S.E.P.T.
ActiveS.E.P.T. has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233k and a net result of €85k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 63% of 7892 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
75
/ 100
Excellent▲ +4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+36
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 2.22 against 1.27 in 2024), and 42.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
57.4%
Return on assets
21.1%
Age of the figures
14 mo
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
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €233k
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-03-2026, 30 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
on the day
2023
15 d early
2022
1 d early
2021
4 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€233k▲ 57.9%
2024 · €147k
2019: €24k
2020: €62k
2021: €23k
2022: €24k
2023: €61k
2024: €147k
2019 → 2025
Total assets
€405k▼ 1.1%
2024 · €410k
2019: €106k
2020: €183k
2021: €217k
2022: €409k
2023: €396k
2024: €410k
2019 → 2025
Net result
€85k▼ 3.0%
2024 · €88k
2019: €685
2020: €38k
2021: €13k
2022: €874
2023: €39k
2024: €88k
2019 → 2025
Working capital
€12k▲ 125%
2024 · €5k
2019: €24k
2020: €62k
2021: €23k
2022: €24k
2023: €4k
2024: €5k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€24k▲ 3.7%€61k▲ 153%€147k▲ 141%€233k▲ 57.9%
Operating result€38k-€9k▼ 76.7%€-20k€-145▲ 99.3%€-5k▼ 3,379%
Net result€13k-€874▼ 93.5%€39k▲ 4,321%€88k▲ 128%€85k▼ 3.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €145 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €405k
Fixed assets
€384k▼ 0.3%
Current assets
€21k▼ 13.9%
Equity and liabilities €405k
Equity
€233k▲ 57.9%
Debt
€173k▼ 34.2%
The debt ratio falls from 64.0% to 42.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€-4k▼
2024 · €-54
Cash flow
€86k▼
2024 · €88k
Solvency
57.4%▲
2024 · 36.0%
Current ratio
2.22▲
2024 · 1.27
Quick ratio
2.22▲
2024 · 1.27
Debt / equity
0.74▼
2024 · 1.78
ROE
36.7%▼
2024 · 59.7%
ROA
21.1%▼
2024 · 21.5%
Interest coverage
-0.89▼
2024 · -0.01
Debt
€173k▼
2024 · €262k
Debt ≤ 1 year
€10k▼
2024 · €19k
Debt > 1 year
€163k▼
2024 · €243k
Income taxes
€127
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€410k€405k▼
Fixed assets21/28€385k€384k▼
Tangible fixed assets22/27€5k€4k▼
Furniture and vehicles24€5k€4k▼
Financial fixed assets28€380k€380k=
Current assets29/58€25k€21k▼
Amounts receivable within one year40/41€16k€4k▼
Trade receivables40€16k€303▼
Other amounts receivable41-€4k
Cash at bank and in hand54/58€9k€17k▲
Equity and liabilities
Total equity and liabilities10/49€410k€405k▼
Equity10/15€147k€233k▲
Contributions10/11€20k€20k=
Reserves13€127k€213k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€124k€209k▲
Amounts payable17/49€262k€173k▼
Amounts payable after more than one year17€243k€163k▼
Financial debts170/4€243k€163k▼
Amounts payable within one year42/48€19k€10k▼
Trade debts44€1k-
Suppliers440/4€1k-
Taxes, remuneration and social security45€15k€9k▼
Taxes450/3€15k€9k▼
Other amounts payable47/48€3k€567▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€91€1k▲
Other operating charges640/8€525€1k▲
Gross operating margin9900€471€-3k▼
Operating profit (loss)9901€-145€-5k▼
Financial income75/76B€95k€95k=
Recurring financial income75€95k€95k=
Financial charges65/66B€7k€4k▼
Recurring financial charges65€7k€4k▼
Profit (loss) for the period before taxes9903€88k€86k▼
Income taxes67/77-€127
Profit (loss) for the period9904€88k€85k▼
Profit (loss) for the period to be appropriated9905€88k€85k▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€85k▼
Profit (loss) brought forward from the previous period14P€0€0=
Transfer to equity691/2€86k€85k▼
To other reserves6921€86k€85k▼
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
The notes to these accounts (9 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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
30-06
Financial
Equity above €200kEq €233k ▲57.9%
7 profitable years in a row build equity to €233k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €88k ▲128%
Net result €88k, the highest in the series.
30-06
Financial
Equity above €100kEq €147k ▲141%
6 profitable years in a row build equity to €147k.
16-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Liquidity times 5current ratio 5.99
Current ratio from 1.12 to 5.99; short-term debt falls from €193k to €5k.
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
22-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-01
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
5 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, Laarne · 1 establishment unit since 2011
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.
Broekstraat 869270 LaarneGround area
1,336 m²
Building footprint
313 m²
Volume, LiDAR
1,702 m³
Parcel 42010C1036/00R002, Flanders · tallest building 5.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S.E.P.T.
since 20112.204.411.706
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42010C1036/00R002 | Flanders | 1,336 m² | 1 · 313 m² | 5.9 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
Nôa & Co
BE 0454.064.126
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ECOLOGIC CLEANING SERVICES
BE 0435.155.163
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THE CLOSET
BE 0841.556.954
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CLATOM
BE 0651.731.815
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BLUE FASHION
BE 0475.614.952
Antwerpen · Eq €239k
Of 1,268 companies in sector 46160 we hold annual accounts for 682. 483 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2011
Fiscal year end30-06
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47120Other non-specialised retail sale
47910Retail trade
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.