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S.E.M.M.

Active
Private limited companyfounded 199234 yrs activeRue de Bavay(GEN) 4 bis, 7040 Quévy, BelgiumKBO/BCE: BE 0447.292.932
Summary

S.E.M.M. has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €119,909 and a net result of €14,340. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 22% of 193 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisWatch ReportCompare
S.E.M.M.ActiveChecked score 69/100
Risk analysis ReportCompare

Overview

Activity
Travel agency activities
NACE 79110
1 site
Size
€725,758total assets 2024
Equity
€119,909
Profit
€14,340
Financial health
69 Healthy Checked score 2024
Bankruptcy chance 12 m
0.7%
Structure
Accounts 65 d overdue0 of 3 deeds read
Why 69- Figures for FY 2024 (filed 30-09-2025)- 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late+ Founded in 1992+ Size: total assets €725,758Show the evidence

Checked score

Score 2024
69 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 42% of its sector peers (NACE 79, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Average
Solvency 42+6
equity 16.5% of total assets
Liquidity 55+3
short-term debt 82.8% · cash 41.8%
Profitability 48-10
return on assets 2.0%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (993 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -0.5% vs 12-2024 02-2025: 0.2%▲ +3.0% vs 01-2025 03-2025: 0.2%▲ +2.5% vs 02-2025 04-2025: 0.2%▼ -5.3% vs 03-2025 05-2025: 0.2%▲ +11.2% vs 04-2025 06-2025: 0.2%▼ -0.5% vs 05-2025 07-2025: 0.3%▲ +39.0% vs 06-2025 08-2025: 0.5%▲ +51.8% vs 07-2025 09-2025: 0.5%▲ +17.6% vs 08-2025 10-2025: 0.2%▼ -63.4% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%▼ -1.5% vs 11-2025 01-2026: 0.2%▼ -0.5% vs 12-2025 02-2026: 0.2%▲ +2.1% vs 01-2026 03-2026: 0.2%▲ +2.0% vs 02-2026 04-2026: 0.2%▼ -6.4% vs 03-2026 05-2026: 0.2%▲ +7.4% vs 04-2026 06-2026: 0.2%▼ -7.4% vs 05-2026lowest value 07-2026: 0.2%▲ +18.6% vs 06-2026 08-2026: 0.4%▲ +82.1% vs 07-2026 09-2026: 0.5%▲ +19.2% vs 08-2026 10-2026: 0.7%▲ +39.0% vs 09-2026highest value
  • Figures for FY 2024 (filed 30-09-2025) raises the probability
  • Founded in 1992 lowers the probability for this profile
  • Size: total assets €725,758 lowers the probability for this profile
  • 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late raises the probability
Credit up to €8,000 at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.07 in 2023; short-term debt: 82.8% and cash: 41.8% of total assets), and 83.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 79, micro). Better than this share of them on solvency 28%, liquidity 43%, profitability 35%, growth against the median 63%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2024 (filed 30-09-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1992
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Size: total assets €725,758
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 193 sector peers (2024).
NBB · sector comparison
Position among 193 sector peers
Solvency
better than 22%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filings
Deviation from the deadline
2025
not confirmed
2024
61 d late
2023
29 d late
2022
32 d late
2021
76 d late
2020
89 d late
2019
90 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 63 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · full…
  2. Annual accounts filedfiscal year 2023 · full…
  3. Annual accounts filedfiscal year 2022 · full…

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 65 d late View
  • Positive: 5 profitable years in a rowprofit 2024: €14,340 5 years View
  • Active since 1992founded 08-05-1992 34 years View

By topic

Financials

Fiscal year
2024
Total assets
€725,758
Profit
€14,340
Solvency
16.5%
Total assets▼ 22.2%
Net result
20182024
Go to Financials

Timeline

Events
13
Since
2016
  1. 30-09-2025Annual accounts filed
  2. 29-08-2024Annual accounts filed
  3. 01-09-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Travel agency activitiesNACE 79110
Founded
08-05-1992
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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