SEICHO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €126k and a net result of €46k. Equity is growing by ~55% per year across the filed fiscal years. Its solvency ranks better than 81% of 8006 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
134 d late
2023
31 d late
2022
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€126k▲ 57.6%
2024 · €80k
2022: €16k
2023: €47k
2024: €80k
2022 → 2025
Net result
€46k▲ 39.6%
2024 · €33k
2022: €12k
2023: €31k
2024: €33k
2022 → 2025
Total assets
€151k▲ 28.0%
2024 · €118k
2022: €29k
2023: €77k
2024: €118k
2022 → 2025
Solvency
83.3%▲ 15.7pp
2024 · 67.7%
2022: 54.1%
2023: 61.1%
2024: 67.7%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€16k-€47k▲ 199%€80k▲ 70.3%€126k▲ 57.6%
Operating result€20k-€45k▲ 126%€43k▼ 4.2%€58k▲ 32.8%
Net result€12k-€31k▲ 171%€33k▲ 5.7%€46k▲ 39.6%
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 33% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €151k
Equity
€126k▲ 57.6%
Debt
€25k▼ 34.0%
The debt ratio falls from 32.3% to 16.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
83.3%▲
2024 · 67.7%
ROE
36.6%▼
2024 · 41.3%
ROA
30.5%▲
2024 · 27.9%
Debt
€25k▼
2024 · €38k
Debt ≤ 1 year
€25k▼
2024 · €38k
Income taxes
€11k▲
2024 · €10k
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€151k▲
Current assets29/58€118k€151k▲
Amounts receivable within one year40/41€25k€18k▼
Trade receivables40€24k€15k▼
Other amounts receivable41€626€3k▲
Cash at bank and in hand54/58€92k€133k▲
Deferred charges and accrued income490/1€963€963=
Equity and liabilities
Total equity and liabilities10/49€118k€151k▲
Equity10/15€80k€126k▲
Contributions10/11€5k€5k=
Reserves13€75k€121k▲
Distributable reserves133€75k€121k▲
Amounts payable17/49€38k€25k▼
Amounts payable within one year42/48€38k€25k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€37k€24k▼
Taxes450/3€35k€20k▼
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48-€193
Income statement
Code20242025
Other operating charges640/8€191€2k▲
Gross operating margin9900€44k€60k▲
Operating profit (loss)9901€43k€58k▲
Financial income75/76B€120€0▼
Recurring financial income75€120€0▼
Financial charges65/66B€47€278▲
Recurring financial charges65€47€278▲
Profit (loss) for the period before taxes9903€43k€57k▲
Income taxes67/77€10k€11k▲
Profit (loss) for the period9904€33k€46k▲
Profit (loss) for the period to be appropriated9905€33k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€46k▲
Transfer to equity691/2€33k€46k▲
To other reserves6921€33k€46k▲
The notes to these accounts (5 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
Highest result since 2022net €46k ▲39.6%
Operating result €58k, net result €46k, both a record.
31-12
Financial
Equity above €100kEq €126k ▲57.6%
4 profitable years in a row build equity to €126k.
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 134 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 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, Arendonk · 1 establishment unit since 2021
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.
Hoge Mauw 13462370 ArendonkGround area
1,364 m²
Building footprint
1,024 m²
Volume, LiDAR
6,807 m³
Parcel 13322C1198/00C000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SEICHO
since 20212.316.802.537
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13322C1198/00C000 | Flanders | 1,364 m² | 1 · 1,024 m² | 8.9 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 2,070 EUR awarded · 2,367 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 297 EUR |
| 2022 | 1 | 2,070 EUR | 2,070 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 12,903 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.