SEVIMLER MARKET
ActiveSummary
The computed 12-month bankruptcy probability of SEVIMLER MARKET is 2.3% (moderate). The 2025 annual accounts show equity of €71k and a net result of €76k. Equity is growing by ~54.9% per year across the filed fiscal years. Its solvency ranks better than 21% of 10359 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
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+61
Solvency37▲+3
Growth78=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 0.95 in 2024; short-term debt: 83.3% and cash: 14.7% of total assets), and 88.5% 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
11.5%
Return on assets
12.4%
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 21% of 10359 sector peers (2025).
NBB · sector comparisonPosition among 10359 sector peers
Solvency
better than 21%
← 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 18-08-2026, 18 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
18 d late
2024
187 d late
2023
78 d late
2022
290 d late
2021
106 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€76k
2024 · €-23k
2021: €-73k
2022: €55k
2023: €103k
2024: €-23k
2021 → 2025
Working capital
€27k
2024 · €-30k
2021: €-158k
2022: €-97k
2023: €-24k
2024: €-30k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-68k-€-13k▲ 81.3%€91k€67k▼ 25.9%€71k▲ 4.8%
Operating result€-156k-€69k€166k▲ 140%€-23k€115k
Net result€-73k-€55k€103k▲ 87.4%€-23k€76k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €115k after a loss of €23k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €612k
Fixed assets
€76k ▼ 32.3%
Current assets
€537k ▼ 14.0%
Equity and liabilities €612k
Equity
€71k ▲ 4.8%
Debt
€542k ▼ 18.9%
Debt's share of the balance-sheet total falls from 90.9% to 88.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€166k▲
2024 · €19k
Cash flow
€127k▲
2024 · €19k
Current ratio
1.05▲
2024 · 0.95
Quick ratio
0.27▼
2024 · 0.55
Debt to equity
7.68▼
2024 · 9.93
ROE
108.1%▲
2024 · -34.9%
ROA
12.4%▲
2024 · -3.2%
Interest coverage
7.84▲
2024 · 0.94
Debt ≤ 1 year
€510k▼
2024 · €654k
Debt > 1 year
€903▼
2024 · €6k
Income taxes
€18k▲
2024 · €256
Staff costs
€315k▲
2024 · €294k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€736k€612k▼
Fixed assets21/28€112k€76k▼
Intangible fixed assets21€29k-
Tangible fixed assets22/27€83k€76k▼
Plant, machinery and equipment23€67k€53k▼
Furniture and vehicles24€1k€611▼
Other tangible fixed assets26€14k€22k▲
Current assets29/58€624k€537k▼
Stocks and contracts in progress3€267k€399k▲
Stocks30/36€267k€399k▲
Amounts receivable within one year40/41€203k€32k▼
Trade receivables40€195k€19k▼
Other amounts receivable41€8k€14k▲
Cash at bank and in hand54/58€129k€90k▼
Deferred charges and accrued income490/1€25k€15k▼
Equity and liabilities
Total equity and liabilities10/49€736k€612k▼
Equity10/15€67k€71k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€62k€66k▲
Amounts payable17/49€668k€542k▼
Amounts payable after more than one year17€6k€903▼
Financial debts170/4€6k€903▼
Amounts payable within one year42/48€654k€510k▼
Current portion of amounts payable after more than one year42€22k€5k▼
Trade debts44€559k€434k▼
Suppliers440/4€559k€434k▼
Taxes, remuneration and social security45€71k€60k▼
Taxes450/3€12k€13k▲
Remuneration and social security454/9€59k€47k▼
Other amounts payable47/48€2k€11k▲
Accrued charges and deferred income492/3€9k€31k▲
Income statement
Code20242025
Non-recurring operating income76A€15k-
Remuneration, social security and pensions62€294k€315k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€51k▲
Other operating charges640/8€15k€34k▲
Gross operating margin9900€329k€515k▲
Operating profit (loss)9901€-23k€115k▲
Financial income75/76B€20k€217▼
Recurring financial income75€200€217▲
Non-recurring financial income76B€20k-
Financial charges65/66B€21k€21k▲
Recurring financial charges65€21k€21k▲
Profit (loss) for the period before taxes9903€-23k€94k▲
Income taxes67/77€256€18k▲
Profit (loss) for the period9904€-23k€76k▲
Profit (loss) for the period to be appropriated9905€-23k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€139k▲
Profit (loss) brought forward from the previous period14P€86k€62k▼
Profit to be distributed694/7-€73k
Return on contributions (dividend)694-€73k
Social balance
Average headcount (FTE)90877.07.0=
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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 187 days late
2025
31-12
Financial
Back to profitnet €76k
Net result €76k after one loss-making year.
2024
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 78 days late
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 290 days late
2023
31-12
Financial
Highest result since 2021net €103k ▲87.4%
Operating result €166k, net result €103k, both a record.
2022
31-12
Financial
Back to profitnet €55k
Net result €55k after one loss-making year.
14-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 106 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, Namur · 2 establishment units 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.
Route de Wasseiges(CG) 2055022 NamurGround area
1,932 m²
Building footprint
571 m²
Volume, LiDAR
2,940 m³
3 parcels, Wallonia · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
SEVIMLER MARKET
since 20202.309.091.433
SEVIMLER DECOR
since 20202.309.091.532
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92025A0076/00S000 | Wallonia | 1,023 m² | 1 · 186 m² | 6.6 m · 2 fl. |
| 92094A0232/00R009indicative | Wallonia | 838 m² | 1 · 309 m² | 8.3 m · 1 fl. |
| 92094A0232/00P010 | Wallonia | 71 m² | 1 · 75 m² | 13.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.309.091.433
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Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 4,670 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:berkant-sevimler@hotmail.com
Phone:+32479980765