CeNa Services
ActiveThe computed 12-month bankruptcy probability of CeNa Services is 2.2% (moderate). The 2025 annual accounts show equity of €19k and a net result of €3k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 4477 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85=
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 18.19 against 3.26 in 2024; short-term debt: 4.8% and cash: 27.7% of total assets), and 4.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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
95.2%
Return on assets
13.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
31 d late
2022
12 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▲ 16.0%
2024 · €16k
2022: €9k
2023: €13k
2024: €16k
2022 → 2025
Total assets
€19k▼ 8.4%
2024 · €21k
2022: €15k
2023: €21k
2024: €21k
2022 → 2025
Net result
€3k▼ 7.0%
2024 · €3k
2022: €7k
2023: €5k
2024: €3k
2022 → 2025
Working capital
€16k▲ 34.9%
2024 · €12k
2022: €4k
2023: €10k
2024: €12k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€9k-€13k▲ 53.5%€16k▲ 20.8%€19k▲ 16.0%
Operating result€8k-€6k▼ 30.7%€4k▼ 38.4%€4k▲ 12.9%
Net result€7k-€5k▼ 30.3%€3k▼ 40.4%€3k▼ 7.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€2k▼ 39.6%
Current assets
€17k▼ 1.1%
Equity and liabilities €19k
Equity
€19k▲ 16.0%
Debt
€935▼ 82.3%
The debt ratio falls from 24.9% to 4.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▲
2024 · €5k
Cash flow
€4k▼
2024 · €4k
Solvency
95.2%▲
2024 · 75.1%
Current ratio
18.19▲
2024 · 3.26
Quick ratio
18.19▲
2024 · 3.26
Debt / equity
0.05▼
2024 · 0.33
ROE
13.8%▼
2024 · 17.2%
ROA
13.1%▲
2024 · 12.9%
Interest coverage
6.27▼
2024 · 28.86
Debt
€935▼
2024 · €5k
Debt ≤ 1 year
€935▼
2024 · €5k
Income taxes
€754▼
2024 · €820
Staff costs
€-861▼
2024 · €10k
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€21k€19k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€17k€17k▼
Amounts receivable within one year40/41€5k€11k▲
Trade receivables40€140€7k▲
Other amounts receivable41€5k€5k▲
Cash at bank and in hand54/58€11k€5k▼
Deferred charges and accrued income490/1€1k€315▼
Equity and liabilities
Total equity and liabilities10/49€21k€19k▼
Equity10/15€16k€19k▲
Contributions10/11€2k€2k=
Reserves13€14k€17k▲
Distributable reserves133€14k€17k▲
Amounts payable17/49€5k€935▼
Amounts payable within one year42/48€5k€935▼
Trade debts44€2k€138▼
Suppliers440/4€2k€138▼
Taxes, remuneration and social security45€3k€797▼
Taxes450/3€2k€797▼
Remuneration and social security454/9€1k€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€10k€-861▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€545€757▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€16k€8k▼
Operating profit (loss)9901€4k€4k▲
Financial income75/76B€183€186▲
Recurring financial income75€183€186▲
Financial charges65/66B€175€896▲
Recurring financial charges65€175€896▲
Profit (loss) for the period before taxes9903€4k€3k▼
Income taxes67/77€820€754▼
Profit (loss) for the period9904€3k€3k▼
Profit (loss) for the period to be appropriated9905€3k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€3k▼
Transfer to equity691/2€3k€3k▼
To other reserves6921€3k€3k▼
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €3k ▼7%
Net result drops to €3k, the lowest in the series.
31-12
Financial
Liquidity times 6current ratio 18.19
Current ratio from 3.26 to 18.19; short-term debt falls from €5k to €935.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Stekene · 1 establishment unit since 2022
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.
Prinsenstraat(STE) 939190 StekeneGround area
1,406 m²
Building footprint
637 m²
Volume, LiDAR
2,120 m³
2 parcels, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hogenakkerstraat(DKL) 1/B, 9170 Sint-Gillis-Waas
since 20222.331.850.997
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46322C1002/00N000 | Flanders | 838 m² | 1 · 147 m² | 7.3 m · 2 fl. |
| 46005A0795/00F000 | Flanders | 568 m² | 1 · 490 m² | 10.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Gillis-Waas2.331.850.997
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Of 7,356 companies in sector 81210 we hold annual accounts for 2,734. 2,077 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-04-2022
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.