Skip to content

Séfab

Active
Private limited companyfounded 20232 yrs activeLeon Spilliaertstraat 2, 8400 Oostende, BelgiumKBO/BCE: BE 1002.687.515
Summary

The computed 12-month bankruptcy probability of Séfab is 3.5% (moderate). The 2025 annual accounts show negative equity (-€3,121) and a net result of -€2,709. Its solvency ranks better than 5% of 1317 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency0
Growth-
Track record67
Bankruptcy probability, 12 months
3.5% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2025
Age of the figures
Age of the figures
9 mo
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Accommodation (NACE 55)
about 6% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 1 filing
Deviation from the deadline
2025
25 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

Séfab was incorporated on 27 November 2023 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
-€3,121
Total assets
€866
Net result
-€2,709
Working capital
-€3,521

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €866
Fixed assets €400
Current assets €466
Key figures and ratios
2025 value
EBITDA
-€2,167
Cash flow
-€2,230
Interest coverage
-34.67
Debt
€3,987
Debt ≤ 1 year
€3,987
Ratios withheld: a balance sheet total of €866 is too small for a meaningful ratio.

Peer companies

Historical observation

Of the 7,663 companies that looked in July 2024 the way this one looks now, 8.2% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 2 to 5 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
8.2% went bankrupt
5.4% stopped otherwise
84% still going

A further 2.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.5% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 7,663 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 30 lines
Balance sheet Code2025
Assets
Total assets20/58€866
Fixed assets21/28€400
Tangible fixed assets22/27€400
Plant, machinery and equipment23€400
Current assets29/58€466
Amounts receivable within one year40/41€452
Other amounts receivable41€452
Cash at bank and in hand54/58€15
Equity and liabilities
Total equity and liabilities10/49€866
Equity10/15-€3,121
Contributions10/11€100
Profit (loss) carried forward14-€3,221
Amounts payable17/49€3,987
Amounts payable within one year42/48€3,987
Trade debts44€0
Suppliers440/4€0
Other amounts payable47/48€3,987
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€480
Other operating charges640/8€17
Gross operating margin9900-€2,150
Operating profit (loss)9901-€2,647
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€63
Recurring financial charges65€63
Profit (loss) for the period before taxes9903-€2,709
Profit (loss) for the period9904-€2,709
Profit (loss) for the period to be appropriated9905-€2,709
Appropriation of the result
Profit (loss) to be appropriated9906-€3,221
Profit (loss) brought forward from the previous period14P-€512

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€480
Other operating charges640/8€17
Gross operating margin9900-€2,150
Operating profit (loss)9901-€2,647
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€63
Recurring financial charges65€63
Profit (loss) for the period before taxes9903-€2,709
Profit (loss) for the period9904-€2,709
Profit (loss) for the period to be appropriated9905-€2,709
Line2025
Assets
Total assets20/58€866
Fixed assets21/28€400
Tangible fixed assets22/27€400
Plant, machinery and equipment23€400
Current assets29/58€466
Amounts receivable within one year40/41€452
Other amounts receivable41€452
Cash at bank and in hand54/58€15
Equity and liabilities
Total equity and liabilities10/49€866
Equity10/15-€3,121
Contributions10/11€100
Profit (loss) carried forward14-€3,221
Amounts payable17/49€3,987
Amounts payable within one year42/48€3,987
Trade debts44€0
Suppliers440/4€0
Other amounts payable47/48€3,987
Line2025
Profit (loss) for the period9904-€2,709
+ Depreciation and write-downs630€480
Operating cash flow (approximation)-€2,230

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2026
25-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Oostende · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
137 m²
Building footprint
137 m²
Volume, LiDAR
1,520 m³
Parcel 35013A1595/00L018, Flanders · tallest building 24.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Séfab
Leon Spilliaertstraat 2, 8400 OostendeNACE 45111
since 20232.353.233.163
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
35013A1595/00L018 Flanders 137 m² 1 · 137 m² 24.4 m · 5 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 3,007 companies in sector 55203 we hold annual accounts for 693. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded27-11-2023
Fiscal year end31-12
Activities, NACEBEL 2025
55203Holiday cottages, homes and apartments
46711Wholesale of cars and light vans (up to 3.5 tonnes)
46180Agents specialised in the wholesale of other particular products
82300Organisation of conventions and trade shows
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1002687515
Registered 29-07-2024

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.