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SEVAP

Active
Private limited company· 2 yrs active
Stationsstraat 74 ·1730 Asse, Belgium
KBO/BCE: BE 0805.567.479
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Age2 yrs
Real estate1 parcel · 237 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SEVAP is 4.1% (elevated). The 2023 annual accounts show equity of €16k and a net result of €6k. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
4.1% Elevated
0%0,5%1,5%4%10%≥25%
Young company +No NACE activity registered +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 11-09-2024, 42 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 31-12-2023, that is 31-07-2024.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2023 31-07-2024 11-09-2024 42 d late 2024-00460034

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
Young company
Founded in 2023, under 3 years, statistically higher risk.
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.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€6k
Working capital€5k

Annual accounts & ratios

Source: NBB · 2023
Annual accounts filed on 11-09-2024 with the NBB · fiscal year 2023 · micro
Fiscal year2023
Depositmicro
Revenue-
EBITDA€9k
Net profit€6k
Cash flow€8k
Staff costs-
Income taxes€2k
Dividends-
Total assets€37k
Equity€16k
Debt€21k
of which ≤ 1y€21k
of which > 1y-
Working capital€5k
Employees (FTE)-
Ratios (computed)
2023
Current ratio1.22
Quick ratio0.99
Working capital ratio12.5%
Solvency43.1%
Debt / equity1.32
Long-term debt ratio-
Interest coverage144.30
Gross margin-
Net margin-
ROA15.9%
ROE36.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€37k
Fixed assets 21/28€11k
Intangible fixed assets 21€5k
Tangible fixed assets 22/27€6k
Current assets 29/58€26k
Stocks & contracts in progress 3€5k
Amounts receivable within one year 40/41€11k
Cash & bank 54/58€9k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€37k
Equity 10/15€16k
Contributions / capital 10/11€10k
Accumulated profits (losses) 14€6k
Amounts payable 17/49€21k
Amounts payable within one year 42/48€21k
Trade debts payable within one year 44€9k
Income statement
Gross operating margin 9900€9k
Operating result 9901€8k
Financial charges 65€65
Result before taxes 9903€7k
Income taxes 67/77€2k
Net result for the period 9904€6k
Result to be appropriated 9905€6k
Ratios computed by Checked.

Health barometer

FY 2023 · computed
76 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.

Locations & real estate

Parcels1
Ground area237 m²
Buildings1
Building footprint128 m²
Volume (LiDAR)765 m³
Tallest building11.4 m · ±2 fl.

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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23322E0018/00D002 Flanders 237 m² 1 · 128 m² 11.4 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
Address history · 1
08-07-2024
Registered-office move
All acts · 1 updated 2 years ago
2024
08-07-2024 Registered office moved from Gent to ASSE Registered-office change
  • Brugsepoortstraat 44 - 9000 Gent → 1730 ASSE Stationsstraat 74

Analysis

Snowflake analysis

financial profile on 5 axes
Health76Profitability100Solvency70Growth-Stability67
78 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 76
Profitability 100
Solvency 70
Growth -
Stability 67

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AI due-diligence brief

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Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Company registry

Company registry (CBE)

Crossroads Bank
Names & trade names
Legal nameNL SEVAP
Registered office
Stationsstraat 74
1730 Asse, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.