SEMA INTERIEUR
ActiveSEMA INTERIEUR has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6k and a net result of €1k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 13% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
60
/ 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
Profitability71▲+1
Solvency34▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
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 · 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 27451 sector peers (2025).
NBB · sector comparisonPosition among 27451 sector peers
Solvency
better than 13%
← 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 11-08-2026, 11 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
11 d late
2024
6 d late
2023
49 d late
2022
62 d late
2021
162 d late
2020
475 d late
2019
133 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▲ 25.9%
2024 · €5k
2018: €-9k
2019: €6k
2020: €4k
2021: €12k
2022: €3k
2023: €4k
2024: €5k
2018 → 2025
Total assets
€69k▼ 27.1%
2024 · €95k
2018: €39k
2019: €49k
2020: €62k
2021: €61k
2022: €51k
2023: €88k
2024: €95k
2018 → 2025
Net result
€1k▼ 3.9%
2024 · €1k
2018: €18k
2019: €15k
2020: €46k
2021: €9k
2022: €-10k
2023: €719
2024: €1k
2018 → 2025
Working capital
€6k▼ 49.4%
2024 · €12k
2018: €-10k
2019: €5k
2020: €-14k
2021: €-7k
2022: €-11k
2023: €-28k
2024: €12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€3k▼ 77.3%€4k▲ 25.6%€5k▲ 36.9%€6k▲ 25.9%
Operating result€11k-€-10k€1k€2k▲ 84.0%€9k▲ 245%
Net result€9k-€-10k€719€1k▲ 81.1%€1k▼ 3.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 245% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69k
Fixed assets
€21k▼ 30.2%
Current assets
€48k▼ 25.6%
Equity and liabilities €69k
Equity
€6k▲ 25.9%
Debt
€63k▼ 29.9%
The debt ratio falls from 94.9% to 91.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▲
2024 · €15k
Cash flow
€10k▼
2024 · €14k
Solvency
8.8%▲
2024 · 5.1%
Current ratio
1.15▼
2024 · 1.23
Quick ratio
1.15▼
2024 · 1.23
Debt / equity
10.42▼
2024 · 18.71
ROE
20.6%▼
2024 · 26.9%
ROA
1.8%▲
2024 · 1.4%
Interest coverage
23.72▲
2024 · 12.64
Debt
€63k▼
2024 · €90k
Debt ≤ 1 year
€42k▼
2024 · €53k
Income taxes
€7k
Staff costs
€2k▲
2024 · €2k
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€95k€69k▼
Fixed assets21/28€30k€21k▼
Tangible fixed assets22/27€30k€21k▼
Furniture and vehicles24€30k€21k▼
Current assets29/58€65k€48k▼
Amounts receivable within one year40/41€46k€35k▼
Trade receivables40€435€3k▲
Other amounts receivable41€45k€31k▼
Cash at bank and in hand54/58€19k€14k▼
Deferred charges and accrued income490/1€680-
Equity and liabilities
Total equity and liabilities10/49€95k€69k▼
Equity10/15€5k€6k▲
Contributions10/11€19k€19k=
Reserves13€6k€6k=
Tax-exempt reserves132€6k€6k=
Profit (loss) carried forward14€-20k€-18k▲
Amounts payable17/49€90k€63k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€53k€42k▼
Current portion of amounts payable after more than one year42€7k€4k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Other amounts payable47/48€44k€36k▼
Accrued charges and deferred income492/3€33k€21k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€9k▼
Other operating charges640/8€502€512▲
Gross operating margin9900€17k€21k▲
Operating profit (loss)9901€2k€9k▲
Financial charges65/66B€1k€743▼
Recurring financial charges65€1k€743▼
Profit (loss) for the period before taxes9903€1k€8k▲
Income taxes67/77-€7k
Profit (loss) for the period9904€1k€1k▼
Profit (loss) for the period to be appropriated9905€1k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-18k▲
Profit (loss) brought forward from the previous period14P€-21k€-20k▲
The notes to these accounts (4 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
31-12
Financial
Back to profitnet €719
Net result €719 after one loss-making year.
01-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 62 days late
09-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 162 days late
2022
31-12
Financial
Weakest financial yearnet €-10k ▼212%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
18-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 475 days late
2020
31-12
Financial
Highest result since 2018net €46k ▲212%
Operating result €46k, net result €46k, both a record.
11-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 133 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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, Vilvoorde · 1 establishment unit since 2001
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.
Nijverheidsstraat 91800 VilvoordeGround area
7,960 m²
Building footprint
3,040 m²
Volume, LiDAR
18,352 m³
2 parcels, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SEMA INTERIEUR
since 20012.134.973.760
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23643G0381/00R002 | Flanders | 6,692 m² | 1 · 2,603 m² | 11.1 m · 2 fl. |
| 23643G0408/02E004 | Flanders | 1,268 m² | 1 · 436 m² | 10.2 m · 3 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.
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Of 7,292 companies in sector 43350 we hold annual accounts for 2,359. 1,122 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2001
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:semainterieur@outlook.com