SEJ
ActiveSEJ is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-3.76M) and a net result of €40k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 8013 sector peers (fiscal year 2025). The company has been active since 2013 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8013 sector peers (2025).
NBB · sector comparisonPosition among 8013 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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
5 d late
2024
31 d late
2023
30 d late
2022
32 d late
2021
31 d late
2020
31 d late
2019
102 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-3.76M▲ 1.1%
2024 · €-3.80M
2018: €308k
2019: €311k
2020: €313k
2021: €329k
2022: €171k
2023: €197k
2024: €-3.80M
2018 → 2025
Net result
€40k
2024 · €-3.99M
2018: €221k
2019: €3k
2020: €2k
2021: €4k
2022: €-158k
2023: €19k
2024: €-3.99M
2018 → 2025
Total assets
€67k▲ 46.5%
2024 · €45k
2018: €5.38M
2019: €5.26M
2020: €5.52M
2021: €6.30M
2022: €6.28M
2023: €4.13M
2024: €45k
2018 → 2025
Solvency
-5646.3%▲ 2716.7pp
2024 · -8363.0%
2018: 5.7%
2019: 5.9%
2020: 5.7%
2021: 5.2%
2022: 2.7%
2023: 4.8%
2024: -8363.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€539k-€748k▲ 38.8%€118k€62k▼ 47.8%
Equity€329k-€171k▼ 48.1%€197k▲ 15.2%€-3.80M€-3.76M▲ 1.1%
Operating result€-28k-€-158k▼ 459%€39k€-792k€41k
Net result€4k-€-158k€19k€-3.99M€40k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €41k after a loss of €792k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€45k▲ 7.2%
Current assets
€22k▲ 498%
Key figures and ratios
ROA
60.8%
Debt
€3.82M▼
2024 · €3.84M
Debt ≤ 1 year
€3.82M▼
2024 · €3.84M
Income taxes
€606▼
2024 · €1k
A ratio outside any meaningful range has been withheld (balance sheet total €67k, equity €-3.76M).
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€45k€67k▲
Fixed assets21/28€42k€45k▲
Tangible fixed assets22/27€42k€45k▲
Other tangible fixed assets26€42k€45k▲
Current assets29/58€4k€22k▲
Amounts receivable within one year40/41€1k€20k▲
Trade receivables40-€20k
Other amounts receivable41€1k-
Cash at bank and in hand54/58€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€45k€67k▲
Equity10/15€-3.80M€-3.76M▲
Contributions10/11€19k€19k=
Reserves13€318k€318k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€315k€315k=
Profit (loss) carried forward14€-4.13M€-4.09M▲
Amounts payable17/49€3.84M€3.82M▼
Amounts payable within one year42/48€3.84M€3.82M▼
Trade debts44-€16k
Suppliers440/4-€16k
Taxes, remuneration and social security45-€10k
Taxes450/3-€10k
Other amounts payable47/48€3.84M€3.80M▼
Income statement
Code20242025
Turnover70€118k€62k▼
Goods, raw materials, services and sundry goods60/61€120k€58k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€71▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€752k-
Other operating charges640/8€17k€120▼
Gross operating margin9900€-2k€42k▲
Operating profit (loss)9901€-792k€41k▲
Financial charges65/66B€3.20M€476▼
Recurring financial charges65€113€476▲
Non-recurring financial charges66B€3.20M-
Profit (loss) for the period before taxes9903€-3.99M€41k▲
Income taxes67/77€1k€606▼
Profit (loss) for the period9904€-3.99M€40k▲
Profit (loss) for the period to be appropriated9905€-3.99M€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4.13M€-4.09M▲
Profit (loss) brought forward from the previous period14P€-140k€-4.13M▼
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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-3.99M ▼21460%
Net result drops to €-3.99M, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 102 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
20-06
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
5 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, Heist-op-den-Berg · 1 establishment unit since 2022
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.
Neetweg(HAL) 2 B2220 Heist-op-den-BergGround area
1,998 m²
Building footprint
261 m²
Volume, LiDAR
1,488 m³
Parcel 12011B0198/00W002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Neetweg(HAL) 2, 2220 Heist-op-den-Berg
since 20222.335.981.120
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12011B0198/00W002 | Flanders | 1,998 m² | 1 · 261 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 · 1 entry · 337 EUR awarded · 337 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 337 EUR | 337 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,514 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2013
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:sophie.vandyck@hotmail.com
Phone:0477523297