SEPTIMA
ActiveSummary
SEPTIMA has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €184,785 and a net result of €5,014. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 82% of 4577 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81=
Solvency100=
Growth69=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity short (current ratio 0.56 against 0.6 in 2024; short-term debt: 15.6% and cash: 8% of total assets), and 16.6% of the assets are financed with debt.
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Signals
Five 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
83.4%
Return on assets
2.3%
Age of the figures
9 mo
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 25-05-2026, 67 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
67 d early
2024
35 d early
2023
44 d early
2022
43 d early
2021
35 d early
2020
46 d early
2019
33 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 43 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#9 oldest company in Gembloux, Real estate sector
Turnover
€17,080▲ 7.0%
2024 · €15,966
EBIT margin
26.9%▼ 19.2pp
2024 · 46.1%
Net result
€5,014▼ 14.5%
2024 · €5,868
Working capital
-€15,348▼ 32.1%
2024 · -€11,623
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€13,560=€14,010▲ 3.3%€15,745▲ 12.4%€15,966▲ 1.4%€17,080▲ 7.0%
Operating result€2,832-€2,405€3,986€7,367▲ 84.8%€4,599▼ 37.6%
Net result€2,700within the sector's middle half▲ 654%€987within the sector's middle half▼ 63.4%€3,948within the sector's middle half▲ 300%€5,868within the sector's middle half▲ 48.6%€5,014within the sector's middle half▼ 14.5%
EBIT margin20.9%▲ 34.5pp-17.2%▼ 38.1pp25.3%▲ 42.5pp46.1%▲ 20.8pp26.9%▼ 19.2pp
Equity€168,969within the sector's middle half▲ 1.6%€169,956within the sector's middle half▲ 0.6%€173,903within the sector's middle half▲ 2.3%€179,771within the sector's middle half▲ 3.4%€184,785within the sector's middle half▲ 2.8%
Total assets€196,273below the sector's middle half▲ 1.9%€198,100below the sector's middle half▲ 0.9%€203,540below the sector's middle half▲ 2.7%€209,927below the sector's middle half▲ 3.1%€221,672below the sector's middle half▲ 5.6%
Debt€27,305▲ 10.2%€28,145▲ 3.1%€29,636▲ 5.3%€30,156▲ 1.8%€36,887▲ 22.3%
Working capital-€11,798▲ 9.2%-€17,078▼ 44.7%-€19,558▼ 14.5%-€11,623▲ 40.6%-€15,348▼ 32.1%
Solvency86.1%above the sector's middle half▼ 0.3pp85.8%above the sector's middle half▼ 0.3pp85.4%above the sector's middle half▼ 0.4pp85.6%above the sector's middle half▲ 0.2pp83.4%above the sector's middle half▼ 2.3pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €221,672
Fixed assets
€202,365 ▲ 5.0%
Current assets
€19,308 ▲ 11.7%
Equity and liabilities €221,672
Equity
€184,785 ▲ 2.8%
Debt
€36,887 ▲ 22.3%
Debt's share of the balance-sheet total rises from 14.4% to 16.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7,185▼
2024 · €9,435
Cash flow
€7,600▼
2024 · €7,935
Current ratio
0.56▼
2024 · 0.60
Debt to equity
0.20▲
2024 · 0.17
ROE
2.7%▼
2024 · 3.3%
ROA
2.3%▼
2024 · 2.8%
Interest coverage
124.81▼
2024 · 195.09
Debt ≤ 1 year
€34,656▲
2024 · €28,905
Debt > 1 year
€1,601▲
2024 · €1,251
Income taxes
€1,617▼
2024 · €1,967
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 16,986 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €13,560 | €14,010 | €15,745 | €15,966 | €17,080 | ▲ 7.0% |
| Goods, raw materials, services and sundry goods60/61 | €10,766 | €14,348 | €8,940 | €4,842 | €8,152 | ▲ 68.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €578 | €1,184 | €2,068 | €2,586 | ▲ 25.1% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | -€1,500 | - | - | - | - | - |
| Other operating charges640/8 | €1,462 | €1,489 | €1,636 | €1,689 | €1,743 | ▲ 3.1% |
| Gross operating margin9900 | €2,794 | -€338 | €6,805 | €11,124 | €8,928 | ▼ 19.7% |
| Operating profit (loss)9901 | €2,832 | -€2,405 | €3,986 | €7,367 | €4,599 | ▼ 37.6% |
| Financial income75/76B | €2,336 | €3,573 | €1,678 | €516 | €2,089 | ▲ 305% |
| Recurring financial income75 | €2,336 | €3,573 | €1,678 | €516 | €2,089 | ▲ 305% |
| Financial charges65/66B | €130 | €168 | €320 | €48 | €58 | ▲ 19.0% |
| Recurring financial charges65 | €130 | €168 | €320 | €48 | €58 | ▲ 19.0% |
