Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 9 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
SEPTUA from Herstal, company number BE0658811726, closed financial year 2024 with a result of € -99,106 after tax. For that financial year SEPTUA recorded revenue of € 321,447 and equity of € 1.6 million. Compared with financial year 2022, the result moved from € 641 to € -99,106. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 17, 2025.
€ 1.6 million
▼ 10% vs 2022
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -99,106
▼ still € 641 profit in 2022
Profit after tax over the fiscal year.
€ 114,598
▲ 93% vs 2022
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -161,109.
People and assets in 2024
0
Average over the fiscal year, from the social balance sheet.
€ 134
▲ 4% vs 2022
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2024
€ 1.4 million
▲ 122% vs 2022
€ 97,665 is repaid this year. At this pace the long-term loan is gone in ≈ 14 years.
€ 788,579
▲ 150% vs 2022
Supplier invoices still open on the last day of the fiscal year.
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| 2021 | 2022 | 2024 | Change 2022 → 2024 | |
|---|---|---|---|---|
| Revenue | € 286,250 | € 279,088 | € 321,447 | ▲ 15% |
| Gross margin | € 167,543 | € 160,976 | € 168,752 | ▲ 5% |
| Profit after taxes | € 1,154 | € 641 | € -99,106 | ▼ € 99,746 |
| Equity | € 1,788,938 | € 1,789,579 | € 1,606,449 | ▼ 10% |
| Total debts | € 1,011,181 | € 1,311,193 | € 2,605,314 | ▲ 99% |
| Cash | € 226,790 | € 59,347 | € 114,598 | ▲ 93% |
| Land & buildings | € 2,562,833 | € 3,019,128 | € 4,083,878 | ▲ 35% |
| Retained profit | € 21,380 | € 22,021 | € -161,109 | ▼ € 183,129 |
| Bank debt | € 539,676 | € 623,740 | € 1,384,472 | ▲ 122% |
| Balance sheet total | € 2,807,119 | € 3,103,271 | € 4,211,763 | ▲ 36% |
| Employees (FTE) | 0.8 | 0 | 0 |
Key figures of SEPTUA, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to SEPTUA?
What happened at SEPTUA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 99,106 (▼ € 99,746 vs 2022). Source: NBB ↗
- New establishment in Herstal. KBO
- Start of the company according to the CBE. KBO
In short
From € 1,154 profit in 2021 to € 99,106 loss in 2024.
Paid € 919 in corporate taxes since 2021.
Best year ever: 2021, with € 1,154 profit.
A new publication or filing at SEPTUA? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of Association interrégionale Guidance et de Santé comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
SEPTUABehind SEPTUA are Marc GARCET, Jeannette JOBE, Luc JANSEN, Melinda LA ROCCA , Anne-Laure GEORIS and Albert CREPIN. The shares are held by Association interrégionale Guidance et de Santé (99.2%).
Directors
According to the 2024 annual accounts
Marc GARCET
Managing director
Jeannette JOBE
Vice-chairman of the board
Luc JANSEN
Chairman of the board
Also active at: L'ELAN, Le Tilleul, Le Plope, ECODIPAR, WORK'INN, LES FEES DU SERVICE
Anne-Laure GEORIS
Director
Albert CREPIN
Vice-chairman of the board
Eric FRANCOIS
Director
Also active at: Fédération des Centres de Services à Domicile, Le Plope, ECODIPAR, WORK'INN, ALPHA SERVICES LIEGE, META SERVICES
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue Vert Vinâve 37
4041 Herstal
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0658.811.726
- VAT number
- BE 0658.811.726
- Registered office
- Rue Vert Vinâve 37, 4041 Herstal
- Names & denominations
- SEPTUA
- Enterprise type
- Rechtspersoon
- Legal form
- Cooperative company
- Legal situation
- Normale toestand
- Start date
- 7 July 2016
- Peppol
- Active · Active since 15 Jul 2025