Segers
ActiveSegers has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €-10k. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 62% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency97▼-2
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.2 against 2.49 in 2024), and 45.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
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
54.5%
Return on assets
-46.6%
Age of the figures
14 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 · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-12-2025, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
56 d early
2023
2 d early
2022
1 d early
2021
3 d early
2020
20 d early
2019
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€12k▼ 46.1%
2024 · €22k
2019: €5k
2020: €5k
2021: €15k
2022: €13k
2023: €15k
2024: €22k
2019 → 2025
Total assets
€22k▼ 38.8%
2024 · €35k
2019: €27k
2020: €38k
2021: €53k
2022: €29k
2023: €31k
2024: €35k
2019 → 2025
Net result
€-10k
2024 · €7k
2019: €4k
2020: €323
2021: €9k
2022: €-1k
2023: €2k
2024: €7k
2019 → 2025
Working capital
€12k▼ 39.4%
2024 · €20k
2019: €262
2020: €-3k
2021: €6k
2022: €9k
2023: €12k
2024: €20k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€13k▼ 10.0%€15k▲ 14.0%€22k▲ 46.6%€12k▼ 46.1%
Operating result€12k-€-1k€3k€11k▲ 261%€-10k
Net result€9k-€-1k€2k€7k▲ 279%€-10k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €11k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €22k
Equity
€12k▼ 46.1%
Debt
€10k▼ 27.0%
The debt ratio rises from 38.2% to 45.5%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-7k▼
2024 · €16k
Cash flow
€-7k▼
2024 · €12k
Solvency
54.5%▼
2024 · 61.8%
Current ratio
2.20▼
2024 · 2.49
Quick ratio
2.18▼
2024 · 2.48
Debt / equity
0.84▲
2024 · 0.62
ROE
-85.6%▼
2024 · 31.8%
ROA
-46.6%▼
2024 · 19.7%
Interest coverage
-15.53▼
2024 · 6.60
Debt
€10k▼
2024 · €14k
Debt ≤ 1 year
€10k▼
2024 · €13k
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€35k€22k▼
Fixed assets21/28€3k-
Tangible fixed assets22/27€3k-
Furniture and vehicles24€3k-
Current assets29/58€33k€22k▼
Stocks and contracts in progress3€125€125=
Stocks30/36€125€125=
Amounts receivable within one year40/41€32k€21k▼
Trade receivables40€2k-
Other amounts receivable41€30k€21k▼
Deferred charges and accrued income490/1€532€206▼
Equity and liabilities
Total equity and liabilities10/49€35k€22k▼
Equity10/15€22k€12k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€3k€-7k▼
Amounts payable17/49€14k€10k▼
Amounts payable after more than one year17€405-
Financial debts170/4€405-
Amounts payable within one year42/48€13k€10k▼
Current portion of amounts payable after more than one year42€4k-
Financial debts43€2k€3k▲
Credit institutions430/8€2k€3k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€676▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€1k€6k▲
Gross operating margin9900€17k€-969▼
Operating profit (loss)9901€11k€-10k▼
Financial charges65/66B€2k€441▼
Recurring financial charges65€2k€441▼
Profit (loss) for the period before taxes9903€9k€-10k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€7k€-10k▼
Profit (loss) for the period to be appropriated9905€7k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-7k▼
Profit (loss) brought forward from the previous period14P€-4k€3k▲
The notes to these accounts (4 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
2025
05-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-10k ▼245%
Net result drops to €-10k, the lowest in the series.
2024
06-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €9k ▲2835%
Operating result €12k, net result €9k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 1.53
Current ratio from 0.73 to 1.53.
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
19-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Ravels · 1 establishment unit since 2008
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.
Jozef Van Gorpstraat 652380 RavelsGround area
448 m²
Building footprint
128 m²
Volume, LiDAR
744 m³
Parcel 13035A0045/00C002, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bezettingswerken N&S
since 20082.173.029.137
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13035A0045/00C002 | Flanders | 448 m² | 1 · 128 m² | 8.7 m · 2 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.
Recognitions · licences · registrations
Dual-learning approval
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HAUBERG
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RENO DELTA
BE 0504.887.572
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Of 3,987 companies in sector 43310 we hold annual accounts for 1,737. 1,119 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-09-2008
Fiscal year end30-06
Activities, NACEBEL
43310Plastering work
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.