SEGERS INTERIEUR
ActiveSEGERS INTERIEUR has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.98M and a net result of €880k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 80% of 235 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-26
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €550k at 30 days acceptable
Liquidity ample (current ratio 3.45 against 3.26 in 2024), and 26.3% 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
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
73.7%
Return on assets
10.8%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 31
Relative position
BE, all sectors
reference
Sector 31
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
61 d late
2022
66 d late
2021
30 d late
2020
27 d early
2019
30 d early
← 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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€5.98M▲ 14.9%
2024 · €5.21M
2020: €3.10M
2021: €3.35M
2022: €3.61M
2023: €3.95M
2024: €5.21M
2020 → 2025
Total assets
€8.12M▲ 13.0%
2024 · €7.18M
2020: €3.75M
2021: €4.36M
2022: €5.11M
2023: €5.38M
2024: €7.18M
2020 → 2025
Net result
€880k▼ 30.2%
2024 · €1.26M
2020: €312k
2021: €247k
2022: €257k
2023: €530k
2024: €1.26M
2020 → 2025
Working capital
€5.20M▲ 17.6%
2024 · €4.42M
2020: €2.43M
2021: €2.82M
2022: €2.95M
2023: €3.43M
2024: €4.42M
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.35M-€3.61M▲ 7.6%€3.95M▲ 9.4%€5.21M▲ 31.9%€5.98M▲ 14.9%
Operating result€505k-€451k▼ 10.7%€884k▲ 95.8%€1.94M▲ 120%€1.24M▼ 36.3%
Net result€247k-€257k▲ 3.7%€530k▲ 107%€1.26M▲ 138%€880k▼ 30.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.12M
Fixed assets
€790k▼ 1.3%
Current assets
€7.33M▲ 14.8%
Equity and liabilities €8.12M
Equity
€5.98M▲ 14.9%
Provisions
€42▼ 53.7%
Debt
€2.13M▲ 8.0%
The debt ratio falls from 27.5% to 26.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€1.37M▼
2024 · €2.09M
Cash flow
€1.01M▼
2024 · €1.41M
Solvency
73.7%▲
2024 · 72.5%
Current ratio
3.45▲
2024 · 3.26
Quick ratio
2.92▲
2024 · 2.90
Debt / equity
0.36▼
2024 · 0.38
ROE
14.7%▼
2024 · 24.2%
ROA
10.8%▼
2024 · 17.6%
Interest coverage
26.28▲
2024 · 14.80
Debt
€2.13M▲
2024 · €1.97M
Debt ≤ 1 year
€2.12M▲
2024 · €1.96M
Debt > 1 year
€3k=
2024 · €3k
Income taxes
€442k▼
2024 · €671k
Staff costs
€2.15M▲
2024 · €1.99M
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
Total assets
20/58€7.18M€8.12M▲
Fixed assets
21/28€801k€790k▼
Tangible fixed assets
22/27€799k€788k▼
Financial fixed assets
28€2k€2k=
Current assets
29/58€6.38M€7.33M▲
Stocks & contracts in progress
3€692k€1.14M▲
Amounts receivable within one year
40/41€2.13M€2.13M▲
Investments
50/53€1.49M€1.52M▲
Cash & bank
54/58€2.05M€2.25M▲
Total equity & liabilities
10/49€7.18M€8.12M▲
Equity
10/15€5.21M€5.98M▲
Contributions / capital
10/11€25k€25k=
Reserves
13€5.18M€5.96M▲
Accumulated profits (losses)
14€0€0=
Provisions & deferred taxes
16€90€42▼
Amounts payable
17/49€1.97M€2.13M▲
Amounts payable after one year
17€3k€3k=
Amounts payable within one year
42/48€1.96M€2.12M▲
Trade debts payable within one year
44€1.20M€591k▼
Income statement
Code20242025
Gross operating margin
9900€4.09M€3.53M▼
Operating result
9901€1.94M€1.24M▼
Financial income
75€129k€135k▲
Financial charges
65€141k€52k▼
Result before taxes
9903€1.93M€1.32M▼
Income taxes
67/77€671k€442k▼
Net result for the period
9904€1.26M€880k▼
Result to be appropriated
9905€1.37M€880k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Highest result since 2020net €1.26M ▲138%
Operating result €1.94M, net result €1.26M, both a record.
31-12
Financial
Equity above €5MEq €5.21M ▲31.9%
5 profitable years in a row build equity to €5.21M.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
08-01
State Gazette act
Minor change
Statutes change · Maria Willemsen
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 66 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €247k ▼20.7%
Net result drops to €247k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
DIAPAL
BE 0406.347.846
Jabbeke · Eq €6.18M
THE KITCHEN COMPANY
BE 0462.832.035
Sint-Genesius-Rode · Eq €5.36M
FORUM
BE 0415.091.605
Roeselare · Eq €5.22M
HOREMANS KEUKENS MEUBELEN
BE 0433.772.023
Geel · Eq €7.62M
KEUKENS VAN LOMMEL
BE 0449.914.506
Geel · Eq €7.71M
Of 618 companies in sector 31002 we hold annual accounts for 344. 87 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-1992
Fiscal year end31-12
Activities, NACEBEL
31002Manufacture of furniture
31004Manufacture of dining room, living room, bedroom and bathroom furniture
36130
36141
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 04-09-2026. Scores and ratios are computed by Checked and are not a credit decision.