SEVMO
ActiveSummary
SEVMO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.44M and a net result of €245k. Equity is growing by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 10407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability88▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 9.44 against 6.54 in 2024; short-term debt: 9.1% and cash: 76.7% of total assets), and 9.2% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
90.8%
Return on assets
15.5%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
43 d early
2023
15 d early
2022
46 d early
2021
25 d early
2020
1 d early
2019
49 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.44M▲ 20.1%
2024 · €1.20M
Total assets
€1.58M▲ 15.9%
2024 · €1.37M
Net result
€245k▲ 8.9%
2024 · €225k
Working capital
€1.21M▲ 30.2%
2024 · €930k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€261k▲ 7.1%€296k▲ 13.2%€320k▲ 8.2%€319k▼ 0.2%€346k▲ 8.5%
Net result€182k▲ 7.5%€204k▲ 12.5%€221k▲ 8.2%€225k▲ 1.7%€245k▲ 8.9%
Equity€674k▲ 35.9%€876k▲ 30.1%€1.03M▲ 17.5%€1.20M▲ 16.4%€1.44M▲ 20.1%
Total assets€1.06M▲ 12.0%€1.22M▲ 14.8%€1.25M▲ 2.6%€1.37M▲ 9.0%€1.58M▲ 15.9%
Debt€390k▼ 14.1%€346k▼ 11.5%€224k▼ 35.2%€168k▼ 24.7%€145k▼ 13.8%
Working capital€677k▲ 35.1%€860k▲ 27.1%€853k▼ 0.8%€930k▲ 9.0%€1.21M▲ 30.2%
Staff (FTE)0.8=0.3▼ 62.5%0.7▲ 133%0.7=0.8▲ 14.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.58M
Fixed assets
€230k ▼ 14.3%
Current assets
€1.35M ▲ 23.3%
Equity and liabilities €1.58M
Equity
€1.44M ▲ 20.1%
Debt
€145k ▼ 13.8%
Debt's share of the balance-sheet total falls from 12.3% to 9.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€402k▲
2024 · €367k
Cash flow
€300k▲
2024 · €273k
Current ratio
9.44▲
2024 · 6.54
Quick ratio
8.64▲
2024 · 5.91
Debt to equity
0.10▼
2024 · 0.14
ROE
17.0%▼
2024 · 18.8%
ROA
15.5%▼
2024 · 16.5%
Interest coverage
69.44=
2024 · 69.47
Debt ≤ 1 year
€143k▼
2024 · €168k
Income taxes
€109k▲
2024 · €101k
Staff costs
€42k▲
2024 · €31k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €39k | €15k | €32k | €31k | €42k | ▲ 34.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €40k | €25k | €28k | €48k | €55k | ▲ 15.5% |
| Other operating charges640/8 | €7k | €7k | €7k | €7k | €6k | ▼ 18.9% |
| Gross operating margin9900 | €348k | €343k | €387k | €405k | €449k | ▲ 10.9% |
| Operating profit (loss)9901 | €261k | €296k | €320k | €319k | €346k | ▲ 8.5% |
| Financial income75/76B | €11k | €11k | €13k | €12k | €13k | ▲ 12.8% |
| Recurring financial income75 | €11k | €11k | €13k | €12k | €13k | ▲ 12.8% |
| Financial charges65/66B | €10k | €11k | €14k | €5k | €6k | ▲ 9.5% |
| Recurring financial charges65 | €10k | €11k | €14k | €5k | €6k | ▲ 9.5% |
| Profit (loss) for the period before taxes9903 | €262k | €296k | €319k | €325k | €354k | ▲ 8.7% |
| Income taxes67/77 | €80k | €91k | €98k | €101k | €109k | ▲ 8.2% |
| Profit (loss) for the period9904 | €182k | €204k | €221k | €225k | €245k | ▲ 8.9% |
| Profit (loss) for the period to be appropriated9905 | €182k | €204k | €221k | €225k | €245k | ▲ 8.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.06M | €1.22M | €1.25M | €1.37M | €1.58M | ▲ 15.9% |
| Fixed assets21/28 | €179k | €174k | €176k | €269k | €230k | ▼ 14.3% |
| Tangible fixed assets22/27 | €179k | €174k | €176k | €268k | €230k | ▼ 14.3% |
| Land and buildings22 | €175k | €153k | €131k | €109k | €87k | ▼ 20.0% |
| Plant, machinery and equipment23 | €404 | €0 | - | €4k | €3k | ▼ 21.7% |
| Furniture and vehicles24 | €521 | €4k | €1k | €99k | €85k | ▼ 13.4% |
| Other tangible fixed assets26 | €3k | €17k | €43k | €56k | €54k | ▼ 4.3% |
| Financial fixed assets28 | €352 | €352 | €352 | €352 | €352 | = |
| Current assets29/58 | €885k | €1.05M | €1.08M | €1.10M | €1.35M | ▲ 23.3% |
| Stocks and contracts in progress3 | €78k | €91k | €135k | €105k | €115k | ▲ 10.2% |
| Stocks30/36 | €78k | €91k | €135k | €105k | €115k | ▲ 10.2% |
