SEINO
ActiveThe computed 12-month bankruptcy probability of SEINO is 3.0% (moderate). The 2024 annual accounts show equity of €136k and a net result of €39k. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 18939 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability91▲+13
Solvency88▲+25
Growth52=
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.65 against 4.1 in 2023; short-term debt: 37% and cash: 96.1% of total assets), and 37.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
50 d late
2022
70 d late
2021
29 d late
2020
82 d late
2019
67 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€155k▼ 36.1%
2019 · €243k
2018: €203k
2019: €243k
2018 → 2020
EBIT margin
-2.4%▼ 17.4pp
2019 · 15.0%
2018: 6.2%
2019: 15.0%
2018 → 2020
Net result
€39k▲ 116%
2023 · €18k
2018: €10k
2019: €30k
2020: €-3k
2021: €3k
2022: €20k
2023: €18k
2018 → 2024
Working capital
€132k▼ 29.4%
2023 · €187k
2018: €27k
2019: €55k
2020: €52k
2021: €149k
2022: €170k
2023: €187k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€155k-
Equity€57k-€59k▲ 4.8%€79k▲ 32.9%€97k▲ 22.7%€136k▲ 40.1%
Operating result€-4k-€4k€25k▲ 502%€27k▲ 7.0%€59k▲ 119%
Net result€-3k-€3k€20k▲ 625%€18k▼ 8.2%€39k▲ 116%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 119% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €216k
Fixed assets
€4k▼ 35.9%
Current assets
€212k▼ 14.2%
Equity and liabilities €216k
Equity
€136k▲ 40.1%
Provisions
€0▼ 100%
Debt
€81k▲ 33.8%
The debt ratio rises from 23.8% to 37.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k▲
2023 · €30k
Cash flow
€41k▲
2023 · €21k
Solvency
62.7%▲
2023 · 38.2%
Current ratio
2.65▼
2023 · 4.10
Quick ratio
2.61▼
2023 · 4.04
Debt / equity
0.59▼
2023 · 0.62
ROE
28.6%▲
2023 · 18.5%
ROA
17.9%▲
2023 · 7.1%
Interest coverage
18.93▲
2023 · 8.92
Debt
€81k▲
2023 · €60k
Debt ≤ 1 year
€80k▲
2023 · €60k
Income taxes
€17k▲
2023 · €6k
Staff costs
€113k▲
2023 · €99k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€254k€216k▼
Fixed assets21/28€7k€4k▼
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€324€324=
Current assets29/58€247k€212k▼
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€2k€647▼
Trade receivables40-€601
Other amounts receivable41€2k€47▼
Cash at bank and in hand54/58€239k€208k▼
Deferred charges and accrued income490/1€3k€293▼
Equity and liabilities
Total equity and liabilities10/49€254k€216k▼
Equity10/15€97k€136k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133-€2k
Profit (loss) carried forward14€82k€121k▲
Provisions and deferred taxes16€97k-
Provisions for liabilities and charges160/5€97k-
Environmental obligations163€97k-
Amounts payable17/49€60k€81k▲
Amounts payable within one year42/48€60k€80k▲
Trade debts44€30k€37k▲
Suppliers440/4€30k€37k▲
Taxes, remuneration and social security45€29k€42k▲
Taxes450/3€14k€23k▲
Remuneration and social security454/9€14k€19k▲
Other amounts payable47/48€2k€900▼
Accrued charges and deferred income492/3-€575
Income statement
Code20232024
Remuneration, social security and pensions62€99k€113k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€-97k
Other operating charges640/8€3k€7k▲
Non-recurring operating charges66A-€10k
Gross operating margin9900€132k€94k▼
Operating profit (loss)9901€27k€59k▲
Financial income75/76B€22€5▼
Recurring financial income75€22€5▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€24k€56k▲
Income taxes67/77€6k€17k▲
Profit (loss) for the period9904€18k€39k▲
Profit (loss) for the period to be appropriated9905€18k€39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€82k€121k▲
Profit (loss) brought forward from the previous period14P€65k€82k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €39k ▲116%
Operating result €59k, net result €39k, both a record.
31-12
Financial
Equity above €100kEq €136k ▲40.1%
4 profitable years in a row build equity to €136k.
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
31-12
Financial
Weakest financial yearnet €-3k ▼110%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
23-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 54 days late
2018
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 49 days late
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 91 days late
2016
05-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 36 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Ukkel · 1 establishment unit since 2015
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.
Diepestraat 101180 UkkelGround area
413 m²
Building footprint
292 m²
Volume, LiDAR
2,282 m³
2 parcels, Brussels · tallest building 15.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SEINO
since 20152.241.097.601
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614E0335/00L000 | Brussels | 323 m² | 1 · 202 m² | 10.5 m · 2 fl. |
| 21447B0305/00C028 | Brussels | 90 m² | 1 · 90 m² | 15.7 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
BUONOPANE
BE 0874.427.680
La Louvière · Eq €136k
K & S
BE 0840.960.603
Nieuwerkerken (Limb.) · Eq €136k
DARIO RESTAURATION
BE 0533.869.984
Manage · Eq €136k
Aperitivo M&R
BE 0698.756.128
Genk · Eq €136k
NEW SHANGHAI
BE 0475.935.745
Soignies · Eq €136k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,455. 9,201 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-2015
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.