SEVGI GOLD
ActiveThe computed 12-month bankruptcy probability of SEVGI GOLD is 1.7% (moderate). The 2025 annual accounts show equity of €49k and a net result of €17k. Equity is growing by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 30% of 18237 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
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▲+22
Solvency36▼-1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.74 against 3.36 in 2024; short-term debt: 57.5% and cash: 3.3% of total assets), but 89.5% 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
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
10.5%
Return on assets
3.5%
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 04-08-2026, 4 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 · 5 filingsDeviation from the deadline
2025
4 d late
2024
29 d late
2023
84 d early
2022
31 d late
2021
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€567k
EBIT margin
4.0%
Net result
€17k▲ 6,303%
2024 · €258
2022: €1k
2023: €4k
2024: €258
2022 → 2025
Working capital
€198k▲ 7.0%
2024 · €185k
2022: €186k
2023: €187k
2024: €185k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€567k
Equity€15k-€28k▲ 88.8%€32k▲ 14.3%€33k▲ 0.8%€49k▲ 50.6%
Operating result€6k€8k▲ 32.3%€2k▼ 69.3%€23k▲ 847%
Net result€1k€4k▲ 178%€258▼ 93.6%€17k▲ 6,303%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 847% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €468k
Fixed assets
€768▼ 64.8%
Current assets
€467k▲ 77.4%
Equity and liabilities €468k
Equity
€49k▲ 50.6%
Debt
€419k▲ 79.8%
The debt ratio rises from 87.7% to 89.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▲
2024 · €4k
Cash flow
€18k▲
2024 · €2k
Solvency
10.5%▼
2024 · 12.3%
Current ratio
1.74▼
2024 · 3.36
Quick ratio
0.23▼
2024 · 0.72
Debt / equity
8.52▲
2024 · 7.13
ROE
33.6%▲
2024 · 0.8%
ROA
3.5%▲
2024 · 0.1%
Interest coverage
13.37▲
2024 · 2.39
Debt
€419k▲
2024 · €233k
Debt ≤ 1 year
€269k▲
2024 · €78k
Debt > 1 year
€150k▼
2024 · €155k
Income taxes
€4k▲
2024 · €593
Staff costs
€82k▲
2024 · €49k
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€265k€468k▲
Fixed assets21/28€2k€768▼
Tangible fixed assets22/27€2k€768▼
Plant, machinery and equipment23€2k€768▼
Current assets29/58€263k€467k▲
Stocks and contracts in progress3€207k€405k▲
Stocks30/36€207k€405k▲
Amounts receivable within one year40/41€7k€46k▲
Trade receivables40€6k€14▼
Other amounts receivable41€1k€46k▲
Cash at bank and in hand54/58€49k€16k▼
Equity and liabilities
Total equity and liabilities10/49€265k€468k▲
Equity10/15€33k€49k▲
Contributions10/11€18k€18k=
Profit (loss) carried forward14€15k€31k▲
Amounts payable17/49€233k€419k▲
Amounts payable after more than one year17€155k€150k▼
Financial debts170/4€155k€150k▼
Amounts payable within one year42/48€78k€269k▲
Current portion of amounts payable after more than one year42€5k€8k▲
Trade debts44€7k€166k▲
Suppliers440/4€7k€166k▲
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€24k€50k▲
Taxes450/3€8k€19k▲
Remuneration and social security454/9€16k€32k▲
Other amounts payable47/48€42k€44k▲
Income statement
Code20242025
Turnover70-€567k
Non-recurring operating income76A-€5k
Goods, raw materials, services and sundry goods60/61-€465k
Remuneration, social security and pensions62€49k€82k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€433€872▲
Gross operating margin9900€53k€107k▲
Operating profit (loss)9901€2k€23k▲
Financial income75/76B€60€30▼
Recurring financial income75€60€30▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€851€21k▲
Income taxes67/77€593€4k▲
Profit (loss) for the period9904€258€17k▲
Profit (loss) for the period to be appropriated9905€258€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€31k▲
Profit (loss) brought forward from the previous period14P€14k€15k▲
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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Highest result since 2022net €17k ▲6303%
Operating result €23k, net result €17k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €258 ▼93.6%
Net result drops to €258, the lowest in the series; recovery starts the following year.
08-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · 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
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, Saint-Nicolas · 1 establishment unit since 2021
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.
Rue Saint-Nicolas 3894420 Saint-NicolasGround area
3,740 m²
Building footprint
371 m²
Volume, LiDAR
1,996 m³
2 parcels, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kocak belgium
since 20212.313.662.212
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62815D0283/00A000 | Wallonia | 3,387 m² | 1 · 214 m² | 6.0 m · 1 fl. |
| 62093A0035/00D000 | Wallonia | 353 m² | 1 · 156 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
REMY
BE 0441.824.409
Verviers · Eq €49k
UNIQUE & UNLIMITED
BE 0754.454.617
Anderlecht · Eq €49k
JUST-IN LINA GOLD
BE 0720.811.354
Heusden-Zolder · Eq €49k
RUSADIA
BE 0866.851.584
Jodoigne · Eq €50k
THWAINI
BE 0801.986.201
Beveren-Kruibeke-Zwijndrecht · Eq €50k
Of 2,017 companies in sector 47770 we hold annual accounts for 898. 639 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2020
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
32123Manufacture of jewellery
46480Wholesale trade
95250Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.