SEM POORTEN
ActiveSEM POORTEN has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €468k and a net result of €67k. Equity is growing by ~26% per year across the filed fiscal years. Its solvency ranks better than 48% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-7
Solvency67▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.75 against 1.62 in 2024; short-term debt: 52.8% and cash: 16% of total assets), but 57.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
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
42.1%
Return on assets
6%
Age of the figures
12 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 · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-02-2026, 78 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
78 d early
2024
on the day
2023
on the day
2022
2 d early
2021
26 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€468k▲ 8.4%
2024 · €432k
2018: €52k
2019: €83k
2020: €145k
2021: €210k
2022: €260k
2023: €312k
2024: €432k
2018 → 2025
Total assets
€1.11M▼ 3.2%
2024 · €1.15M
2018: €673k
2019: €726k
2020: €873k
2021: €1.05M
2022: €1.08M
2023: €1.13M
2024: €1.15M
2018 → 2025
Net result
€67k▼ 43.9%
2024 · €119k
2018: €25k
2019: €31k
2020: €63k
2021: €65k
2022: €50k
2023: €52k
2024: €119k
2018 → 2025
Working capital
€440k▲ 11.5%
2024 · €395k
2018: €26k
2019: €13k
2020: €98k
2021: €189k
2022: €235k
2023: €264k
2024: €395k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€210k-€260k▲ 24.1%€312k▲ 20.0%€432k▲ 38.2%€468k▲ 8.4%
Operating result€103k-€83k▼ 19.2%€90k▲ 7.9%€197k▲ 119%€118k▼ 40.1%
Net result€65k-€50k▼ 21.9%€52k▲ 3.0%€119k▲ 129%€67k▼ 43.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€85k▼ 23.6%
Current assets
€1.03M▼ 1.0%
Equity and liabilities €1.11M
Equity
€468k▲ 8.4%
Debt
€644k▼ 10.1%
The debt ratio falls from 62.4% to 57.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€152k▼
2024 · €239k
Cash flow
€101k▼
2024 · €161k
Solvency
42.1%▲
2024 · 37.6%
Current ratio
1.75▲
2024 · 1.62
Quick ratio
0.96▲
2024 · 0.90
Debt / equity
1.38▼
2024 · 1.66
ROE
14.3%▼
2024 · 27.7%
ROA
6.0%▼
2024 · 10.4%
Interest coverage
5.86▼
2024 · 7.78
Debt
€644k▼
2024 · €717k
Debt ≤ 1 year
€587k▼
2024 · €642k
Debt > 1 year
€58k▼
2024 · €75k
Income taxes
€25k▼
2024 · €48k
Staff costs
€647k▲
2024 · €596k
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€1.15M€1.11M▼
Fixed assets21/28€111k€85k▼
Intangible fixed assets21€326-
Tangible fixed assets22/27€111k€84k▼
Plant, machinery and equipment23€9k€3k▼
Furniture and vehicles24€11k€11k▼
Leasing and similar rights25€25k€19k▼
Other tangible fixed assets26€66k€52k▼
Financial fixed assets28€170€572▲
Current assets29/58€1.04M€1.03M▼
Stocks and contracts in progress3€457k€463k▲
Stocks30/36€457k€463k▲
Amounts receivable within one year40/41€400k€366k▼
Trade receivables40€400k€361k▼
Other amounts receivable41-€5k
Cash at bank and in hand54/58€176k€177k▲
Deferred charges and accrued income490/1€3k€21k▲
Equity and liabilities
Total equity and liabilities10/49€1.15M€1.11M▼
Equity10/15€432k€468k▲
Contributions10/11€20k€20k=
Outside capital11€20k€20k=
Other1109/19€20k€20k=
Reserves13€95k€65k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€93k€63k▼
Profit (loss) carried forward14€316k€383k▲
Amounts payable17/49€717k€644k▼
Amounts payable after more than one year17€75k€58k▼
Financial debts170/4€75k€58k▼
Amounts payable within one year42/48€642k€587k▼
Current portion of amounts payable after more than one year42€43k€26k▼
Financial debts43€390k€410k▲
Credit institutions430/8€390k€410k▲
Trade debts44€139k€74k▼
Suppliers440/4€139k€74k▼
Taxes, remuneration and social security45€69k€76k▲
Taxes450/3€33k€3k▼
Remuneration and social security454/9€36k€73k▲
Other amounts payable47/48€894€894=
Income statement
Code20242025
Non-recurring operating income76A€6k€15k▲
Remuneration, social security and pensions62€596k€647k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€34k▼
Other operating charges640/8€5k€9k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€842k€809k▼
Operating profit (loss)9901€197k€118k▼
Financial income75/76B€1k€174▼
Recurring financial income75€1k€174▼
Financial charges65/66B€31k€26k▼
Recurring financial charges65€31k€26k▼
Profit (loss) for the period before taxes9903€167k€92k▼
Income taxes67/77€48k€25k▼
Profit (loss) for the period9904€119k€67k▼
Profit (loss) for the period to be appropriated9905€119k€67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€316k€383k▲
Profit (loss) brought forward from the previous period14P€197k€316k▲
Transfer from equity791/2-€31k
Profit to be distributed694/7-€31k
Return on contributions (dividend)694-€31k
Social balance
Average headcount (FTE)908710.19.6▼
The notes to these accounts (15 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
11-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €119k ▲129%
Operating result €197k, net result €119k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Equity above €200kEq €210k ▲44.6%
4 profitable years in a row build equity to €210k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €100kEq €145k ▲75.8%
3 profitable years in a row build equity to €145k.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
24-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Haaltert · 1 establishment unit 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.
Atomveldstraat(De) 109450 HaaltertGround area
2.9 ha
Building footprint
3,307 m²
Volume, LiDAR
74 m³
Parcel 41010B0736/00E000, Flanders · tallest building 1.4 m. Linked by address, not a title deed.
1 establishment unit
SEM Poorten
since 20132.251.433.742
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41010B0736/00E000 | Flanders | 2.9 ha | 1 · 3,307 m² | 1.4 m |
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 · 248 EUR awarded · 198 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 248 EUR | 198 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 6,109 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-08-2013
Fiscal year end30-09
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.