SEMAILLES
ActiveSEMAILLES has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €451k and a net result of €14k. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 75% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
66
/ 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
Profitability51▼-20
Solvency86▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 2.61 in 2024; short-term debt: 32% and cash: 17.7% of total assets), and 39% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
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
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
61%
Return on assets
2%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 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
27 d late
2024
4 d late
2023
62 d early
2022
74 d early
2021
77 d early
2020
16 d late
2019
18 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€14k▼ 23.9%
2024 · €19k
2019: €155k
2020: €297k
2021: €495k
2022: €277k
2023: €30k
2024: €19k
2019 → 2025
Working capital
€416k▼ 10.5%
2024 · €465k
2019: €225k
2020: €525k
2021: €1.03M
2022: €618k
2023: €563k
2024: €465k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.15M-€739k▼ 35.7%€684k▼ 7.4%€538k▼ 21.3%€451k▼ 16.2%
Operating result€692k-€325k▼ 53.0%€60k▼ 81.4%€43k▼ 28.1%€35k▼ 19.2%
Net result€495k-€277k▼ 44.1%€30k▼ 89.3%€19k▼ 35.8%€14k▼ 23.9%
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 19% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €739k
Fixed assets
€87k▲ 4.9%
Current assets
€652k▼ 13.5%
Equity and liabilities €739k
Equity
€451k▼ 16.2%
Provisions
€4k▼ 10.2%
Debt
€284k▼ 3.5%
The debt ratio rises from 35.2% to 38.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€57k▼
2024 · €100k
Cash flow
€36k▼
2024 · €75k
Solvency
61.0%▼
2024 · 64.3%
Current ratio
2.76▲
2024 · 2.61
Quick ratio
2.14▲
2024 · 1.95
Debt / equity
0.63▲
2024 · 0.55
ROE
3.2%▼
2024 · 3.5%
ROA
2.0%▼
2024 · 2.3%
Interest coverage
3.60▼
2024 · 5.93
Debt
€284k▼
2024 · €294k
Debt ≤ 1 year
€236k▼
2024 · €289k
Debt > 1 year
€48k▲
2024 · €4k
Income taxes
€9k▼
2024 · €13k
Staff costs
€257k▲
2024 · €233k
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€837k€739k▼
Fixed assets21/28€83k€87k▲
Intangible fixed assets21€8k€918▼
Tangible fixed assets22/27€74k€86k▲
Land and buildings22€46k€0▼
Plant, machinery and equipment23€2k€0▼
Furniture and vehicles24€19k€41k▲
Leasing and similar rights25€8k€36k▲
Other tangible fixed assets26€0€9k▲
Financial fixed assets28€605€605=
Current assets29/58€754k€652k▼
Amounts receivable after more than one year29€179k€194k▲
Trade receivables290€179k€194k▲
Stocks and contracts in progress3€189k€146k▼
Stocks30/36€189k€146k▼
Amounts receivable within one year40/41€142k€168k▲
Trade receivables40€95k€128k▲
Other amounts receivable41€47k€41k▼
Cash at bank and in hand54/58€233k€131k▼
Deferred charges and accrued income490/1€10k€13k▲
Equity and liabilities
Total equity and liabilities10/49€837k€739k▼
Equity10/15€538k€451k▼
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€510k€425k▼
Investment grants15€13k€12k▼
Provisions and deferred taxes16€4k€4k▼
Deferred taxes168€4k€4k▼
Amounts payable17/49€294k€284k▼
Amounts payable after more than one year17€4k€48k▲
Financial debts170/4€4k€48k▲
Amounts payable within one year42/48€289k€236k▼
Current portion of amounts payable after more than one year42€9k€12k▲
Trade debts44€61k€101k▲
Suppliers440/4€61k€101k▲
Taxes, remuneration and social security45€42k€23k▼
Taxes450/3€16k€12k▼
Remuneration and social security454/9€27k€11k▼
Other amounts payable47/48€176k€100k▼
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€82k
Remuneration, social security and pensions62€233k€257k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€22k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€978€0▼
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A€57€0▼
Gross operating margin9900€337k€316k▼
Operating profit (loss)9901€43k€35k▼
Financial income75/76B€6k€4k▼
Recurring financial income75€6k€4k▼
Financial charges65/66B€17k€16k▼
Recurring financial charges65€17k€16k▼
Profit (loss) for the period before taxes9903€32k€23k▼
Transfer from deferred taxes780€27€457▲
Income taxes67/77€13k€9k▼
Profit (loss) for the period9904€19k€14k▼
Profit (loss) for the period to be appropriated9905€19k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€686k€525k▼
Profit (loss) brought forward from the previous period14P€667k€510k▼
Profit to be distributed694/7€176k€100k▼
Return on contributions (dividend)694€176k€100k▼
Social balance
Average headcount (FTE)90875.76.3▲
The notes to these accounts (24 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 27 days late
2025
30-06
Financial
Weakest financial yearnet €14k ▼23.9%
Net result drops to €14k, the lowest in the series.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 4 days late
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
30-06
Financial
Liquidity doublescurrent ratio 4.07
Current ratio from 1.79 to 4.07; short-term debt falls from €782k to €183k.
2022
18-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
15-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Highest result since 2019net €495k ▲66.8%
Operating result €692k, net result €495k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 11.03
Current ratio from 4.49 to 11.03; short-term debt falls from €150k to €102k.
30-06
Financial
Equity above €1MEq €1.15M ▲75%
3 profitable years in a row build equity to €1.15M.
16-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 16 days late
2020
30-06
Financial
Liquidity doublescurrent ratio 4.49
Current ratio from 1.84 to 4.49; short-term debt falls from €267k to €150k.
30-06
Financial
Equity above €500kEq €656k ▲81.2%
2 profitable years in a row build equity to €656k.
18-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 18 days late
2018
13-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
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, Assesse · 1 establishment unit since 2010
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.
Rue du Bois-Gilot 125336 AssesseGround area
2.2 ha
Building footprint
496 m²
Parcel 92028B0046/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Semailles SRL
since 20102.184.583.223
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92028B0046/00L000 | Wallonia | 2.2 ha | 1 · 496 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAssesse2.184.583.223
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Of 3,387 companies in sector 47761 we hold annual accounts for 1,156. 837 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-2009
Fiscal year end30-06
Activities, NACEBEL
01130Growing of vegetables, melons, roots and tubers
47761Retail sale of flowers, plants, seeds and fertilisers
01110Growing of cereals (except rice), leguminous crops and oil seeds
01191Growing of flowers
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.