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Generated 12-08-2026
Active BE 0798.987.515Private limited company

Septennium R.E.

Werchtersesteenweg 126 ·3150 Haacht, Belgium· 3 yrs active
Sector: Activiteiten van holdings (64210)
Conclusion Checked

Septennium R.E. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show negative equity (€-138k) and a net result of €-110k. Its solvency ranks better than 5% of 3139 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €-138k
Net result €-110k
Better than sector 5%
Active 3 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health-Profitability100Solvency67Growth32Stability94
73 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 100
Solvency 67
Growth 32
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview2 NBB filings
Annual accounts filed on 24-07-2025 with the NBB · fiscal year 2024 · micro
€-150k€-100k€-50k€0Operating result 2023: €-27k€-27kNet result 2023: €-31k€-31kOperating result 2024: €-110k€-110kNet result 2024: €-110k€-110k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -26.2% 52.5%
better than 5% of 3139 sector peers
Net result €-110k €32k
better than 5% of 3135 sector peers
Equity €-138k €75k
better than 5% of 3140 sector peers
Gross operating margin €-108k €52k
better than 5% of 3132 sector peers
Total assets €528k €192k
better than 77% of 3141 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€-110k
-255.6% 23-24
Total assets
€528k
+927.0% 23-24
Equity
€-138k
-393.6% 23-24
Debt
€666k
+738.7% 23-24
Debt ≤ 1y
€10k
+134.4% 23-24
Debt > 1y
€656k
+774.7% 23-24
Solvency
-26.2%
+51.9% 23-24
ROE
79.7%
-28.0% 23-24
ROA
-20.9%
+65.4% 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€-110k
Cash flown/a
Staff costs-
Income taxes-
Dividends-
Total assets€528k
Equity€-138k
Debt€666k
of which ≤ 1y€10k
of which > 1y€656k
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency-26.2%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA-20.9%
ROE79.7%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€528k
Fixed assets 21/28€3k
Formation expenses 20€1k
Tangible fixed assets 22/27€1k
Financial fixed assets 28€1k
Current assets 29/58€524k
Stocks & contracts in progress 3€468k
Amounts receivable within one year 40/41€40k
Cash & bank 54/58€16k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€528k
Equity 10/15€-138k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€-141k
Amounts payable 17/49€666k
Amounts payable after one year 17€656k
Amounts payable within one year 42/48€10k
Trade debts payable within one year 44€3k
Income statement
Gross operating margin 9900€-108k
Operating result 9901€-110k
Financial income 75€0
Financial charges 65€518
Result before taxes 9903€-110k
Net result for the period 9904€-110k
Result to be appropriated 9905€-110k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten van holdings(64210)
Legal form Private limited company(610)
Incorporation01-03-2023
StatusActive
Postal code3150
Connections & network 3 connected companies
Network connections
ALIMCO
Shared address
→
BO-INVEST
Shared address
→
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Establishment units 1 location
Septennium R.E.
Oudstrijderslaan 34, 3140 KeerbergenReparatie en onderhoud van verwarmingsinstallaties
since 20232.342.538.023
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24048B0352/00X000 Flanders 318 m² 1 · 159 m² 10.3 m · 2 fl.
24033C0180/00N003 Flanders 26 m² - -
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
05-01-2026
State Gazette act Statutes amendment
v3.2
2025
24-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
04-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
03-03-2023
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 7 months ago
2026
05-01-2026 Articles of association amended Statutes amendment
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": true,
    "seat_change": true,
    "object_change": false,
    "effective_date": "2025-12-29",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0798.987.515",
    "name_full": "SEPTENNIUM R.E.",
    "legal_form": "BV"
  },
  "signature_regime": null,
  "special_mandates": [],
  "governance_change": {
    "admin_delegated_added": []
  }
}
2023
03-03-2023 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "Oudstrijderslaan 34, 3140 Keerbergen",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1995-03-06",
        "name": "Nicos Van den Brande",
        "niss": null,
        "address": "3140 Keerbergen, Duivebergen 7 B"
      },
      "share_class": "Stemgerechtigde aandelen zonder vermelding van waarde",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 1500.0,
      "holder_person_name": "Nicos Van den Brande",
      "is_subscriber_only": false,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 1500.0,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1962-11-08",
        "name": "Ludo Guido Paul Poppe",
        "niss": null,
        "address": "3140 Keerbergen, Den Beyerd 9"
      },
      "share_class": "Stemgerechtigde aandelen zonder vermelding van waarde",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 1500.0,
      "holder_person_name": "Ludo Guido Paul Poppe",
      "is_subscriber_only": false,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 1500.0,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 3000.0,
  "subject_company": {
    "kbo": "0798.987.515",
    "name_full": "Septennium R.E.",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2023-03-01",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Ontwikkeling van residentiële bouwprojecten41101Activiteiten van holdings64210Ontwikkeling van residentiële bouwprojecten68121Ontwikkeling van niet-residentiële bouwprojecten41102Handel in eigen onroerend goed68110Ontwikkeling van residentiële bouwprojecten68121Ontwikkeling van niet-residentiële bouwprojecten68122Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Overige maatschappelijke dienstverlening met huisvesting, neg87999Overige persoonlijke diensten96999
Primary activity highlighted.
Names & trade names
Legal nameNL Septennium R.E.
Trade nameNL Abric
Registered office
Werchtersesteenweg 126
3150 Haacht, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative