SEMSPEED
ActiveSummary
SEMSPEED has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €196,068 and a net result of -€31,941. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 85% of 2601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability53=
Solvency100▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14,000 at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.46 in 2024; short-term debt: 22.2% and cash: 24.5% of total assets), and 22.2% of the assets are financed with debt.
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Signals
Five 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 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← 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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€31,941
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
24 d late
2023
13 d early
2022
4 d early
2021
30 d early
2020
24 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 2 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 27 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€196,068▼ 14.0%
2024 · €228,008
Total assets
€252,103▼ 21.2%
2024 · €319,774
Net result
-€31,941▲ 19.0%
2024 · -€39,435
Working capital
€32,276▼ 23.8%
2024 · €42,350
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€6,691▲ 5.9%€159,144▲ 2,278%€193,385▲ 21.5%-€39,806-€32,168▲ 19.2%
Net result€5,910within the sector's middle half▲ 7.3%€126,546above the sector's middle half▲ 2,041%€132,185above the sector's middle half▲ 4.5%-€39,435below the sector's middle half-€31,941below the sector's middle half▲ 19.0%
Equity€8,713within the sector's middle half▲ 211%€135,259above the sector's middle half▲ 1,452%€267,444above the sector's middle half▲ 97.7%€228,008above the sector's middle half▼ 14.7%€196,068above the sector's middle half▼ 14.0%
Total assets€178,757within the sector's middle half▲ 16.2%€357,940above the sector's middle half▲ 100%€283,494within the sector's middle half▼ 20.8%€319,774within the sector's middle half▲ 12.8%€252,103within the sector's middle half▼ 21.2%
Debt€170,044▲ 12.6%€222,681▲ 31.0%€16,051▼ 92.8%€91,766▲ 472%€56,036▼ 38.9%
Working capital€21,280within the sector's middle half▲ 128%€152,517above the sector's middle half▲ 617%€161,993above the sector's middle half▲ 6.2%€42,350within the sector's middle half▼ 73.9%€32,276within the sector's middle half▼ 23.8%
Solvency4.9%below the sector's middle half▲ 3.1pp37.8%within the sector's middle half▲ 32.9pp94.3%above the sector's middle half▲ 56.6pp71.3%above the sector's middle half▼ 23.0pp77.8%above the sector's middle half▲ 6.5pp
Current ratio1.14within the sector's middle half▲ 0.071.75within the sector's middle half▲ 0.6111.09above the sector's middle half▲ 9.351.46within the sector's middle half▼ 9.631.58within the sector's middle half▲ 0.11
Return on assets (ROA)3.3%within the sector's middle half▼ 0.3pp35.4%above the sector's middle half▲ 32.0pp46.6%above the sector's middle half▲ 11.3pp-12.3%below the sector's middle half▼ 59.0pp-12.7%below the sector's middle half▼ 0.3pp
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €32,168 in 2025 against €39,806 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €252,103
Fixed assets
€163,791 ▼ 11.8%
Current assets
€88,312 ▼ 34.2%
Equity and liabilities €252,103
Equity
€196,068 ▼ 14.0%
Debt
€56,036 ▼ 38.9%
Debt's share of the balance-sheet total falls from 28.7% to 22.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€70,974▲
2024 · €69,787
Cash flow
€71,202▲
2024 · €70,157
Debt to equity
0.29▼
2024 · 0.40
ROE
-16.3%▲
2024 · -17.3%
Interest coverage
1013.77▼
2024 · 1268.85
Debt ≤ 1 year
€56,036▼
2024 · €91,766
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,815 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.9%
went bankrupt
9.8%
stopped otherwise
88%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,815 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,032 | €4,691 | €48,091 | €109,593 | €103,143 | ▼ 5.9% |
| Other operating charges640/8 | €721 | €886 | €1,204 | €2,309 | €4,231 | ▲ 83.2% |
| Gross operating margin9900 | €13,444 | €164,722 | €242,680 | €72,096 | €75,205 | ▲ 4.3% |
| Operating profit (loss)9901 | €6,691 | €159,144 | €193,385 | -€39,806 | -€32,168 | ▲ 19.2% |
| Financial income75/76B | €2 | €0 | €1,431 | €426 | €298 | ▼ 30.0% |
| Recurring financial income75 | €2 | €0 | €1,431 | €426 | €298 | ▼ 30.0% |
| Financial charges65/66B | €783 | €1,076 | €38 | €55 | €70 | ▲ 27.3% |
| Recurring financial charges65 | €783 | €1,076 | €38 | €55 | €70 | ▲ 27.3% |
| Profit (loss) for the period before taxes9903 | €5,910 | €158,069 | €194,778 | -€39,435 | -€31,941 | ▲ 19.0% |
| Income taxes67/77 | - | €31,523 | €62,593 | - | - | - |
