SEVA
ActiveSEVA has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.41M and a net result of €391k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 24% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▲+4
Solvency47▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity short (current ratio 0.16 against 0.1 in 2024; short-term debt: 12.3% and cash: 0.1% of total assets), and 78.3% 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 →
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
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
21.7%
Return on assets
6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 31540 sector peers (2025).
NBB · sector comparisonPosition among 31540 sector peers
Solvency
better than 24%
← weakest
strongest →
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 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
31 d early
2023
30 d late
2022
34 d early
2021
19 d early
2020
31 d late
2019
61 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
€1.41M▲ 38.3%
2024 · €1.02M
2018: €838k
2019: €876k
2020: €841k
2021: €907k
2022: €899k
2023: €917k
2024: €1.02M
2018 → 2025
Total assets
€6.51M▼ 3.4%
2024 · €6.74M
2018: €4.76M
2019: €5.34M
2020: €7.57M
2021: €7.52M
2022: €7.28M
2023: €7.11M
2024: €6.74M
2018 → 2025
Net result
€391k▼ 14.1%
2024 · €455k
2018: €70k
2019: €37k
2020: €-34k
2021: €65k
2022: €-7k
2023: €17k
2024: €455k
2018 → 2025
Working capital
€-676k▲ 27.4%
2024 · €-932k
2018: €-516k
2019: €-603k
2020: €-1.02M
2021: €-998k
2022: €-1.06M
2023: €-945k
2024: €-932k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€907k-€899k▼ 0.8%€917k▲ 1.9%€1.02M▲ 11.3%€1.41M▲ 38.3%
Operating result€225k-€163k▼ 27.8%€173k▲ 6.2%€218k▲ 26.5%€255k▲ 16.7%
Net result€65k-€-7k€17k€455k▲ 2,505%€391k▼ 14.1%
Turnover and EBIT margin not published: the abbreviated or 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 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.51M
Fixed assets
€6.38M▼ 3.9%
Current assets
€127k▲ 26.6%
Equity and liabilities €6.51M
Equity
€1.41M▲ 38.3%
Debt
€5.10M▼ 10.9%
The debt ratio falls from 84.9% to 78.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€518k▲
2024 · €507k
Cash flow
€654k▼
2024 · €743k
Solvency
21.7%▲
2024 · 15.1%
Current ratio
0.16▲
2024 · 0.10
Quick ratio
0.16▲
2024 · 0.10
Debt / equity
3.61▼
2024 · 5.61
ROE
27.7%▼
2024 · 44.6%
ROA
6.0%▼
2024 · 6.7%
Interest coverage
3.93▲
2024 · 3.37
Debt
€5.10M▼
2024 · €5.72M
Debt ≤ 1 year
€804k▼
2024 · €1.03M
Debt > 1 year
€4.29M▼
2024 · €4.68M
Income taxes
€32k▲
2024 · €10k
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€6.74M€6.51M▼
Fixed assets21/28€6.64M€6.38M▼
Tangible fixed assets22/27€6.44M€6.18M▼
Land and buildings22€6.44M€6.18M▼
Financial fixed assets28€198k€198k=
Current assets29/58€101k€127k▲
Amounts receivable within one year40/41€93k€121k▲
Trade receivables40€90k€93k▲
Other amounts receivable41€3k€28k▲
Cash at bank and in hand54/58€6k€6k▼
Deferred charges and accrued income490/1€2k€503▼
Equity and liabilities
Total equity and liabilities10/49€6.74M€6.51M▼
Equity10/15€1.02M€1.41M▲
Contributions10/11€31k€31k=
Reserves13€990k€1.38M▲
Distributable reserves133€990k€1.38M▲
Amounts payable17/49€5.72M€5.10M▼
Amounts payable after more than one year17€4.68M€4.29M▼
Financial debts170/4€4.68M€4.29M▼
Amounts payable within one year42/48€1.03M€804k▼
Current portion of amounts payable after more than one year42€382k€393k▲
Financial debts43€13k€7k▼
Credit institutions430/8€13k€904▼
Other loans439-€6k
Trade debts44€784€15k▲
Suppliers440/4€784€15k▲
Taxes, remuneration and social security45€10k€22k▲
Taxes450/3€10k€22k▲
Other amounts payable47/48€626k€367k▼
Accrued charges and deferred income492/3€11k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€288k€263k▼
Other operating charges640/8€31k€35k▲
Gross operating margin9900€537k€553k▲
Operating profit (loss)9901€218k€255k▲
Financial income75/76B€397k€300k▼
Recurring financial income75€397k€300k▼
Financial charges65/66B€150k€132k▼
Recurring financial charges65€150k€132k▼
Profit (loss) for the period before taxes9903€465k€423k▼
Income taxes67/77€10k€32k▲
Profit (loss) for the period9904€455k€391k▼
Profit (loss) for the period to be appropriated9905€455k€391k▼
Appropriation of the result
Profit (loss) to be appropriated9906€455k€391k▼
Transfer to equity691/2€455k€391k▼
To other reserves6921€455k€391k▼
The notes to these accounts (8 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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €455k ▲2505%
Net result €455k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.02M ▲11.3%
2 profitable years in a row build equity to €1.02M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €65k
Net result €65k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-34k ▼192%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 61 days late
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Heusden-Zolder · 1 establishment unit since 1989
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.
Chrisantenlaan 83550 Heusden-ZolderGround area
2,036 m²
Building footprint
214 m²
Volume, LiDAR
1,064 m³
Parcel 71462C0068/00W002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NV SEVA
since 19892.045.663.583
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71462C0068/00W002 | Flanders | 2,036 m² | 1 · 214 m² | 8.4 m · 2 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.
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BOEKHOUDKANTOOR CUYVERS-SMETS
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 24,042 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-1988
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.