| Profit (loss) for the period before taxes9903 | €5,038 | €1,000 | €5,344 | €7,835 | €6,631 | ▼ 15.4% |
| Income taxes67/77 | €2,338 | €12 | €1,396 | €1,967 | €1,617 | ▼ 17.8% |
| Profit (loss) for the period9904 | €2,700 | €987 | €3,948 | €5,868 | €5,014 | ▼ 14.5% |
| Profit (loss) for the period to be appropriated9905 | €2,700 | €987 | €3,948 | €5,868 | €5,014 | ▼ 14.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €196,273 | €198,100 | €203,540 | €209,927 | €221,672 | ▲ 5.6% |
| Fixed assets21/28 | €182,538 | €188,285 | €194,712 | €192,645 | €202,365 | ▲ 5.0% |
| Tangible fixed assets22/27 | €182,538 | €188,285 | €194,712 | €192,645 | €202,365 | ▲ 5.0% |
| Land and buildings22 | €182,538 | €182,538 | €182,538 | €182,538 | €182,538 | = |
| Plant, machinery and equipment23 | - | €5,747 | €12,174 | €10,107 | €19,109 | ▲ 89.1% |
| Furniture and vehicles24 | - | - | - | - | €717 | - |
| Current assets29/58 | €13,735 | €9,816 | €8,827 | €17,282 | €19,308 | ▲ 11.7% |
| Amounts receivable within one year40/41 | €245 | €698 | €698 | €245 | €728 | ▲ 198% |
| Other amounts receivable41 | €245 | €698 | €698 | €245 | €728 | ▲ 198% |
| Cash at bank and in hand54/58 | €13,490 | €9,118 | €8,129 | €16,133 | €17,640 | ▲ 9.3% |
| Deferred charges and accrued income490/1 | - | - | - | €904 | €940 | ▲ 4.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €196,273 | €198,100 | €203,540 | €209,927 | €221,672 | ▲ 5.6% |
| Equity10/15 | €168,969 | €169,956 | €173,903 | €179,771 | €184,785 | ▲ 2.8% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Issued capital100 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Revaluation surpluses12 | €150,515 | €150,515 | €150,515 | €150,515 | €150,515 | = |
| Profit (loss) carried forward14 | -€138 | €849 | €4,797 | €10,664 | €15,679 | ▲ 47.0% |
| Amounts payable17/49 | €27,305 | €28,145 | €29,636 | €30,156 | €36,887 | ▲ 22.3% |
| Amounts payable after more than one year17 | €1,251 | €1,251 | €1,251 | €1,251 | €1,601 | ▲ 28.0% |
| Other amounts payable178/9 | €1,251 | €1,251 | €1,251 | €1,251 | €1,601 | ▲ 28.0% |
| Amounts payable within one year42/48 | €25,534 | €26,894 | €28,385 | €28,905 | €34,656 | ▲ 19.9% |
| Trade debts44 | €776 | €3,092 | €2,101 | - | €4,551 | - |
| Suppliers440/4 | €776 | €3,092 | €2,101 | - | €4,551 | - |
| Taxes, remuneration and social security45 | €1,259 | €1,022 | €996 | €1,363 | €371 | ▼ 72.8% |
| Taxes450/3 | €1,259 | €1,022 | €996 | €1,363 | €371 | ▼ 72.8% |
| Other amounts payable47/48 | €23,498 | €22,780 | €25,288 | €27,542 | €29,735 | ▲ 8.0% |
| Accrued charges and deferred income492/3 | €520 | - | - | - | €630 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,700 | €987 | €3,948 | €5,868 | €5,014 | ▼ 14.5% |
| + Depreciation and write-downs630 | - | €578 | €1,184 | €2,068 | €2,586 | ▲ 25.1% |
| Operating cash flow (approximation) | €2,700 | €1,566 | €5,132 | €7,935 | €7,600 | ▼ 4.2% |
| Investment in fixed assets (approximation) | - | -€6,325 | -€7,612 | €0 | -€12,306 | - |
| Change in cash | - | -€4,372 | -€989 | €8,004 | €1,507 | ▼ 81.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €5,868 ▲48.6%
Operating result €7,367, net result €5,868, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
18-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
26-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
28-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €3,334
Net result €3,334 after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Gembloux · 1 establishment unit since 1994
Ground area
401 m²
Building footprint
72 m²
Parcel 92053D0964/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Culot 50 5, 5030 Gembloux
since 19942.048.666.724
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92053D0964/00E000 | Wallonia | 401 m² | 1 · 72 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,757 companies in sector 68310 we hold annual accounts for 6,907. 5,221 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-06-1990
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0440745432
Also
9925:BE0440745432
Registered
23-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.