Robust text-to-SQL over complex, real-world databases remains brittle even with modern LLMs: iterative refinement often introduces syntactic and semantic drift, corrections tend to be non-transferable across queries, and naive use of large context windows scales poorly. We propose a controlled text-to-SQL framework built around reflective refinement. Instead of repeatedly rewriting the current SQL instance, the system decomposes generation into typed stages and applies feedback as persistent updates to the stage-level generation mechanism. A Reflection-Refinement Loop localizes violations to the responsible stage maximize preservation of previously validated constraints and support monotonic improvement over a query set. The method operates without gold SQL by combining interpreter-based checks with LLM-based semantic coverage verification as epistemic judges. Experiments on Spider and BIRD demonstrate consistent gains over strong prompting baselines, robust convergence within a small refinement budget, and improved execution accuracy across both frontier and open-weight model families.