SEVALO
ActiveSummary
SEVALO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €190k and a net result of €85k. Equity is growing by ~50.2% per year across the filed fiscal years. Its solvency ranks better than 76% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+5
Solvency100▲+8
Growth85▲+44
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 3.85 against 3.18 in 2024; short-term debt: 18% and cash: 7.6% of total assets), and 18.4% of the assets are financed with debt.
Credit check for your own amount and term
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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
81.6%
Return on assets
36.4%
Age of the figures
9 mo
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 21-05-2026, 71 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
71 d early
2024
64 d early
2023
56 d early
2022
49 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€234k▲ 59.0%
2024 · €147k
2023: €155k
2024: €147k▼ -4.9% vs 2023lowest in 3 years
2025: €234k▲ +59.0% vs 2024highest in 3 years
2023 → 2025
EBIT margin
50.8%▲ 21.8pp
2024 · 29.0%
2023: 21.8%lowest in 3 years
2024: 29.0%▲ +33.2% vs 2023
2025: 50.8%▲ +75.0% vs 2024highest in 3 years
2023 → 2025
Net result
€85k▲ 185%
2024 · €30k
2022: €49k
2023: €24k▼ -51.6% vs 2022lowest in 4 years
2024: €30k▲ +25.4% vs 2023
2025: €85k▲ +185% vs 2024highest in 4 years
2022 → 2025
Working capital
€120k▲ 45.8%
2024 · €82k
2022: €28klowest in 4 years
2023: €50k▲ +75.9% vs 2022
2024: €82k▲ +65.6% vs 2023
2025: €120k▲ +45.8% vs 2024highest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€155k€147k▼ 4.9%€234k▲ 59.0%
2023: €155k
2024: €147k▼ -4.9% vs 2023lowest in 3 years
2025: €234k▲ +59.0% vs 2024highest in 3 years
Equity€52k-€75k▲ 46.0%€105k▲ 39.5%€190k▲ 80.7%
2022: €52klowest in 4 years
2023: €75k▲ +46.0% vs 2022
2024: €105k▲ +39.5% vs 2023
2025: €190k▲ +80.7% vs 2024highest in 4 years
Operating result€70k-€34k▼ 51.9%€43k▲ 26.7%€119k▲ 178%
2022: €70k
2023: €34k▼ -51.9% vs 2022lowest in 4 years
2024: €43k▲ +26.7% vs 2023
2025: €119k▲ +178% vs 2024highest in 4 years
Net result€49k-€24k▼ 51.6%€30k▲ 25.4%€85k▲ 185%
2022: €49k
2023: €24k▼ -51.6% vs 2022lowest in 4 years
2024: €30k▲ +25.4% vs 2023
2025: €85k▲ +185% vs 2024highest in 4 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 178% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €233k
Fixed assets
€72k ▲ 94.2%
Current assets
€162k ▲ 35.0%
Equity and liabilities €233k
Equity
€190k ▲ 80.7%
Debt
€43k ▼ 16.1%
Debt's share of the balance-sheet total falls from 32.8% to 18.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€134k▲
2024 · €58k
Cash flow
€100k▲
2024 · €45k
Current ratio
3.85▲
2024 · 3.18
Debt to equity
0.23▼
2024 · 0.49
ROE
44.7%▲
2024 · 28.3%
ROA
36.4%▲
2024 · 19.0%
Interest coverage
131.05▲
2024 · 50.81
Debt ≤ 1 year
€42k▲
2024 · €38k
Debt > 1 year
€1k▼
2024 · €14k
Income taxes
€33k▲
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€157k€233k▲
Fixed assets21/28€37k€72k▲
Tangible fixed assets22/27€37k€60k▲
Plant, machinery and equipment23€464€236▼
Furniture and vehicles24€36k€59k▲
Financial fixed assets28€55€12k▲
Current assets29/58€120k€162k▲
Amounts receivable within one year40/41€36k€44k▲
Trade receivables40€22k€27k▲
Other amounts receivable41€14k€17k▲
Current investments50/53-€100k
Cash at bank and in hand54/58€84k€18k▼
Deferred charges and accrued income490/1-€57
Equity and liabilities
Total equity and liabilities10/49€157k€233k▲
Equity10/15€105k€190k▲
Contributions10/11€3k€3k=
Reserves13€103k€188k▲
Distributable reserves133€103k€188k▲
Amounts payable17/49€51k€43k▼
Amounts payable after more than one year17€14k€1k▼
Financial debts170/4€14k€1k▼
Amounts payable within one year42/48€38k€42k▲
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44€12k€941▼
Suppliers440/4€12k€941▼
Taxes, remuneration and social security45€14k€28k▲
Taxes450/3€14k€28k▲
Income statement
Code20242025
Turnover70€147k€234k▲
Non-recurring operating income76A-€6k
Goods, raw materials, services and sundry goods60/61€95k€114k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼
Other operating charges640/8€365€319▼
Gross operating margin9900€58k€134k▲
Operating profit (loss)9901€43k€119k▲
Financial income75/76B€615€10▼
Recurring financial income75€615€10▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€42k€118k▲
Income taxes67/77€12k€33k▲
Profit (loss) for the period9904€30k€85k▲
Profit (loss) for the period to be appropriated9905€30k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€85k▲
Transfer to equity691/2€30k€85k▲
To other reserves6921€30k€85k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Turnover70 | - | €155k | €147k | €234k | ▲ 59.0% |
| Non-recurring operating income76A | - | - | - | €6k | - |
| Goods, raw materials, services and sundry goods60/61 | - | €113k | €95k | €114k | ▲ 19.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14k | €15k | €15k | €15k | ▼ 3.0% |
