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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Age3 yrs
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of SEBEM is 0.7% (low). The 2024 annual accounts show equity of €454k and a net result of €-120k. Its solvency ranks better than 24% of 7336 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.7%
Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
2 signals · with evidencePersistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
View the result trend Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 7336 sector peers (2024).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-06-2025, 56 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. 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 |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 05-06-2025 | 56 d early | 2025-00120183 |
| 31-12-2023 | 31-07-2024 | 25-07-2024 | 6 d early | 2024-00282317 |
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 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
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 strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-120k-26.7%
Working capital€-13k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 05-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 34.8% | 65.0% | |
| Net result | €-120k | €32k | |
| Equity | €454k | €58k | |
| Gross operating margin | €5k | €52k | |
| Staff costs | €19k | €17k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-55k
+21.6%
23-24
€-120k
-26.7%
23-24
€-68k
+7.2%
23-24
€1.30M
+91.7%
23-24
€454k
-20.8%
23-24
€-13k
-
23-24
1
-
23-24
€19k
+120.8%
23-24
€3k
-
23-24
€851k
+693.9%
23-24
€68k
+17.8%
23-24
€783k
+1472.6%
23-24
0.80
-33.3%
23-24
0.80
-33.3%
23-24
34.8%
-58.7%
23-24
1.87
+903.1%
23-24
-26.3%
-60.1%
23-24
-9.2%
+33.9%
23-24
-4.82
+85.7%
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-55k |
| Net profit | €-120k |
| Cash flow | €-68k |
| Staff costs | €19k |
| Income taxes | €3k |
| Dividends | - |
| Total assets | €1.30M |
| Equity | €454k |
| Debt | €851k |
| of which ≤ 1y | €68k |
| of which > 1y | €783k |
| Working capital | €-13k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.80 |
| Quick ratio | 0.80 |
| Working capital ratio | -1.0% |
| Solvency | 34.8% |
| Debt / equity | 1.87 |
| Long-term debt ratio | 1.73 |
| Interest coverage | -4.82 |
| Gross margin | - |
| Net margin | - |
| ROA | -9.2% |
| ROE | -26.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.30M |
| Fixed assets | 21/28 | €1.25M |
| Tangible fixed assets | 22/27 | €1.25M |
| Current assets | 29/58 | €54k |
| Amounts receivable within one year | 40/41 | €36k |
| Cash & bank | 54/58 | €18k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.30M |
| Equity | 10/15 | €454k |
| Contributions / capital | 10/11 | €596k |
| Reserves | 13 | €72k |
| Accumulated profits (losses) | 14 | €-214k |
| Amounts payable | 17/49 | €851k |
| Amounts payable after one year | 17 | €783k |
| Amounts payable within one year | 42/48 | €68k |
| Trade debts payable within one year | 44 | €4k |
| Income statement | ||
| Gross operating margin | 9900 | €5k |
| Operating result | 9901 | €-107k |
| Financial income | 75 | €2k |
| Financial charges | 65 | €11k |
| Result before taxes | 9903 | €-117k |
| Income taxes | 67/77 | €3k |
| Net result for the period | 9904 | €-120k |
| Result to be appropriated | 9905 | €-120k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed20
/ 100
Critical
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.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Hof te Fiennestraat (ETKH) 129680 MaarkedalEstablishment units
1 locationSEBEM
since 20232.346.832.054
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts Capital history · 1
29-05-2024
Capital change
All acts · 1
updated 2 years ago
2024
29-05-2024 Capital increase of €200,000 to €867,734.79
- €667.734,79 → €867.734,79
- Inbreng in geld · Apport en numéraire
Notary:
Pieter-Jan Ruysschaert · Oudenaarde
Analysis
Snowflake analysis
financial profile on 5 axes39
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
20
Profitability
0
Solvency
50
Growth
32
Stability
94
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Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 5,997 of the 29,850 companies in this sector. 3,599 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Beheer van computerfaciliteiten62030Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110Overige vormen van onderwijs85599Overige vormen van onderwijs85599
Primary activity highlighted.
Names & trade names
| Legal nameNL | SEBEM |
Registered office
Hof te Fiennestraat (ETKH) 12
9680 Maarkedal, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.