SEGUY
ActiveSEGUY has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €386k and a net result of €90k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 35% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-3
Solvency60▲+8
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.82 against 0.81 in 2024; short-term debt: 33.8% and cash: 2.7% of total assets), and 64.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
35.2%
Return on assets
8.3%
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 27-08-2026, 27 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 · 5 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
12 d late
2022
30 d late
2021
22 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€90k▼ 21.0%
2024 · €115k
2021: €74k
2022: €101k
2023: €115k
2024: €115k
2021 → 2025
Working capital
€-66k▲ 27.2%
2024 · €-90k
2021: €-72k
2022: €-15k
2023: €56k
2024: €-90k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€79k-€180k▲ 127%€295k▲ 64.0%€295k=€386k▲ 30.6%
Operating result€113k-€148k▲ 31.2%€169k▲ 14.0%€155k▼ 8.1%€135k▼ 13.4%
Net result€74k-€101k▲ 35.5%€115k▲ 14.4%€115k▼ 0.5%€90k▼ 21.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.10M
Fixed assets
€791k▲ 13.7%
Current assets
€305k▼ 23.3%
Equity and liabilities €1.10M
Equity
€386k▲ 30.6%
Debt
€710k▼ 11.0%
The debt ratio falls from 73.0% to 64.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€194k▲
2024 · €175k
Cash flow
€149k▲
2024 · €134k
Solvency
35.2%▲
2024 · 27.0%
Current ratio
0.82▲
2024 · 0.81
Quick ratio
0.82▲
2024 · 0.81
Debt / equity
1.84▼
2024 · 2.70
ROE
23.5%▼
2024 · 38.8%
ROA
8.3%▼
2024 · 10.5%
Interest coverage
21.58▼
2024 · 22.83
Debt
€710k▼
2024 · €798k
Debt ≤ 1 year
€371k▼
2024 · €488k
Debt > 1 year
€338k▲
2024 · €310k
Income taxes
€35k▲
2024 · €33k
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€1.09M€1.10M▲
Fixed assets21/28€696k€791k▲
Tangible fixed assets22/27€166k€261k▲
Furniture and vehicles24€166k€154k▼
Leasing and similar rights25-€107k
Financial fixed assets28€530k€530k=
Current assets29/58€397k€305k▼
Amounts receivable within one year40/41€252k€218k▼
Trade receivables40€233k€112k▼
Other amounts receivable41€20k€107k▲
Cash at bank and in hand54/58€93k€30k▼
Deferred charges and accrued income490/1€52k€57k▲
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.10M▲
Equity10/15€295k€386k▲
Contributions10/11€5k€5k=
Reserves13€290k€381k▲
Distributable reserves133€290k€381k▲
Amounts payable17/49€798k€710k▼
Amounts payable after more than one year17€310k€338k▲
Financial debts170/4€310k€248k▼
Other amounts payable178/9-€91k
Amounts payable within one year42/48€488k€371k▼
Current portion of amounts payable after more than one year42€61k€62k▲
Financial debts43-€30k
Other loans439-€30k
Trade debts44€656€4k▲
Suppliers440/4€656€4k▲
Taxes, remuneration and social security45€98k€64k▼
Taxes450/3€90k€64k▼
Remuneration and social security454/9€8k-
Other amounts payable47/48€327k€210k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€59k▲
Other operating charges640/8€15k€18k▲
Gross operating margin9900€190k€212k▲
Operating profit (loss)9901€155k€135k▼
Financial charges65/66B€8k€9k▲
Recurring financial charges65€8k€9k▲
Profit (loss) for the period before taxes9903€148k€126k▼
Income taxes67/77€33k€35k▲
Profit (loss) for the period9904€115k€90k▼
Profit (loss) for the period to be appropriated9905€115k€90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€115k€90k▼
Transfer to equity691/2-€90k
To other reserves6921-€90k
Profit to be distributed694/7€115k-
Directors or managers695€115k-
The notes to these accounts (8 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
21-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Mandate compensation3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Mandate compensation3 facts ▸
- General meeting, 2026-03-12
- Director appointment, Severine Foret (administrateur)
- Mandate compensation, Severine Foret
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 12 days late
2023
31-12
Financial
Highest result since 2021net €115k ▲14.4%
Operating result €169k, net result €115k, both a record.
31-12
Financial
Equity above €200kEq €295k ▲64%
3 profitable years in a row build equity to €295k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Equity above €150kEq €180k ▲127%
2 profitable years in a row build equity to €180k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 22 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Severine Foret
CurrentDirector · since 01-04-2026
01-04-2026
Appointed as Director
Location & real-estate footprint
Registered office, Ittre · 1 establishment unit since 2021
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.
Rue de Clabecq 91460 IttreGround area
1,956 m²
Building footprint
166 m²
Volume, LiDAR
811 m³
Parcel 25044A0134/00T007, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SEGUY
since 20212.314.809.384
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25044A0134/00T007 | Wallonia | 1,956 m² | 1 · 166 m² | 6.8 m · 2 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
LDC REAL
BE 0679.930.408
Kruisem · Eq €386k
Confidentius
BE 0544.897.005
Zulte · Eq €385k
INTERIEUR VLAMINCK
BE 0464.308.613
Antwerpen · Eq €385k
GWD Projects
BE 0767.619.495
Kalmthout · Eq €385k
BBDISTRIBUTION
BE 0805.214.618
Fleurus · Eq €385k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 36,626 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.