SEGERS JEF
ActiveSEGERS JEF has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €305k and a net result of €67k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 1298 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 21.28 against 10.69 in 2024; short-term debt: 4.6% and cash: 64.3% of total assets), and 4.6% 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 33
Relative position
BE, all sectors
reference
Sector 33
higher
← fewer bankruptcies
more bankruptcies →
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
95.4%
Return on assets
20.8%
Age of the figures
12 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 30-09-2025 was due by 30-04-2026 and was filed on 12-03-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
55 d early
2023
54 d early
2022
59 d early
2021
36 d early
2020
56 d early
2019
43 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€305k▲ 28.0%
2024 · €238k
2018: €182k
2019: €209k
2020: €225k
2021: €252k
2022: €276k
2023: €191k
2024: €238k
2018 → 2025
Total assets
€320k▲ 21.8%
2024 · €263k
2018: €207k
2019: €237k
2020: €253k
2021: €267k
2022: €303k
2023: €245k
2024: €263k
2018 → 2025
Net result
€67k▲ 40.1%
2024 · €48k
2018: €20k
2019: €27k
2020: €16k
2021: €28k
2022: €24k
2023: €35k
2024: €48k
2018 → 2025
Working capital
€301k▲ 28.8%
2024 · €233k
2018: €166k
2019: €166k
2020: €187k
2021: €228k
2022: €262k
2023: €185k
2024: €233k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€252k-€276k▲ 9.5%€191k▼ 31.0%€238k▲ 24.9%€305k▲ 28.0%
Operating result€39k-€33k▼ 13.6%€48k▲ 42.9%€63k▲ 31.6%€90k▲ 43.2%
Net result€28k-€24k▼ 12.4%€35k▲ 47.3%€48k▲ 34.1%€67k▲ 40.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 43% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €320k
Fixed assets
€4k▼ 16.8%
Current assets
€316k▲ 22.5%
Equity and liabilities €320k
Equity
€305k▲ 28.0%
Debt
€15k▼ 39.1%
The debt ratio falls from 9.3% to 4.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€91k▲
2024 · €64k
Cash flow
€68k▲
2024 · €48k
Solvency
95.4%▲
2024 · 90.7%
Current ratio
21.28▲
2024 · 10.69
Quick ratio
21.12▲
2024 · 9.88
Debt / equity
0.05▼
2024 · 0.10
ROE
21.9%▲
2024 · 20.0%
ROA
20.8%▲
2024 · 18.1%
Interest coverage
30.77▲
2024 · 16.75
Debt
€15k▼
2024 · €24k
Debt ≤ 1 year
€15k▼
2024 · €24k
Income taxes
€25k▲
2024 · €17k
Staff costs
€0▼
2024 · €4k
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€263k€320k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Furniture and vehicles24€3k€3k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€258k€316k▲
Stocks and contracts in progress3€20k€2k▼
Stocks30/36€3k€2k▼
Contracts in progress37€17k€0▼
Amounts receivable within one year40/41€14k€6k▼
Trade receivables40€8k€5k▼
Other amounts receivable41€6k€1k▼
Current investments50/53€101k€101k=
Cash at bank and in hand54/58€123k€206k▲
Equity and liabilities
Total equity and liabilities10/49€263k€320k▲
Equity10/15€238k€305k▲
Contributions10/11€19k€19k=
Reserves13€220k€287k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€218k€285k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€24k€15k▼
Amounts payable within one year42/48€24k€15k▼
Trade debts44€9k€3k▼
Suppliers440/4€9k€3k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€11k€7k▼
Taxes450/3€0€7k▲
Remuneration and social security454/9€11k€0▼
Other amounts payable47/48€4k€5k▲
Accrued charges and deferred income492/3€250€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€4k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€887€887=
Other operating charges640/8€1k€1k▼
Gross operating margin9900€69k€92k▲
Operating profit (loss)9901€63k€90k▲
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€65k€92k▲
Income taxes67/77€17k€25k▲
Profit (loss) for the period9904€48k€67k▲
Profit (loss) for the period to be appropriated9905€48k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€67k▲
Transfer from equity791/2€0-
Transfer to equity691/2€48k€67k▲
To other reserves6921€48k€67k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
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
2026
12-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €67k ▲40.1%
Operating result €90k, net result €67k, both a record.
06-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity doublescurrent ratio 10.69
Current ratio from 4.41 to 10.69; short-term debt falls from €54k to €24k.
30-09
Financial
Equity above €200kEq €238k ▲24.9%
7 profitable years in a row build equity to €238k.
07-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity doublescurrent ratio 16.37
Current ratio from 7.74 to 16.37; short-term debt falls from €28k to €15k.
05-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €16k ▼40.9%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
18-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €200kEq €209k ▲15%
2 profitable years in a row build equity to €209k.
07-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-03
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Merksplas · 1 establishment unit since 2012
Ground area
1,953 m²
Building footprint
181 m²
Volume, LiDAR
4 m³
Parcel 13023H0081/00T005, Flanders · tallest building 2.6 m. Linked by address, not a title deed.
1 establishment unit
SEGERS JEF
since 20122.209.392.061
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13023H0081/00T005 | Flanders | 1,952 m² | 1 · 181 m² | 2.6 m |
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
2022 to 2025 · 3 entries · 1,065 EUR awarded · 954 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 111 EUR | 0 EUR |
| 2023 | 1 | 900 EUR | 900 EUR |
| 2022 | 1 | 54 EUR | 54 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 886 companies in sector 33110 we hold annual accounts for 440. 317 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2012
Fiscal year end30-09
Activities, NACEBEL
33110Repair and maintenance of fabricated metal products
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43291Specialised construction activities
46842Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.