SEVA PROJECTS
ActiveSEVA PROJECTS has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €10k. Equity is growing by ~22.2% per year across the filed fiscal years. Its solvency ranks better than 18% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 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
Profitability65▼-29
Solvency37▼-33
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 3.4 against 4.04 in 2024; short-term debt: 29.4% and cash: 30.1% of total assets), but 87.6% 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 →
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
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
12.4%
Return on assets
3.2%
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 18% of 31642 sector peers (2025).
NBB · sector comparisonPosition among 31642 sector peers
Solvency
better than 18%
← weakest
strongest →
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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
57 d late
2022
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▼ 50.3%
2024 · €79k
2022: €30k
2023: €45k
2024: €79k
2022 → 2025
Total assets
€319k▲ 82.5%
2024 · €175k
2022: €107k
2023: €100k
2024: €175k
2022 → 2025
Net result
€10k▼ 71.2%
2024 · €35k
2022: €27k
2023: €16k
2024: €35k
2022 → 2025
Working capital
€225k▲ 73.8%
2024 · €129k
2022: €25k
2023: €43k
2024: €129k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€30k-€45k▲ 52.2%€79k▲ 76.2%€39k▼ 50.3%
Operating result€36k-€24k▼ 33.4%€48k▲ 101%€19k▼ 60.6%
Net result€27k-€16k▼ 38.8%€35k▲ 116%€10k▼ 71.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 61% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €319k
Equity
€39k▼ 50.3%
Debt
€279k▲ 193%
The debt ratio rises from 54.6% to 87.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€21k▼
2024 · €58k
Cash flow
€13k▼
2024 · €45k
Solvency
12.4%▼
2024 · 45.4%
Current ratio
3.40▼
2024 · 4.04
Quick ratio
1.50▲
2024 · 1.10
Debt / equity
7.09▲
2024 · 1.20
ROE
25.7%▼
2024 · 44.3%
ROA
3.2%▼
2024 · 20.1%
Interest coverage
5.08▼
2024 · 55.45
Debt
€279k▲
2024 · €95k
Debt ≤ 1 year
€94k▲
2024 · €43k
Debt > 1 year
€186k▲
2024 · €53k
Income taxes
€5k▼
2024 · €12k
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€175k€319k▲
Fixed assets21/28€3k€0▼
Tangible fixed assets22/27€3k€0▼
Furniture and vehicles24€3k€0▼
Current assets29/58€172k€319k▲
Stocks and contracts in progress3€125k€178k▲
Stocks30/36€125k€178k▲
Amounts receivable within one year40/41€15k€22k▲
Trade receivables40€14k€22k▲
Other amounts receivable41€1k€413▼
Cash at bank and in hand54/58€4k€96k▲
Deferred charges and accrued income490/1€28k€23k▼
Equity and liabilities
Total equity and liabilities10/49€175k€319k▲
Equity10/15€79k€39k▼
Contributions10/11€3k€3k=
Reserves13€76k€36k▼
Distributable reserves133€76k€36k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€95k€279k▲
Amounts payable after more than one year17€53k€186k▲
Financial debts170/4€53k€186k▲
Amounts payable within one year42/48€43k€94k▲
Current portion of amounts payable after more than one year42€8k€13k▲
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€18k€18k▼
Taxes450/3€18k€18k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€14k€57k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€3k▼
Other operating charges640/8€7k€2k▼
Gross operating margin9900€65k€23k▼
Operating profit (loss)9901€48k€19k▼
Financial income75/76B€228€158▼
Recurring financial income75€228€158▼
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€47k€15k▼
Income taxes67/77€12k€5k▼
Profit (loss) for the period9904€35k€10k▼
Profit (loss) for the period to be appropriated9905€35k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€51k€10k▼
Profit (loss) brought forward from the previous period14P€15k€0▼
Transfer from equity791/2-€40k
Transfer to equity691/2€50k€0▼
To other reserves6921€50k€0▼
Profit to be distributed694/7€833€50k▲
Return on contributions (dividend)694€833€50k▲
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €10k ▼71.2%
Net result drops to €10k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2022net €35k ▲116%
Operating result €48k, net result €35k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.04
Current ratio from 1.95 to 4.04; short-term debt falls from €45k to €43k.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 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, Brugge · 1 establishment unit since 2022
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.
Blauwvoetstraat 118310 BruggeGround area
287 m²
Building footprint
106 m²
Volume, LiDAR
571 m³
Parcel 31002A0148/00X002, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SEVA PROJECTS
since 20222.326.858.269
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31002A0148/00X002 | Flanders | 287 m² | 1 · 106 m² | 9.1 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.
Similar companies · same sector, comparable size
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Wel4Care
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JVHerve Management
BE 0768.653.140
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HV Compliance Services
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 36,587 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47551Retail sale of household furniture
47591Retail trade
70210Activities of head offices; management consultancy activities
73200Market research and public opinion polling
73300Public relations and communication consultancy
77110Renting and leasing of cars and light motor vehicles
77393Rental and leasing activities
95240Repair and maintenance of furniture and upholstery
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.