Active BE 0779.669.865Private limited company

SEEMBLE

Place de l'Université 16 ·1348 Ottignies-Louvain-la-Neuve, Belgium· 4 yrs active

Sector: Overige niet-gespecialiseerde detailhandel (47120)

Conclusion Checked

The computed 12-month bankruptcy probability of SEEMBLE is 3.4% (moderate). The 2024 annual accounts show equity of €2k and a net result of €-2k. Equity is shrinking by ~1042.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 55% of 6698 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€2k
Net result	€-2k
Better than sector	55%
Active	4 yrs

Snowflake analysis 5 of 5 axes measured · computed by Checked

48 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 40

Profitability 0

Solvency 49

Growth 58

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

3.4% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

40 / 100 Weak

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview3 NBB filings

Annual accounts filed on 28-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining At this pace, equity would indicatively turn negative around fiscal year 2025, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	25.1%	20.4%	better than 55% of 6698 sector peers
Net result	€-2k	€4k	better than 30% of 6678 sector peers
Equity	€2k	€16k	better than 31% of 6712 sector peers
Gross operating margin	€-2k	€24k	better than 17% of 6657 sector peers
Total assets	€8k	€94k	better than 7% of 6702 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€-2k

+97.4% 22-24

Net profit

€-2k

+97.5% 22-24

Cash flow

€-2k

+97.2% 22-24

Total assets

€8k

-58.9% 22-24

Equity

€2k

-50.5% 22-24

Working capital

€3k

-37.3% 22-24

Debt

€6k

-61.1% 22-24

Debt ≤ 1y

€5k

-65.3% 22-24

Current ratio

1.54

+18.5% 22-24

Quick ratio

0.36

-59.1% 22-24

Solvency

25.1%

+20.4% 22-24

Debt / equity

2.99

-21.4% 22-24

ROE

-102.0%

+95.0% 22-24

ROA

-25.6%

+94.0% 22-24

Interest coverage

-15.33

+97.2% 22-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€-2k
Net profit	€-2k
Cash flow	€-2k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€8k
Equity	€2k
Debt	€6k
of which ≤ 1y	€5k
of which > 1y	-
Working capital	€3k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.54
Quick ratio	0.36
Working capital ratio	34.9%
Solvency	25.1%
Debt / equity	2.99
Long-term debt ratio	-
Interest coverage	-15.33
Gross margin	-
Net margin	-
ROA	-25.6%
ROE	-102.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Equity & liabilities

Equity €2k · 25.1% Debt €6k · 74.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€8k
Current assets	29/58	€8k
Stocks & contracts in progress	3	€6k
Amounts receivable within one year	40/41	€313
Cash & bank	54/58	€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€8k
Equity	10/15	€2k
Contributions / capital	10/11	€198k
Accumulated profits (losses)	14	€-196k
Amounts payable	17/49	€6k
Amounts payable within one year	42/48	€5k
Trade debts payable within one year	44	€344
Income statement
Gross operating margin	9900	€-2k
Operating result	9901	€-2k
Financial income	75	€0
Financial charges	65	€123
Result before taxes	9903	€-2k
Net result for the period	9904	€-2k
Result to be appropriated	9905	€-2k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 2 directors

Former directors (2)

Sarah Van Peteghem
Director
State Gazette act 25052353 (22-04-2025)

Former
- → 22-04-2025
Stelia InvestLegal entity
Director· perm. rep.: Hans Van Gestel
State Gazette act 25052353 (22-04-2025)

Former
- → 22-04-2025

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Overige niet-gespecialiseerde detailhandel(47120)
Legal form	Private limited company(610)
Incorporation	04-01-2022
Status	Active
Postal code	1348

Establishment units 1 location

Place de l'Université 16, 1348 Ottignies-Louvain-la-Neuve

Niet-gespecialiseerde groothandel

since 20222.326.889.151

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25386B0122/00R004	Wallonia	7,285 m²	1 · 26 m²	6.0 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

28-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

22-04-2025

State Gazette act Director changes

2024

30-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

31-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 1 year ago

2025

22-04-2025 2 resigning Director changes

Sarah Van Peteghem, Bestuurder
Hans Van Gestel, Bestuurder

Original publication ↗

Technical details

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  "events": [
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      "kind": "director_out",
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      "evidence_quote": "L\u0027assembl\u00E9e generale prend acte de la demission du mandat de l\u0027administrateur presente par Sarah Van Peteghem",
      "decharge_status": null,
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    },
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      },
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      },
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      "evidence_quote": "L\u0027assembl\u00E9e generale prend acte de la demission du mandat de l\u0027administrateur Stelia Invest, represente par Hans Van Gestel.",
      "decharge_status": null,
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    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
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    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2025-04-22",
    "filing_date": "2024-06-27",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-06-27",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0779.669.865",
    "name_full": "Seemble",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
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    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}

Credit advice verdict per customer and amount

AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon

The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Company registry (CBE) Crossroads Bank

Activities

Overige niet-gespecialiseerde detailhandel47120Detailhandel via postorderbedrijven of via internet47910Niet-gespecialiseerde groothandel46900Niet-gespecialiseerde groothandel46900

Primary activity highlighted.

Names & trade names

Legal nameFR

SEEMBLE

Registered office

Place de l'Université 16

1348 Ottignies-Louvain-la-Neuve, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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