Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 50 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CHEZ SEB from Brunehaut, company number BE0631845528, closed financial year 2025 with a result of € -40,629 after tax. For that financial year CHEZ SEB recorded a gross margin of € 19,075 and equity of € 98,580. Compared with financial year 2024, the result moved from € -7,733 to € -40,629. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on October 16, 2026.
€ 98,580
▼ 29% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -40,629
▼ 425 % more loss than in 2024
Profit after tax over the fiscal year.
€ 35,892
▼ 20% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 79,980.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 37,813
▲ 3% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 9,026
▼ 29% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 23,385
▼ 18% vs 2024
€ 6,176 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 81,775
▲ 47% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 7,153
▼ 24% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 141,629 | € 126,859 | € 56,422 | € 19,075 | ▼ 66% |
| Profit after taxes | € 48,647 | € 33,017 | € -7,733 | € -40,629 | ▼ € 32,896 |
| Equity | € 113,926 | € 146,943 | € 139,210 | € 98,580 | ▼ 29% |
| Total debts | € 124,271 | € 136,552 | € 106,452 | € 112,313 | ▲ 6% |
| Cash | € 44,490 | € 70,462 | € 44,667 | € 35,892 | ▼ 20% |
| Retained profit | € 95,326 | € 128,343 | € 120,610 | € 79,980 | ▼ 34% |
| Bank debt | € 10,830 | € 35,552 | € 28,691 | € 23,385 | ▼ 18% |
| Balance sheet total | € 238,197 | € 283,495 | € 245,662 | € 210,893 | ▼ 14% |
Key figures of CHEZ SEB, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to CHEZ SEB?
What happened at CHEZ SEB in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 40,629. filed late Source: NBB ↗
- Sébastien François became a director. NBB
- New establishment in Brunehaut. KBO
- Start of the company according to the CBE. KBO
In short
From € 48,647 profit in 2022 to € 40,629 loss in 2025.
Paid € 21,105 in corporate taxes since 2022.
Best year ever: 2022, with € 48,647 profit.
Management
Behind CHEZ SEB is Sébastien François.
Directors
According to the 2025 annual accounts
Sébastien François
Director
since 2024
Establishments
Establishment units
Physical locations of this company
Rue du Pont de Maulde(BLE) 64
7620 Brunehaut
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0631.845.528
- VAT number
- BE 0631.845.528
- Registered office
- Rue du Pont de Maulde(BLE) 64, 7620 Brunehaut
- Names & denominations
- CHEZ SEB
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 8 June 2015
- Peppol
- Active · Active since 11 Dec 2025
- Activities · NACE
Detailhandel in tabaksproducten
Detailhandel in dranken, algemeen assortiment
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Detailhandel in onderdelen en accessoires van motorvoertuigen
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)
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