SEBEKO BOUW
ActiveThe computed 12-month bankruptcy probability of SEBEKO BOUW is 2.3% (moderate). The 2025 annual accounts show equity of €57k and a net result of €634. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 60% of 27451 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-22
Solvency81▲+16
Growth52=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.14 against 1.53 in 2024; short-term debt: 43.8% and cash: 0% of total assets), and 43.8% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
56.2%
Return on assets
0.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 3 filingsDeviation from the deadline
2025
30 d late
2024
30 d late
2023
61 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€57k▲ 1.1%
2024 · €56k
2023: €50k
2024: €56k
2023 → 2025
Total assets
€101k▼ 28.7%
2024 · €141k
2023: €101k
2024: €141k
2023 → 2025
Net result
€634▼ 97.9%
2024 · €31k
2023: €45k
2024: €31k
2023 → 2025
Working capital
€50k▲ 17.3%
2024 · €43k
2023: €29k
2024: €43k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€50k-€56k▲ 11.7%€57k▲ 1.1%
Operating result€57k-€29k▼ 48.0%€709▼ 97.6%
Net result€45k-€31k▼ 31.8%€634▼ 97.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 98% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101k
Fixed assets
€6k▼ 64.8%
Current assets
€95k▼ 23.4%
Equity and liabilities €101k
Equity
€57k▲ 1.1%
Debt
€44k▼ 48.2%
The debt ratio falls from 60.3% to 43.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €41k
Cash flow
€12k▼
2024 · €43k
Solvency
56.2%▲
2024 · 39.7%
Current ratio
2.14▲
2024 · 1.53
Quick ratio
2.14▲
2024 · 1.53
Debt / equity
0.78▼
2024 · 1.52
ROE
1.1%▼
2024 · 55.0%
ROA
0.6%▼
2024 · 21.8%
Interest coverage
165.29
Debt
€44k▼
2024 · €85k
Debt ≤ 1 year
€44k▼
2024 · €80k
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€141k€101k▼
Fixed assets21/28€18k€6k▼
Tangible fixed assets22/27€18k€6k▼
Plant, machinery and equipment23€158€158=
Furniture and vehicles24€18k€6k▼
Current assets29/58€123k€95k▼
Amounts receivable after more than one year29€70k€35k▼
Other amounts receivable291€70k€35k▼
Amounts receivable within one year40/41€53k€59k▲
Trade receivables40€29k€58k▲
Other amounts receivable41€24k€783▼
Cash at bank and in hand54/58€84€42▼
Deferred charges and accrued income490/1€310€310=
Equity and liabilities
Total equity and liabilities10/49€141k€101k▼
Equity10/15€56k€57k▲
Contributions10/11€5k€5k=
Reserves13€45k€45k=
Distributable reserves133€45k€45k=
Profit (loss) carried forward14€6k€6k▲
Amounts payable17/49€85k€44k▼
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€80k€44k▼
Current portion of amounts payable after more than one year42€3k€8k▲
Trade debts44€35k€7k▼
Suppliers440/4€35k€7k▼
Taxes, remuneration and social security45€17k€16k▼
Taxes450/3€17k€16k▼
Other amounts payable47/48€25k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€513€86▼
Gross operating margin9900€42k€12k▼
Operating profit (loss)9901€29k€709▼
Financial income75/76B€1k-
Recurring financial income75€1k-
Financial charges65/66B-€75
Recurring financial charges65-€75
Profit (loss) for the period before taxes9903€31k€634▼
Profit (loss) for the period9904€31k€634▼
Profit (loss) for the period to be appropriated9905€31k€634▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€6k▼
Profit (loss) brought forward from the previous period14P-€6k
Profit to be distributed694/7€25k-
Directors or managers695€25k-
The notes to these accounts (4 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet €634 ▼97.9%
Net result drops to €634, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Brugge · 1 establishment unit since 2022
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.
Baron Ruzettelaan 1348310 BruggeGround area
134 m²
Building footprint
61 m²
Volume, LiDAR
512 m³
Parcel 31512B0118/00R002, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SEBEKO BOUW
since 20222.340.197.353
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31512B0118/00R002 | Flanders | 134 m² | 1 · 61 m² | 12.9 m · 3 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.
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Of 20,031 companies in sector 43320 we hold annual accounts for 9,133. 7,496 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-12-2022
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.