| Amounts receivable within one year40/41 | €5k | €8k | €16k | €19k | €21k | ▲ 15.2% |
| Trade receivables40 | €120 | €7k | €3k | €3k | €21k | ▲ 558% |
| Other amounts receivable41 | €5k | €2k | €14k | €15k | €230 | ▼ 98.5% |
| Current investments50/53 | €200k | €0 | - | - | - | - |
| Cash at bank and in hand54/58 | €599k | €947k | €921k | €969k | €1.22M | ▲ 25.3% |
| Deferred charges and accrued income490/1 | €2k | €2k | €5k | €5k | €2k | ▼ 60.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.06M | €1.22M | €1.25M | €1.37M | €1.58M | ▲ 15.9% |
| Equity10/15 | €674k | €876k | €1.03M | €1.20M | €1.44M | ▲ 20.1% |
| Contributions10/11 | €20k | €20k | €100 | €100 | €100 | = |
| Reserves13 | €654k | €856k | €1.03M | €1.20M | €1.44M | ▲ 20.1% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | €652k | €854k | €1.03M | €1.20M | €1.44M | ▲ 20.1% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €390k | €346k | €224k | €168k | €145k | ▼ 13.8% |
| Amounts payable after more than one year17 | €182k | €158k | €0 | - | - | - |
| Financial debts170/4 | €182k | €158k | €0 | - | - | - |
| Amounts payable within one year42/48 | €208k | €188k | €224k | €168k | €143k | ▼ 14.6% |
| Current portion of amounts payable after more than one year42 | €18k | €24k | €0 | - | - | - |
| Financial debts43 | €51k | €47k | €27k | €0 | - | - |
| Credit institutions430/8 | €51k | €47k | €27k | €0 | - | - |
| Trade debts44 | €45k | €50k | €61k | €22k | €38k | ▲ 72.9% |
| Suppliers440/4 | €45k | €50k | €61k | €22k | €38k | ▲ 72.9% |
| Advances received on contracts in progress46 | - | - | €3k | €3k | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €76k | €58k | €86k | €86k | €67k | ▼ 22.6% |
| Taxes450/3 | €70k | €55k | €79k | €77k | €59k | ▼ 23.9% |
| Remuneration and social security454/9 | €6k | €3k | €7k | €9k | €8k | ▼ 11.1% |
| Other amounts payable47/48 | €18k | €8k | €48k | €56k | €39k | ▼ 31.4% |
| Accrued charges and deferred income492/3 | - | - | - | €572 | €2k | ▲ 216% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €182k | €204k | €221k | €225k | €245k | ▲ 8.9% |
| + Depreciation and write-downs630 | €40k | €25k | €28k | €48k | €55k | ▲ 15.5% |
| Operating cash flow (approximation) | €222k | €230k | €249k | €273k | €300k | ▲ 10.1% |
| Investment in fixed assets (approximation) | - | €-20k | €-30k | €-141k | €-17k | ▲ 88.1% |
| Change in cash | - | €348k | €-26k | €48k | €246k | ▲ 409% |
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €245k ▲8.9%
Operating result €346k, net result €245k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €1MEq €1.03M ▲17.5%
6 profitable years in a row build equity to €1.03M.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €674k ▲35.9%
4 profitable years in a row build equity to €674k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 49 days late
2019
31-12
Financial
Equity above €200kEq €336k ▲113%
2 profitable years in a row build equity to €336k.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Oostende · 1 establishment unit since 2005
Ground area
174 m²
Building footprint
135 m²
Volume, LiDAR
3,880 m³
Parcel 35013A1595/00S034, Flanders · tallest building 30.9 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
Maison L'oxygène
since 20052.144.878.351
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A1595/00S034 | Flanders | 174 m² | 1 · 135 m² | 30.9 m · 10 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.
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Of 6,498 companies in sector 47716 we hold annual accounts for 2,438. 921 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
Founded13-12-2004
Fiscal year end31-12
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47711Retail sale of women's outerwear
47712Retail trade
47713Retail trade
47714Retail trade
47715Retail trade
Scores and ratios are computed by Checked and are not a credit decision.