SEPTY
ActiveSummary
SEPTY has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €241 and a net result of €13,533. Equity is shrinking by ~42.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 10% of 9574 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▲+2
Solvency25▲+6
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
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Signals
Four 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 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
0.1%
Return on assets
4.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 9574 sector peers (2025).
NBB · sector comparisonPosition among 9574 sector peers
Solvency
better than 10%
← weakest
strongest →
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 10-05-2026, 82 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
82 d early
2024
67 d early
2023
8 d early
2022
31 d early
2021
59 d late
2020
57 d late
2019
31 d late
← 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 6 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% 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. Usually files around 30 June (4 of the last 5 filed years within 51 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€241
2024 · -€13,292
Total assets
€332,789▲ 44.9%
2024 · €229,590
Net result
€13,533▲ 164%
2024 · €5,127
Working capital
-€8,536▲ 65.5%
2024 · -€24,747
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, 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
Operating result-€7,496▼ 8.0%€3,391-€6,279€9,766€18,642▲ 90.9%
Net result-€12,005below the sector's middle half▼ 22.3%€391below the sector's middle half-€10,023below the sector's middle half€5,127within the sector's middle half€13,533within the sector's middle half▲ 164%
Equity-€8,787below the sector's middle half-€8,396below the sector's middle half▲ 4.4%-€18,419below the sector's middle half▼ 119%-€13,292below the sector's middle half▲ 27.8%€241below the sector's middle half
Total assets€315,191within the sector's middle half▼ 6.4%€280,076within the sector's middle half▼ 11.1%€256,343within the sector's middle half▼ 8.5%€229,590within the sector's middle half▼ 10.4%€332,789above the sector's middle half▲ 44.9%
Debt€323,978▼ 2.9%€288,472▼ 11.0%€274,762▼ 4.8%€242,881▼ 11.6%€332,548▲ 36.9%
Working capital€4,126below the sector's middle half▼ 77.2%-€7,042below the sector's middle half-€23,419below the sector's middle half▼ 233%-€24,747below the sector's middle half▼ 5.7%-€8,536below the sector's middle half▲ 65.5%
Solvency-2.8%below the sector's middle half▼ 3.7pp-3.0%below the sector's middle half▼ 0.2pp-7.2%below the sector's middle half▼ 4.2pp-5.8%below the sector's middle half▲ 1.4pp0.1%below the sector's middle half▲ 5.9pp
Current ratio1.08below the sector's middle half▼ 0.450.86below the sector's middle half▼ 0.230.64below the sector's middle half▼ 0.220.61below the sector's middle half▼ 0.030.87below the sector's middle half▲ 0.26
Return on assets (ROA)-3.8%below the sector's middle half▼ 0.9pp0.1%below the sector's middle half▲ 3.9pp-3.9%below the sector's middle half▼ 4.0pp2.2%within the sector's middle half▲ 6.1pp4.1%within the sector's middle half▲ 1.8pp
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 91% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €332,789
Fixed assets
€276,498 ▲ 44.4%
Current assets
€56,291 ▲ 47.8%
Equity and liabilities €332,789
Equity
€241
Debt
€332,548
Debt finances 99.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€29,955▼
2024 · €33,017
Cash flow
€24,846▼
2024 · €28,378
Interest coverage
6.93▼
2024 · 9.65
Debt ≤ 1 year
€64,827▲
2024 · €62,820
Debt > 1 year
€266,472▲
2024 · €180,061
Income taxes
€787▼
2024 · €1,218
Equity ratios withheld: equity of €241 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,375 companies that looked in July 2024 the way this one looks now, 2.2% went bankrupt within 24 months and 96% are still going.
- Micro
- 10 to 20 years old
- solvency under 10%
- a profit under 5% of the balance sheet
2.2%
went bankrupt
1.6%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 1,375 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €23,251 | €23,251 | €23,251 | €23,251 | €11,313 | ▼ 51.3% |
| Other operating charges640/8 | €2,550 | €1,345 | €3,475 | €1,412 | €2,687 | ▲ 90.3% |
| Gross operating margin9900 | €18,305 | €27,987 | €20,447 | €34,429 | €32,642 | ▼ 5.2% |
| Operating profit (loss)9901 | -€7,496 | €3,391 | -€6,279 | €9,766 | €18,642 | ▲ 90.9% |
| Financial income75/76B | - | €1,111 | €39 | - | - | - |
| Recurring financial income75 | - | €1,111 | €39 | - | - | - |
| Non-recurring financial income76B | - | €1,111 | - | - | - | - |
| Financial charges65/66B | €4,509 | €4,111 | €3,783 | €3,421 | €4,322 | ▲ 26.3% |
| Recurring financial charges65 | €4,509 | €4,111 | €3,783 | €3,421 | €4,322 | ▲ 26.3% |
| Profit (loss) for the period before taxes9903 | -€12,005 | €391 | -€10,023 | €6,345 | €14,320 | ▲ 126% |
| Income taxes67/77 | - | - | - | €1,218 | €787 | ▼ 35.4% |
| Profit (loss) for the period9904 | -€12,005 | €391 | -€10,023 | €5,127 | €13,533 | ▲ 164% |
| Profit (loss) for the period to be appropriated9905 | -€12,005 | €391 | -€10,023 | €5,127 | €13,533 | ▲ 164% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €315,191 | €280,076 | €256,343 | €229,590 | €332,789 | ▲ 44.9% |
| Fixed assets21/28 | €261,269 | €238,018 | €214,767 | €191,516 | €276,498 | ▲ 44.4% |
| Tangible fixed assets22/27 | €261,269 | €238,018 | €214,767 | €191,516 | €276,498 | ▲ 44.4% |
| Land and buildings22 | €209,734 | €203,661 | €197,589 | €191,516 | €185,444 | ▼ 3.2% |
| Plant, machinery and equipment23 | - | - | - | - | €1,909 | - |
| Furniture and vehicles24 | €51,535 | €34,357 | €17,178 | - | €89,146 | - |
| Current assets29/58 | €53,922 | €42,058 | €41,576 | €38,073 | €56,291 | ▲ 47.8% |
| Amounts receivable within one year40/41 | €1,699 | €5,403 | €87 | €2,338 | €15,063 | ▲ 544% |
| Trade receivables40 | - | €5,403 | - | €1,694 | €9,922 | ▲ 486% |
| Other amounts receivable41 | €1,699 | - | €87 | €644 | €5,141 | ▲ 699% |
| Cash at bank and in hand54/58 | €14,635 | €7,511 | €16,036 | €12,029 | €13,473 | ▲ 12.0% |
| Deferred charges and accrued income490/1 | €37,588 | €29,144 | €25,453 | €23,706 | €27,755 | ▲ 17.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €315,191 | €280,076 | €256,343 | €229,590 | €332,789 | ▲ 44.9% |
| Equity10/15 | -€8,787 | -€8,396 | -€18,419 | -€13,292 | €241 | ▲ 102% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | €18,600 | €18,600 | - | - | - |
| Issued capital100 | €18,600 | €18,600 | €18,600 | - | - | - |
| Profit (loss) carried forward14 | -€27,387 | -€26,996 | -€37,019 | -€31,892 | -€18,359 | ▲ 42.4% |
| Amounts payable17/49 | €323,978 | €288,472 | €274,762 | €242,881 | €332,548 | ▲ 36.9% |
| Amounts payable after more than one year17 | €269,809 | €239,372 | €209,767 | €180,061 | €266,472 | ▲ 48.0% |
| Financial debts170/4 | €269,809 | €239,372 | €209,767 | €180,061 | €266,472 | ▲ 48.0% |
| Amounts payable within one year42/48 | €49,796 | €49,100 | €64,995 | €62,820 | €64,827 | ▲ 3.2% |
| Current portion of amounts payable after more than one year42 | - | - | €29,605 | €29,605 | €13,590 | ▼ 54.1% |
| Financial debts43 | €28,772 | €29,605 | - | - | - | - |
| Credit institutions430/8 | €28,772 | €29,605 | - | - | - | - |
| Trade debts44 | €1,224 | - | €1,065 | €1,608 | €8,768 | ▲ 445% |
| Suppliers440/4 | €1,224 | - | €1,065 | €1,608 | €8,768 | ▲ 445% |
| Taxes, remuneration and social security45 | - | €1,401 | - | €3,456 | €1,812 | ▼ 47.6% |
| Taxes450/3 | - | €1,401 | - | €3,456 | €1,812 | ▼ 47.6% |
| Other amounts payable47/48 | €19,800 | €18,094 | €34,325 | €28,151 | €40,658 | ▲ 44.4% |
| Accrued charges and deferred income492/3 | €4,373 | - | - | - | €1,250 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€12,005 | €391 | -€10,023 | €5,127 | €13,533 | ▲ 164% |
| + Depreciation and write-downs630 | €23,251 | €23,251 | €23,251 | €23,251 | €11,313 | ▼ 51.3% |
| Operating cash flow (approximation) | €11,246 | €23,642 | €13,228 | €28,378 | €24,846 | ▼ 12.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€0 | -€96,295 | ▼ 74,073,223% |
| Change in cash | - | -€7,124 | €8,525 | -€4,007 | €1,444 | ▲ 136% |
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
21-08
State Gazette act
Resignation: Ilse Plancke (director)3 facts ▸
State Gazette act
Resignation: Ilse Plancke (director)
3 facts ▸
- General meeting, 04-05-2026
- Director resignation, Ilse Plancke (director)
- Director in office, Philippe Segers ((enige) bestuurder)
10-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €13,533 ▲164%
Operating result €18,642, net result €13,533, both a record.
25-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €5,127
Net result €5,127 after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €391
Net result €391 after 4 loss-making years.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 59 days late
2021
31-12
Financial
Weakest financial yearnet -€12,005
Net result drops to -€12,005, the lowest in the series; recovery starts the following year.
26-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 57 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
Show earlier events
2019
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 48 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 56 days late
2017
09-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 70 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
3 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Schilde · 1 establishment unit since 2015
Ground area
2,386 m²
Building footprint
291 m²
Volume, LiDAR
1,321 m³
Parcel 11039A0411/00F000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SEPTY
since 20152.246.145.757
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039A0411/00F000 | Flanders | 2,386 m² | 1 · 291 m² | 8.9 m · 2 fl. |
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.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Ilse Plancke |
|
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Of 18,254 companies in sector 71111 we hold annual accounts for 6,323. 160 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
Founded09-07-2015
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
68121Development of residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0633711589
Also
9925:BE0633711589
Registered
19-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.