SEPIA SOLUTIONS
ActiveSEPIA SOLUTIONS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €808k and a net result of €68k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 93% of 1633 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
short-term debt: 0.9% and cash: 8.9% of total assets, and 6.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
93.3%
Return on assets
7.8%
Age of the figures
9 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
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
1 d early
2023
1 d early
2022
29 d late
2021
2 d early
2020
1 d early
2019
15 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€808k▲ 2.2%
2024 · €790k
2018: €697k
2019: €752k
2020: €800k
2021: €848k
2022: €857k
2023: €812k
2024: €790k
2018 → 2025
Total assets
€865k▼ 6.7%
2024 · €927k
2018: €710k
2019: €782k
2020: €825k
2021: €850k
2022: €858k
2023: €988k
2024: €927k
2018 → 2025
Net result
€68k▼ 1.5%
2024 · €69k
2018: €93k
2019: €55k
2020: €48k
2021: €48k
2022: €9k
2023: €55k
2024: €69k
2018 → 2025
Working capital
€850k▼ 4.9%
2024 · €895k
2018: €684k
2019: €747k
2020: €789k
2021: €837k
2022: €846k
2023: €956k
2024: €895k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€848k-€857k▲ 1.0%€812k▼ 5.3%€790k▼ 2.7%€808k▲ 2.2%
Operating result€66k-€12k▼ 81.3%€72k▲ 482%€95k▲ 31.7%€92k▼ 3.2%
Net result€48k-€9k▼ 81.6%€55k▲ 520%€69k▲ 25.2%€68k▼ 1.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €865k
Fixed assets
€7k▼ 8.4%
Current assets
€858k▼ 6.7%
Equity and liabilities €865k
Equity
€808k▲ 2.2%
Debt
€58k▼ 58.1%
The debt ratio falls from 14.8% to 6.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€93k▼
2024 · €95k
Cash flow
€68k▼
2024 · €69k
Solvency
93.3%▲
2024 · 85.2%
Debt / equity
0.07▼
2024 · 0.17
ROE
8.4%▼
2024 · 8.7%
ROA
7.8%▲
2024 · 7.4%
Interest coverage
707.85▼
2024 · 1761.27
Debt
€58k▼
2024 · €137k
Debt ≤ 1 year
€8k▼
2024 · €25k
Income taxes
€26k▼
2024 · €26k
A ratio outside any meaningful range has been withheld (balance sheet total €865k, equity €808k).
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€927k€865k▼
Fixed assets21/28€8k€7k▼
Tangible fixed assets22/27€3k€3k▼
Furniture and vehicles24€3k€3k▼
Financial fixed assets28€5k€5k=
Current assets29/58€920k€858k▼
Amounts receivable within one year40/41€33k€34k▲
Trade receivables40€31k€26k▼
Other amounts receivable41€2k€8k▲
Current investments50/53€713k€714k▲
Cash at bank and in hand54/58€102k€77k▼
Deferred charges and accrued income490/1€71k€32k▼
Equity and liabilities
Total equity and liabilities10/49€927k€865k▼
Equity10/15€790k€808k▲
Contributions10/11€19k€19k=
Reserves13€770k€788k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€768k€788k▲
Profit (loss) carried forward14€988€988=
Amounts payable17/49€137k€58k▼
Amounts payable within one year42/48€25k€8k▼
Financial debts43€1k€1k▼
Credit institutions430/8€1k€1k▼
Trade debts44€24k€5k▼
Suppliers440/4€24k€5k▼
Taxes, remuneration and social security45-€680
Taxes450/3-€680
Other amounts payable47/48€16€238▲
Accrued charges and deferred income492/3€112k€50k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37€650▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€97k€95k▼
Operating profit (loss)9901€95k€92k▼
Financial income75/76B€32€2k▲
Recurring financial income75€32€2k▲
Financial charges65/66B€54€131▲
Recurring financial charges65€54€131▲
Profit (loss) for the period before taxes9903€95k€94k▼
Income taxes67/77€26k€26k▼
Profit (loss) for the period9904€69k€68k▼
Profit (loss) for the period to be appropriated9905€69k€68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€69k▼
Profit (loss) brought forward from the previous period14P€988€988=
Transfer from equity791/2€91k€50k▼
Transfer to equity691/2€69k€68k▼
To contributions691€69k€68k▼
Profit to be distributed694/7€91k€50k▼
Return on contributions (dividend)694€91k€50k▼
The notes to these accounts (5 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity triplescurrent ratio 112.94
Current ratio from 36.70 to 112.94; short-term debt falls from €25k to €8k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €9k ▼81.6%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity times 18current ratio 620.89
Current ratio from 33.59 to 620.89; short-term debt falls from €24k to €1k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brecht · 1 establishment unit since 2010
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.
Eendrachtslaan 332960 BrechtGround area
1,557 m²
Building footprint
246 m²
Volume, LiDAR
427 m³
Parcel 11009M0065/00L016, Flanders · tallest building 15.4 m. Linked by address, not a title deed.
1 establishment unit
SEPIA SOLUTIONS
since 20102.184.235.112
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11009M0065/00L016 | Flanders | 1,557 m² | 1 · 245 m² | 15.4 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
894500BJVB9VGC908I42
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 3,409 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-2010
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.SepiaSolutions.net
E-mail:info@SepiaSolutions.net