Active BE 0455.808.146Private limited company

IMMO-SEN

Platanenlaan 3 ·1820 Steenokkerzeel, Belgium· 31 yrs active

Sector: Real estate agency activities (68310)

Conclusion Checked

IMMO-SEN has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.09M and a net result of €103k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 83% of 13549 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€4.09M
Net result	€103k
Better than sector	83%
Active	31 yrs

Financial profile 5 of 5 axes measured · computed by Checked

77 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 13

Solvency 100

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.2% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1995, 31 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€380k

estimate, not credit advice

Score history

86 2021

94 2022

86 2024

94 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 7.14 (≥ 1.5) +10

Quick ratio Quick ratio 7.14 (≥ 1.0) +5

Leverage Debt/equity 0.30 (< 1.0) +10

Profitability ROE 3% +3

Interest coverage Interest coverage 14.5× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview29 NBB filings

Annual accounts filed on 31-08-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 4 fiscal years (±1.7%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	76.3%	29.9%	better than 83% of 13549 sector peers
Net result	€103k	€6k	better than 91% of 13550 sector peers
Equity	€4.09M	€79k	better than 95% of 13565 sector peers
Gross operating margin	€340k	€41k	better than 95% of 13533 sector peers
Total assets	€5.36M	€416k	better than 95% of 13553 sector peers

EBITDA

€292k

-1.8% 21-25

Net profit

€103k

+86.7% 21-25

Cash flow

€320k

+36.4% 21-25

Total assets

€5.36M

-9.6% 21-25

Equity

€4.09M

+2.6% 21-25

Working capital

€1.30M

-34.0% 21-25

Income taxes

€51k

+78.9% 21-25

Debt

€1.24M

-35.1% 21-25

Debt ≤ 1y

€211k

-18.6% 21-25

Debt > 1y

€1.02M

-37.7% 21-25

Current ratio

7.14

-16.8% 21-25

Quick ratio

7.14

-16.8% 21-25

Solvency

76.3%

+13.4% 21-25

Debt / equity

0.30

-36.7% 21-25

ROE

2.5%

+82.0% 21-25

ROA

1.9%

+106.5% 21-25

Interest coverage

14.47

+297.4% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-
EBITDA	€292k	€297k	€269k	€267k
Net profit	€103k	€55k	€61k	€33k
Cash flow	€320k	€235k	€225k	€188k
Staff costs	-	-	-	-
Income taxes	€51k	€29k	€28k	€16k
Dividends	-	-	-	-
Total assets	€5.36M	€5.93M	€6.22M	€6.30M
Equity	€4.09M	€3.99M	€3.88M	€3.82M
Debt	€1.24M	€1.91M	€2.31M	€2.44M
of which ≤ 1y	€211k	€259k	€272k	€229k
of which > 1y	€1.02M	€1.64M	€2.03M	€2.19M
Working capital	€1.30M	€1.96M	€1.96M	€2.00M
Employees (FTE)	-	-	-	-

Ratios (computed)

	2025	2024	2022	2021
Current ratio	7.14	8.58	8.21	9.73
Quick ratio	7.14	8.58	8.21	9.73
Working capital ratio	24.2%	33.1%	31.6%	31.8%
Solvency	76.3%	67.2%	62.3%	60.6%
Debt / equity	0.30	0.48	0.59	0.64
Long-term debt ratio	0.25	0.41	0.52	0.57
Interest coverage	14.47	3.64	4.53	4.00
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	1.9%	0.9%	1.0%	0.5%
ROE	2.5%	1.4%	1.6%	0.9%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €3.85M · 71.9% Current assets €1.51M · 28.1%

