SEMAO SRL
ActiveSEMAO SRL has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €296k and a net result of €160k. Equity is growing by ~72.2% per year across the filed fiscal years. Its solvency ranks better than 32% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+7
Solvency58▲+15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 0.42 in 2024; short-term debt: 25.5% and cash: 21% of total assets), and 67.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
32.6%
Return on assets
17.6%
Age of the figures
9 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
3 d early
2024
16 d early
2023
43 d early
2022
83 d early
2021
65 d early
2020
26 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€296k▲ 117%
2024 · €136k
2020: €18k
2021: €34k
2022: €38k
2023: €46k
2024: €136k
2020 → 2025
Total assets
€908k▲ 19.9%
2024 · €758k
2020: €685k
2021: €753k
2022: €726k
2023: €721k
2024: €758k
2020 → 2025
Net result
€160k▲ 78.3%
2024 · €90k
2020: €12k
2021: €16k
2022: €4k
2023: €8k
2024: €90k
2020 → 2025
Working capital
€33k
2024 · €-124k
2020: €-207k
2021: €-200k
2022: €-194k
2023: €-180k
2024: €-124k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€38k▲ 13.1%€46k▲ 21.9%€136k▲ 193%€296k▲ 117%
Operating result€35k-€26k▼ 27.7%€42k▲ 64.2%€152k▲ 263%€248k▲ 63.3%
Net result€16k-€4k▼ 72.4%€8k▲ 89.0%€90k▲ 976%€160k▲ 78.3%
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 63% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €908k
Fixed assets
€643k▼ 3.6%
Current assets
€265k▲ 193%
Equity and liabilities €908k
Equity
€296k▲ 117%
Debt
€612k▼ 1.5%
The debt ratio falls from 82.0% to 67.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€273k▲
2024 · €176k
Cash flow
€184k▲
2024 · €114k
Solvency
32.6%▲
2024 · 18.0%
Current ratio
1.14▲
2024 · 0.42
Quick ratio
1.14▲
2024 · 0.42
Debt / equity
2.06▼
2024 · 4.56
ROE
54.0%▼
2024 · 65.9%
ROA
17.6%▲
2024 · 11.9%
Interest coverage
17.48▲
2024 · 8.98
Debt
€612k▼
2024 · €621k
Debt ≤ 1 year
€232k▲
2024 · €215k
Debt > 1 year
€380k▼
2024 · €406k
Income taxes
€76k▲
2024 · €43k
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€758k€908k▲
Fixed assets21/28€667k€643k▼
Tangible fixed assets22/27€667k€643k▼
Land and buildings22€667k€643k▼
Furniture and vehicles24€300-
Current assets29/58€91k€265k▲
Amounts receivable within one year40/41€35k€74k▲
Trade receivables40-€36k
Other amounts receivable41€35k€38k▲
Cash at bank and in hand54/58€55k€191k▲
Deferred charges and accrued income490/1€99€110▲
Equity and liabilities
Total equity and liabilities10/49€758k€908k▲
Equity10/15€136k€296k▲
Contributions10/11€6k€6k=
Reserves13€129k€289k▲
Distributable reserves133€129k€289k▲
Profit (loss) carried forward14€680€797▲
Amounts payable17/49€621k€612k▼
Amounts payable after more than one year17€406k€380k▼
Financial debts170/4€406k€380k▼
Amounts payable within one year42/48€215k€232k▲
Current portion of amounts payable after more than one year42€26k€27k▲
Trade debts44-€4k
Suppliers440/4-€4k
Taxes, remuneration and social security45€36k€57k▲
Taxes450/3€36k€57k▲
Other amounts payable47/48€153k€144k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k▼
Other operating charges640/8€5k€3k▼
Gross operating margin9900€182k€275k▲
Operating profit (loss)9901€152k€248k▲
Financial income75/76B€437€3k▲
Recurring financial income75€437€3k▲
Financial charges65/66B€20k€16k▼
Recurring financial charges65€20k€16k▼
Profit (loss) for the period before taxes9903€133k€236k▲
Income taxes67/77€43k€76k▲
Profit (loss) for the period9904€90k€160k▲
Profit (loss) for the period to be appropriated9905€90k€160k▲
Appropriation of the result
Profit (loss) to be appropriated9906€90k€161k▲
Profit (loss) brought forward from the previous period14P€595€680▲
Transfer to equity691/2€90k€160k▲
To other reserves6921€90k€160k▲
The notes to these accounts (5 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €160k ▲78.3%
Operating result €248k, net result €160k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.14
Current ratio from 0.42 to 1.14.
31-12
Financial
Equity above €200kEq €296k ▲117%
6 profitable years in a row build equity to €296k.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €136k ▲193%
5 profitable years in a row build equity to €136k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €4k ▼72.4%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
27-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 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, Eghezée · 1 establishment unit since 2019
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 Molignat,St-Germain 145310 EghezéeGround area
1,082 m²
Building footprint
190 m²
Parcel 92105A0105/00M000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SEMAO
since 20192.295.077.507
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92105A0105/00M000 | Wallonia | 1,082 m² | 1 · 190 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.
Similar companies · same sector, comparable size
DB Management
BE 0803.366.965
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ADMARO
BE 0476.929.204
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BLANCHE-ac
BE 0672.723.407
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Alfred Courtens Consulting
BE 0632.802.264
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KANTOOR VAN DER WEEËN
BE 0642.813.159
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 38,216 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0486/953911