020: €543
2023: €7k
2024: €11k
2020 → 2025
Working capital
€22k▼ 0.2%
2024 · €22k
2020: €4k
2022: €5k
2023: €12k
2024: €22k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€4k-€5k▲ 8.6%€12k▲ 145%€22k▲ 89.9%€22k▼ 0.2%
Operating result€9k€8k▼ 10.0%€-48
Net result€543-€7k€11k▲ 52.1%€-48
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €48 after €8k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €36k
Equity
€22k▼ 0.2%
Debt
€14k▲ 0.4%
The debt ratio rises from 38.1% to 38.3%: debt grows while equity shrinks.
Key figures and ratios
Solvency
61.7%▼
2024 · 61.9%
Current ratio
2.61▼
2024 · 2.62
Quick ratio
2.61▼
2024 · 2.62
Debt / equity
0.62▲
2024 · 0.62
ROE
-0.2%▼
2024 · 47.4%
ROA
-0.1%▼
2024 · 29.3%
Debt
€14k▲
2024 · €14k
Debt ≤ 1 year
€14k▲
2024 · €14k
Income taxes
€0▲
2024 · €-2k
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€36k€36k=
Current assets29/58€36k€36k=
Amounts receivable within one year40/41€35k€35k=
Trade receivables40€35k€35k=
Other amounts receivable41€222€230▲
Cash at bank and in hand54/58€930€930=
Equity and liabilities
Total equity and liabilities10/49€36k€36k=
Equity10/15€22k€22k▼
Contributions10/11€6k€6k=
Reserves13€172€172=
Non-distributable reserves130/1€172€172=
Reserves not available under the articles1311€172€172=
Profit (loss) carried forward14€16k€16k▼
Amounts payable17/49€14k€14k▲
Amounts payable within one year42/48€14k€14k▲
Trade debts44€14k€14k▲
Suppliers440/4€14k€14k▲
Taxes, remuneration and social security45€210€210=
Taxes450/3€210€210=
Income statement
Code20242025
Gross operating margin9900€8k€-48▼
Operating profit (loss)9901€8k€-48▼
Profit (loss) for the period before taxes9903€8k€-48▼
Income taxes67/77€-2k€0▲
Profit (loss) for the period9904€11k€-48▼
Profit (loss) for the period to be appropriated9905€11k€-48▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€16k▼
Profit (loss) brought forward from the previous period14P€5k€16k▲
The notes to these accounts (7 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 €-48 ▼100%
Net result drops to €-48, the lowest in the series.
01-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 32 days late
2024
31-12
Financial
Highest result since 2020net €11k ▲52.1%
Net result €11k, the highest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
16-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 47 days late
2022
20-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 173 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
20-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 81 days late
2016
30-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2015
27-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Lambrechts-Woluwe · 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.
Andromedalaan 541200 Sint-Lambrechts-WoluweGround area
7,884 m²
Building footprint
1,073 m²
Volume, LiDAR
21,593 m³
2 parcels, Brussels · tallest building 38.5 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
SEDER
since 20132.216.440.397
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21018A0209/00G002 | Brussels | 7,696 m² | 1 · 902 m² | 38.5 m · 10 fl. |
| 21906D0011/00G005 | Brussels | 187 m² | 1 · 171 m² | 23.3 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
GEO MAR
BE 0794.856.996
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ANES
BE 0799.905.055
Gent · Eq €22k
MIRDITA OROSH
BE 0741.794.533
Evere · Eq €22k
WBC Bouw
BE 0831.806.969
Aalter · Eq €22k
BOD IMMO
BE 0769.971.548
Herstal · Eq €22k
Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 11,655 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-02-2013
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43110Demolition
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.