SEC SHOP
ActiveSummary
SEC SHOP has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €2k. Equity is shrinking by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 62% of 4621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-16
Solvency67▲+6
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 4.04 against 4.24 in 2024; short-term debt: 15.6% and cash: 58.2% of total assets), but 57.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €12k
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
2 d early
2023
6 d early
2022
7 d early
2021
123 d early
2020
68 d early
2019
15 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2021 · €0
2021: €0
2021 → 2022
Total assets
€29k▲ 1.1%
2024 · €29k
2018: €30k
2019: €29k
2020: €27k
2021: €20k
2022: €15k
2023: €20k
2024: €29k
2018 → 2025
Net result
€2k▼ 66.0%
2024 · €6k
2018: €-326
2019: €1k
2020: €-3k
2021: €-8k
2022: €-4k
2023: €4k
2024: €6k
2018 → 2025
Working capital
€14k▼ 30.1%
2024 · €20k
2018: €-1k
2019: €4k
2020: €5k
2021: €12k
2022: €13k
2023: €17k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0-€0
Equity€5k-€752▼ 84.1%€5k▲ 559%€11k▲ 112%€12k▲ 17.9%
Operating result€-7k-€-4k▲ 45.8%€4k€6k▲ 33.8%€3k▼ 41.4%
Net result€-8k-€-4k▲ 48.9%€4k€6k▲ 32.2%€2k▼ 66.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €29k
Fixed assets
€11k ▲ 261%
Current assets
€18k ▼ 29.0%
Equity and liabilities €29k
Equity
€12k ▲ 17.9%
Debt
€17k ▼ 8.5%
Debt's share of the balance-sheet total falls from 63.6% to 57.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €6k
Cash flow
€2k▼
2024 · €6k
Current ratio
4.04▼
2024 · 4.24
Debt to equity
1.36▼
2024 · 1.75
ROE
15.2%▼
2024 · 52.9%
ROA
6.5%▼
2024 · 19.2%
Interest coverage
35.78▲
2024 · 31.13
Debt ≤ 1 year
€5k▼
2024 · €6k
Debt > 1 year
€12k=
2024 · €12k
Income taxes
€1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€29k€29k▲
Fixed assets21/28€3k€11k▲
Tangible fixed assets22/27€3k€11k▲
Plant, machinery and equipment23€3k€10k▲
Furniture and vehicles24-€824
Financial fixed assets28€180€180=
Current assets29/58€26k€18k▼
Amounts receivable within one year40/41€9k€1k▼
Trade receivables40€9k€1k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€17k€17k▲
Deferred charges and accrued income490/1€597-
Equity and liabilities
Total equity and liabilities10/49€29k€29k▲
Equity10/15€11k€12k▲
Contributions10/11€8k€8k=
Reserves13-€2k
Distributable reserves133-€2k
Profit (loss) carried forward14€2k€2k=
Amounts payable17/49€18k€17k▼
Amounts payable after more than one year17€12k€12k=
Financial debts170/4€12k€12k=
Amounts payable within one year42/48€6k€5k▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78€195▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€7k€5k▼
Operating profit (loss)9901€6k€3k▼
Financial charges65/66B€187€99▼
Recurring financial charges65€187€99▼
Profit (loss) for the period before taxes9903€6k€3k▼
Income taxes67/77-€1k
Profit (loss) for the period9904€6k€2k▼
Profit (loss) for the period to be appropriated9905€6k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€4k▲
Profit (loss) brought forward from the previous period14P€-3k€2k▲
Transfer to equity691/2-€2k
To other reserves6921-€2k
The notes to these accounts (7 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €6k ▲32.2%
Operating result €6k, net result €6k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 4.54
Current ratio from 1.33 to 4.54; short-term debt falls from €14k to €4k.
24-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 15 days late
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
Show earlier events
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Liège · 1 establishment unit since 1987
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.
Place des Franchises 14000 LiègeGround area
100 m²
Building footprint
60 m²
Volume, LiDAR
875 m³
Parcel 62814C0230/00Y021, Wallonia · tallest building 16.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Place des Franchises 1, 4000 Liège
since 19872.031.380.136
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62814C0230/00Y021 | Wallonia | 100 m² | 1 · 60 m² | 16.4 m · 5 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.
Similar companies · same sector, comparable size
Texworks
BE 0419.791.947
Begijnendijk · Eq €11,878
SEZER SERVICES
BE 0751.603.708
Verviers · Eq €13,123
MAPACAL
BE 0415.719.135
Rixensart · Eq €11,498
ASTRIG
BE 0795.135.130
Sint-Pieters-Leeuw · Eq €11,317
DRY CLEAN TOPPER
BE 0420.886.166
Antwerpen · Eq €11,240
Of 429 companies in sector 96101 we hold annual accounts for 254. 107 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-03-1987
Fiscal year end31-12
Activities, NACEBEL 2025
96101Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.