SEGIFI
ActiveSEGIFI has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 48% of 17987 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
76
/ 100
Excellent▲ +59 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency56▲+26
Growth78=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.15 in 2024), and 68.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Sector 47
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
31.6%
Return on assets
10.1%
Age of the figures
8 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
29 d late
2023
42 d late
2022
30 d late
2021
31 d late
2020
30 d late
2019
88 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▲ 46.7%
2024 · €24k
2018: €-23k
2019: €-20k
2020: €7k
2021: €16k
2022: €43k
2023: €51k
2024: €24k
2018 → 2025
Total assets
€113k▼ 4.0%
2024 · €118k
2018: €74k
2019: €64k
2020: €83k
2021: €93k
2022: €114k
2023: €156k
2024: €118k
2018 → 2025
Net result
€11k
2024 · €-27k
2018: €-32k
2019: €3k
2020: €27k
2021: €10k
2022: €27k
2023: €8k
2024: €-27k
2018 → 2025
Working capital
€21k▲ 45.9%
2024 · €14k
2018: €-34k
2019: €-29k
2020: €295
2021: €9k
2022: €34k
2023: €45k
2024: €14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€43k▲ 165%€51k▲ 18.9%€24k▼ 52.4%€36k▲ 46.7%
Operating result€11k-€38k▲ 258%€29k▼ 23.6%€-15k€16k
Net result€10k-€27k▲ 183%€8k▼ 69.5%€-27k€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €15k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €113k
Fixed assets
€15k▲ 44.3%
Current assets
€98k▼ 8.7%
Equity and liabilities €113k
Equity
€36k▲ 46.7%
Debt
€78k▼ 17.2%
The debt ratio falls from 79.3% to 68.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€19k▲
2024 · €-12k
Cash flow
€15k▲
2024 · €-23k
Solvency
31.6%▲
2024 · 20.7%
Current ratio
1.27▲
2024 · 1.15
Quick ratio
0.38▲
2024 · 0.20
Debt / equity
2.16▼
2024 · 3.83
ROE
31.8%▲
2024 · -110.1%
ROA
10.1%▲
2024 · -22.8%
Interest coverage
4.14▲
2024 · -0.97
Debt
€78k▼
2024 · €94k
Debt ≤ 1 year
€78k▼
2024 · €93k
Staff costs
€193k▲
2024 · €183k
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€118k€113k▼
Fixed assets21/28€10k€15k▲
Tangible fixed assets22/27€10k€14k▲
Plant, machinery and equipment23€9k€14k▲
Furniture and vehicles24€399-
Financial fixed assets28€638€638=
Current assets29/58€108k€98k▼
Stocks and contracts in progress3€89k€69k▼
Stocks30/36€89k€69k▼
Amounts receivable within one year40/41€8k€10k▲
Trade receivables40€6k€7k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€12k€20k▲
Equity and liabilities
Total equity and liabilities10/49€118k€113k▼
Equity10/15€24k€36k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€4k€15k▲
Amounts payable17/49€94k€78k▼
Amounts payable within one year42/48€93k€78k▼
Trade debts44€51k€44k▼
Suppliers440/4€51k€44k▼
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€41k€32k▼
Taxes450/3€14k€3k▼
Remuneration and social security454/9€26k€29k▲
Accrued charges and deferred income492/3€250-
Income statement
Code20242025
Remuneration, social security and pensions62€183k€193k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€469€162▼
Non-recurring operating charges66A€2k-
Gross operating margin9900€173k€213k▲
Operating profit (loss)9901€-15k€16k▲
Financial income75/76B€509€100▼
Recurring financial income75€509€100▼
Financial charges65/66B€12k€5k▼
Recurring financial charges65€12k€5k▼
Profit (loss) for the period before taxes9903€-27k€11k▲
Income taxes67/77€26-
Profit (loss) for the period9904€-27k€11k▲
Profit (loss) for the period to be appropriated9905€-27k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€15k▲
Profit (loss) brought forward from the previous period14P€31k€4k▼
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €27k ▲183%
Operating result €38k, net result €27k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Beloeil · 2 establishment units since 2013
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.
Rue Albert 1er (Sta) 157973 BeloeilGround area
1.5 ha
Building footprint
1,266 m²
Volume, LiDAR
6,732 m³
2 parcels, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Martens Shop
since 20132.222.011.365
AUX CAMPENAIRES
since 20202.309.624.735
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53075E0398/00K006 | Wallonia | 1.4 ha | 1 · 1,122 m² | 7.7 m · 2 fl. |
| 51054B0402/00H000 | Wallonia | 687 m² | 1 · 144 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSaint-Ghislain2.222.011.365
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Of 1,262 companies in sector 47300 we hold annual accounts for 946. 651 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-2013
Fiscal year end31-12
Activities, NACEBEL
47300Retail sale of automotive fuel
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.