Saena
ActiveSummary
Saena has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €343k and a net result of €41k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 57% of 19913 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability80▲+3
Solvency98▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 7.12 against 4.58 in 2023; short-term debt: 11.2% and cash: 18.9% of total assets), and 26.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · 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
Human health activities (NACE 86)
about 87% fewer bankruptcies
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
34 d early
2022
12 d early
2021
16 d early
2020
36 d early
2019
38 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€343k▼ 7.4%
2023 · €370k
2018: €134klowest in 7 years
2019: €155k▲ +15.3% vs 2018
2020: €190k▲ +22.5% vs 2019
2021: €230k▲ +20.8% vs 2020
2022: €336k▲ +46.5% vs 2021
2023: €370k▲ +10.2% vs 2022highest in 7 years
2024: €343k▼ -7.4% vs 2023
2018 → 2024
Total assets
€468k▼ 15.7%
2023 · €556k
2018: €367klowest in 7 years
2019: €401k▲ +9.2% vs 2018
2020: €404k▲ +0.8% vs 2019
2021: €439k▲ +8.7% vs 2020
2022: €544k▲ +24.0% vs 2021
2023: €556k▲ +2.1% vs 2022highest in 7 years
2024: €468k▼ -15.7% vs 2023
2018 → 2024
Net result
€41k▲ 16.9%
2023 · €35k
2018: €19klowest in 7 years
2019: €21k▲ +14.9% vs 2018
2020: €36k▲ +66.9% vs 2019
2021: €40k▲ +13.1% vs 2020
2022: €107k▲ +166% vs 2021highest in 7 years
2023: €35k▼ -67.3% vs 2022
2024: €41k▲ +16.9% vs 2023
2018 → 2024
Working capital
€320k▼ 1.6%
2023 · €325k
2018: €15k
2019: €11k▼ -24.3% vs 2018lowest in 7 years
2020: €28k▲ +143% vs 2019
2021: €45k▲ +64.1% vs 2020
2022: €281k▲ +518% vs 2021
2023: €325k▲ +15.7% vs 2022highest in 7 years
2024: €320k▼ -1.6% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€190k-€230k▲ 20.8%€336k▲ 46.5%€370k▲ 10.2%€343k▼ 7.4%
2020: €190klowest in 5 years
2021: €230k▲ +20.8% vs 2020
2022: €336k▲ +46.5% vs 2021
2023: €370k▲ +10.2% vs 2022highest in 5 years
2024: €343k▼ -7.4% vs 2023
Operating result€57k-€64k▲ 12.3%€169k▲ 164%€57k▼ 66.2%€63k▲ 10.9%
2020: €57klowest in 5 years
2021: €64k▲ +12.3% vs 2020
2022: €169k▲ +164% vs 2021highest in 5 years
2023: €57k▼ -66.2% vs 2022
2024: €63k▲ +10.9% vs 2023
Net result€36k-€40k▲ 13.1%€107k▲ 166%€35k▼ 67.3%€41k▲ 16.9%
2020: €36k
2021: €40k▲ +13.1% vs 2020
2022: €107k▲ +166% vs 2021highest in 5 years
2023: €35k▼ -67.3% vs 2022lowest in 5 years
2024: €41k▲ +16.9% vs 2023
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 2024; 2024 is 11% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €468k
Fixed assets
€96k ▼ 31.1%
Current assets
€372k ▼ 10.6%
Equity and liabilities €468k
Equity
€343k ▼ 7.4%
Debt
€125k ▼ 32.4%
Debt's share of the balance-sheet total falls from 33.3% to 26.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€112k▲
2023 · €93k
Cash flow
€89k▲
2023 · €71k
Current ratio
7.12▲
2023 · 4.58
Debt to equity
0.37▼
2023 · 0.50
ROE
12.0%▲
2023 · 9.5%
ROA
8.8%▲
2023 · 6.3%
Interest coverage
12.71▲
2023 · 10.63
Debt ≤ 1 year
€52k▼
2023 · €91k
Debt > 1 year
€72k▼
2023 · €94k
Income taxes
€18k▲
2023 · €16k
Staff costs
€45k▲
2023 · €40k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 54 lines
Balance sheet
Code20232024
Assets
Total assets20/58€556k€468k▼
Fixed assets21/28€140k€96k▼
Tangible fixed assets22/27€140k€96k▼
Land and buildings22€92k€23k▼
Plant, machinery and equipment23€18k€13k▼
Furniture and vehicles24€7k€6k▼
Other tangible fixed assets26€23k€54k▲
Current assets29/58€416k€372k▼
Amounts receivable after more than one year29€105k€105k=
Other amounts receivable291€105k€105k=
Amounts receivable within one year40/41€3k€15k▲
Trade receivables40€3k€7k▲
Other amounts receivable41-€7k
Current investments50/53€150k€151k▲
Cash at bank and in hand54/58€146k€88k▼
Deferred charges and accrued income490/1€12k€13k▲
Equity and liabilities
Total equity and liabilities10/49€556k€468k▼
Equity10/15€370k€343k▼
Contributions10/11€19k€19k=
Reserves13€352k€324k▼
Distributable reserves133€352k€324k▼
Amounts payable17/49€185k€125k▼
Amounts payable after more than one year17€94k€72k▼
Financial debts170/4€94k€72k▼
Amounts payable within one year42/48€91k€52k▼
Current portion of amounts payable after more than one year42€23k€22k▼
Financial debts43€6k€6k▼
Other loans439€6k€6k▼
Trade debts44€10k€9k▼
Suppliers440/4€10k€9k▼
Taxes, remuneration and social security45€36k€15k▼
Taxes450/3€27k€8k▼
Remuneration and social security454/9€10k€7k▼
Other amounts payable47/48€15k€900▼
Accrued charges and deferred income492/3€745€806▲
Income statement
Code20232024
Remuneration, social security and pensions62€40k€45k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€48k▲
Other operating charges640/8€6k€4k▼
Gross operating margin9900€139k€161k▲
Operating profit (loss)9901€57k€63k▲
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€51k€59k▲
Income taxes67/77€16k€18k▲
Profit (loss) for the period9904€35k€41k▲
Profit (loss) for the period to be appropriated9905€35k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€41k▲
Transfer from equity791/2-€68k
Transfer to equity691/2€34k€40k▲
To other reserves6921€34k€40k▲
Profit to be distributed694/7€850€69k▲
Return on contributions (dividend)694€850€69k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €32k | €35k | €40k | €45k | ▲ 12.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28k | €45k | €41k | €36k | €48k | ▲ 33.1% |
| Other operating charges640/8 | - | €2k | €2k | €6k | €4k | ▼ 30.0% |
| Gross operating margin9900 | €114k | €144k | €246k | €139k | €161k | ▲ 15.3% |
| Operating profit (loss)9901 | €57k | €64k | €169k | €57k | €63k | ▲ 10.9% |
| Financial income75/76B | - | €44 | €1 | €3k | €5k | ▲ 68.7% |
| Recurring financial income75 | €0 | €44 | €1 | €3k | €5k | ▲ 68.7% |
| Financial charges65/66B | - | €7k | €11k | €9k | €9k | ▼ 0.1% |
| Recurring financial charges65 | €7k | €7k | €11k | €9k | €9k | ▼ 0.1% |
| Profit (loss) for the period before taxes9903 | €50k | €57k | €158k | €51k | €59k | ▲ 15.8% |
| Income taxes67/77 | €14k | €16k | €51k | €16k | €18k | ▲ 13.4% |
| Profit (loss) for the period9904 | €36k | €40k | €107k | €35k | €41k | ▲ 16.9% |
| Profit (loss) for the period to be appropriated9905 | €45k | €40k | €107k | €35k | €41k | ▲ 16.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €404k | €439k | €544k | €556k | €468k | ▼ 15.7% |
| Fixed assets21/28 | €315k | €328k | €173k | €140k | €96k | ▼ 31.1% |
| Tangible fixed assets22/27 | €315k | €328k | €173k | €140k | €96k | ▼ 31.1% |
