Semois Bidco · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

Semois Bidco is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €32.52M and a net result of €-80k. Its solvency ranks better than 93% of 681 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 93% of 681 peers (2024). A comfortable equity buffer.

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-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 16 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 26-06-2025, 35 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 3 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	26-06-2025	35 d early	2025-00218464
31-12-2023	31-07-2024	01-07-2024	30 d early	2024-00231875
31-12-2022	31-07-2023	14-07-2023	17 d early	2023-00247054

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 signals

More than 3 years active

Founded in 2021, 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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€32.52M+50.0%

Net result€-80k

Total assets€32.94M-6.0%

Solvency98.7%+36.9pp

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 26-06-2025 with the NBB · fiscal year 2024 · volledig

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	98.7%	44.8%	better than 93% of 681 sector peers
Net result	€-80k	€47k	better than 17% of 680 sector peers
Equity	€32.52M	€1.35M	better than 83% of 681 sector peers
Total assets	€32.94M	€5.52M	better than 76% of 681 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€-80k

- 22-24

Total assets

€32.94M

-6.0% 22-24

Equity

€32.52M

+50.0% 22-24

Income taxes

€466

+90.4% 22-24

Dividends

€100k

- 22-24

Debt

€422k

-96.8% 22-24

Debt ≤ 1y

€422k

-96.8% 22-24

Solvency

98.7%

+59.6% 22-24

Show 2 other metrics

ROE

-0.2%

- 22-24

ROA

-0.2%

- 22-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	volledig
Revenue	n/a
EBITDA	n/a
Net profit	€-80k
Cash flow	n/a
Staff costs	-
Income taxes	€466
Dividends	€100k
Total assets	€32.94M
Equity	€32.52M
Debt	€422k
of which ≤ 1y	€422k
of which > 1y	-
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	98.7%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	-0.2%
ROE	-0.2%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2024

Assets

Fixed assets €32.29M · 98.0% Current assets €652k · 2.0%

Equity & liabilities

Equity €32.52M · 98.7% Debt €422k · 1.3%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€32.94M
Fixed assets	21/28	€32.29M
Formation expenses	20	€0
Tangible fixed assets	22/27	€53k
Financial fixed assets	28	€32.23M
Current assets	29/58	€652k
Amounts receivable within one year	40/41	€612k
Cash & bank	54/58	€39k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€32.94M
Equity	10/15	€32.52M
Contributions / capital	10/11	€26.48M
Reserves	13	€311k
Accumulated profits (losses)	14	€5.73M
Amounts payable	17/49	€422k
Amounts payable within one year	42/48	€422k
Trade debts payable within one year	44	€431
Income statement
Operating result	9901	€-82k
Financial income	75	€6k
Financial charges	65	€3k
Result before taxes	9903	€-79k
Income taxes	67/77	€466
Net result for the period	9904	€-80k
Result to be appropriated	9905	€-80k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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 des Guillemins 1294000 Liège

Establishment units

1 location

SEMOIS BIDCO

Rue des Guillemins 129, 4000 LiègeHoldings

since 20222.334.444.758

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area4,768 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)