Losses
-€22,716 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
BOUWWERKEN SENNA
Lifetime
8 annual accounts with figures on one time axispeak €94,687 (2020)
€75,944▲ 552%
lowest -€16,659 (2024)
-€6,057▲ €10,602
peak €200,914 (2023)
€178,198▼ 3.3%
€891,510▲ 12.6%
Board1 name since 2021
1 directorKOURIE Sanharib
Documentsfilings and deeds
07-07-202624 days before the deadline
2025micro format
Gross margin from €11,643 to €75,944Loss of €6,057Cash from €31,970 to €79,681
Key points
from the 2025 annual accountsChecked score
93
Excellent
Financially stronger than 47% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.2%▲ +0.1 percentage points vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026highest value
08-2026: 0.1%▼ -0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Loss of €6,057, the second in a row (financial year 2025)
lowers risk
Size: total assets €1.1m
Figures for financial year 2025 (filed on 07-07-2026)
Sector: Real estate activities (NACE 68)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 37% of them on solvency, 61% on liquidity, 55% on profitability and 37% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 748 companies had the same profile as BOUWWERKEN SENNA has now. Each dot stands for 2 companies, two years later.
96.7%
were still trading
1.9%
stopped another way
1.3%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BOUWWERKEN SENNA itself is lower: 0.1% within 12 months. It rests on far more data about BOUWWERKEN SENNA than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 748 companies, not a prediction for BOUWWERKEN SENNA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €16,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.63 (3.35 in 2024), above the usual 1.5. Short-term debt is 20.6% and cash 7.4% of total assets. However, 83.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€6,057
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 07-07-2026, 24 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
24 days early
2024
43 days early
2023
57 days early
2022
54 days early
2021
52 days early
2020
60 days early
2019
57 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 50 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 9 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0685458121
Change of role: KOURIE Sanharib, from manager to director
Gazette deed
Environmental permit granted
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden · Keerbergen
Environmental permit granted
Bouwen of herbouwen · Heist-op-den-Berg
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BOUWWERKEN SENNA Heist-op-den-Berg | €1.1m | €75,944 | 16.7% | - |
| Schmeitz Invest Oud-Turnhout | €1.2m | €102,365 | 15.6% | 0.4 |
| ROCA GROUP Antwerp | €0.9m | €49,956 | 35.2% | - |
| GloReno Zandhoven | €1.3m | €78,054 | 7.4% | 0.5 |
| dvlp. CONSTRUCT Knokke-Heist | €1.0m | €85,548 | 29.6% | 0.6 |
| ARFILA Ciney | €1.0m | €68,927 | -1.2% | - |
| AM-BEHEER Temse | €1.2m | €84,266 | 62.6% | - |
These companies have the same main activity as BOUWWERKEN SENNA: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €897,000 and €1.3m, founded between 2016 and 2018.
Official details
Source: KBO- Status
- Active since 29-11-2017Normal situation
- Activity
- Development of residential building projectsNACE 68121and 10 others
- Establishment unit
- 2.270.259.3632220 Heist-op-den-Berg, since 30-11-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 14-02-2025
Annual accounts 2025
- ≈ €200,000estimated
- €1.1m▲ 9.6%
- Filing
- Filed on 07-07-2026, 24 days before the end of the filing period
Insights on BOUWWERKEN SENNA
BOUWWERKEN SENNA files the micro format. That format states no turnover. The gross margin rose from €48,433 in 2018 to €75,944 in 2025.
The balance sheet grew most from 2023 to 2025 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BOUWWERKEN SENNA
- What is the company number of BOUWWERKEN SENNA?
- The company number of BOUWWERKEN SENNA is 0685.458.121. The VAT number is the same number with BE in front: BE 0685.458.121.
- Where is BOUWWERKEN SENNA based?
- The registered office is at Onze-Lieve-Vrouwstraat 28 a, 2220 Heist-op-den-Berg.Company details
- What does BOUWWERKEN SENNA do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of BOUWWERKEN SENNA?
- BOUWWERKEN SENNA is a private limited company (BV).
- When was BOUWWERKEN SENNA founded?
- BOUWWERKEN SENNA was founded on 29-11-2017.
- Is BOUWWERKEN SENNA still active?
- Yes, BOUWWERKEN SENNA is an active enterprise in the KBO register.
- How many employees does BOUWWERKEN SENNA have?
- BOUWWERKEN SENNA had an average of 1 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- What is the turnover of BOUWWERKEN SENNA?
- The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €75,944 and 48 comparable companies (NACE 681). It probably lies between €100,000 and €470,000.
- Is BOUWWERKEN SENNA profitable?
- In financial year 2025, BOUWWERKEN SENNA made a loss of €6,057.
- Where can I find the annual accounts of BOUWWERKEN SENNA?
- BOUWWERKEN SENNA filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BOUWWERKEN SENNA due?
- BOUWWERKEN SENNA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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