SEGERS GROEP
ActiveSEGERS GROEP has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €224k and a net result of €11k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 29% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+11
Solvency53▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.43 against 0.69 in 2024; short-term debt: 14.8% and cash: 4.7% of total assets), and 71.7% 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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
28.3%
Return on assets
1.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 10 filingsDeviation from the deadline
2025
30 d late
2024
5 d early
2023
on the day
2022
32 d late
2021
31 d late
2020
102 d late
2019
92 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€224k▲ 5.2%
2024 · €213k
2018: €138k
2019: €144k
2020: €150k
2021: €173k
2022: €187k
2023: €209k
2024: €213k
2018 → 2025
Total assets
€793k▼ 15.0%
2024 · €932k
2018: €595k
2019: €580k
2020: €574k
2021: €478k
2022: €494k
2023: €627k
2024: €932k
2018 → 2025
Net result
€11k▲ 171%
2024 · €4k
2018: €3k
2019: €5k
2020: €6k
2021: €23k
2022: €14k
2023: €22k
2024: €4k
2018 → 2025
Working capital
€-67k▲ 7.4%
2024 · €-73k
2018: €-75k
2019: €-82k
2020: €-48k
2021: €97k
2022: €100k
2023: €34k
2024: €-73k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€173k-€187k▲ 8.3%€209k▲ 11.8%€213k▲ 1.9%€224k▲ 5.2%
Operating result€41k-€27k▼ 33.2%€45k▲ 64.6%€29k▼ 35.0%€37k▲ 27.1%
Net result€23k-€14k▼ 37.2%€22k▲ 53.7%€4k▼ 81.5%€11k▲ 171%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 27% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €793k
Fixed assets
€742k▼ 3.8%
Current assets
€50k▼ 68.7%
Equity and liabilities €793k
Equity
€224k▲ 5.2%
Debt
€569k▼ 20.9%
The debt ratio falls from 77.2% to 71.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€66k▲
2024 · €52k
Cash flow
€40k▲
2024 · €27k
Solvency
28.3%▲
2024 · 22.8%
Current ratio
0.43▼
2024 · 0.69
Quick ratio
0.43▼
2024 · 0.68
Debt / equity
2.54▼
2024 · 3.38
ROE
4.9%▲
2024 · 1.9%
ROA
1.4%▲
2024 · 0.4%
Interest coverage
3.58▲
2024 · 2.33
Debt
€569k▼
2024 · €719k
Debt ≤ 1 year
€118k▼
2024 · €233k
Debt > 1 year
€447k▼
2024 · €486k
Income taxes
€8k▲
2024 · €5k
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€932k€793k▼
Fixed assets21/28€772k€742k▼
Tangible fixed assets22/27€772k€742k▼
Land and buildings22€768k€740k▼
Plant, machinery and equipment23€1k€727▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€161k€50k▼
Stocks and contracts in progress3€2k-
Stocks30/36€2k-
Amounts receivable within one year40/41€98k€13k▼
Trade receivables40€92k€13k▼
Other amounts receivable41€6k-
Cash at bank and in hand54/58€56k€37k▼
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€932k€793k▼
Equity10/15€213k€224k▲
Contributions10/11€19k€19k=
Reserves13€194k€205k▲
Distributable reserves133€194k€205k▲
Amounts payable17/49€719k€569k▼
Amounts payable after more than one year17€486k€447k▼
Financial debts170/4€486k€447k▼
Amounts payable within one year42/48€233k€118k▼
Current portion of amounts payable after more than one year42€38k€39k▲
Trade debts44€45k€15k▼
Suppliers440/4€45k€15k▼
Taxes, remuneration and social security45€14k€9k▼
Taxes450/3€14k€9k▼
Other amounts payable47/48€137k€55k▼
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Non-recurring operating income76A-€8k
Remuneration, social security and pensions62€438-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€29k▲
Other operating charges640/8€825€5k▲
Gross operating margin9900€54k€71k▲
Operating profit (loss)9901€29k€37k▲
Financial income75/76B€2k€11▼
Recurring financial income75€2k€11▼
Financial charges65/66B€22k€19k▼
Recurring financial charges65€22k€19k▼
Profit (loss) for the period before taxes9903€9k€19k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€4k€11k▲
Profit (loss) for the period to be appropriated9905€4k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€11k▲
Transfer to equity691/2€4k€11k▲
To other reserves6921€4k€11k▲
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
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €209k ▲11.8%
6 profitable years in a row build equity to €209k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €23k ▲268%
Net result €23k, the highest in the series.
31-12
Financial
Liquidity times 11current ratio 5.90
Current ratio from 0.55 to 5.90; short-term debt falls from €108k to €20k.
31-12
Financial
Equity above €150kEq €173k ▲15.2%
4 profitable years in a row build equity to €173k.
10-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 102 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Oud-Turnhout · 1 establishment unit since 2009
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.
Schoutenhoefstraat 202360 Oud-TurnhoutGround area
2,319 m²
Building footprint
199 m²
Volume, LiDAR
693 m³
Parcel 13483I0023/00E000, Flanders · tallest building 8.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Segers Projecten / CVSPakket
since 20092.179.266.039
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13483I0023/00E000 | Flanders | 2,319 m² | 1 · 199 m² | 8.2 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 1,125 EUR awarded · 1,229 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 225 EUR | 225 EUR |
| 2023 | 1 | 900 EUR | 1,004 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,036 companies in sector 43221 we hold annual accounts for 3,468. 2,831 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2009
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.