| Other operating charges640/8 | €442 | €302 | €365 | €319 | ▼ 12.6% |
| Gross operating margin9900 | €85k | €49k | €58k | €134k | ▲ 130% |
| Operating profit (loss)9901 | €70k | €34k | €43k | €119k | ▲ 178% |
| Financial income75/76B | €3 | €221 | €615 | €10 | ▼ 98.4% |
| Recurring financial income75 | €3 | €221 | €615 | €10 | ▼ 98.4% |
| Financial charges65/66B | €792 | €1k | €1k | €1k | ▼ 10.5% |
| Recurring financial charges65 | €792 | €1k | €1k | €1k | ▼ 10.5% |
| Profit (loss) for the period before taxes9903 | €69k | €33k | €42k | €118k | ▲ 179% |
| Income taxes67/77 | €20k | €9k | €12k | €33k | ▲ 165% |
| Profit (loss) for the period9904 | €49k | €24k | €30k | €85k | ▲ 185% |
| Profit (loss) for the period to be appropriated9905 | €49k | €24k | €30k | €85k | ▲ 185% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €167k | €147k | €157k | €233k | ▲ 49.0% |
| Fixed assets21/28 | €62k | €52k | €37k | €72k | ▲ 94.2% |
| Tangible fixed assets22/27 | €62k | €52k | €37k | €60k | ▲ 61.8% |
| Plant, machinery and equipment23 | €920 | €692 | €464 | €236 | ▼ 49.2% |
| Furniture and vehicles24 | €61k | €51k | €36k | €59k | ▲ 63.2% |
| Financial fixed assets28 | €55 | €55 | €55 | €12k | ▲ 21,818% |
| Current assets29/58 | €105k | €95k | €120k | €162k | ▲ 35.0% |
| Amounts receivable within one year40/41 | €91k | €709 | €36k | €44k | ▲ 23.4% |
| Trade receivables40 | €91k | €660 | €22k | €27k | ▲ 22.0% |
| Other amounts receivable41 | €18 | €49 | €14k | €17k | ▲ 25.5% |
| Current investments50/53 | - | - | - | €100k | - |
| Cash at bank and in hand54/58 | €14k | €54k | €84k | €18k | ▼ 79.0% |
| Deferred charges and accrued income490/1 | - | €40k | - | €57 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €167k | €147k | €157k | €233k | ▲ 49.0% |
| Equity10/15 | €52k | €75k | €105k | €190k | ▲ 80.7% |
| Contributions10/11 | €3k | €3k | €3k | €3k | = |
| Capital10 | €3k | €3k | - | - | - |
| Issued capital100 | €3k | €3k | - | - | - |
| Reserves13 | €49k | €73k | €103k | €188k | ▲ 82.7% |
| Non-distributable reserves130/1 | €250 | €250 | - | - | - |
| Legal reserve130 | €250 | €250 | - | - | - |
| Distributable reserves133 | €49k | €73k | €103k | €188k | ▲ 82.7% |
| Amounts payable17/49 | €115k | €71k | €51k | €43k | ▼ 16.1% |
| Amounts payable after more than one year17 | €39k | €26k | €14k | €1k | ▼ 92.3% |
| Financial debts170/4 | €39k | €26k | €14k | €1k | ▼ 92.3% |
| Amounts payable within one year42/48 | €77k | €45k | €38k | €42k | ▲ 11.6% |
| Current portion of amounts payable after more than one year42 | €12k | €12k | €12k | €13k | ▲ 1.2% |
| Trade debts44 | €4k | €6k | €12k | €941 | ▼ 91.8% |
| Suppliers440/4 | €4k | €6k | €12k | €941 | ▼ 91.8% |
| Taxes, remuneration and social security45 | €39k | €17k | €14k | €28k | ▲ 109% |
| Taxes450/3 | €39k | €13k | €14k | €28k | ▲ 109% |
| Remuneration and social security454/9 | - | €3k | - | - | - |
| Other amounts payable47/48 | €22k | €10k | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €49k | €24k | €30k | €85k | ▲ 185% |
| + Depreciation and write-downs630 | €14k | €15k | €15k | €15k | ▼ 3.0% |
| Operating cash flow (approximation) | €64k | €39k | €45k | €100k | ▲ 122% |
| Investment in fixed assets (approximation) | - | €-5k | €0 | €-50k | - |
| Change in cash | - | €40k | €30k | €-66k | ▼ 321% |
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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €85k ▲185%
Operating result €119k, net result €85k, both a record.
31-12
Financial
Equity above €150kEq €190k ▲80.7%
4 profitable years in a row build equity to €190k.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €105k ▲39.5%
3 profitable years in a row build equity to €105k.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €24k ▼51.6%
Net result drops to €24k, the lowest in the series; recovery starts the following year.
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Destelbergen · 1 establishment unit since 2022
Ground area
846 m²
Building footprint
181 m²
Volume, LiDAR
696 m³
Parcel 44028D0083/00N002, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SEVALO
since 20222.325.696.348
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44028D0083/00N002 | Flanders | 846 m² | 1 · 181 m² | 9.9 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 1,965 EUR awarded · 1,965 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,020 EUR | 1,020 EUR |
| 2023 | 1 | 945 EUR | 945 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 14,851 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
Founded23-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
64210Activities of holding companies
Contact
E-mail
sebastien@sevalo.be
Phone
0473620393
Scores and ratios are computed by Checked and are not a credit decision.