SEPP CONSULTING
ActiveSEPP CONSULTING has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €49k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 52% of 7733 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+6
Solvency79▲+20
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.55 against 1.46 in 2024; short-term debt: 24.3% and cash: 43.9% of total assets), and 46.4% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
53.6%
Return on assets
28.7%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
22 d late
2023
29 d late
2022
31 d late
2021
23 d late
2020
19 d late
2019
24 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▲ 115%
2024 · €43k
2018: €37k
2019: €30k
2020: €23k
2021: €30k
2022: €35k
2023: €98k
2024: €43k
2018 → 2025
Total assets
€172k▲ 36.5%
2024 · €126k
2018: €83k
2019: €73k
2020: €48k
2021: €52k
2022: €66k
2023: €119k
2024: €126k
2018 → 2025
Net result
€49k▲ 96.6%
2024 · €25k
2018: €19k
2019: €-6k
2020: €-6k
2021: €8k
2022: €6k
2023: €63k
2024: €25k
2018 → 2025
Working capital
€65k▲ 74.7%
2024 · €37k
2018: €46k
2019: €23k
2020: €17k
2021: €24k
2022: €28k
2023: €89k
2024: €37k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€35k▲ 17.3%€98k▲ 177%€43k▼ 56.4%€92k▲ 115%
Operating result€9k-€11k▲ 16.3%€86k▲ 713%€37k▼ 56.5%€67k▲ 80.0%
Net result€8k-€6k▼ 20.3%€63k▲ 942%€25k▼ 60.1%€49k▲ 96.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 80% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €172k
Fixed assets
€65k▲ 781%
Current assets
€107k▼ 10.0%
Equity and liabilities €172k
Equity
€92k▲ 115%
Debt
€80k▼ 4.1%
The debt ratio falls from 66.0% to 46.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€72k▲
2024 · €40k
Cash flow
€54k▲
2024 · €28k
Solvency
53.6%▲
2024 · 34.0%
Current ratio
2.55▲
2024 · 1.46
Quick ratio
2.55▲
2024 · 1.46
Debt / equity
0.86▼
2024 · 1.94
ROE
53.5%▼
2024 · 58.5%
ROA
28.7%▲
2024 · 19.9%
Interest coverage
58.30▲
2024 · 13.42
Debt
€80k▼
2024 · €83k
Debt ≤ 1 year
€42k▼
2024 · €81k
Debt > 1 year
€38k▲
2024 · €0
Income taxes
€17k▲
2024 · €10k
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€126k€172k▲
Fixed assets21/28€7k€65k▲
Tangible fixed assets22/27€7k€65k▲
Furniture and vehicles24€1k€61k▲
Other tangible fixed assets26€6k€4k▼
Current assets29/58€119k€107k▼
Amounts receivable within one year40/41€21k€30k▲
Trade receivables40€18k€22k▲
Other amounts receivable41€4k€8k▲
Cash at bank and in hand54/58€92k€75k▼
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€126k€172k▲
Equity10/15€43k€92k▲
Contributions10/11€19k€19k=
Reserves13€24k€24k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€0€49k▲
Amounts payable17/49€83k€80k▼
Amounts payable after more than one year17€0€38k▲
Financial debts170/4€0€38k▲
Amounts payable within one year42/48€81k€42k▼
Current portion of amounts payable after more than one year42€1k€14k▲
Financial debts43€3k€4k▲
Credit institutions430/8€3k€4k▲
Trade debts44€2k€124▼
Suppliers440/4€2k€124▼
Taxes, remuneration and social security45€300€2k▲
Taxes450/3€300€2k▲
Other amounts payable47/48€75k€22k▼
Accrued charges and deferred income492/3€2k€4▼
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€42k€73k▲
Operating profit (loss)9901€37k€67k▲
Financial income75/76B€322€436▲
Recurring financial income75€322€436▲
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€35k€67k▲
Income taxes67/77€10k€17k▲
Profit (loss) for the period9904€25k€49k▲
Profit (loss) for the period to be appropriated9905€25k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€49k▲
Transfer from equity791/2€92k€0▼
Transfer to equity691/2€24k€0▼
To other reserves6921€24k€0▼
Profit to be distributed694/7€93k€0▼
Return on contributions (dividend)694€93k€0▼
The notes to these accounts (8 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
26-03
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 20/02/2025
- Registered-office move, Bellebroek 6, 9700 Oudenaarde
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €63k ▲942%
Operating result €86k, net result €63k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 5.56
Current ratio from 2.05 to 5.56; short-term debt falls from €27k to €20k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Oudenaarde · 1 establishment unit since 2016
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.
Bellebroek 69700 OudenaardeGround area
3,309 m²
Building footprint
196 m²
Volume, LiDAR
1,094 m³
Parcel 45503A0493/00A000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SEPP CONSULTING
since 20162.254.957.713
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45503A0493/00A000 | Flanders | 3,309 m² | 1 · 196 m² | 6.5 m · 2 fl. |
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
699400P09XBEZJC35338
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 7,185 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-07-2016
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.