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Complete company report
Generated 19-08-2026
Active BE 0696.724.373Private limited companyOpen bankruptcy

SEMPRE LIFE

Grensstraat 18 ·2270 Herenthout, Belgium· 8 yrs active
Sector: Groothandel in huismeubilair (46471)
Conclusion Checked

A bankruptcy procedure is open for SEMPRE LIFE according to publications in the Belgian State Gazette. The 2021 annual accounts show equity of €413k and a net result of €273k.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €413k
Net result €273k
Staff (FTE) 19
Better than sector 29%
Financial profile 5 of 5 axes measured · computed by Checked
Health6Profitability100Solvency21Growth78Stability0
41 / 100

Fragile profile, watch stability in particular.

All 5 axes are computed from data Checked has read.

Health 6
Profitability 100
Solvency 21
Growth 78
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
50 / 100
High riskRegister: open bankruptcy
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Components
· Open bankruptcy (+50)
Trust signals 2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2021 · computed
6 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2021 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 26-08-2022 with the NBB · fiscal year 2021 · verkort
€-200k€0€200k€400kOperating result 2019: €-53k€-53kNet result 2019: €-79k€-79kOperating result 2020: €152k€152kNet result 2020: €20k€20kOperating result 2021: €428k€428kNet result 2021: €273k€273k201920202021
Operating resultNet result
Sector comparison
Fiscal year 2021 · NACE 46, Wholesale trade · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 12.3% 29.5%
better than 29% of 626 sector peers
Net result €273k €38k
better than 83% of 626 sector peers
Equity €413k €230k
better than 62% of 627 sector peers
Gross operating margin €1.98M €217k
better than 95% of 625 sector peers
Staff costs €1.21M €149k
higher than 95% of 354 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€628k
+148.8% 19-21
Net profit
€273k
+1248.8% 19-21
Cash flow
€473k
+290.8% 19-21
Total assets
€3.36M
+21.4% 19-21
Equity
€413k
+194.4% 19-21
Working capital
€145k
+53.5% 19-21
Employees (FTE)
19
+12.4% 19-21
Staff costs
€1.21M
- 19-21
Show 11 other metrics
Income taxes
€124k
+728.1% 19-21
Debt
€2.95M
+12.2% 19-21
Debt ≤ 1y
€2.39M
+14.0% 19-21
Debt > 1y
€565k
+4.9% 19-21
Current ratio
1.06
+1.5% 19-21
Quick ratio
0.43
+2.4% 19-21
Solvency
12.3%
+142.5% 19-21
Debt / equity
7.15
+86.1% 19-21
ROE
66.0%
+358.1% 19-21
ROA
8.1%
+1011.1% 19-21
Interest coverage
12.99
- 19-21
Figures by fiscal year
Fiscal year2021
Depositverkort
Revenue-
EBITDA€628k
Net profit€273k
Cash flow€473k
Staff costs€1.21M
Income taxes€124k
Dividends-
Total assets€3.36M
Equity€413k
Debt€2.95M
of which ≤ 1y€2.39M
of which > 1y€565k
Working capital€145k
Employees (FTE)19.0
Ratios (computed)
2021
Current ratio1.06
Quick ratio0.43
Working capital ratio4.3%
Solvency12.3%
Debt / equity7.15
Long-term debt ratio1.37
Interest coverage12.99
Gross margin-
Net margin-
ROA8.1%
ROE66.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2021
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2021
Balance sheet, Assets
TOTAL ASSETS 20/58€3.36M
Fixed assets 21/28€833k
Intangible fixed assets 21€307k
Tangible fixed assets 22/27€497k
Financial fixed assets 28€29k
Current assets 29/58€2.53M
Stocks & contracts in progress 3€1.49M
Amounts receivable within one year 40/41€922k
Cash & bank 54/58€106k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3.36M
Equity 10/15€413k
Contributions / capital 10/11€120k
Accumulated profits (losses) 14€293k
Amounts payable 17/49€2.95M
Amounts payable after one year 17€565k
Amounts payable within one year 42/48€2.39M
Trade debts payable within one year 44€286k
