SELEGUA
ActiveSELEGUA has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €352k and a net result of €38k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 56% of 8967 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▼-3
Solvency86▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 5.89 against 4.84 in 2023; short-term debt: 11.4% and cash: 34.5% of total assets), and 38.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-10-2025, 77 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
not confirmed
2024
77 d late
2023
61 d late
2022
31 d late
2021
29 d late
2020
90 d late
2019
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€352k▼ 5.5%
2023 · €372k
2018: €204k
2019: €215k
2020: €224k
2021: €276k
2022: €315k
2023: €372k
2018 → 2024
Total assets
€573k▼ 8.2%
2023 · €624k
2018: €284k
2019: €276k
2020: €463k
2021: €544k
2022: €584k
2023: €624k
2018 → 2024
Net result
€38k▼ 33.4%
2023 · €57k
2018: €41k
2019: €12k
2020: €10k
2021: €54k
2022: €40k
2023: €57k
2018 → 2024
Working capital
€320k▼ 5.1%
2023 · €338k
2018: €132k
2019: €149k
2020: €176k
2021: €231k
2022: €276k
2023: €338k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€224k-€276k▲ 23.7%€315k▲ 14.1%€372k▲ 17.9%€352k▼ 5.5%
Operating result€17k-€79k▲ 358%€65k▼ 18.3%€84k▲ 30.2%€57k▼ 31.6%
Net result€10k-€54k▲ 455%€40k▼ 26.0%€57k▲ 44.2%€38k▼ 33.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 32% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €573k
Fixed assets
€187k▼ 5.9%
Current assets
€386k▼ 9.3%
Equity and liabilities €573k
Equity
€352k▼ 5.5%
Debt
€221k▼ 12.3%
The debt ratio falls from 40.4% to 38.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€71k▼
2023 · €99k
Cash flow
€52k▼
2023 · €72k
Solvency
61.4%▲
2023 · 59.6%
Current ratio
5.89▲
2023 · 4.84
Quick ratio
5.89▲
2023 · 4.84
Debt / equity
0.63▼
2023 · 0.68
ROE
10.9%▼
2023 · 15.4%
ROA
6.7%▼
2023 · 9.2%
Interest coverage
15.78▼
2023 · 21.29
Debt
€221k▼
2023 · €252k
Debt ≤ 1 year
€65k▼
2023 · €88k
Debt > 1 year
€156k▼
2023 · €164k
Income taxes
€16k▼
2023 · €23k
Staff costs
€68k▼
2023 · €84k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€624k€573k▼
Fixed assets21/28€199k€187k▼
Tangible fixed assets22/27€199k€187k▼
Land and buildings22€148k€139k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€2k€3k▲
Other tangible fixed assets26€46k€43k▼
Current assets29/58€426k€386k▼
Amounts receivable after more than one year29€50k-
Other amounts receivable291€50k-
Amounts receivable within one year40/41€80k€85k▲
Trade receivables40€80k€81k▲
Other amounts receivable41-€4k
Current investments50/53-€100k
Cash at bank and in hand54/58€293k€198k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€624k€573k▼
Equity10/15€372k€352k▼
Contributions10/11€12k€12k=
Reserves13€360k€339k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€358k€337k▼
Profit (loss) carried forward14€19€21▲
Amounts payable17/49€252k€221k▼
Amounts payable after more than one year17€164k€156k▼
Financial debts170/4€164k€156k▼
Amounts payable within one year42/48€88k€65k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€15k€1k▼
Suppliers440/4€15k€1k▼
Advances received on contracts in progress46-€214
Taxes, remuneration and social security45€42k€33k▼
Taxes450/3€25k€26k▲
Remuneration and social security454/9€17k€7k▼
Other amounts payable47/48€21k€22k▲
Income statement
Code20232024
Remuneration, social security and pensions62€84k€68k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€9k-
Other operating charges640/8€4k€5k▲
Gross operating margin9900€196k€145k▼
Operating profit (loss)9901€84k€57k▼
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€81k€54k▼
Income taxes67/77€23k€16k▼
Profit (loss) for the period9904€57k€38k▼
Profit (loss) for the period to be appropriated9905€57k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€57k€38k▼
Profit (loss) brought forward from the previous period14P€42€19▼
Transfer from equity791/2-€59k
Transfer to equity691/2€57k€38k▼
To other reserves6921€57k€38k▼
Profit to be distributed694/7€800€59k▲
Return on contributions (dividend)694€800€59k▲
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
2025
16-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 77 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €57k ▲44.2%
Operating result €84k, net result €57k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
31-12
Financial
Weakest financial yearnet €10k ▼16%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 146 days late
2018
07-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 38 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
03-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Liège · 2 establishment units since 2014
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.
Avenue de l'Observatoire 744000 LiègeGround area
552 m²
Building footprint
200 m²
Volume, LiDAR
1,774 m³
2 parcels, Wallonia · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
SELEGUA
since 20142.227.227.886
SELEGUA
since 20212.324.204.825
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62804C0415/00W002 | Wallonia | 478 m² | 1 · 127 m² | 9.5 m · 3 fl. |
| 62802D0472/00K002 | Wallonia | 73 m² | 1 · 73 m² | 13.8 m · 4 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.
Similar companies · same sector, comparable size
SERRPA
BE 0744.412.345
Chièvres · Eq €351k
POSITIVO
BE 0505.934.380
Oostende · Eq €351k
ASM&C
BE 0563.953.149
Sint-Lambrechts-Woluwe · Eq €351k
GLADIUS
BE 0789.755.390
Yvoir · Eq €353k
SOAVE + ASSOCIATES
BE 0865.441.225
Wemmel · Eq €353k
Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 4,646 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-02-2014
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73110Advertising agencies
73300Public relations and communication consultancy
62020IT consultancy
62200Computer consultancy and computer facilities management
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.