Equity
€3.0m ▲ 0.4%
Septeo Notary Solutions BE has made a profit without a break since 2007.
Septeo Notary Solutions BE
Lifetime
20 annual accounts with figures on one time axis, 38 filings since 1988peak €5.4m (2025)
€5.4m▲ 11.4%
lowest -€10,605 (2006)
€12,556▼ 97.4%
peak €3.5m (2023)
€3.0m▲ 0.4%
€4.3m▲ 3.0%
peak 41.9 FTE (2025)
41.9 FTE▲ 3.2%
Board8 names since 2012
2 directorsSeven TopCo and 1 other
Owners3 names in the annual accounts
100%SEPTEO Belgique and 1 other
Documentsfilings and deeds
10-07-202621 days before the deadline
2025abbreviated format
Result from €481,796 to €12,556
Key points
from the 2025 annual accountsResult
€12,556 ▼ 97.4%
The result fell in 2025: different schema filed.
Staff
45 employees on 31-12-2025
In 2025, 7 people joined and 7 left.
Filings
38 annual accounts since 1988
The 2016 accounts came 9 days late. The other nine of the last ten were filed on time.
Board
1 joined · 1 left
Board changed. Latest change 15-12-2025 · 2 in office.
Position in the sector
€3.0m
More equity than 95% of companies in computer programming and consultancy. Sector median €128,324 · 3,407 companies.
Checked score
94
Excellent
Financially stronger than 55% of small companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 1,167 companies (NACE 62, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025lowest value
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points vs 07-2025highest value
09-2025: 0.1%● unchanged vs 08-2025highest value
10-2025: 0.1%● unchanged vs 09-2025highest value
11-2025: 0.1%● unchanged vs 10-2025highest value
12-2025: 0.1%● unchanged vs 11-2025highest value
01-2026: 0.1%● unchanged vs 12-2025highest value
02-2026: 0.1%● unchanged vs 01-2026highest value
03-2026: 0.1%● unchanged vs 02-2026highest value
04-2026: < 0.1%▼ -0.1 percentage points vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Profit of €12,556 (financial year 2025)
lowers risk
Liquidity: current ratio 1.17, cash €3.1m
Sector: Computer programming, consultancy and related activities (NACE 62)
Founded in 1987
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, small). It does better than 53% of them on solvency, 83% on liquidity, 49% on profitability and 34% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 14,766 companies had the same profile as Septeo Notary Solutions BE has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Septeo Notary Solutions BE itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 14,766 companies, not a prediction for Septeo Notary Solutions BE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €280,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.17 (1.22 in 2024), below the usual 1.5. Short-term debt is 57.6% and cash 42.7% of total assets. 58.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 days early
2024
23 days early
2023
7 days early
2022
11 days early
2021
58 days early
2020
50 days early
2019
39 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 30 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 10 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
ST
Seven TopCo
Director, Hughes Galambrun, since 30-06-2022
- GIS 100%equity €2.2m (2023) · 2023 annual accounts of GIS
- SEPTEO Belgique 100%score 52equity -€10.2m (2025) · 2025 annual accounts of SEPTEO Belgique
- SAS Septeo consolidatesannual accounts 2025
Recent changes
Reappointment: SRL O. De Bonhome (statutory auditor)
General meeting of 29-05-2026 · Gazette deed
Resignation: Joris MOENS (director)
Appointment: Michael VANHAMME (director) · Director discharge: Joris MOENS · Gazette deed
Appointment: O. De Bonhome - Bureau de Réviseur d'Entreprises (statutory auditor)
General meeting of 30-06-2024 · Gazette deed
Merger: DATA CONSULT takes over GIS
Company renamed to Septeo Notary Solutions BE · Registered office moved to Zaventem · New name: Septeo Notary Solutions BE · General meeting of 29-12-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Septeo Notary Solutions BE Zaventem | €7.3m | €5.4m | 41.8% | 41.9 |
| XPOWER Merelbeke-Melle | €7.9m | €5.9m | 58.8% | 44.8 |
| AURELIUM Kontich | €5.6m | €3.9m | 32.8% | 39.6 |
| SENSOTEC Jabbeke | €5.1m | €4.3m | 27.4% | 34.4 |
| AMINDIS Ottignies-Louvain-la-Neuve | €6.5m | €3.9m | 56.4% | 29 |
| AUCXIS Stekene | €4.3m | €5.1m | 13.8% | 46.7 |
| FARMAD Beveren-Kruibeke-Zwijndrecht | €9.0m | €4.6m | 7.2% | 38.2 |
These companies have the same main activity as Septeo Notary Solutions BE: computer programming (NACE 62100). They are comparable in size and age: total assets between €4.3m and €9m, founded between 1986 and 2000.
Official details
Source: KBO- Status
- Active since 29-10-1987Normal situation
- Activity
- Computer programmingNACE 62100
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment units
- 2.031.920.2671930 Zaventem, since 24-11-2000
- 2.355.644.4064000 Liège, since 01-01-2024
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- ≈ €9.3mestimated
- €7.3m▲ 1.9%
- Employeeson 31-12-2025
- 45
- Filing
- Filed on 10-07-2026, 21 days before the end of the filing period
Insights on Septeo Notary Solutions BE
Septeo Notary Solutions BE files the abbreviated format. That format states no turnover. The gross margin rose from €287,991 in 2006 to €5.4m in 2025.
GIS holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Septeo Notary Solutions BE
- What is the company number of Septeo Notary Solutions BE?
- The company number of Septeo Notary Solutions BE is 0432.462.028. The VAT number is the same number with BE in front: BE 0432.462.028.
- Where is Septeo Notary Solutions BE based?
- The registered office is at Ikaroslaan 36, 1930 Zaventem.Company details
- What does Septeo Notary Solutions BE do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of Septeo Notary Solutions BE?
- Septeo Notary Solutions BE is a private limited company (BV).
- When was Septeo Notary Solutions BE founded?
- Septeo Notary Solutions BE was founded on 29-10-1987.
- Is Septeo Notary Solutions BE still active?
- Yes, Septeo Notary Solutions BE is an active enterprise in the KBO register.
- How many employees does Septeo Notary Solutions BE have?
- Septeo Notary Solutions BE had an average of 41.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Septeo Notary Solutions BE fall under?
- In its 2025 annual accounts, Septeo Notary Solutions BE states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of Septeo Notary Solutions BE?
- The turnover in financial year 2025 is ≈ €9.3m. This figure is estimated from the gross margin of €5.4m and 33 comparable companies (NACE 62100). It probably lies between €7.3m and €11.0m.
- Is Septeo Notary Solutions BE profitable?
- In financial year 2025, Septeo Notary Solutions BE made a profit of €12,556.
- Where can I find the annual accounts of Septeo Notary Solutions BE?
- Septeo Notary Solutions BE filed 38 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Septeo Notary Solutions BE due?
- Septeo Notary Solutions BE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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