Summary
SESS EUROPE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €116k and a net result of €36k. Equity is growing by ~41.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 1475 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-11-2025, 74 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
74 d early
2024
on the day
2023
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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€116k▲ 44.9%
2024 · €80k
2023: €50k
2024: €80k
2023 → 2025
Net result
€36k▲ 19.9%
2024 · €30k
2023: €45k
2024: €30k
2023 → 2025
Total assets
€231k▲ 11.2%
2024 · €208k
2023: €152k
2024: €208k
2023 → 2025
Solvency
50.2%▲ 11.7pp
2024 · 38.5%
2023: 32.9%
2024: 38.5%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€50k-€80k▲ 59.9%€116k▲ 44.9%
Operating result€60k-€40k▼ 32.3%€49k▲ 20.6%
Net result€45k-€30k▼ 33.4%€36k▲ 19.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €231k
Fixed assets
€83k ▼ 12.8%
Current assets
€149k ▲ 31.2%
Equity and liabilities €231k
Equity
€116k ▲ 44.9%
Debt
€115k ▼ 10.0%
Debt's share of the balance-sheet total falls from 61.5% to 49.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
31.0%▼
2024 · 37.5%
ROA
15.6%▲
2024 · 14.4%
Debt ≤ 1 year
€84k▲
2024 · €74k
Debt > 1 year
€29k▼
2024 · €50k
Income taxes
€11k▲
2024 · €9k
Staff costs
€146k▲
2024 · €103k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€208k€231k▲
Fixed assets21/28€95k€83k▼
Intangible fixed assets21€52k€52k▲
Tangible fixed assets22/27€43k€30k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€41k€29k▼
Current assets29/58€113k€149k▲
Amounts receivable within one year40/41€109k€127k▲
Trade receivables40€60k€108k▲
Other amounts receivable41€49k€19k▼
Cash at bank and in hand54/58€2k€17k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€208k€231k▲
Equity10/15€80k€116k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€75k€111k▲
Amounts payable17/49€128k€115k▼
Amounts payable after more than one year17€50k€29k▼
Financial debts170/4€50k€29k▼
Amounts payable within one year42/48€74k€84k▲
Current portion of amounts payable after more than one year42€23k€21k▼
Financial debts43€4k€17k▲
Other loans439€4k€17k▲
Trade debts44€37k€32k▼
Suppliers440/4€37k€32k▼
Taxes, remuneration and social security45€10k€14k▲
Taxes450/3€0€865▲
Remuneration and social security454/9€10k€13k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€4k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€103k€146k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€21k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€163k€217k▲
Operating profit (loss)9901€40k€49k▲
Financial income75/76B€59€0▼
Recurring financial income75€59€0▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€39k€47k▲
Income taxes67/77€9k€11k▲
Profit (loss) for the period9904€30k€36k▲
Profit (loss) for the period to be appropriated9905€30k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€75k€111k▲
Profit (loss) brought forward from the previous period14P€45k€75k▲
Social balance
Average headcount (FTE)90871.42.0▲
The notes to these accounts (14 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
2025
18-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Equity above €100kEq €116k ▲44.9%
3 profitable years in a row build equity to €116k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet €30k ▼33.4%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated 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, Assenede · 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.
Heideveld 29960 AssenedeGround area
3,100 m²
Building footprint
1,313 m²
Parcel 43002D1294/00S002, Flanders. Linked by address, not a title deed.
1 establishment unit
SESS EUROPE
since 20212.323.850.180
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43002D1294/00S002 | Flanders | 3,100 m² | 1 · 1,312 m² | - |
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
SquareTrade Europe
BE 0786.464.518
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DSW-Consult
BE 0757.908.510
Essen · Eq €114,517
PHOENIX STUDIO
BE 0825.989.642
Mons · Eq €117,661
RECK & CO. (BELGIUM)
BE 0888.567.213
Antwerpen · Eq €118,539
WVSurveys
BE 0767.365.515
Brecht · Eq €113,484
Of 853 companies in sector 66210 we hold annual accounts for 511. 443 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
Founded04-11-2021
Fiscal year end30-06
Activities, NACEBEL 2025
66210Risk and damage evaluation
71209Other technical testing and analysis
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.