SellYD
ActiveThe computed 12-month bankruptcy probability of SellYD is 2.3% (moderate). The 2025 annual accounts show negative equity (€-6k) and a net result of €-9k. Its solvency ranks better than 18% of 11323 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
25
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-71
Solvency20▼-7
Growth32
Track record82
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.81 against 1.0 in 2024; short-term debt: 102.8% and cash: 0% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-5.4%
Return on assets
-7.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year €-6k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-03-2026, 123 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
123 d early
2024
100 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-6k
2024 · €2k
2024: €2k
2024 → 2025
Total assets
€117k▲ 15.5%
2024 · €101k
2024: €101k
2024 → 2025
Net result
€-9k
2024 · €9k
2024: €9k
2024 → 2025
Working capital
€-22k▼ 8,239%
2024 · €-269
2024: €-269
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€2k-€-6k
Operating result€13k-€-7k
Net result€9k-€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €13k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€19k▲ 87.4%
Current assets
€98k▲ 7.4%
Key figures and ratios
EBITDA
€-4k▼
2024 · €15k
Cash flow
€-5k▼
2024 · €12k
Solvency
-5.4%▼
2024 · 2.3%
Current ratio
0.81▼
2024 · 1.00
Quick ratio
0.81▼
2024 · 1.00
Debt / equity
-19.54▼
2024 · 41.67
ROA
-7.4%▼
2024 · 9.2%
Interest coverage
-2.28▼
2024 · 11.21
Debt
€124k▲
2024 · €99k
Debt ≤ 1 year
€120k▲
2024 · €92k
Debt > 1 year
€3k▼
2024 · €8k
Income taxes
€65▼
2024 · €2k
Staff costs
€40k▲
2024 · €38k
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€101k€117k▲
Fixed assets21/28€10k€19k▲
Intangible fixed assets21-€11k
Tangible fixed assets22/27€10k€8k▼
Plant, machinery and equipment23€10k€8k▼
Current assets29/58€91k€98k▲
Amounts receivable within one year40/41€90k€92k▲
Trade receivables40€82k€91k▲
Other amounts receivable41€8k€2k▼
Cash at bank and in hand54/58-€10
Deferred charges and accrued income490/1€1k€6k▲
Equity and liabilities
Total equity and liabilities10/49€101k€117k▲
Equity10/15€2k€-6k▼
Contributions10/11€1k€1k=
Reserves13€1k€1k=
Distributable reserves133€1k€1k=
Profit (loss) carried forward14€0€-9k▼
Amounts payable17/49€99k€124k▲
Amounts payable after more than one year17€8k€3k▼
Financial debts170/4€8k€3k▼
Amounts payable within one year42/48€92k€120k▲
Current portion of amounts payable after more than one year42€4k€6k▲
Financial debts43€25k€7k▼
Credit institutions430/8€25k€7k▼
Trade debts44€47k€104k▲
Suppliers440/4€47k€104k▲
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€3k€1k▼
Other amounts payable47/48€8k€15▼
Accrued charges and deferred income492/3-€128
Income statement
Code20242025
Remuneration, social security and pensions62€38k€40k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€387€588▲
Gross operating margin9900€54k€37k▼
Operating profit (loss)9901€13k€-7k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€12k€-9k▼
Income taxes67/77€2k€65▼
Profit (loss) for the period9904€9k€-9k▼
Profit (loss) for the period to be appropriated9905€9k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-9k▼
Transfer to equity691/2€1k€0▼
To other reserves6921€1k€0▼
Profit to be distributed694/7€8k€0▼
Directors or managers695€8k€0▼
The notes to these accounts (9 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Kortrijk · 1 establishment unit since 2024
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.
't Rode Paard(Bel) 248510 KortrijkGround area
628 m²
Building footprint
175 m²
Volume, LiDAR
838 m³
Parcel 34005C0116/00C000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Foodguide
since 20242.354.568.397
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34005C0116/00C000 | Flanders | 628 m² | 1 · 174 m² | 8.3 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
2025 · 1 entry · 25,000 EUR awarded · 12,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 25,000 EUR | 12,500 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
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Of 4,422 companies in sector 46180 we hold annual accounts for 1,886. 441 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2024
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
82990Other business support services
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.