Financials
- Financial year
- 2024
- Total assets
- €51,779
- Loss
- -€7,897
- Solvency
- -0.5%
Total assets▼ 20.2%
Net result
20182024
SEPHI INVEST
ActiveSummary
The computed 12-month bankruptcy probability of SEPHI INVEST is 2.7% (moderate). The 2024 annual accounts show negative equity (-€268) and a net result of -€7,897. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 19,156 sector peers (NACE 68, financial year 2024). The company has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Buying and selling of own real estate
NACE 68110Real estate agency activities NACE 68310
1 site
Size
€51,779total assets 2024
- Staff
- 1.2 FTE
- Equity
- -€268
- Loss
- -€7,897
Turnover not published (micro format)
Structure
- Largest shareholder
- PEREZ Invest · 25%
- EQUITY & CAPITAL GROUPDirector · permanent representative Amor ANGELI
- PEREZ InvestDirector · permanent representative Dari PEREZ ZAOUCHI
- XVG InvestDirector · permanent representative Xavier GIUNTA
Accounts 84 days overdue3 of 6 deeds read
Why 49raises risk1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 lateFigures for financial year 2024 (filed 01-10-2025)lowers riskSector: Real estate activities (NACE 68)Size: total assets €51,779Show the evidence
Checked score
Score 2024
49
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 9% of its sector peers (NACE 68, micro)
Financial strength · tick = 2023
Weak
Solvency
24-13
equity -0.5% of total assets
Liquidity
7+6
short-term debt 100.5% · cash 5.3%
Profitability
0=
return on assets -15.3%
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 2.5%
12-2024: 2.5%● unchanged vs 11-2024
01-2025: 2.5%● unchanged vs 12-2024
02-2025: 2.5%● unchanged vs 01-2025
03-2025: 2.7%▲ +0.2 percentage points vs 02-2025
04-2025: 2.6%▼ -0.1 percentage points vs 03-2025
05-2025: 2.6%● unchanged vs 04-2025
06-2025: 2.5%▼ -0.1 percentage points vs 05-2025
07-2025: 2.4%▼ -0.1 percentage points vs 06-2025
08-2025: 3.2%▲ +0.8 percentage points vs 07-2025
09-2025: 3.6%▲ +0.4 percentage points vs 08-2025
10-2025: 4.8%▲ +1.2 percentage points vs 09-2025highest value
11-2025: 1.7%▼ -3.1 percentage points vs 10-2025
12-2025: 1.7%● unchanged vs 11-2025
01-2026: 1.7%● unchanged vs 12-2025lowest value
02-2026: 1.7%● unchanged vs 01-2026lowest value
03-2026: 1.7%● unchanged vs 02-2026
04-2026: 1.7%● unchanged vs 03-2026
05-2026: 1.7%● unchanged vs 04-2026
06-2026: 1.7%● unchanged vs 05-2026
07-2026: 1.7%● unchanged vs 06-2026
08-2026: 2.1%▲ +0.4 percentage points vs 07-2026
09-2026: 2.4%▲ +0.3 percentage points vs 08-2026
10-2026: 2.7%▲ +0.3 percentage points vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.87, compared with 1.01 in 2023, below 1; short-term debt: 100.5% and cash: 5.3% of total assets), and equity is negative.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 68, micro): better than 19% on solvency, 9% on liquidity, 4% on profitability and 5% on growth.
The bankruptcy probability was computed on 22-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Seven signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€268
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 84 days later.
NBB · 8 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline23-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 8 filingsDeviation from the deadline
2025
not filed
2024
61 days late
2023
44 days late
2022
30 days late
2021
31 days late
2020
30 days late
2019
215 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 69 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (1)
- Annual accounts filedfinancial year 2024 · micro…
- Annual accounts filedfinancial year 2023 · micro…
- Resignation: Sébastien VANDERPERRE (director)Appointments: EQUITY & CAPITAL GROUP…
Key points
- Risk: Negative equityfinancial year 2024: debts exceed assets -€268 View
- Caution: Accounts not fileddeadline was 31-07-2026 84 days late View
- Caution: Among the weakest 20% on solvencysector median 31.1% · 19,156 companies -0.5% View
- Caution: 2 loss-making years in a rowloss financial year 2024 -€7,897 View
By topic
Board & ownership
- Board
- 3 members
- Largest shareholder
- PEREZ Invest · 25%
- EQUITY & CAPITAL GROUPDirector
- PEREZ InvestDirector
- XVG InvestDirector
Network & group
- Connected companies
- 1
Timeline
- Events
- 15
- Since
- 2018
- 28-06-2024Resignation: Lamot Eric (director)
- 23-10-2023Resignation: Pierre Murat (director)
- 30-08-2023Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Buying and selling of own real estateNACE 68110
- Founded
- 16-01-2017
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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