SEFA AVOCAT
ActiveSEFA AVOCAT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €79k and a net result of €45k. Equity is growing by ~93.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 15368 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
95
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+14
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 16.35 against 2.4 in 2023; short-term debt: 5.9% and cash: 92.4% of total assets), and 5.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 69
Relative position
BE, all sectors
reference
Sector 69
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-07-2025, 21 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
21 d early
2023
22 d early
2022
7 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€79k▲ 128%
2023 · €35k
2022: €14k
2023: €35k
2022 → 2024
Total assets
€84k▲ 46.9%
2023 · €57k
2022: €32k
2023: €57k
2022 → 2024
Net result
€45k▲ 110%
2023 · €22k
2022: €13k
2023: €22k
2022 → 2024
Working capital
€76k▲ 146%
2023 · €31k
2022: €13k
2023: €31k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€14k-€35k▲ 148%€79k▲ 128%
Operating result€17k-€28k▲ 67.6%€57k▲ 99.4%
Net result€13k-€22k▲ 62.5%€45k▲ 110%
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 two years in a row; 2024 is 99% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €84k
Fixed assets
€3k▼ 29.6%
Current assets
€81k▲ 53.0%
Equity and liabilities €84k
Equity
€79k▲ 128%
Debt
€5k▼ 77.9%
The debt ratio falls from 39.3% to 5.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▲
2023 · €30k
Cash flow
€46k▲
2023 · €23k
Solvency
94.1%▲
2023 · 60.7%
Current ratio
16.35▲
2023 · 2.40
Quick ratio
16.35▲
2023 · 2.40
Debt / equity
0.06▼
2023 · 0.65
ROE
57.2%▼
2023 · 62.1%
ROA
53.8%▲
2023 · 37.7%
Interest coverage
168.90▲
2023 · 56.29
Debt
€5k▼
2023 · €22k
Debt ≤ 1 year
€5k▼
2023 · €22k
Income taxes
€12k▲
2023 · €6k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€57k€84k▲
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€53k€81k▲
Amounts receivable within one year40/41€6k€3k▼
Trade receivables40-€267
Other amounts receivable41€6k€3k▼
Cash at bank and in hand54/58€45k€77k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€57k€84k▲
Equity10/15€35k€79k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€33k€77k▲
Amounts payable17/49€22k€5k▼
Amounts payable within one year42/48€22k€5k▼
Trade debts44€7k€1k▼
Suppliers440/4€7k€1k▼
Taxes, remuneration and social security45€14k€3k▼
Taxes450/3€14k€3k▼
Other amounts payable47/48€833€859▲
Accrued charges and deferred income492/3€369-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€449▼
Other operating charges640/8€999€734▼
Gross operating margin9900€31k€58k▲
Operating profit (loss)9901€28k€57k▲
Financial income75/76B€28€584▲
Recurring financial income75€28€584▲
Financial charges65/66B€529€338▼
Recurring financial charges65€529€338▼
Profit (loss) for the period before taxes9903€28k€57k▲
Income taxes67/77€6k€12k▲
Profit (loss) for the period9904€22k€45k▲
Profit (loss) for the period to be appropriated9905€22k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€78k▲
Profit (loss) brought forward from the previous period14P€12k€33k▲
Profit to be distributed694/7€833€859▲
Return on contributions (dividend)694€833€859▲
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
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €45k ▲110%
Operating result €57k, net result €45k, both a record.
31-12
Financial
Liquidity times 7current ratio 16.35
Current ratio from 2.40 to 16.35; short-term debt falls from €22k to €5k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
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, Liège · 1 establishment unit since 2022
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.
Rue des Guillemins 724000 LiègeGround area
274 m²
Building footprint
203 m²
Volume, LiDAR
5,310 m³
Parcel 62805B0313/00F007, Wallonia · tallest building 29.2 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
SEFA AVOCAT
since 20222.333.883.445
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62805B0313/00F007 | Wallonia | 274 m² | 1 · 203 m² | 29.2 m · 9 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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VA-ST advocaten
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JAN KONINCKX ADVOCATENKANTOOR
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Of 22,052 companies in sector 69101 we hold annual accounts for 9,053. 7,523 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-07-2022
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.