Income statement
Gross operating margin 9900€1.98M
Operating result 9901€428k
Financial income 75€17k
Financial charges 65€48k
Result before taxes 9903€396k
Income taxes 67/77€124k
Net result for the period 9904€273k
Result to be appropriated 9905€273k
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 7 directors
Directors derived from a single State Gazette act, under verification
All 5 current directors first appear in the same act (23051015). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
  • GustCo BVLegal entity
    Director· perm. rep.: Gust Bertels
    State Gazette act 23051015 (14-04-2023)
    Current
    14-04-2023 → present
  • Matthew Walters
    Director
    State Gazette act 23051015 (14-04-2023)
    Current
    14-04-2023 → present
  • Timothy Abram
    Director
    State Gazette act 23051015 (14-04-2023)
    Current
    14-04-2023 → present
  • Kelly Van Houdt
    Director
    State Gazette act 23051015 (14-04-2023)
    Current
    10-01-2023 → present
  • KOLSTMAR BVLegal entity
    Director
    State Gazette act 23051015 (14-04-2023)
    Current
    10-01-2023 → present
    2 events
    • 14-04-2023 Appointed· Director
    • 10-01-2023 Appointed· Director
Former directors (2)
  • Christophe Durant
    Director
    State Gazette act 23051015 (14-04-2023)
    Former
    - → 10-01-2023
  • Sofie Faes
    Director
    State Gazette act 23051015 (14-04-2023)
    Former
    - → 10-01-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Directors & mandates1 person
Role Name Tenure Source
Curator PHILIPPE VAN DER HEYDEN
NEETWEG 24, 2220 HEIST- OP-DEN-BERG
 16-10-2023 → present Belgian State Gazette
Legal Structure
NACE primary Groothandel in huismeubilair(46471)
Legal form Private limited company(610)
Incorporation23-05-2018
StatusActive
Postal code2270
First BS signal 20-10-2023
Latest BS signal 20-10-2023
Establishment units 1 location
Sempre Life
Grensstraat 18, 2270 HerenthoutGroothandel in huismeubilair
since 20182.276.082.630
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13012A0392/00E002 Flanders 6,094 m² 1 · 5,528 m² 9.6 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2023
20-10-2023
Bankruptcy Opening
Ondernemingsrechtbank Antwerpen, afdeling Mechelen · SEMPRE LIFE BV GRENS- STRAAT 18, 2270 HERENTHOUT · event 16-10-2023
14-04-2023
State Gazette act Director changes
2022
26-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
27-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
09-11-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
Lifecycle & Insolvency Signals1 events
20-10-2023
Bankruptcy Opening
Date: 16-10-2023 · Ondernemingsrechtbank Antwerpen, afdeling Mechelen · SEMPRE LIFE BV GRENS- STRAAT 18, 2270 HERENTHOUT · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262023-10-20 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgian State Gazette reading coverage 0 of 6 acts read

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 3 years ago
2023
14-04-2023 12 directors appointed, 2 resigning Director changes
  • Kelly Van Houdt, Bestuurder
  • KOLSTMAR BV, Bestuurder
  • GustCo BV, Bestuurder
  • Gust Bertels, Bestuurder
  • KOLSTMAR BV, Bestuurder
  • Timothy Abram, Bestuurder
  • Matthew Walters, Bestuurder
  • Wout Hooyberghs, Gedelegeerd bestuurder
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Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Groothandel in huismeubilair46471Detailhandel in huismeubilair47551Detailhandel in huismeubilair in gespecialiseerde winkels47591Detailhandel in bloemen, planten, zaden en kunstmeststoffen47761
Primary activity highlighted.
Names & trade names
Legal nameNL SEMPRE LIFE
Registered office
Grensstraat 18
2270 Herenthout, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative