Physio SEN

Active

Private limited companyfounded 20233 yrs activede Spoelberchstraat 12, 1840 Londerzeel, BelgiumKBO/BCE: BE 0800.980.864

Physio SEN has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €84k and a net result of €30k. Its solvency ranks better than 63% of 19904 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2024

95 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency100=

Growth52

Track record94

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 4.29 against 4.44 in 2023; short-term debt: 22.1% and cash: 45.7% of total assets), and 22.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 86

Relative position

BE, all sectors

reference

Sector 86

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 2 filings

Deviation from the deadline

2025

not confirmed

2024

61 d late

2023

22 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€84k▲ 55.4%

2023 · €54k

2023: €54k

2023 → 2024

Total assets

€108k▲ 57.1%

2023 · €69k

2023: €69k

2023 → 2024

Net result

€30k▼ 41.3%

2023 · €51k

2023: €51k

2023 → 2024

Working capital

€78k▲ 56.4%

2023 · €50k

2023: €50k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€54k-€84k▲ 55.4%

Operating result€65k-€39k▼ 40.5%

Net result€51k-€30k▼ 41.3%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 40% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €108k

94.6%

Fixed assets €6k▲ 43.6%

Current assets €102k▲ 58.0%

Equity and liabilities €108k

77.9%

22.1%

Equity €84k▲ 55.4%

Debt €24k▲ 63.5%

The debt ratio rises from 21.2% to 22.1%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€41k▼

2023 · €69k

Cash flow

€32k▼

2023 · €55k

Solvency

77.9%▼

2023 · 78.8%

Current ratio

4.29▼

2023 · 4.44

Quick ratio

4.29▼

2023 · 4.44

Debt / equity

0.28▲

2023 · 0.27

ROE

35.7%▼

2023 · 94.5%

ROA

27.8%▼

2023 · 74.4%

Interest coverage

139.39▼

2023 · 2713.13

Debt

€24k▲

2023 · €15k

Debt ≤ 1 year

€24k▲

2023 · €15k

Income taxes

€9k▼

2023 · €14k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€69k€108k▲

Fixed assets21/28€4k€6k▲

Tangible fixed assets22/27€4k€6k▲

Plant, machinery and equipment23€717€1k▲

Furniture and vehicles24€2k€4k▲

Other tangible fixed assets26€1k€1k▼

Current assets29/58€65k€102k▲

Amounts receivable within one year40/41€47k€52k▲

Trade receivables40€4k€9k▲

Other amounts receivable41€43k€43k▼

Cash at bank and in hand54/58€17k€49k▲

Deferred charges and accrued income490/1€318€562▲

Equity and liabilities

Total equity and liabilities10/49€69k€108k▲

Equity10/15€54k€84k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€51k€81k▲

Amounts payable17/49€15k€24k▲

Amounts payable within one year42/48€15k€24k▲

Trade debts44€444€1k▲

Suppliers440/4€444€1k▲

Taxes, remuneration and social security45€14k€23k▲

Taxes450/3€14k€23k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼

Other operating charges640/8€541€617▲

Gross operating margin9900€70k€41k▼

Operating profit (loss)9901€65k€39k▼

Financial charges65/66B€25€291▲

Recurring financial charges65€25€291▲

Profit (loss) for the period before taxes9903€65k€39k▼

Income taxes67/77€14k€9k▼

Profit (loss) for the period9904€51k€30k▼

Profit (loss) for the period to be appropriated9905€51k€30k▼

Appropriation of the result

Profit (loss) to be appropriated9906€51k€81k▲

Profit (loss) brought forward from the previous period14P-€51k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

22-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 22 days late

NBB filing

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, Londerzeel · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

de Spoelberchstraat 121840 Londerzeel

Ground area

485 m²

Building footprint

96 m²

Volume, LiDAR

496 m³

Parcel 23045C0194/00E002, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Physio SEN

de Spoelberchstraat 12, 1840 LonderzeelHuman health activities

since 20232.344.587.988

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23045C0194/00E002	Flanders	485 m²	1 · 95 m²	8.3 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.

Similar companies · same sector, comparable size

VANLESSEN

BE 1004.938.311

Tongeren-Borgloon · Eq €84k

Of 12,690 companies in sector 86951 we hold annual accounts for 2,137. 1,892 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-04-2023

Fiscal year end31-12

Activities, NACEBEL

86905Human health activities

86951Physiotherapy

47740Retail trade

47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.