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SEPHIA HOLDING

Active
Private limited companyfounded 2013active for 12 yearsAlbert Lancasterlaan 77, 1180 Ukkel, BelgiumKBO/BCE: BE 0542.731.034
Summary

SEPHIA HOLDING has been active since 2013 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35,411 and a net result of -€7,654. Equity has been shrinking by about 4.1% per year since 2018. Its solvency ranks better than 67% of 10,818 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

Source: KBO
Status
Active since 05-12-2013 Normal situation
Activity
Business and other management consultancy NACE 70200
Establishment unit
2.233.181.807 1180 Ukkel, since 05-12-2013
Financial year end
31 December
Peppol
Reachable since 17-07-2026

Board and ownership

Board
Holdings
Shares in 1 company Sephia ApS

Financial position

85 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
-€4,017
▲ 40.0%
Loss
€7,654
▼ 25.9%
Equity
€35,411
▼ 17.8%
Total assets
€50,097
▼ 2.9%
Score breakdownraises riskLoss of €7,654, the second in a row (financial year 2025)lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €50,097Equity €35,411 (70.7% of total assets)Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 29% of micro companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2024
Average
Solvency 96-4
equity 70.7% of total assets
Liquidity 44-2
short-term debt 29.3% · cash 5.0%
Profitability 0=
return on assets -15.3%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,536 companies, NACE 70, micro)
Last 24 months 12-2024: 0.6%highest value 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.5%▼ -0.1 percentage points vs 06-2025 08-2025: 0.5%● unchanged vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.2%▼ -0.3 percentage points vs 06-2026lowest value 08-2026: 0.2%● unchanged vs 07-2026lowest value 09-2026: 0.2%● unchanged vs 08-2026lowest value 10-2026: 0.2%● unchanged vs 09-2026lowest value 11-2026: 0.2%● unchanged vs 10-2026lowest value
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.19 (0.16 in 2024), below 1. Short-term debt is 29.3% and cash 5% of total assets. 29.3% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 70, micro). It does better than 67% of them on solvency, 24% on liquidity, 4% on profitability and 23% on growth.

The bankruptcy probability was computed on 03-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
raises risk · Loss of €7,654, the second in a row (financial year 2025)
NBB · annual accounts
lowers risk · Size: total assets €50,097
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Equity €35,411 (70.7% of total assets)
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 -€7,654
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 24-06-2026, 37 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
37 days early
2024
37 days early
2023
41 days early
2022
28 days early
2021
38 days early
2020
46 days late
2019
88 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 7 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: 4 loss-making years in a rowloss in financial year 2025 -€7,654 View
  • Caution: Lower net result than 83% of companies in head offices and management consultancysector median €37,637 · 10,818 companies -€7,654 View
  • Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View

Recent changes

  1. · Gazette deed Reappointment: Sonny SOEWARTA (director)
  2. · Gazette deed Registered office moved from Bruxelles to UccleNew seat: 1180 Uccle, Avenue Albert Lancaster 77 · Previous seat: Rue de l'Aurore 4 - 1000 Bruxelles
  3. · Gazette deed Incorporation
All 18 events

Comparable companies

These companies have the same main activity as SEPHIA HOLDING: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €47,900 and €60,300, founded between 2011 and 2014.

CompanyTotal assetsGross margin
SEPHIA HOLDING Ukkel€50,097-€4,017
SEN-SO Communication Sensible et Sociétale Ukkel€51,103-€68,007
Nutero Ukkel€53,252-€13,239
CELESTE INVESTMENTS Ukkel€60,258-€2,519
RealValue Ukkel€55,222-€915
MESTRAL Ukkel€56,905-€8,332
RAC 1 GP Brussel€47,853-€8,642
Full comparison

Key facts about SEPHIA HOLDING

What is the company number of SEPHIA HOLDING?
The company number of SEPHIA HOLDING is 0542.731.034. The VAT number is the same number with BE in front: BE 0542.731.034.
Where is SEPHIA HOLDING based?
The registered office is at Albert Lancasterlaan 77, 1180 Ukkel.Company details
What does SEPHIA HOLDING do?
According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
What is the legal form of SEPHIA HOLDING?
The legal form of SEPHIA HOLDING is Private limited company (BV).
When was SEPHIA HOLDING founded?
SEPHIA HOLDING was founded on 05-12-2013.
Is SEPHIA HOLDING still active?
Yes, SEPHIA HOLDING is an active enterprise in the KBO register.
What is the turnover of SEPHIA HOLDING?
The annual accounts for financial year 2025 state no turnover.Financials
Is SEPHIA HOLDING profitable?
In financial year 2025, SEPHIA HOLDING made a loss of €7,654.
Where can I find the annual accounts of SEPHIA HOLDING?
SEPHIA HOLDING filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SEPHIA HOLDING due?
SEPHIA HOLDING must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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