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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Tight liquidity NBB
Cash and receivables cover 0 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
SEMA FINANCES from Jemeppe-sur-Sambre, company number BE0883787784, closed financial year 2025 with a result of € 86,054 after tax. For that financial year SEMA FINANCES recorded a gross margin of € 6,525 and equity of € 385,392. Compared with financial year 2024, the result moved from € 89,129 to € 86,054. The company is profitable. 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 April 21, 2026.
€ 385,392
▼ 20% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 86,054
▼ 3% vs 2024
Profit after tax over the fiscal year.
€ 62
▼ 97% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 180,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 2,268
▼ 32% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 11,924 | € 10,286 | € 11,530 | € 6,525 | ▼ 43% |
| Profit after taxes | € 88,052 | € 87,539 | € 89,129 | € 86,054 | ▼ 3% |
| Equity | € 302,669 | € 390,209 | € 479,338 | € 385,392 | ▼ 20% |
| Total debts | € 386,331 | € 298,913 | € 212,079 | € 305,624 | ▲ 44% |
| Cash | € 2,715 | € 1,189 | € 2,166 | € 62 | ▼ 97% |
| Retained profit | € 296,469 | € 384,009 | € 473,138 | € 379,192 | ▼ 20% |
| Dividend | € 0 | € 0 | € 0 | € 180,000 | |
| Bank debt | € 80,295 | € 50,282 | € 18,869 | € 0 | ▼ 100% |
| Balance sheet total | € 695,001 | € 695,121 | € 697,416 | € 697,016 |
Key figures of SEMA FINANCES, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to SEMA FINANCES?
What happened at SEMA FINANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 86,054 (▼ 3% vs 2024). Source: NBB ↗
- New establishment in Jemeppe-sur-Sambre. KBO
- Start of the company according to the CBE. KBO
In short
From € 88,052 profit in 2022 to € 86,054 profit in 2025.
Paid € 11,266 in corporate taxes since 2022.
Best year ever: 2024, with € 89,129 profit.
Paid out € 180,000 in dividends to the owners in total.
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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
Behind SEMA FINANCES is Sébastien DUTERME. It owns 100% of GF FINANCES itself.
Directors
According to the 2025 annual accounts
Sébastien DUTERME
Director
Establishments
Establishment units
Physical locations of this company
Chemin de Velaine 63 box A
5190 Jemeppe-sur-Sambre
Chemin de Velaine 63A
5190 Jemeppe-sur-Sambre
Active since 10 October 2006
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0883.787.784
- VAT number
- BE 0883.787.784
- Registered office
- Chemin de Velaine 63 bus A, 5190 Jemeppe-sur-Sambre
- Names & denominations
- SEMA FINANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 14 September 2006
- Peppol
- Not registered