Equity & liabilities

Equity €4.09M · 76.3% Provisions €31k · 0.6% Debt €1.24M · 23.2%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€5.36M	€5.93M	€6.22M	€6.30M
Fixed assets	21/28	€3.85M	€3.70M	€3.99M	€4.06M
Tangible fixed assets	22/27	€3.85M	€3.70M	€3.99M	€4.06M
Financial fixed assets	28	€8k	€8k	-	-
Current assets	29/58	€1.51M	€2.22M	€2.24M	€2.23M
Amounts receivable within one year	40/41	€252k	€435k	€783k	€979k
Investments	50/53	€48k	€548k	€548k	€48k
Cash & bank	54/58	€971k	€673k	€808k	€1.15M
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€5.36M	€5.93M	€6.22M	€6.30M
Equity	10/15	€4.09M	€3.99M	€3.88M	€3.82M
Contributions / capital	10/11	€500k	€500k	€500k	€500k
Reserves	13	€3.59M	€3.49M	€3.38M	€3.32M
Provisions & deferred taxes	16	€31k	€31k	€37k	€43k
Amounts payable	17/49	€1.24M	€1.91M	€2.31M	€2.44M
Amounts payable after one year	17	€1.02M	€1.64M	€2.03M	€2.19M
Amounts payable within one year	42/48	€211k	€259k	€272k	€229k
Trade debts payable within one year	44	€15k	€5k	€18k	€2k
Income statement
Gross operating margin	9900	€340k	€341k	€303k	€306k
Operating result	9901	€74k	€117k	€105k	€112k
Financial income	75	€36k	€45k	€41k	€4k
Financial charges	65	€20k	€82k	€59k	€67k
Result before taxes	9903	€154k	€80k	€86k	€49k
Income taxes	67/77	€51k	€29k	€28k	€16k
Net result for the period	9904	€103k	€55k	€61k	€33k
Result to be appropriated	9905	€103k	€61k	€67k	€33k

Directors & mandates 3 directors

Directors derived from a single State Gazette act, under verification

All 3 current directors first appear in the same act (25354292). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

DE TOLLENAERE Godelieve
Director
State Gazette act 25354292 (08-09-2025)

Current
08-09-2025 → present
2 events
- 08-09-2025 Appointed· Director
- 08-09-2025 Resigned· Manager
SENECA BJORNPrivate limited company
Director· perm. rep.: SENECA Bjorn
State Gazette act 25354292 (08-09-2025)

Current
08-09-2025 → present
2 events
- 08-09-2025 Appointed· Director
- 08-09-2025 Resigned· Manager
SENECA Raymond
Director
State Gazette act 25354292 (08-09-2025)

Current
08-09-2025 → present
2 events
- 08-09-2025 Appointed· Director
- 08-09-2025 Resigned· Manager

Legal Structure

NACE primary	Real estate agency activities(68310)
Legal form	Private limited company(610)
Incorporation	07-08-1995
Status	Active
Postal code	1820

Establishment units 1 location

Platanenlaan 3, 1820 Steenokkerzeel

Insurance, reinsurance and pension funding, except compulsory social security

since 19952.074.352.918

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23065B0129/00N003	Flanders	805 m²	1 · 155 m²	7.7 m · 2 fl.

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.

Updates 11 events

All 12Financial 1Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

31-12

Financial Highest result since 2021net €103k ▲86.7%

Net result €103k, the highest in the series.

08-09

State Gazette act Director changes

Elisabeth ENEMAN

28-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 28 days late

2023

28-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 28 days late

2022

31-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 31 days late

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

23-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 84 days late

2019

30-08

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema · 30 days late

2018

31-08

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema · 31 days late

2017

29-08

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 29 days late

2016

31-07

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 1 year ago

2025

08-09-2025 3 directors appointed, 3 resigning Director changes·Elisabeth ENEMAN

SENECA Bjorn, Bestuurder
SENECA Raymond, Bestuurder
DE TOLLENAERE Godelieve, Bestuurder
SENECA Bjorn, Zaakvoerder
SENECA Raymond, Zaakvoerder
DE TOLLENAERE Godelieve, Zaakvoerder

Notary: Elisabeth ENEMAN · Leuven

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Real estate agency activities68310Real estate activities68311

Names & trade names

Legal nameNL

IMMO-SEN

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