| Profit (loss) for the period9904 | €5,910 | €126,546 | €132,185 | -€39,435 | -€31,941 | ▲ 19.0% |
| Profit (loss) for the period to be appropriated9905 | €5,910 | €126,546 | €132,185 | -€39,435 | -€31,941 | ▲ 19.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €178,757 | €357,940 | €283,494 | €319,774 | €252,103 | ▼ 21.2% |
| Fixed assets21/28 | €6,033 | €1,342 | €105,451 | €185,658 | €163,791 | ▼ 11.8% |
| Tangible fixed assets22/27 | €6,033 | €1,342 | €105,251 | €185,658 | €163,791 | ▼ 11.8% |
| Plant, machinery and equipment23 | €1,964 | €1,342 | €720 | €99 | - | - |
| Furniture and vehicles24 | €4,070 | - | €104,531 | €185,560 | €163,791 | ▼ 11.7% |
| Financial fixed assets28 | - | - | €200 | - | - | - |
| Current assets29/58 | €172,724 | €356,598 | €178,043 | €134,116 | €88,312 | ▼ 34.2% |
| Stocks and contracts in progress3 | - | - | €3,450 | €3,450 | - | - |
| Stocks30/36 | - | - | €3,450 | €3,450 | - | - |
| Amounts receivable within one year40/41 | €5,319 | €8,350 | €20,769 | €14,360 | €26,475 | ▲ 84.4% |
| Trade receivables40 | €4,230 | €2,844 | €15,445 | €12,100 | €20,308 | ▲ 67.8% |
| Other amounts receivable41 | €1,089 | €5,506 | €5,324 | €2,260 | €6,166 | ▲ 173% |
| Cash at bank and in hand54/58 | €165,005 | €348,248 | €153,824 | €116,305 | €61,838 | ▼ 46.8% |
| Deferred charges and accrued income490/1 | €2,400 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €178,757 | €357,940 | €283,494 | €319,774 | €252,103 | ▼ 21.2% |
| Equity10/15 | €8,713 | €135,259 | €267,444 | €228,008 | €196,068 | ▼ 14.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €18,796 | €116,659 | €248,844 | €248,844 | €248,844 | = |
| Non-distributable reserves130/1 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | - | - | - | - | - |
| Distributable reserves133 | €16,936 | €116,659 | €248,844 | €248,844 | €248,844 | = |
| Profit (loss) carried forward14 | -€28,683 | - | - | -€39,435 | -€71,376 | ▼ 81.0% |
| Amounts payable17/49 | €170,044 | €222,681 | €16,051 | €91,766 | €56,036 | ▼ 38.9% |
| Amounts payable after more than one year17 | €18,600 | €18,600 | - | - | - | - |
| Financial debts170/4 | €18,600 | €18,600 | - | - | - | - |
| Amounts payable within one year42/48 | €151,444 | €204,081 | €16,051 | €91,766 | €56,036 | ▼ 38.9% |
| Trade debts44 | €151 | €3,151 | €2,792 | €1,096 | €5,429 | ▲ 395% |
| Suppliers440/4 | €151 | €3,151 | €2,792 | €1,096 | €5,429 | ▲ 395% |
| Advances received on contracts in progress46 | €20,000 | €70,000 | - | €40,000 | - | - |
| Taxes, remuneration and social security45 | €1,382 | €853 | €12,939 | - | €162 | - |
| Taxes450/3 | €1,382 | €853 | €12,939 | - | €162 | - |
| Other amounts payable47/48 | €129,912 | €130,077 | €320 | €50,670 | €50,445 | ▼ 0.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,910 | €126,546 | €132,185 | -€39,435 | -€31,941 | ▲ 19.0% |
| + Depreciation and write-downs630 | €6,032 | €4,691 | €48,091 | €109,593 | €103,143 | ▼ 5.9% |
| Operating cash flow (approximation) | €11,942 | €131,237 | €180,276 | €70,157 | €71,202 | ▲ 1.5% |
| Investment in fixed assets (approximation) | - | €0 | -€152,200 | -€189,800 | -€81,275 | ▲ 57.2% |
| Change in cash | - | €183,243 | -€194,424 | -€37,519 | -€54,468 | ▼ 45.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €132,185 ▲4.5%
Operating result €193,385, net result €132,185, both a record.
31-12
Financial
Liquidity times 6current ratio 11.09
Current ratio from 1.75 to 11.09; short-term debt falls from €204,081 to €16,051.
31-12
Financial
Equity above €200,000Eq €267,444 ▲97.7%
4 profitable years in a row build equity to €267,444.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100,000Eq €135,259 ▲1,452%
3 profitable years in a row build equity to €135,259.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €5,511
Net result €5,511 after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Weakest financial yearnet -€77,187
Net result drops to -€77,187, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
01-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Hensies · 1 establishment unit since 2013
Ground area
8,105 m²
Building footprint
472 m²
Volume, LiDAR
3,923 m³
Parcel 53076A0563/00C000, Wallonia · tallest building 14.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SEMSPEED
since 20132.217.113.162
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53076A0563/00C000 | Wallonia | 8,105 m² | 1 · 472 m² | 14.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,378 companies in sector 95311 we hold annual accounts for 2,962. 2,327 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-01-2013
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0502574222
Registered
01-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.