Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 2 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SEPTEO Belgique from Liège, company number BE0724881097, closed financial year 2025 with a result of € -4 million after tax. Compared with financial year 2024, the result moved from € -4.3 million to € -4 million. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 10, 2026.
€ -10.2 million
▼ € 4 million vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -4 million
▲ 7 % less loss than in 2024
Profit after tax over the fiscal year.
€ 336,477
▲ € 295,998 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -10.4 million.
People and assets in 2025
€ 903
▼ 43% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 128,689
▼ 72% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 89 days on average.
€ 68,369
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Profit after taxes | € -237,658 | € -1,898,065 | € -4,266,501 | € -3,976,157 | ▲ € 290,343 |
| Equity | € -77,801 | € -1,975,866 | € -6,242,367 | € -10,218,524 | ▼ € 4 million |
| Total debts | € 34,459,056 | € 67,713,884 | € 73,805,484 | € 78,143,294 | ▲ 6% |
| Cash | € 1,180,786 | € 65,687 | € 40,479 | € 336,477 | ▲ € 295,998 |
| Retained profit | € -277,801 | € -2,175,866 | € -6,442,367 | € -10,418,524 | ▼ € 4 million |
| Balance sheet total | € 34,381,255 | € 65,738,018 | € 67,563,117 | € 68,084,770 | ▲ 1% |
Key figures of SEPTEO Belgique, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to SEPTEO Belgique?
What happened at SEPTEO Belgique in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Michael Vanhamme stepped down as director. NBB
- SAS SEVEN TOPCO stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 4 million. Source: NBB ↗
- Michael Vanhamme became a director. NBB
- Joris MOENS stepped down as director. NBB
- Joris MOENS became a director. NBB
- SAS SEVEN TOPCO became a director. NBB
- New establishment in Liège. KBO
In short
From € 237,658 loss in 2022 to € 4 million loss in 2025.
Pays suppliers within 89 days on average.
Management
The shares are held by SAS SEPTEO (100%). It owns 100% of Septeo Lawyer Solutions BE, 100% of CMGT GROUP and 100% of Septeo Notary Solutions BE itself.
Directors
According to the 2025 annual accounts
Michael Vanhamme
Managing director
Also active at: A.R.W.A.C., Septeo Notary Solutions BE, JMA INVEST, Septeo Lawyer Solutions BE, CMGT GROUP, HRWeb Solutions, I-MANAGEMENT SOLUTIONS, I-LOGICS
since 2025 · until 2032
Director · represented by Hugues GALAMBRUN
Also active at: Septeo Notary Solutions BE, GIS, Septeo Lawyer Solutions BE, Flexsoft
since 2021 · until 2027
Joris MOENS
Managing director
Also active at: Septeo Notary Solutions BE, GIS, Septeo Lawyer Solutions BE, CMGT GROUP, HRWeb Solutions
since 2021 · until 2025
Shareholders
100%
Participations
Establishments
Establishment units
Physical locations of this company
Chaussée de Tongres 382
4000 Liège
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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
- 0724.881.097
- VAT number
- BE 0724.881.097
- Registered office
- Chaussée de Tongres 382, 4000 Liège
- Names & denominations
- SEPTEO Belgique
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 12 April 2019
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
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