SEPHIA HOLDING
ActiveSEPHIA HOLDING has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €43k and a net result of €-10k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 81% of 4599 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.16 against 1.14 in 2023; short-term debt: 16.6% and cash: 0.3% of total assets), and 16.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
83.4%
Return on assets
-20%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-10k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
41 d early
2022
28 d early
2021
38 d early
2020
46 d late
2019
88 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-10k▼ 20.8%
2023 · €-9k
2018: €-4k
2019: €7k
2020: €-2k
2021: €5k
2022: €-308
2023: €-9k
2018 → 2024
Working capital
€-7k
2023 · €178
2018: €-16k
2019: €-6k
2020: €-5k
2021: €3k
2022: €6k
2023: €178
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€57k-€62k▲ 8.7%€62k▼ 0.5%€53k▼ 13.8%€43k▼ 19.3%
Operating result€-2k-€-5k▼ 148%€-439▲ 91.0%€-8k▼ 1,800%€-10k▼ 20.5%
Net result€-2k-€5k€-308€-9k▼ 2,677%€-10k▼ 20.8%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2024 against €8k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €52k
Fixed assets
€50k▼ 5.5%
Current assets
€1k▼ 8.2%
Equity and liabilities €52k
Equity
€43k▼ 19.3%
Debt
€9k▲ 566%
The debt ratio rises from 2.3% to 16.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-7k▼
2023 · €-5k
Cash flow
€-7k▼
2023 · €-6k
Solvency
83.4%▼
2023 · 97.7%
Current ratio
0.16▼
2023 · 1.14
Quick ratio
0.16▼
2023 · 1.14
Debt / equity
0.20▲
2023 · 0.02
ROE
-24.0%▼
2023 · -16.0%
ROA
-20.0%▼
2023 · -15.6%
Interest coverage
-25.84▲
2023 · -26.48
Debt
€9k▲
2023 · €1k
Debt ≤ 1 year
€9k▲
2023 · €1k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€55k€52k▼
Fixed assets21/28€53k€50k▼
Tangible fixed assets22/27€32k€29k▼
Land and buildings22€32k€29k▼
Financial fixed assets28€21k€21k=
Current assets29/58€1k€1k▼
Amounts receivable within one year40/41€1k€1k▼
Trade receivables40-€1k
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€72€133▲
Equity and liabilities
Total equity and liabilities10/49€55k€52k▼
Equity10/15€53k€43k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Profit (loss) carried forward14€33k€23k▼
Amounts payable17/49€1k€9k▲
Amounts payable within one year42/48€1k€9k▲
Trade debts44€348€524▲
Suppliers440/4€348€524▲
Taxes, remuneration and social security45-€397
Taxes450/3-€397
Other amounts payable47/48€937€8k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€751€424▼
Gross operating margin9900€-5k€-7k▼
Operating profit (loss)9901€-8k€-10k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€204€275▲
Recurring financial charges65€204€275▲
Profit (loss) for the period before taxes9903€-9k€-10k▼
Profit (loss) for the period9904€-9k€-10k▼
Profit (loss) for the period to be appropriated9905€-9k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€23k▼
Profit (loss) brought forward from the previous period14P€41k€33k▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Liquidity triplescurrent ratio 5.87
Current ratio from 2.11 to 5.87; short-term debt falls from €3k to €1k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.11
Current ratio from 0.77 to 2.11; short-term debt falls from €21k to €3k.
15-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 46 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 88 days late
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
26-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 87 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, Ukkel · 1 establishment unit since 2013
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.
Albert Lancasterlaan 771180 UkkelGround area
433 m²
Building footprint
88 m²
Volume, LiDAR
657 m³
Parcel 21612D0059/00Y012, Brussels · tallest building 13.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SEPHIA HOLDING
since 20132.233.181.807
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612D0059/00Y012 | Brussels | 433 m² | 1 · 87 m² | 13.3 m · 3 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
RVD Consulting
BE 1004.495.673
Lier · Eq €43k
SPARKEL COMMUNICATION
BE 0778.359.078
Ronse · Eq €43k
SALESTALES
BE 0764.988.025
Rijkevorsel · Eq €43k
B-Life Consulting
BE 0789.716.392
Sint-Jans-Molenbeek · Eq €43k
WOWWONEN
BE 0798.232.103
Brugge · Eq €43k
Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 37,205 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.