Setra & Co
ActiveThe computed 12-month bankruptcy probability of Setra & Co is 1.6% (moderate). The 2025 annual accounts show equity of €78k and a net result of €-2k. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 4488 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-9
Solvency91▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.68 against 2.72 in 2024; short-term debt: 32.1% and cash: 36.9% of total assets), and 33.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 49
Relative position
BE, all sectors
reference
Sector 49
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.3%
Return on assets
-1.7%
Age of the figures
9 mo
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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
22 d early
2023
24 d late
2022
22 d late
2021
23 d late
2020
16 d late
2019
31 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▼ 2.5%
2024 · €80k
2018: €14k
2019: €28k
2020: €40k
2021: €45k
2022: €75k
2023: €73k
2024: €80k
2018 → 2025
Total assets
€117k▼ 6.3%
2024 · €125k
2018: €188k
2019: €163k
2020: €145k
2021: €126k
2022: €142k
2023: €125k
2024: €125k
2018 → 2025
Net result
€-2k
2024 · €7k
2018: €-4k
2019: €14k
2020: €12k
2021: €6k
2022: €30k
2023: €-3k
2024: €7k
2018 → 2025
Working capital
€63k▲ 3.1%
2024 · €61k
2018: €-77k
2019: €23k
2020: €34k
2021: €34k
2022: €63k
2023: €62k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€75k▲ 66.3%€73k▼ 3.6%€80k▲ 9.8%€78k▼ 2.5%
Operating result€9k-€38k▲ 327%€-1k€10k€-1k
Net result€6k-€30k▲ 439%€-3k€7k€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €10k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€16k▼ 41.6%
Current assets
€101k▲ 3.9%
Equity and liabilities €117k
Equity
€78k▼ 2.5%
Debt
€40k▼ 13.0%
The debt ratio falls from 36.3% to 33.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €19k
Cash flow
€10k▼
2024 · €16k
Solvency
66.3%▲
2024 · 63.7%
Current ratio
2.68▼
2024 · 2.72
Quick ratio
2.68▼
2024 · 2.72
Debt / equity
0.51▼
2024 · 0.57
ROE
-2.6%▼
2024 · 8.9%
ROA
-1.7%▼
2024 · 5.7%
Interest coverage
13.88▼
2024 · 16.29
Debt
€40k▼
2024 · €46k
Debt ≤ 1 year
€38k▲
2024 · €36k
Debt > 1 year
€2k▼
2024 · €10k
Income taxes
€22▼
2024 · €2k
Staff costs
€73k▲
2024 · €52k
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€125k€117k▼
Fixed assets21/28€28k€16k▼
Tangible fixed assets22/27€28k€16k▼
Plant, machinery and equipment23€790€465▼
Furniture and vehicles24€27k€16k▼
Current assets29/58€97k€101k▲
Amounts receivable within one year40/41€52k€57k▲
Trade receivables40€52k€48k▼
Other amounts receivable41-€9k
Cash at bank and in hand54/58€44k€43k▼
Deferred charges and accrued income490/1€889€275▼
Equity and liabilities
Total equity and liabilities10/49€125k€117k▼
Equity10/15€80k€78k▼
Contributions10/11€19k€19k=
Reserves13€61k€59k▼
Distributable reserves133€61k€59k▼
Amounts payable17/49€46k€40k▼
Amounts payable after more than one year17€10k€2k▼
Financial debts170/4€10k€2k▼
Amounts payable within one year42/48€36k€38k▲
Current portion of amounts payable after more than one year42€11k€8k▼
Trade debts44€10k€20k▲
Suppliers440/4€10k€20k▲
Taxes, remuneration and social security45€14k€10k▼
Taxes450/3€8k€4k▼
Remuneration and social security454/9€6k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€52k€73k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€12k▲
Other operating charges640/8€25k€1k▼
Gross operating margin9900€96k€85k▼
Operating profit (loss)9901€10k€-1k▼
Financial income75/76B€2€142▲
Recurring financial income75€2€142▲
Financial charges65/66B€1k€744▼
Recurring financial charges65€1k€744▼
Profit (loss) for the period before taxes9903€9k€-2k▼
Income taxes67/77€2k€22▼
Profit (loss) for the period9904€7k€-2k▼
Profit (loss) for the period to be appropriated9905€7k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-2k▼
Transfer from equity791/2-€2k
Transfer to equity691/2€7k-
To other reserves6921€7k-
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Highest result since 2018net €30k ▲439%
Operating result €38k, net result €30k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.40
Current ratio from 0.56 to 1.40; short-term debt falls from €173k to €58k.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Berlaar · 1 establishment unit since 2018
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.
Bastijnstraat 1252590 BerlaarGround area
552 m²
Building footprint
243 m²
Volume, LiDAR
1,066 m³
Parcel 12002A0592/00G000, Flanders · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Setra & Co BV
since 20182.275.955.243
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12002A0592/00G000 | Flanders | 552 m² | 1 · 243 m² | 6.8 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 460 EUR awarded · 460 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 128 EUR | 128 EUR |
| 2024 | 1 | 117 EUR | 117 EUR |
| 2023 | 1 | 110 EUR | 110 EUR |
| 2022 | 1 | 105 EUR | 105 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,195. 6,258 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2018
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.