SEMATI
ActiveThe computed 12-month bankruptcy probability of SEMATI is 4.9% (elevated). The 2024 annual accounts show equity of €26k and a net result of €12k. Its solvency ranks better than 93% of 18940 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability88▼-1
Solvency100▲+22
Growth85
Track record94
Bankruptcy probability, 12 months
4.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity ample (current ratio 4.53 against 1.4 in 2023; short-term debt: 16.4% and cash: 15.1% of total assets), and 16.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
55 d late
2023
76 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€166k▲ 53.4%
2023 · €108k
2023: €108k
2023 → 2024
EBIT margin
9.4%▼ 0.5pp
2023 · 9.9%
2023: 9.9%
2023 → 2024
Net result
€12k▲ 16.2%
2023 · €11k
2023: €11k
2023 → 2024
Working capital
€18k▲ 280%
2023 · €5k
2023: €5k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Turnover€108k-€166k▲ 53.4%
Equity€14k-€26k▲ 90.7%
Operating result€11k-€16k▲ 46.3%
Net result€11k-€12k▲ 16.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 46% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €31k
Fixed assets
€8k▼ 10.3%
Current assets
€23k▲ 38.8%
Equity and liabilities €31k
Equity
€26k▲ 90.7%
Debt
€5k▼ 57.2%
The debt ratio falls from 46.6% to 16.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▲
2023 · €13k
Cash flow
€15k▲
2023 · €13k
Solvency
83.6%▲
2023 · 53.4%
Current ratio
4.53▲
2023 · 1.40
Quick ratio
1.81▲
2023 · 0.05
Debt / equity
0.20▼
2023 · 0.87
ROE
47.6%▼
2023 · 78.0%
ROA
39.8%▼
2023 · 41.6%
Interest coverage
159.29▼
2023 · 2282.07
Debt
€5k▼
2023 · €12k
Debt ≤ 1 year
€5k▼
2023 · €12k
Income taxes
€3k▲
2023 · €0
Staff costs
€10k▼
2023 · €17k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€26k€31k▲
Fixed assets21/28€9k€8k▼
Tangible fixed assets22/27€9k€8k▼
Plant, machinery and equipment23€4k€8k▲
Furniture and vehicles24€5k-
Current assets29/58€17k€23k▲
Stocks and contracts in progress3€16k€14k▼
Stocks30/36€16k€14k▼
Amounts receivable within one year40/41€242€5k▲
Trade receivables40-€4k
Other amounts receivable41€242€196▼
Cash at bank and in hand54/58€304€5k▲
Equity and liabilities
Total equity and liabilities10/49€26k€31k▲
Equity10/15€14k€26k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€11k€23k▲
Amounts payable17/49€12k€5k▼
Amounts payable within one year42/48€12k€5k▼
Trade debts44€5k€543▼
Suppliers440/4€5k€543▼
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€2k€4k▲
Remuneration and social security454/9€5k-
Other amounts payable47/48€356€356=
Income statement
Code20232024
Turnover70€108k€166k▲
Goods, raw materials, services and sundry goods60/61€79k€138k▲
Remuneration, social security and pensions62€17k€10k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Gross operating margin9900€30k€28k▼
Operating profit (loss)9901€11k€16k▲
Financial charges65/66B€6€114▲
Recurring financial charges65€6€114▲
Profit (loss) for the period before taxes9903€11k€15k▲
Income taxes67/77€0€3k▲
Profit (loss) for the period9904€11k€12k▲
Profit (loss) for the period to be appropriated9905€11k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€23k▲
Profit (loss) brought forward from the previous period14P-€11k
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
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 4.53
Current ratio from 1.40 to 4.53; short-term debt falls from €12k to €5k.
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 76 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Charleroi · 1 establishment unit since 2023
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 Albert Camus 56031 CharleroiGround area
190 m²
Building footprint
68 m²
Volume, LiDAR
654 m³
Parcel 52047B0158/00H000, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SEMATI
since 20232.343.237.116
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52047B0158/00H000 | Wallonia | 190 m² | 1 · 68 m² | 10.8 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.343.237.116
Similar companies · same sector, comparable size
SET EVENT
BE 0777.778.068
Villers-la-Ville · Eq €26k
CHEZ LUIGI & CHRISTELLE
BE 0689.919.725
Morlanwelz · Eq €26k
PLAZA MG
BE 0895.726.605
De Panne · Eq €26k
BRASSERIES NOVA
BE 0643.622.219
Sint-Gillis (bij-Brussel) · Eq €26k
FRITERIE DU COIN MORLANWELZ
BE 0793.215.223
Morlanwelz · Eq €26k
Of 21,904 companies in sector 56112 we hold annual accounts for 9,781. 8,308 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2023
Fiscal year end31-12
Trade name FR
L'AROMATICO
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.