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SEBALEC

Active
Bruulstraat 70 ·3360 Bierbeek, Belgium
KBO/BCE: BE 1006.420.431
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Age2 yrs
Real estate1 parcel · 835 m²

Summary

Conclusion

the dossier summarised in one paragraph

SEBALEC is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €215 and a net result of €-785. Its solvency ranks better than 29% of 765 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 26-08-2025 26 d late 2025-00404607

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€215
Net result€-785
Total assets€1k
Solvency16.4%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 26-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 66 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 16.4% 38.9%
better than 29% of 765 sector peers
Net result €-785 €28k
better than 18% of 764 sector peers
Equity €215 €63k
better than 10% of 765 sector peers
Gross operating margin €-751 €67k
better than 9% of 762 sector peers
Total assets €1k €189k
better than 5% of 765 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€-785
Cash flown/a
Staff costs-
Income taxes-
Dividends-
Total assets€1k
Equity€215
Debt€1k
of which ≤ 1y€1k
of which > 1y-
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency16.4%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA-60.0%
ROE-365.5%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€1k
Current assets 29/58€1k
Amounts receivable within one year 40/41€131
Cash & bank 54/58€1k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1k
Equity 10/15€215
Contributions / capital 10/11€1k
Accumulated profits (losses) 14€-785
Amounts payable 17/49€1k
Amounts payable within one year 42/48€1k
Trade debts payable within one year 44€1k
Income statement
Gross operating margin 9900€-751
Operating result 9901€-751
Financial charges 65€34
Result before taxes 9903€-785
Net result for the period 9904€-785
Result to be appropriated 9905€-785
Ratios computed by Checked.

Health barometer

FY 2024 · computed
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Establishment units

1 location
SEBALEC
Bruulstraat 70, 3360 BierbeekGroothandel in elektrisch installatiemateriaal voor huishoudelijk gebruik
since 20242.358.986.055
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area835 m²
Buildings1
Building footprint182 m²
Volume (LiDAR)761 m³
Tallest building6.0 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24065C0214/00F003 Flanders 835 m² 1 · 182 m² 6.0 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability0Solvency26Growth-Stability67
31 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 0
Solvency 26
Growth -
Stability 67

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Overige ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen66290Ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen, neg66290Adviesbureaus op het gebied van public relations en communicatie70210Ingenieurs en aanverwante technische adviseurs, exclusief landmeters71121Activiteiten van ingenieurs en aanverwante technische adviseurs, exclusief landmeters-experts71121Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300Overige gespecialiseerde wetenschappelijke en technische activiteiten74909Overige activiteiten van vrije beroepen en andere wetenschappelijke en technische activiteiten, neg74999Overige vormen van onderwijs85599Overige vormen van onderwijs85599
Primary activity highlighted.
Names & trade names
Legal nameNL SEBALEC
Registered office
Bruulstraat 70
3360 Bierbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.