Skip to content

SEPHO

Active
Private limited company·Detailhandel in motorbrandstoffen· 5 yrs active
Dokter Depagestraat 58 ·7700 Mouscron, Belgium
KBO/BCE: BE 0752.799.479
Watch Print / PDF
Age5 yrs
Staff (FTE)4
Real estate1 parcel · 226 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SEPHO is 2.1% (moderate). The 2024 annual accounts show equity of €76k and a net result of €72. Its solvency ranks better than 63% of 6698 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 27-06-2025 34 d early 2025-00185537
31-12-2023 31-07-2024 15-07-2024 16 d early 2024-00244462
31-12-2022 31-07-2023 29-09-2023 60 d late 2023-00476191
31-12-2021 31-07-2022 31-10-2022 92 d late 2022-20484884

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2020, 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

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.1% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€72
Working capital€25k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 27-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 33.4% 20.4%
better than 63% of 6698 sector peers
Net result €72 €4k
better than 37% of 6678 sector peers
Equity €76k €16k
better than 81% of 6712 sector peers
Gross operating margin €119k €24k
better than 85% of 6657 sector peers
Staff costs €94k €33k
higher than 82% of 3035 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€18k
Net profit€72
Cash flow€10k
Staff costs€94k
Income taxes€1k
Dividends-
Total assets€228k
Equity€76k
Debt€151k
of which ≤ 1y€58k
of which > 1y€93k
Working capital€25k
Employees (FTE)4.0
Ratios (computed)
2024
Current ratio1.43
Quick ratio0.72
Working capital ratio11.1%
Solvency33.4%
Debt / equity1.99
Long-term debt ratio1.22
Interest coverage2.53
Gross margin-
Net margin-
ROA0.0%
ROE0.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
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€228k
Fixed assets 21/28€144k
Tangible fixed assets 22/27€141k
Financial fixed assets 28€3k
Current assets 29/58€84k
Stocks & contracts in progress 3€42k
Amounts receivable within one year 40/41€9k
Cash & bank 54/58€28k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€228k
Equity 10/15€76k
Contributions / capital 10/11€10k
Accumulated profits (losses) 14€66k
Amounts payable 17/49€151k
Amounts payable after one year 17€93k
Amounts payable within one year 42/48€58k
Trade debts payable within one year 44€21k
Income statement
Gross operating margin 9900€119k
Operating result 9901€8k
Financial income 75€3
Financial charges 65€7k
Result before taxes 9903€1k
Income taxes 67/77€1k
Net result for the period 9904€72
Result to be appropriated 9905€72
Ratios computed by Checked.

Health barometer

FY 2024 · computed
64 / 100 Healthy
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

1 director
Former directors (1)
  • Régis VANLIERDE
    Director
    State Gazette act 25151508 (28-11-2025)
    Former
    - → 30-09-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Detailhandel in motorbrandstoffen(47300)
Legal form Private limited company(610)
Incorporation21-08-2020
StatusActive
Postal code7700

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Dokter Depagestraat 587700 Mouscron

Establishment units

1 location
SEPHO
Dokter Depagestraat 58, 7700 MouscronEetgelegenheden met beperkte bediening
since 20222.332.210.788
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area226 m²
Buildings1
Building footprint48 m²
Volume (LiDAR)165 m³
Tallest building6.8 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
54432C0506/00N000indicative Wallonia 226 m² 1 · 48 m² 6.8 m · 1 fl.
Methodology
via registered seat: 1
0 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

2 acts
All acts · 2 updated 8 months ago
2025
28-11-2025 Régis VANLIERDE resigns as director Director changes
  • Régis VANLIERDE, Bestuurder
Summary: v3.2
2020
25-08-2020 Incorporation of a new SRL Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health64Profitability0Solvency62Growth-Stability79
51 / 100

Mixed profile: strong on stability, weaker on profitability.

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

Health 64
Profitability 0
Solvency 62
Growth -
Stability 79

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soon

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

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.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 160 of the 1,267 companies in this sector. 139 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in motorbrandstoffen in gespecialiseerde winkels47300Detailhandel in motorbrandstoffen47300Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112
Primary activity highlighted.
Names & trade names
Legal nameFR SEPHO
Registered office
Dokter Depagestraat 58
7700 Mouscron, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.