SEVKOK
ActiveThe computed 12-month bankruptcy probability of SEVKOK is 15.4% (high). The 2025 annual accounts show negative equity (€-108k) and a net result of €-100k. Its solvency ranks better than 21% of 12646 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
12
/ 100
Critical▼ -51 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency42▲+27
Growth32
Stability94
Bankruptcy probability, 12 months
15.4%
High
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.87 against 1.04 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
-13.2%
Return on assets
-12.3%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€108k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-06-2026, 52 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
52 d early
2024
56 d early
← before the deadline
after the deadline →
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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-108k
2024 · €40k
2024: €40k
2024 → 2025
Total assets
€817k▼ 9.4%
2024 · €902k
2024: €902k
2024 → 2025
Net result
€-100k
2024 · €39k
2024: €39k
2024 → 2025
Working capital
€-119k
2024 · €32k
2024: €32k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€40k-€-108k
Operating result€72k-€-79k
Net result€39k-€-100k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €79k after €72k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €817k
Fixed assets
€11k▲ 24.5%
Current assets
€806k▼ 9.8%
Key figures and ratios
EBITDA
€-77k▼
2024 · €72k
Cash flow
€-98k▼
2024 · €40k
Solvency
-13.2%▼
2024 · 4.5%
Current ratio
0.87▼
2024 · 1.04
Quick ratio
0.87▼
2024 · 1.04
Debt / equity
-8.58▼
2024 · 21.42
ROE
93.1%▼
2024 · 97.5%
ROA
-12.3%▼
2024 · 4.3%
Interest coverage
-3.63▼
2024 · 2.20
Debt
€924k▲
2024 · €862k
Debt ≤ 1 year
€924k▲
2024 · €862k
Staff costs
€528k▼
2024 · €963k
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
Total assets
20/58€902k€817k▼
Fixed assets
21/28€9k€11k▲
Tangible fixed assets
22/27€8k€10k▲
Financial fixed assets
28€560€560=
Current assets
29/58€893k€806k▼
Amounts receivable within one year
40/41€12k€269k▲
Cash & bank
54/58€880k€533k▼
Total equity & liabilities
10/49€902k€817k▼
Equity
10/15€40k€-108k▼
Contributions / capital
10/11€1k€1k=
Accumulated profits (losses)
14€39k€-109k▼
Amounts payable
17/49€862k€924k▲
Amounts payable within one year
42/48€862k€924k▲
Trade debts payable within one year
44€803k€63k▼
Income statement
Code20242025
Gross operating margin
9900€1.05M€458k▼
Operating result
9901€72k€-79k▼
Financial income
75€89-
Financial charges
65€33k€21k▼
Result before taxes
9903€39k€-100k▼
Net result for the period
9904€39k€-100k▼
Result to be appropriated
9905€39k€-100k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
WALILI
BE 0540.641.574
Beersel · Eq €40k
LE PANIER GOURMAND
BE 0473.368.809
Aubel · Eq €40k
Skybova
BE 0683.712.121
Nieuwpoort · Eq €40k
KLxAL
BE 1002.878.446
Namur · Eq €40k
PATERSHOL CATERING
BE 0460.296.474
Gent · Eq €40k
Of 20,236 companies in sector 56111 we hold annual accounts for 10,942. 9,297 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2023
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 23-08-2026. Scores and ratios are computed by Checked and are not a credit decision.