SEPHI GROUPE
ActiveSEPHI GROUPE has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €248k and a net result of €46k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 35% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+2
Solvency42▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity short (current ratio 0.6 against 0.59 in 2024; short-term debt: 18.1% and cash: 1.2% of total assets), and 83.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
16.6%
Return on assets
3.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
2 d early
2023
8 d early
2022
18 d late
2021
1 d early
2020
1 d early
2019
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€0
2021 · €0
2021: €0
2021 → 2022
Total assets
€1.49M▼ 2.0%
2024 · €1.52M
2018: €1.80M
2019: €1.78M
2020: €1.69M
2021: €1.62M
2022: €1.55M
2023: €1.61M
2024: €1.52M
2018 → 2025
Net result
€46k▲ 112%
2024 · €22k
2018: €51k
2019: €73k
2020: €17k
2021: €17k
2022: €37k
2023: €34k
2024: €22k
2018 → 2025
Working capital
€-109k▲ 6.2%
2024 · €-116k
2018: €-141k
2019: €-167k
2020: €-121k
2021: €-108k
2022: €-109k
2023: €-168k
2024: €-116k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0-€0
Equity€146k-€179k▲ 22.1%€197k▲ 10.3%€210k▲ 6.5%€248k▲ 18.1%
Operating result€41k-€55k▲ 33.9%€49k▼ 10.8%€51k▲ 4.6%€53k▲ 4.4%
Net result€17k-€37k▲ 119%€34k▼ 6.6%€22k▼ 36.7%€46k▲ 112%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.49M
Fixed assets
€1.33M▼ 1.7%
Current assets
€160k▼ 4.5%
Equity and liabilities €1.49M
Equity
€248k▲ 18.1%
Debt
€1.24M▼ 5.2%
The debt ratio falls from 86.2% to 83.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€140k▼
2024 · €159k
Cash flow
€133k▲
2024 · €129k
Solvency
16.6%▲
2024 · 13.8%
Current ratio
0.60▲
2024 · 0.59
Quick ratio
0.60▲
2024 · 0.59
Debt / equity
5.02▼
2024 · 6.25
ROE
18.7%▲
2024 · 10.4%
ROA
3.1%▲
2024 · 1.4%
Interest coverage
5.76▼
2024 · 5.84
Debt
€1.24M▼
2024 · €1.31M
Debt ≤ 1 year
€269k▼
2024 · €284k
Debt > 1 year
€964k▼
2024 · €1.01M
Income taxes
€3k▲
2024 · €2k
Staff costs
€132k▼
2024 · €155k
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€1.52M€1.49M▼
Fixed assets21/28€1.35M€1.33M▼
Intangible fixed assets21€661€431▼
Tangible fixed assets22/27€1.11M€1.09M▼
Land and buildings22€1.02M€978k▼
Plant, machinery and equipment23€17k€53k▲
Furniture and vehicles24€71k€55k▼
Financial fixed assets28€245k€245k=
Current assets29/58€168k€160k▼
Amounts receivable within one year40/41€136k€133k▼
Trade receivables40€134k€111k▼
Other amounts receivable41€2k€22k▲
Cash at bank and in hand54/58€23k€18k▼
Deferred charges and accrued income490/1€8k€9k▲
Equity and liabilities
Total equity and liabilities10/49€1.52M€1.49M▼
Equity10/15€210k€248k▲
Contributions10/11€20k€20k=
Outside capital11-€20k
Other1109/19-€20k
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€188k€226k▲
Amounts payable17/49€1.31M€1.24M▼
Amounts payable after more than one year17€1.01M€964k▼
Financial debts170/4€1.01M€962k▼
Other amounts payable178/9€3k€3k=
Amounts payable within one year42/48€284k€269k▼
Current portion of amounts payable after more than one year42€101k€99k▼
Trade debts44€44k€61k▲
Suppliers440/4€44k€61k▲
Taxes, remuneration and social security45€37k€27k▼
Taxes450/3€23k€11k▼
Remuneration and social security454/9€14k€15k▲
Other amounts payable47/48€102k€83k▼
Accrued charges and deferred income492/3€17k€9k▼
Income statement
Code20242025
Remuneration, social security and pensions62€155k€132k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€107k€87k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€9k€9k▲
Gross operating margin9900€323k€282k▼
Operating profit (loss)9901€51k€53k▲
Financial income75/76B€3€20k▲
Recurring financial income75€3€20k▲
Financial charges65/66B€27k€24k▼
Recurring financial charges65€27k€24k▼
Profit (loss) for the period before taxes9903€24k€49k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€22k€46k▲
Profit (loss) for the period to be appropriated9905€22k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€197k€234k▲
Profit (loss) brought forward from the previous period14P€175k€188k▲
Profit to be distributed694/7€9k€8k▼
Employees696€9k€8k▼
The notes to these accounts (12 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €210k ▲6.5%
7 profitable years in a row build equity to €210k.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Equity above €150kEq €179k ▲22.1%
5 profitable years in a row build equity to €179k.
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €17k ▼77.3%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Highest result since 2018net €73k ▲41.7%
Operating result €101k, net result €73k, both a record.
31-12
Financial
Equity above €100kEq €113k ▲46.9%
2 profitable years in a row build equity to €113k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sprimont · 1 establishment unit since 2015
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.
Haie des Chênes(DLX) 124140 SprimontGround area
6,110 m²
Building footprint
291 m²
Volume, LiDAR
1,238 m³
Parcel 62028C0785/00P000, Wallonia · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SEPHI GROUPE
since 20152.241.092.651
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62028C0785/00P000 | Wallonia | 6,110 m² | 1 · 291 m² | 5.9 m · 1 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
De Landbouw
BE 1007.428.241
Lille · Eq €248k
HUYGHE
BE 0432.207.254
Roeselare · Eq €247k
BRUNIMMO
BE 0863.830.827
Brunehaut · Eq €248k
SAGEL
BE 0457.701.032
Elsene · Eq €248k
BERREVOETS INVEST
BE 0460.554.614
Beringen · Eq €247k
Of 12,023 companies in sector 68203 we hold annual accounts for 5,986. 4,338 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2015
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
69201Certified accountants and tax accountants
69202Legal and accounting activities
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.