BOUWONDERNEMING SENTOBIN
ActiveBOUWONDERNEMING SENTOBIN has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.05M and a net result of €100k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 62% of 2167 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75=
Solvency75▲+3
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 1.91 in 2024; short-term debt: 39.2% and cash: 29.1% of total assets), but 50.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
49.9%
Return on assets
4.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.05M
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
22 d early
2023
14 d late
2022
53 d late
2021
65 d late
2020
19 d early
2019
11 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.05M▲ 10.6%
2024 · €947k
2018: €951k
2019: €1.06M
2020: €911k
2021: €918k
2022: €943k
2023: €844k
2024: €947k
2018 → 2025
Total assets
€2.10M▲ 4.7%
2024 · €2.00M
2018: €1.19M
2019: €1.28M
2020: €1.48M
2021: €1.14M
2022: €1.42M
2023: €1.65M
2024: €2.00M
2018 → 2025
Net result
€100k▼ 2.1%
2024 · €103k
2018: €60k
2019: €108k
2020: €162k
2021: €59k
2022: €25k
2023: €102k
2024: €103k
2018 → 2025
Working capital
€830k▲ 9.3%
2024 · €760k
2018: €895k
2019: €1.01M
2020: €847k
2021: €735k
2022: €819k
2023: €632k
2024: €760k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€918k-€943k▲ 2.7%€844k▼ 10.4%€947k▲ 12.2%€1.05M▲ 10.6%
Operating result€66k-€45k▼ 31.7%€145k▲ 222%€143k▼ 1.4%€135k▼ 5.6%
Net result€59k-€25k▼ 58.5%€102k▲ 314%€103k▲ 1.0%€100k▼ 2.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.10M
Fixed assets
€444k▲ 9.3%
Current assets
€1.65M▲ 3.5%
Equity and liabilities €2.10M
Equity
€1.05M▲ 10.6%
Debt
€1.05M▼ 0.6%
The debt ratio falls from 52.7% to 50.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€177k▼
2024 · €183k
Cash flow
€142k▼
2024 · €143k
Solvency
49.9%▲
2024 · 47.3%
Current ratio
2.01▲
2024 · 1.91
Quick ratio
1.92▲
2024 · 1.90
Debt / equity
1.00▼
2024 · 1.12
ROE
9.6%▼
2024 · 10.8%
ROA
4.8%▼
2024 · 5.1%
Interest coverage
14.28▲
2024 · 13.38
Debt
€1.05M▼
2024 · €1.06M
Debt ≤ 1 year
€823k▼
2024 · €838k
Debt > 1 year
€227k▲
2024 · €219k
Income taxes
€31k▼
2024 · €35k
Staff costs
€272k▲
2024 · €222k
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€2.00M€2.10M▲
Fixed assets21/28€406k€444k▲
Tangible fixed assets22/27€262k€309k▲
Land and buildings22€162k€191k▲
Plant, machinery and equipment23€87k€70k▼
Furniture and vehicles24€14k€47k▲
Financial fixed assets28€144k€135k▼
Current assets29/58€1.60M€1.65M▲
Stocks and contracts in progress3€9k€74k▲
Stocks30/36€2k€74k▲
Contracts in progress37€7k€0▼
Amounts receivable within one year40/41€1.01M€962k▼
Trade receivables40€962k€933k▼
Other amounts receivable41€52k€30k▼
Cash at bank and in hand54/58€570k€610k▲
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€2.00M€2.10M▲
Equity10/15€947k€1.05M▲
Contributions10/11€64k€64k=
Reserves13€882k€983k▲
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Distributable reserves133€876k€976k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€1.06M€1.05M▼
Amounts payable after more than one year17€219k€227k▲
Financial debts170/4€219k€227k▲
Amounts payable within one year42/48€838k€823k▼
Trade debts44€570k€505k▼
Suppliers440/4€570k€505k▼
Taxes, remuneration and social security45€15k€77k▲
Taxes450/3€679€60k▲
Remuneration and social security454/9€14k€18k▲
Other amounts payable47/48€253k€241k▼
Income statement
Code20242025
Remuneration, social security and pensions62€222k€272k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€42k▲
Other operating charges640/8€8k€9k▲
Gross operating margin9900€413k€458k▲
Operating profit (loss)9901€143k€135k▼
Financial income75/76B€8k€8k▲
Recurring financial income75€8k€8k▲
Financial charges65/66B€14k€12k▼
Recurring financial charges65€14k€12k▼
Profit (loss) for the period before taxes9903€138k€131k▼
Income taxes67/77€35k€31k▼
Profit (loss) for the period9904€103k€100k▼
Profit (loss) for the period to be appropriated9905€103k€100k▼
Appropriation of the result
Profit (loss) to be appropriated9906€103k€100k▼
Transfer from equity791/2€0-
Transfer to equity691/2€103k€100k▼
To other reserves6921€103k€100k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90874.85.7▲
The notes to these accounts (19 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €1MEq €1.05M ▲10.6%
8 profitable years in a row build equity to €1.05M.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 14 days late
2023
22-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 53 days late
2022
31-12
Financial
Weakest financial yearnet €25k ▼58.5%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 65 days late
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €162k ▲50.5%
Operating result €204k, net result €162k, both a record.
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 11 days late
2019
31-12
Financial
Equity above €1MEq €1.06M ▲11.3%
2 profitable years in a row build equity to €1.06M.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ingelmunster · 1 establishment unit since 1991
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.
Bruggestraat 3358770 IngelmunsterGround area
2,810 m²
Building footprint
222 m²
Volume, LiDAR
1,365 m³
Parcel 36007A0011/00D002, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bouwonderneming Sentobin BVBA
since 19912.051.988.874
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007A0011/00D002 | Flanders | 2,810 m² | 1 · 222 m² | 10.5 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 3,503 EUR awarded · 3,503 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,664 EUR | 2,664 EUR |
| 2024 | 1 | 554 EUR | 554 EUR |
| 2023 | 1 | 0 EUR | 224 EUR |
| 2022 | 1 | 285 EUR | 61 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 6,250 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-01-1991
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.