SEVAN JANSSENS TRADING
ActiveThe computed 12-month bankruptcy probability of SEVAN JANSSENS TRADING is 1.7% (moderate). The 2025 annual accounts show equity of €36k and a net result of €-15k. Equity is growing by ~58.3% per year across the filed fiscal years. Its solvency ranks better than 27% of 11185 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency31▼-35
Growth52=
Stability94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity ample (current ratio 1.53 against 4.22 in 2024), but 88.1% 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.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
11.9%
Return on assets
-5%
Age of the figures
11 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
21222425
2021 to 2025 · latest year -€15k
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 08-05-2026, 8 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
8 d late
2024
16 d late
2022
34 d early
2021
60 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▼ 29.5%
2024 · €51k
2021: €-43
2022: €-38
2024: €51k
2021 → 2025
Total assets
€305k▲ 67.9%
2024 · €181k
2021: €1k
2022: €457
2024: €181k
2021 → 2025
Net result
€-15k▼ 79.5%
2024 · €-8k
2021: €-3k
2022: €5
2024: €-8k
2021 → 2025
Working capital
€100k▼ 20.0%
2024 · €125k
2021: €-43
2022: €-38
2024: €125k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220242025Trend
Equity€-43-€-38▲ 11.6%€51k€36k▼ 29.5%
Operating result€-3k-€235€-7k€-11k▼ 67.2%
Net result€-3k-€5€-8k€-15k▼ 79.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k in 2025 against €7k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €305k
Fixed assets
€18k▼ 0.1%
Current assets
€287k▲ 75.2%
Equity and liabilities €305k
Equity
€36k▼ 29.5%
Debt
€268k▲ 106%
The debt ratio rises from 71.6% to 88.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-10k▼
2024 · €-6k
Cash flow
€-14k▼
2024 · €-8k
Solvency
11.9%▼
2024 · 28.4%
Current ratio
1.53▼
2024 · 4.22
Quick ratio
0.79▲
2024 · 0.57
Debt / equity
7.40▲
2024 · 2.52
ROE
-41.9%▼
2024 · -16.5%
ROA
-5.0%▼
2024 · -4.7%
Interest coverage
-2.33▲
2024 · -3.06
Debt
€268k▲
2024 · €130k
Debt ≤ 1 year
€187k▲
2024 · €39k
Debt > 1 year
€81k▼
2024 · €91k
Staff costs
€0▼
2024 · €284
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€181k€305k▲
Fixed assets21/28€18k€18k▼
Tangible fixed assets22/27€18k€18k▼
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€14k€14k▼
Current assets29/58€164k€287k▲
Stocks and contracts in progress3€142k€139k▼
Stocks30/36€142k€139k▼
Amounts receivable within one year40/41€197€123k▲
Trade receivables40€197€123k▲
Cash at bank and in hand54/58€9k€18k▲
Deferred charges and accrued income490/1€13k€6k▼
Equity and liabilities
Total equity and liabilities10/49€181k€305k▲
Equity10/15€51k€36k▼
Contributions10/11€63k€63k=
Profit (loss) carried forward14€-12k€-27k▼
Amounts payable17/49€130k€268k▲
Amounts payable after more than one year17€91k€81k▼
Financial debts170/4€91k€81k▼
Amounts payable within one year42/48€39k€187k▲
Current portion of amounts payable after more than one year42€22k€23k▲
Trade debts44€15k€126k▲
Suppliers440/4€15k€126k▲
Taxes, remuneration and social security45€2k€37k▲
Taxes450/3€2k€37k▲
Income statement
Code20242025
Remuneration, social security and pensions62€284€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€347€1k▲
Other operating charges640/8€953€789▼
Gross operating margin9900€-5k€-9k▼
Operating profit (loss)9901€-7k€-11k▼
Financial income75/76B€105€14▼
Recurring financial income75€105€14▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€-8k€-15k▼
Profit (loss) for the period9904€-8k€-15k▼
Profit (loss) for the period to be appropriated9905€-8k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-27k▼
Profit (loss) brought forward from the previous period14P€-3k€-12k▼
The notes to these accounts (10 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
08-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 8 days late
2025
30-09
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series.
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 16 days late
2024
30-09
Financial
Liquidity times 5current ratio 4.22
Current ratio from 0.92 to 4.22.
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €5
Net result €5 after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 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, Veurne · 1 establishment unit since 2020
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.
Albert I laan 568630 VeurneGround area
6,073 m²
Building footprint
1,216 m²
Volume, LiDAR
8,775 m³
Parcel 38024A0134/00H000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sevan Janssens Trading
since 20202.308.550.213
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38024A0134/00H000 | Flanders | 6,073 m² | 1 · 1,216 m² | 8.1 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
LR MOTORS
BE 1029.423.485
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LK TOUTI
BE 0725.775.180
Machelen (Brab.) · Eq €37k
ZAK INVEST
BE 0841.217.355
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ELEKTEC
BE 0776.878.542
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CAR CONSULT SERVICE
BE 0473.985.946
Seraing · Eq €36k
Of 2,120 companies in sector 46711 we hold annual accounts for 1,122. 688 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-10-2020
Fiscal year end30-09
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46712Wholesale trade
47812Retail trade
45194
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
46713Wholesale trade
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.