SEVE
ActiveSEVE has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €-51k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 13933 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy▼ -30 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-77
Solvency99▼-1
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.26 against 4.29 in 2024), and 36.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
63.9%
Return on assets
-80%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
26 d early
2023
41 d early
2022
36 d early
2021
31 d early
2020
24 d early
2019
26 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▼ 55.6%
2024 · €91k
2018: €47k
2019: €51k
2020: €62k
2021: €76k
2022: €71k
2023: €77k
2024: €91k
2018 → 2025
Total assets
€64k▼ 48.0%
2024 · €122k
2018: €113k
2019: €101k
2020: €109k
2021: €123k
2022: €101k
2023: €104k
2024: €122k
2018 → 2025
Net result
€-51k
2024 · €14k
2018: €508
2019: €4k
2020: €11k
2021: €14k
2022: €-5k
2023: €6k
2024: €14k
2018 → 2025
Working capital
€29k▼ 64.6%
2024 · €81k
2018: €54k
2019: €40k
2020: €43k
2021: €66k
2022: €63k
2023: €71k
2024: €81k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€71k▼ 6.6%€77k▲ 8.5%€91k▲ 18.2%€41k▼ 55.6%
Operating result€26k-€-4k€11k€23k▲ 112%€38k▲ 68.6%
Net result€14k-€-5k€6k€14k▲ 131%€-51k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 69% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64k
Fixed assets
€12k▼ 26.5%
Current assets
€52k▼ 51.2%
Equity and liabilities €64k
Equity
€41k▼ 55.6%
Debt
€23k▼ 25.2%
The debt ratio rises from 25.1% to 36.1%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€45k▲
2024 · €29k
Cash flow
€-45k▼
2024 · €20k
Solvency
63.9%▼
2024 · 74.9%
Current ratio
2.26▼
2024 · 4.29
Quick ratio
2.26▼
2024 · 4.29
Debt / equity
0.56▲
2024 · 0.33
ROE
-125.2%▼
2024 · 15.4%
ROA
-80.0%▼
2024 · 11.5%
Interest coverage
39.39▲
2024 · 24.47
Debt
€23k▼
2024 · €31k
Debt ≤ 1 year
€23k▼
2024 · €25k
Income taxes
€132▼
2024 · €9k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€122k€64k▼
Fixed assets21/28€16k€12k▼
Tangible fixed assets22/27€16k€12k▼
Land and buildings22€4k€268▼
Furniture and vehicles24€11k€9k▼
Assets under construction and advance payments27-€2k
Financial fixed assets28€294€294=
Current assets29/58€106k€52k▼
Amounts receivable within one year40/41€10k€5k▼
Trade receivables40€10k€103▼
Other amounts receivable41-€5k
Current investments50/53€30k€15k▼
Cash at bank and in hand54/58€64k€30k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€122k€64k▼
Equity10/15€91k€41k▼
Contributions10/11€19k€19k=
Reserves13€73k€73k=
Tax-exempt reserves132€9k€9k=
Distributable reserves133€64k€64k=
Profit (loss) carried forward14-€-51k
Amounts payable17/49€31k€23k▼
Amounts payable after more than one year17€6k-
Financial debts170/4€6k-
Amounts payable within one year42/48€25k€23k▼
Current portion of amounts payable after more than one year42€6k€6k▼
Financial debts43€3k€3k▼
Credit institutions430/8€3k€3k▼
Trade debts44€5k€6k▲
Suppliers440/4€5k€6k▲
Taxes, remuneration and social security45€7k€4k▼
Taxes450/3€7k€4k▼
Other amounts payable47/48€4k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€1k€856▼
Gross operating margin9900€30k€45k▲
Operating profit (loss)9901€23k€38k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€1k€91k▲
Recurring financial charges65€1k€1k▼
Non-recurring financial charges66B-€90k
Profit (loss) for the period before taxes9903€23k€-51k▼
Income taxes67/77€9k€132▼
Profit (loss) for the period9904€14k€-51k▼
Profit (loss) for the period to be appropriated9905€14k€-51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€-51k▼
Transfer to equity691/2€14k-
To other reserves6921€14k-
The notes to these accounts (7 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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-51k ▼461%
Net result drops to €-51k, the lowest in the series.
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €14k ▲131%
Net result €14k, the highest in the series.
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
25-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Boechout · 1 establishment unit since 2005
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.
Provinciesteenweg 7332530 BoechoutGround area
533 m²
Building footprint
117 m²
Volume, LiDAR
610 m³
Parcel 11004B0446/00Y000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SEVE
since 20052.149.196.138
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11004B0446/00Y000 | Flanders | 533 m² | 1 · 117 m² | 7.9 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
VESTIO
BE 0899.941.056
Bilzen-Hoeselt · Eq €41k
ARBITO
BE 0627.787.958
Tessenderlo-Ham · Eq €41k
Legeco
BE 0652.759.718
Sint-Martens-Latem · Eq €41k
YAMANS CONSTRUCT
BE 0765.500.739
Antwerpen · Eq €41k
COMFORT IMMO
BE 0746.782.511
Pelt · Eq €41k
Of 7,287 companies in sector 68110 we hold annual accounts for 5,352. 3,091 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-09-2005
Fiscal year end30-09
Activities, NACEBEL
68110Buying and selling of own real estate
70120
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.