SEYS BERT
ActiveSEYS BERT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €402k and a net result of €145k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 39% of 1268 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-9
Solvency67▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 5.2 against 1.67 in 2024; short-term debt: 16.4% and cash: 42.5% of total assets), but 58.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 75
Relative position
BE, all sectors
reference
Sector 75
lower
← 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
41.9%
Return on assets
15.2%
Age of the figures
15 mo
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
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-02-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
12 d late
2024
50 d early
2023
23 d early
2022
20 d early
2021
1 d late
2020
3 d early
2019
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€402k▲ 12.8%
2024 · €356k
2019: €125k
2020: €182k
2021: €273k
2022: €362k
2023: €375k
2024: €356k
2019 → 2025
Total assets
€959k▲ 20.9%
2024 · €793k
2019: €377k
2020: €413k
2021: €468k
2022: €579k
2023: €611k
2024: €793k
2019 → 2025
Net result
€145k▼ 19.9%
2024 · €182k
2019: €106k
2020: €58k
2021: €90k
2022: €89k
2023: €130k
2024: €182k
2019 → 2025
Working capital
€660k▲ 135%
2024 · €280k
2019: €99k
2020: €142k
2021: €232k
2022: €246k
2023: €279k
2024: €280k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€273k-€362k▲ 32.8%€375k▲ 3.5%€356k▼ 4.9%€402k▲ 12.8%
Operating result€116k-€108k▼ 7.0%€170k▲ 58.3%€245k▲ 43.5%€203k▼ 16.9%
Net result€90k-€89k▼ 1.1%€130k▲ 45.8%€182k▲ 39.4%€145k▼ 19.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €959k
Fixed assets
€142k▲ 48.9%
Current assets
€817k▲ 17.0%
Equity and liabilities €959k
Equity
€402k▲ 12.8%
Debt
€557k▲ 27.5%
The debt ratio rises from 55.1% to 58.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€234k▼
2024 · €272k
Cash flow
€176k▼
2024 · €209k
Solvency
41.9%▼
2024 · 44.9%
Current ratio
5.20▲
2024 · 1.67
Quick ratio
4.78▲
2024 · 1.54
Debt / equity
1.39▲
2024 · 1.23
ROE
36.2%▼
2024 · 51.0%
ROA
15.2%▼
2024 · 22.9%
Interest coverage
10.07▼
2024 · 26.07
Debt
€557k▲
2024 · €437k
Debt ≤ 1 year
€157k▼
2024 · €418k
Debt > 1 year
€379k
Income taxes
€41k▼
2024 · €54k
Staff costs
€62k▲
2024 · €58k
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€793k€959k▲
Fixed assets21/28€95k€142k▲
Tangible fixed assets22/27€95k€142k▲
Land and buildings22€17k€15k▼
Plant, machinery and equipment23€29k€35k▲
Furniture and vehicles24€49k€92k▲
Financial fixed assets28€300€300=
Current assets29/58€698k€817k▲
Stocks and contracts in progress3€55k€65k▲
Stocks30/36€55k€65k▲
Amounts receivable within one year40/41€323k€303k▼
Trade receivables40€317k€293k▼
Other amounts receivable41€6k€10k▲
Current investments50/53€40k€38k▼
Cash at bank and in hand54/58€276k€407k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€793k€959k▲
Equity10/15€356k€402k▲
Contributions10/11€19k€19k=
Reserves13€338k€383k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€336k€381k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€437k€557k▲
Amounts payable after more than one year17-€379k
Other amounts payable178/9-€379k
Amounts payable within one year42/48€418k€157k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€15k€45k▲
Suppliers440/4€15k€45k▲
Taxes, remuneration and social security45€15k€12k▼
Taxes450/3€9k€6k▼
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€388k€100k▼
Accrued charges and deferred income492/3€19k€21k▲
Income statement
Code20242025
Remuneration, social security and pensions62€58k€62k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€31k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€331k€297k▼
Operating profit (loss)9901€245k€203k▼
Financial income75/76B€2k€6k▲
Recurring financial income75€2k€6k▲
Financial charges65/66B€10k€23k▲
Recurring financial charges65€10k€23k▲
Profit (loss) for the period before taxes9903€236k€186k▼
Income taxes67/77€54k€41k▼
Profit (loss) for the period9904€182k€145k▼
Profit (loss) for the period to be appropriated9905€182k€145k▼
Appropriation of the result
Profit (loss) to be appropriated9906€182k€145k▼
Transfer from equity791/2€18k€0▼
Transfer to equity691/2€0€45k▲
To other reserves6921€0€45k▲
Profit to be distributed694/7€200k€100k▼
Return on contributions (dividend)694€200k€100k▼
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
12-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
30-06
Financial
Liquidity triplescurrent ratio 5.20
Current ratio from 1.67 to 5.20; short-term debt falls from €418k to €157k.
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Highest result since 2019net €182k ▲39.4%
Operating result €245k, net result €182k, both a record.
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
30-06
Financial
Equity above €200kEq €273k ▲49.6%
3 profitable years in a row build equity to €273k.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €58k ▼45.7%
Net result drops to €58k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €150kEq €182k ▲46.2%
2 profitable years in a row build equity to €182k.
23-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Maaseik · 1 establishment unit since 2018
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.
Genveurderweg 93680 MaaseikGround area
1,166 m²
Building footprint
241 m²
Volume, LiDAR
1,157 m³
Parcel 72021A0141/00W000, Flanders · tallest building 7.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BERT SEYS
since 20182.276.566.640
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72021A0141/00W000 | Flanders | 1,166 m² | 1 · 241 m² | 7.8 m · 1 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
Dierenartsenpraktijk de 9 levens
BE 0502.404.570
Lokeren · Eq €401k
CABINET VETERINAIRE B.FALLAIS
BE 0890.105.256
Farciennes · Eq €402k
D.A.P. Griet Verlinden
BE 0840.874.588
Holsbeek · Eq €402k
VET DELWICHE
BE 0890.244.224
Houyet · Eq €400k
DIERENARTSENPRAKTIJK TAURUS
BE 0898.407.268
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Of 6,078 companies in sector 75000 we hold annual accounts for 1,950. 1,449 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-2018
Fiscal year end30-06
Activities, NACEBEL
75000Veterinary services
47762Retail sale of pets, pet food and pet supplies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:Bert.seys@hotmail.com