SemKo!
ActiveSummary
SemKo! has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €224k and a net result of €101k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 27% of 3291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+24
Solvency43▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 0.98 in 2024; short-term debt: 54.5% and cash: 58.4% of total assets), and 82.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
17.8%
Return on assets
8%
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 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
82 d late
2023
15 d early
2022
on the day
← 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, abbreviated schema
Equity
€224k▲ 82.3%
2024 · €123k
2022: €119k
2023: €411k
2024: €123k
2022 → 2025
Total assets
€1.26M▲ 0.7%
2024 · €1.25M
2022: €799k
2023: €870k
2024: €1.25M
2022 → 2025
Net result
€101k▼ 91.7%
2024 · €1.21M
2022: €61k
2023: €291k
2024: €1.21M
2022 → 2025
Working capital
€169k
2024 · €-24k
2022: €-203k
2023: €14k
2024: €-24k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€119k-€411k▲ 244%€123k▼ 70.1%€224k▲ 82.3%
Operating result€89k-€309k▲ 248%€221k▼ 28.4%€139k▼ 37.4%
Net result€61k-€291k▲ 380%€1.21M▲ 316%€101k▼ 91.7%
Turnover and EBIT margin not published: the abbreviated or 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 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.26M
Fixed assets
€406k ▲ 49.2%
Current assets
€858k ▼ 12.8%
Equity and liabilities €1.26M
Equity
€224k ▲ 82.3%
Debt
€1.04M ▼ 8.2%
Debt's share of the balance-sheet total falls from 90.2% to 82.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€145k▼
2024 · €224k
Cash flow
€107k▼
2024 · €1.21M
Current ratio
1.25▲
2024 · 0.98
Debt to equity
4.63▼
2024 · 9.20
ROE
45.1%▼
2024 · 985.8%
ROA
8.0%▼
2024 · 96.6%
Interest coverage
11.90▲
2024 · 0.57
Debt ≤ 1 year
€688k▼
2024 · €1.01M
Debt > 1 year
€337k▲
2024 · €120k
Income taxes
€38k▼
2024 · €54k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.25M€1.26M▲
Fixed assets21/28€272k€406k▲
Tangible fixed assets22/27€6k€140k▲
Land and buildings22-€41k
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€2k€1k▼
Assets under construction and advance payments27-€94k
Financial fixed assets28€266k€266k=
Current assets29/58€983k€858k▼
Amounts receivable within one year40/41€58k€117k▲
Trade receivables40€16k€82k▲
Other amounts receivable41€42k€36k▼
Current investments50/53€750k€0▼
Cash at bank and in hand54/58€170k€738k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.25M€1.26M▲
Equity10/15€123k€224k▲
Contributions10/11€19k€19k=
Reserves13€104k€206k▲
Distributable reserves133€104k€206k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.13M€1.04M▼
Amounts payable after more than one year17€120k€337k▲
Financial debts170/4€120k€337k▲
Amounts payable within one year42/48€1.01M€688k▼
Current portion of amounts payable after more than one year42€29k€21k▼
Trade debts44€5k€15k▲
Suppliers440/4€5k€15k▲
Taxes, remuneration and social security45€58k€32k▼
Taxes450/3€58k€32k▼
Other amounts payable47/48€915k€621k▼
Accrued charges and deferred income492/3€5k€13k▲
Income statement
Code20242025
Non-recurring operating income76A-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€226k€146k▼
Operating profit (loss)9901€221k€139k▼
Financial income75/76B€1.44M€12k▼
Recurring financial income75€1.44M€12k▼
Financial charges65/66B€394k€12k▼
Recurring financial charges65€394k€12k▼
Profit (loss) for the period before taxes9903€1.27M€139k▼
Income taxes67/77€54k€38k▼
Profit (loss) for the period9904€1.21M€101k▼
Profit (loss) for the period to be appropriated9905€1.21M€101k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.21M€101k▼
Transfer from equity791/2€392k€0▼
Transfer to equity691/2€104k€101k▼
To other reserves6921€104k€101k▼
Profit to be distributed694/7€1.50M€0▼
Return on contributions (dividend)694€1.50M€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (19 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Equity above €200kEq €224k ▲82.3%
4 profitable years in a row build equity to €224k.
21-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 82 days late
2024
31-12
Financial
Highest result since 2022net €1.21M ▲316%
Net result €1.21M, the highest in the series.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 1.06
Current ratio from 0.42 to 1.06; short-term debt falls from €353k to €209k.
31-12
Financial
Equity above €200kEq €411k ▲244%
2 profitable years in a row build equity to €411k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Truiden · 1 establishment unit since 2016
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.
Tongersesteenweg 2683800 Sint-TruidenGround area
777 m²
Building footprint
160 m²
Volume, LiDAR
1,080 m³
Parcel 71048B0118/00L000, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SEMKO
since 20162.256.068.263
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71048B0118/00L000 | Flanders | 777 m² | 1 · 160 m² | 10.8 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
K2 Accountants
BE 0803.474.556
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KMG SOCIETAS
BE 0647.633.465
Herk-de-Stad · Eq €224,239
DE MOT
BE 0420.680.189
Beersel · Eq €224,240
MAESEN ACCOUNTANTS
BE 0895.810.935
Pelt · Eq €224,245
ALL RIGHT
BE 0458.917.886
Hasselt · Eq €224,157
Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,280 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
Founded12-08-2016
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.