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Complete company report
Generated 20-08-2026
Active BE 0471.451.870Private limited company

SEBA BOUW

Bischoffsheimlaan 39 ·1000 Brussel, Belgium· 26 yrs active
Sector: Algemene bouw van residentiële gebouwen (41001)
Conclusion Checked

The computed 12-month bankruptcy probability of SEBA BOUW is 5.9% (elevated). The 2023 annual accounts show equity of €59k and a net result of €-6k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 75% of 3160 sector peers (fiscal year 2023). The company has been active since 2000 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags).

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €59k
Net result €-6k
Staff (FTE) 1
Better than sector 75%
Financial profile 5 of 5 axes measured · computed by Checked
Health60Profitability0Solvency96Growth32Stability84
54 / 100

Mixed profile: strong on solvency, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 60
Profitability 0
Solvency 96
Growth 32
Stability 84
Bankruptcy probability (12 mo) Checked model v1 · free
5.9% Elevated
0%0,5%1,5%4%10%≥25%
Recent warning signals +Higher-failure-rate region +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
3 / 100
Low risk
Components
· 1 administrative flag (+3)
Trust signals 1 signals
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags2 events
Address struckAddress strikeout annulled
Health barometer FY 2023 · computed
60 / 100 Healthy
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 23-07-2024 with the NBB · fiscal year 2023 · micro
€-20k€-10k€0€10kOperating result 2019: €11k€11kNet result 2019: €13k€13kOperating result 2020: €4k€4kNet result 2020: €2k€2kOperating result 2021: €12k€12kNet result 2021: €6k€6kOperating result 2022: €-12k€-12kNet result 2022: €-12k€-12kOperating result 2023: €-6k€-6kNet result 2023: €-6k€-6k20192020202120222023
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable Equity: stable across 6 fiscal years (±0.3%/year).
€40k€60k€80k2024: €67k (€56k - €77k)2025: €66k (€50k - €83k)2026: €66k (€44k - €89k)2018: €60k2019: €69k2020: €71k2021: €78k2022: €65k2023: €59k201820192020202120222023202420252026
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2023 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 59.5% 37.5%
better than 75% of 3160 sector peers
Net result €-6k €9k
better than 14% of 3152 sector peers
Equity €59k €25k
better than 76% of 3165 sector peers
Gross operating margin €51k €27k
better than 70% of 3146 sector peers
Staff costs €44k €20k
higher than 63% of 950 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-597
+93.9% 18-23
Net profit
€-6k
+53.6% 18-23
Cash flow
€-742
+93.1% 18-23
Total assets
€100k
-23.1% 18-23
Equity
€59k
-8.9% 18-23
Working capital
€35k
-42.6% 18-23
Employees (FTE)
1
-28.6% 18-23
Staff costs
€44k
+12.2% 18-23
Show 11 other metrics
Income taxes
€671
+0.4% 18-23
Debt
€40k
-37.5% 18-23
Debt ≤ 1y
€40k
-37.8% 18-23
Debt > 1y
€0
-100.0% 18-23
Current ratio
1.87
-3.8% 18-23
Quick ratio
1.87
-3.8% 18-23
Solvency
59.5%
+18.6% 18-23
Debt / equity
0.68
-31.5% 18-23
ROE
-9.7%
+49.1% 18-23
ROA
-5.8%
+39.7% 18-23
Interest coverage
-0.24
+97.0% 18-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue-
EBITDA€-597
Net profit€-6k
Cash flow€-742
Staff costs€44k
Income taxes€671
Dividends-
Total assets€100k
Equity€59k
Debt€40k
of which ≤ 1y€40k
of which > 1y-
Working capital€35k
Employees (FTE)1.0
Ratios (computed)
2023
Current ratio1.87
Quick ratio1.87
Working capital ratio35.2%
Solvency59.5%
Debt / equity0.68
Long-term debt ratio-
Interest coverage-0.24
Gross margin-
Net margin-
ROA-5.8%
ROE-9.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€100k
Fixed assets 21/28€24k
Tangible fixed assets 22/27€24k
Current assets 29/58€75k
Amounts receivable within one year 40/41€22k
Cash & bank 54/58€9k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€100k
Equity 10/15€59k
Contributions / capital 10/11€7k
Reserves 13€53k
Amounts payable 17/49€40k
Amounts payable within one year 42/48€40k
Trade debts payable within one year 44€13k
Income statement
Gross operating margin 9900€51k
Operating result 9901€-6k
Financial income 75€3k
Financial charges 65€2k
Result before taxes 9903€-5k
Income taxes 67/77€671
Net result for the period 9904€-6k
Result to be appropriated 9905€-6k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 3 directors
Current directors & mandates
  • Seba Bouw BVLegal entity
    Director· perm. rep.: Saad Arbia
    State Gazette act 24180780 (27-12-2024)
    Current
    17-12-2024 → present
Former directors (2)
  • Kenan Uyusmaz
    Director
    State Gazette act 24180780 (27-12-2024)
    Former
    - → 17-12-2024
  • Recep Bayram
    Director
    State Gazette act 24180780 (27-12-2024)
    Former
    - → 17-12-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Algemene bouw van residentiële gebouwen(41001)
Legal form Private limited company(610)
Incorporation17-03-2000
StatusActive
Postal code1000
Establishment units 1 location
Schoolstraat 45, 3650 Dilsen-Stokkem
ALGEMENE COöRDIN.WERKZAAMHEDEN BOUWWERF
since 20002.115.945.132
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
21803C0630/00H003 Brussels 808 m² 1 · 279 m² 26.6 m · 8 fl.
72005B0448/00F000 Flanders 784 m² 1 · 210 m² 9.3 m · 1 fl.
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.
Updates 15 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
10-10-2025
KBO administration Address strikeout annulled
12-05-2025
KBO administration Address struck
2024
27-12-2024
State Gazette act Director changes
23-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
27-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
29-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
29-06-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
29-06-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
04-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
14-06-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
01-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
05-10-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
26-11-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
Lifecycle & Insolvency Signals2 events
10-10-2025
KBO administration Address strikeout annulled
 · Publications in State Gazette ↗
Full insolvency chronology

The full chronology lists every recorded event with its date, the competent court and the appointed liquidator or administrator. It answers at which stage the proceedings stand and whether they are still running.

We hold 1 further earlier event in this file, covering 12-05-2025 to 10-10-2025.

Available in Kantoor S. See plans →
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-05-12 · KBO administration · Address struck2025-10-10 · KBO administration · Address strikeout annulled
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgian State Gazette reading coverage 0 of 10 acts read

We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2024
27-12-2024 1 director appointed, 2 resigning Director changes
  • Saad Arbia, Bestuurder
  • Kenan Uyusmaz, Bestuurder
  • Recep Bayram, Bestuurder
Technical details 
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      "via_org": {
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Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001Bouwen van individuele huizen45211
Primary activity highlighted.
Names & trade names
Legal nameNL SEBA BOUW
Registered office
Bischoffsheimlaan 39 bus 4
1000 Brussel, Belgium
Registration history
  1. 10-10-2025 Address strikeout annulled
  2. 12-05-2025 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative