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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Tight liquidity NBB
Cash and receivables cover 28 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
11 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
SEB Holding from Zemst, company number BE0733876561, closed financial year 2025 with a result of € 22,530 after tax. For that financial year SEB Holding recorded a gross margin of € 22,561 and equity of € 81,107. Compared with financial year 2024, the result moved from € 12,864 to € 22,530. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 30, 2026.
€ 81,107
▲ 23% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 22,530
▲ 75% vs 2024
Profit after tax over the fiscal year.
€ 30,019
▲ 7% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 7,500 paid out
33 % of the profit went to the shareholders, mostly to ESB-GROUP (100 % of the shares). That is where the money ends up.
Debts at end 2025
€ 427,736
▲ 5% vs 2024
Loans from banks and other lenders, long and short.
€ 9,191
▲ 133% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 5,062
▲ 148% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 11,163 | € 12,487 | € 15,879 | € 22,561 | ▲ 42% |
| Profit after taxes | € 18,536 | € 13,655 | € 12,864 | € 22,530 | ▲ 75% |
| Equity | € 49,558 | € 58,214 | € 66,077 | € 81,107 | ▲ 23% |
| Total debts | € 583,669 | € 529,477 | € 497,027 | € 468,886 | ▼ 6% |
| Cash | € 22,401 | € 12,127 | € 28,078 | € 30,019 | ▲ 7% |
| Retained profit | € 19,558 | € 28,214 | € 36,077 | € 51,107 | ▲ 42% |
| Dividend | € 5,000 | € 5,000 | € 5,000 | € 7,500 | ▲ 50% |
| Bank debt | € 547,183 | € 371,966 | € 408,416 | € 427,736 | ▲ 5% |
| Balance sheet total | € 633,227 | € 587,690 | € 563,104 | € 549,993 | ▼ 2% |
Key figures of SEB Holding, 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 SEB Holding?
What happened at SEB Holding in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 22,530 (▲ 75% vs 2024). Source: NBB ↗
- New establishment in Zemst. KBO
- ESB Group became a director. NBB
- DACA Invest became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 18,536 profit in 2022 to € 22,530 profit in 2025.
Paid € 8,684 in corporate taxes since 2022.
Best year ever: 2025, with € 22,530 profit.
Paid out € 22,500 in dividends to the owners in total.
Management
The stake of ESB-GROUP comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
SEB HoldingBehind SEB Holding are ESB Group and DACA Invest. The shares are held by ESB-GROUP (100%). It owns 100% of S1 BV, 100% of Eau Contrhair, 100% of S4, 100% of S3, 100% of STC5 and 100% of GWHB itself.
Directors
According to the 2025 annual accounts
Managing director · represented by Guy SMITS
Also active at: BOXTOBOX HAIRDRESSING, PROFESSIONNEL BEAUTY COMMUNITY 314
since 2019
Managing director · represented by Danny SCHROEVEN
Also active at: BOXTOBOX HAIRDRESSING, EXCLUSIVE, ESB-GROUP, Academy 314, S2, S1, S4, S3 +2 more
since 2019
Shareholders
100%
Establishments
Establishment units
Physical locations of this company
Zemstsesteenweg 1
1981 Zemst
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 11 companies are registered at this address.
All companies at this address →BOXTOBOX HAIRDRESSING same network
€ 205,004 gross margin · 2025
ESB-GROUP same network
€ 651,990 gross margin · 2025
GWHB same network
€ 186,266 gross margin · 2025
Academy 314 same network
€ 29,742 gross margin · 2025
S2 same network
€ 196,912 gross margin · 2025
+6 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0733.876.561
- VAT number
- BE 0733.876.561
- Registered office
- Zemstsesteenweg 1, 1981 Zemst
- Names & denominations
- SEB Holding
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 10 September 2019
- Peppol
- Active · Active since 21 Oct 2026
- Activities · NACE
Activiteiten van holdings
Holdings
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