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SEREMA

Active
Private limited companyfounded 20242 yrs activeOude Straat(STE) 37, 9190 Stekene, BelgiumKBO/BCE: BE 1007.602.940
Summary

SEREMA has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91,042 and a net result of €89,042. Its solvency ranks better than 62% of 32629 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2025
Axes
Profitability100
Solvency93
Growth-
Track record67
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.59; short-term debt: 32.1% and cash: 33.4% of total assets), and 32.1% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Four 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
67.9%
Return on assets
66.4%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-10-2025, 4 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
4 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

SEREMA was incorporated on 26 March 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity
€91,042
Total assets
€134,028
Net result
€89,042
Working capital
€68,453

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €134,028
Fixed assets €22,589
Current assets €111,439
Equity and liabilities €134,028
Equity €91,042
Debt €42,986
Debt finances 32.1% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€127,410
Cash flow
€91,453
Current ratio
2.59
Debt to equity
0.47
ROE
97.8%
ROA
66.4%
Interest coverage
254.93
Debt ≤ 1 year
€42,986
Income taxes
€36,026

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.4% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 39,278 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
Filed annual accounts As filed with the NBB · 2025 · 36 lines
Balance sheet Code2025
Assets
Total assets20/58€134,028
Fixed assets21/28€22,589
Tangible fixed assets22/27€22,589
Furniture and vehicles24€22,589
Current assets29/58€111,439
Amounts receivable within one year40/41€36,667
Trade receivables40€36,667
Current investments50/53€29,945
Cash at bank and in hand54/58€44,827
Equity and liabilities
Total equity and liabilities10/49€134,028
Equity10/15€91,042
Contributions10/11€2,000
Reserves13€89,042
Distributable reserves133€89,042
Amounts payable17/49€42,986
Amounts payable within one year42/48€42,986
Trade debts44€1,609
Suppliers440/4€1,609
Taxes, remuneration and social security45€40,914
Taxes450/3€40,914
Other amounts payable47/48€463
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,411
Other operating charges640/8€437
Gross operating margin9900€127,848
Operating profit (loss)9901€124,999
Financial income75/76B€569
Recurring financial income75€569
Financial charges65/66B€500
Recurring financial charges65€500
Profit (loss) for the period before taxes9903€125,068
Income taxes67/77€36,026
Profit (loss) for the period9904€89,042
Profit (loss) for the period to be appropriated9905€89,042
Appropriation of the result
Profit (loss) to be appropriated9906€89,042
Transfer to equity691/2€89,042
To other reserves6921€89,042

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,411
Other operating charges640/8€437
Gross operating margin9900€127,848
Operating profit (loss)9901€124,999
Financial income75/76B€569
Recurring financial income75€569
Financial charges65/66B€500
Recurring financial charges65€500
Profit (loss) for the period before taxes9903€125,068
Income taxes67/77€36,026
Profit (loss) for the period9904€89,042
Profit (loss) for the period to be appropriated9905€89,042
Line2025
Assets
Total assets20/58€134,028
Fixed assets21/28€22,589
Tangible fixed assets22/27€22,589
Furniture and vehicles24€22,589
Current assets29/58€111,439
Amounts receivable within one year40/41€36,667
Trade receivables40€36,667
Current investments50/53€29,945
Cash at bank and in hand54/58€44,827
Equity and liabilities
Total equity and liabilities10/49€134,028
Equity10/15€91,042
Contributions10/11€2,000
Reserves13€89,042
Distributable reserves133€89,042
Amounts payable17/49€42,986
Amounts payable within one year42/48€42,986
Trade debts44€1,609
Suppliers440/4€1,609
Taxes, remuneration and social security45€40,914
Taxes450/3€40,914
Other amounts payable47/48€463
Line2025
Profit (loss) for the period9904€89,042
+ Depreciation and write-downs630€2,411
Operating cash flow (approximation)€91,453

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
09-09
State Gazette act Board meeting · Director appointment
Permanent representative
04-09
State Gazette act Incorporation · Founding capital
Capital · Other statement
13-08
State Gazette act General meeting · Director appointment
Permanent representative · Director resignation
25-06
State Gazette act General meeting · Director resignation
Permanent representative · Director appointment
09-06
State Gazette act Board meeting · Merger
Director in office · Permanent representative
09-06
State Gazette act Board meeting · Merger
Board composition · Permanent representative
08-06
State Gazette act Director resignation · Director appointment
Board meeting
22-05
State Gazette act Merger · Board meeting
General meeting · Shareholding
22-05
State Gazette act Merger · Shareholding
Board meeting · General meeting
22-05
State Gazette act Other statement · Merger
Name clause · Corporate purpose
22-05
State Gazette act Other statement · Board meeting
General meeting · Shareholding
20-05
State Gazette act General meeting · Director resignation
Permanent representative · Director appointment
Show earlier events
20-05
State Gazette act Corporate purpose · Accounting effect
Other statement · Statutes amendment
18-05
State Gazette act General meeting · Director resignation
Permanent representative · Director appointment
08-05
State Gazette act Merger · Board composition
Shareholding · Other statement
08-05
State Gazette act Board meeting · Merger
Board composition · Permanent representative
05-05
State Gazette act Merger · Director in office
Permanent representative · Shareholding
05-05
State Gazette act Merger · Director in office
Permanent representative · Shareholding
2025
27-10
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
State Gazette actNBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Stekene · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
1,094 m²
Building footprint
177 m²
Volume, LiDAR
868 m³
Parcel 46322C0228/00E000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SEREMA
Oude Straat(STE) 37, 9190 StekeneFinancial service activities, except insurance and pension funding
since 20242.359.275.966
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46322C0228/00E000 Flanders 1,094 m² 1 · 177 m² 8.7 m · 2 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.

Structure & network

Connections & network

Depth

The group is listed under Ownership & control below; here you explore it as a network.

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Ownership & control

5 board mandates
Board mandates of this companythis company sits on their board5

Similar companies · same sector, comparable size

Of 82,601 companies in this sector we hold annual accounts for 52,629. 40,469 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded26-03-2024
Fiscal year end31-03
Activities, NACEBEL 2025
70200Business and other management consultancy
66220Insurance agents and brokers
Contact
E-mail seppe.sijmons@induver.be
E-invoicing
Reachable via Peppol
Peppol ID 0208:1007602940
Also 9925:BE1007602940
Registered 04-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.