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SEPACH

Active
Public limited companyfounded 200521 yrs activeAvenue des Chardonnerets 5, 1390 Grez-Doiceau, BelgiumKBO/BCE: BE 0872.545.484
Summary

SEPACH has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €344,495 and a net result of -€8,926. Equity is shrinking by ~4.7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
SEPACHActiveChecked score 84/100
Risk analysis ReportCompare

Overview

Activity
Activity not known1 site
Size
€491,246total assets 2025
Equity
€344,495
Loss
-€8,926
Financial health
84 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Accounts 84 d early0 of 4 deeds read
Why 84- Liquidity: current ratio 0.00, cash €50+ Size: total assets €491,246+ Founded in 2005+ Figures for FY 2025 (filed 12-05-2026)Show the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Better than 40% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 95+1
equity 70.1% of total assets
Liquidity 38+1
short-term debt 29.9% · cash 0.0%
Profitability 66+1
return on assets -1.8%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▲ +13.6% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%● 0.0% vs 02-2025 04-2025: 0.2%▼ -8.2% vs 03-2025 05-2025: 0.2%▼ -4.9% vs 04-2025lowest value 06-2025: 0.4%▲ +105% vs 05-2025 07-2025: 0.4%● 0.0% vs 06-2025 08-2025: 0.4%● 0.0% vs 07-2025 09-2025: 0.4%● 0.0% vs 08-2025 10-2025: 0.4%● 0.0% vs 09-2025 11-2025: 0.4%● 0.0% vs 10-2025 12-2025: 0.4%● 0.0% vs 11-2025 01-2026: 0.5%▲ +12.6% vs 12-2025 02-2026: 0.5%● 0.0% vs 01-2026 03-2026: 0.5%▲ +6.5% vs 02-2026highest value 04-2026: 0.5%▼ -6.3% vs 03-2026 05-2026: 0.5%▼ -0.6% vs 04-2026 06-2026: 0.3%▼ -38.9% vs 05-2026 07-2026: 0.3%● 0.0% vs 06-2026 08-2026: 0.3%● 0.0% vs 07-2026 09-2026: 0.3%● 0.0% vs 08-2026 10-2026: 0.3%● 0.0% vs 09-2026
  • Liquidity: current ratio 0.00, cash €50 raises the probability
  • Size: total assets €491,246 lowers the probability for this profile
  • Founded in 2005 lowers the probability for this profile
  • Figures for FY 2025 (filed 12-05-2026) lowers the probability
Credit up to €25,000 at 30 days acceptable
Liquidity short (current ratio 0.0 against 0.0 in 2024; short-term debt: 29.9% and cash: 0% of total assets), and 29.9% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 59%, liquidity 21%, profitability 44%, growth against the median 36%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 0.00, cash €50
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: total assets €491,246
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 2005
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Figures for FY 2025 (filed 12-05-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€8,926
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 08-05-2026, 84 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
84 d early
2024
69 d early
2023
79 d early
2022
86 d early
2021
83 d early
2020
79 d early
2019
43 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 75 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 9 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€8,926 View
  • Total assets 20256 fiscal years filed €491,246 View

By topic

Financials

Fiscal year
2025
Total assets
€491,246
Loss
-€8,926
Solvency
70.1%
Total assets▼ 3.5%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 08-05-2026Annual accounts filed
  2. 23-05-2025Annual accounts filed
  3. 13-05-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Founded
16-03-2005
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

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