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SEFRAWIL

Active
Private limited companyfounded 20215 yrs activeMarche, Avenue de la Toison d'Or 137, 6900 Marche-en-Famenne, BelgiumKBO/BCE: BE 0770.989.157
Summary

The computed 12-month bankruptcy probability of SEFRAWIL is 4.0% (moderate). The 2024 annual accounts show negative equity (-€20,718) and a net result of -€22,492. Equity is shrinking by ~144.1% per year across the filed fiscal years. Its solvency ranks better than 13% of 2025 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes · tick = 2023
Profitability0▼-3
Solvency0▼-27
Growth32=
Track record94
Bankruptcy probability, 12 months
4.0% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.71 against 1.02 in 2023; short-term debt: 136.6% and cash: 24.3% of total assets), and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 5 years 0 10 y
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 2024
Solvency, return and age of the figures
Solvency
-36.6%
Return on assets
-39.7%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Rental and leasing activities (NACE 77)
about 44% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
222324
2022 to 2024 · latest year -€20,718
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-10-2025, 88 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 · 3 filings
Deviation from the deadline
2025
not confirmed
2024
88 d late
2023
421 d late
2022
17 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 175 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% of the sector filed late.

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

SEFRAWIL was incorporated on 10 July 2021 as a Private limited company.1 Total assets rose from EUR 17,002 in 2022 to EUR 56,676 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2024

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Financials · fiscal year 2024, micro schema

Equity
-€20,718
2023 · €1,773
Total assets
€56,676▼ 24.7%
2023 · €75,314
Net result
-€22,492▼ 143%
2023 · -€9,241
Working capital
-€22,435
2023 · €1,265
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 77, Rental and leasing activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202220232024
Operating result€356--€6,482-€19,704▼ 204%
Net result-€1,986within the sector's middle half--€9,241below the sector's middle half▼ 365%-€22,492below the sector's middle half▼ 143%
Equity€11,014within the sector's middle half-€1,773below the sector's middle half▼ 83.9%-€20,718below the sector's middle half
Total assets€17,002below the sector's middle half-€75,314within the sector's middle half▲ 343%€56,676below the sector's middle half▼ 24.7%
Debt€5,988-€73,541▲ 1,128%€77,395▲ 5.2%
Working capital€10,305within the sector's middle half-€1,265within the sector's middle half▼ 87.7%-€22,435within the sector's middle half
Solvency64.8%above the sector's middle half-2.4%below the sector's middle half▼ 62.4pp-36.6%below the sector's middle half▼ 38.9pp
Current ratio2.72above the sector's middle half-1.02within the sector's middle half▼ 1.700.71within the sector's middle half▼ 0.31
Return on assets (ROA)-11.7%below the sector's middle half--12.3%below the sector's middle half▼ 0.6pp-39.7%below the sector's middle half▼ 27.4pp
above within below the middle half (P25 to P75) of NACE 77, Rental and leasing activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€30,000-€20,000-€10,000€0Operating result 2022: €356€356Net result 2022: -€1,986-€1,986Operating result 2023: -€6,482-€6,482Net result 2023: -€9,241-€9,241Operating result 2024: -€19,704-€19,704Net result 2024: -€22,492-€22,492202220232024-€30,000-€20,000-€10,000€0Operating result 2022: €356€356Net result 2022: -€1,986-€1,990Operating result 2023: -€6,482-€6,480Net result 2023: -€9,241-€9,240Operating result 2024: -€19,704-€19,700Net result 2024: -€22,492-€22,500202220232024
The operating result stays negative: a loss of €19,704 in 2024 against €6,482 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
Assets €56,370
Fixed assets €1,411
Current assets €54,960
Key figures and ratios
2024 value · change against 2023
EBITDA
-€19,279▼
2023 · -€6,280
Cash flow
-€22,067▼
2023 · -€9,040
Debt to equity
-3.74▼
2023 · 41.48
Interest coverage
-6.91▼
2023 · -2.25
Debt ≤ 1 year
€77,395▲
2023 · €73,541
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,038 companies that looked in July 2024 the way this one looks now, 7.3% went bankrupt within 24 months and 82% are still going.

  • Micro
  • 5 to 10 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
7.3% went bankrupt
8.2% stopped otherwise
82% still going

A further 2.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 4.0% 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 497,662 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% 1.7%
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 75% 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 6,038 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 · 2024 against 2023 · 36 lines
Balance sheet Code20232024
Assets
Total assets20/58€75,314€56,676▼
Formation expenses20€508€306▼
Fixed assets21/28-€1,411
Tangible fixed assets22/27-€1,411
Furniture and vehicles24-€1,411
Current assets29/58€74,807€54,960▼
Amounts receivable within one year40/41€38,475€41,160▲
Trade receivables40€38,420€38,336▼
Other amounts receivable41€55€2,824▲
Cash at bank and in hand54/58€36,331€13,800▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€75,314€56,676▼
Equity10/15€1,773-€20,718▼
Contributions10/11€13,000€13,000=
Profit (loss) carried forward14-€11,227-€33,718▼
Amounts payable17/49€73,541€77,395▲
Amounts payable within one year42/48€73,541€77,395▲
Trade debts44€24,796€26,946▲
Suppliers440/4€24,796€26,946▲
Advances received on contracts in progress46€42,393€42,393=
Taxes, remuneration and social security45€11€11=
Taxes450/3€11€11=
Other amounts payable47/48€6,341€8,044▲
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€201€425▲
Other operating charges640/8€437€1,384▲
Gross operating margin9900-€5,843-€17,895▼
Operating profit (loss)9901-€6,482-€19,704▼
Financial income75/76B€30€1▼
Recurring financial income75€30€1▼
Financial charges65/66B€2,789€2,789=
Recurring financial charges65€2,789€2,789=
Profit (loss) for the period before taxes9903-€9,241-€22,492▼
Profit (loss) for the period9904-€9,241-€22,492▼
Profit (loss) for the period to be appropriated9905-€9,241-€22,492▼
Appropriation of the result
Profit (loss) to be appropriated9906-€11,227-€33,718▼
Profit (loss) brought forward from the previous period14P-€1,986-€11,227▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€298€201€425▲ 111%
Other operating charges640/8€1,058€437€1,384▲ 216%
Gross operating margin9900€1,712-€5,843-€17,895▼ 206%
Operating profit (loss)9901€356-€6,482-€19,704▼ 204%
Financial income75/76B€4€30€1▼ 97.0%
Recurring financial income75€4€30€1▼ 97.0%
Financial charges65/66B€2,346€2,789€2,789=
Recurring financial charges65€2,346€2,789€2,789=
Profit (loss) for the period before taxes9903-€1,986-€9,241-€22,492▼ 143%
Profit (loss) for the period9904-€1,986-€9,241-€22,492▼ 143%
Profit (loss) for the period to be appropriated9905-€1,986-€9,241-€22,492▼ 143%
Line202220232024Change
Assets
Total assets20/58€17,002€75,314€56,676▼ 24.7%
Formation expenses20€709€508€306▼ 39.7%
Fixed assets21/28--€1,411-
Tangible fixed assets22/27--€1,411-
Furniture and vehicles24--€1,411-
Current assets29/58€16,293€74,807€54,960▼ 26.5%
Amounts receivable within one year40/41€5,904€38,475€41,160▲ 7.0%
Trade receivables40€5,882€38,420€38,336▼ 0.2%
Other amounts receivable41€22€55€2,824▲ 5,028%
Cash at bank and in hand54/58€1,154€36,331€13,800▼ 62.0%
Deferred charges and accrued income490/1€9,234€0--
Equity and liabilities
Total equity and liabilities10/49€17,002€75,314€56,676▼ 24.7%
Equity10/15€11,014€1,773-€20,718▼ 1,269%
Contributions10/11€13,000€13,000€13,000=
Profit (loss) carried forward14-€1,986-€11,227-€33,718▼ 200%
Amounts payable17/49€5,988€73,541€77,395▲ 5.2%
Amounts payable within one year42/48€5,988€73,541€77,395▲ 5.2%
Trade debts44€1,479€24,796€26,946▲ 8.7%
Suppliers440/4€1,479€24,796€26,946▲ 8.7%
Advances received on contracts in progress46-€42,393€42,393=
Taxes, remuneration and social security45€458€11€11=
Taxes450/3€458€11€11=
Other amounts payable47/48€4,050€6,341€8,044▲ 26.9%
Line202220232024Change
Profit (loss) for the period9904-€1,986-€9,241-€22,492▼ 143%
+ Depreciation and write-downs630€298€201€425▲ 111%
Operating cash flow (approximation)-€1,688-€9,040-€22,067▼ 144%
Change in cash-€35,177-€22,532▼ 164%

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

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Timeline · acts, filings and financial milestones

2025
27-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 88 days late
25-09
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 421 days late
2024
31-12
Financial Weakest financial yearnet -€22,492
Net result drops to -€22,492, the lowest in the series.
2023
17-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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.

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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, Marche-en-Famenne · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
3,153 m²
Building footprint
192 m²
Parcel 83034A0684/00P009, Wallonia. Linked by address, not a title deed.
1 establishment unit
The Happy Snail
Marche, Avenue de la Toison d'Or 137, 6900 Marche-en-FamenneNACE 4519402
since 20212.319.392.041
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
83034A0684/00P009 Wallonia 3,153 m² 1 · 192 m² -
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, comparable size

Of 1,446 companies in sector 77110 we hold annual accounts for 729. 139 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded10-07-2021
Fiscal year end31-12
Trade name FR The Happy Snail
Activities, NACEBEL 2025
77110Renting and leasing of cars and light motor vehicles
46713Wholesale trade
Contact
E-mail fran.willame@gmail.com
Phone +32479955066
Phone 0479/955066Marche-en-Famenne
E-invoicing
Reachable via Peppol
Peppol ID 0208:0770989157
Registered 06-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

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