| Land and buildings22 | - | €248k | €112k | €92k | €23k | ▼ 75.0% |
| Plant, machinery and equipment23 | - | €27k | €18k | €18k | €13k | ▼ 26.4% |
| Furniture and vehicles24 | - | €33k | €28k | €7k | €6k | ▼ 5.2% |
| Other tangible fixed assets26 | - | €19k | €15k | €23k | €54k | ▲ 133% |
| Current assets29/58 | €89k | €111k | €371k | €416k | €372k | ▼ 10.6% |
| Amounts receivable after more than one year29 | - | - | - | €105k | €105k | = |
| Other amounts receivable291 | - | - | - | €105k | €105k | = |
| Amounts receivable within one year40/41 | €19k | €13k | €12k | €3k | €15k | ▲ 422% |
| Trade receivables40 | - | €4k | €4k | €3k | €7k | ▲ 159% |
| Other amounts receivable41 | - | €9k | €9k | - | €7k | - |
| Current investments50/53 | - | - | - | €150k | €151k | ▲ 0.7% |
| Cash at bank and in hand54/58 | €67k | €96k | €358k | €146k | €88k | ▼ 39.3% |
| Deferred charges and accrued income490/1 | - | €2k | €383 | €12k | €13k | ▲ 3.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €404k | €439k | €544k | €556k | €468k | ▼ 15.7% |
| Equity10/15 | €190k | €230k | €336k | €370k | €343k | ▼ 7.4% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €171k | €211k | €318k | €352k | €324k | ▼ 7.8% |
| Distributable reserves133 | - | €211k | €318k | €352k | €324k | ▼ 7.8% |
| Amounts payable17/49 | €214k | €210k | €208k | €185k | €125k | ▼ 32.4% |
| Amounts payable after more than one year17 | €152k | €143k | €117k | €94k | €72k | ▼ 22.9% |
| Financial debts170/4 | - | €143k | €117k | €94k | €72k | ▼ 22.9% |
| Amounts payable within one year42/48 | €61k | €66k | €90k | €91k | €52k | ▼ 42.5% |
| Current portion of amounts payable after more than one year42 | - | €25k | €25k | €23k | €22k | ▼ 6.1% |
| Financial debts43 | - | €6k | €6k | €6k | €6k | ▼ 0.1% |
| Other loans439 | - | €6k | €6k | €6k | €6k | ▼ 0.1% |
| Trade debts44 | €8k | €9k | €16k | €10k | €9k | ▼ 16.5% |
| Suppliers440/4 | - | €9k | €16k | €10k | €9k | ▼ 16.5% |
| Taxes, remuneration and social security45 | - | €10k | €32k | €36k | €15k | ▼ 58.9% |
| Taxes450/3 | - | €4k | €25k | €27k | €8k | ▼ 71.6% |
| Remuneration and social security454/9 | - | €7k | €7k | €10k | €7k | ▼ 24.3% |
| Other amounts payable47/48 | - | €15k | €11k | €15k | €900 | ▼ 94.0% |
| Accrued charges and deferred income492/3 | - | €746 | €745 | €745 | €806 | ▲ 8.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €36k | €40k | €107k | €35k | €41k | ▲ 16.9% |
| + Depreciation and write-downs630 | €28k | €45k | €41k | €36k | €48k | ▲ 33.1% |
| Operating cash flow (approximation) | €63k | €85k | €148k | €71k | €89k | ▲ 25.1% |
| Investment in fixed assets (approximation) | - | €-58k | €114k | €-3k | €-5k | ▼ 51.6% |
| Change in cash | - | €29k | €262k | €-213k | €-57k | ▲ 73.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €107k ▲166%
Operating result €169k, net result €107k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.11
Current ratio from 1.69 to 4.11.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €230k ▲20.8%
4 profitable years in a row build equity to €230k.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €155k ▲15.3%
2 profitable years in a row build equity to €155k.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Hasselt · 1 establishment unit since 2005
Ground area
3,494 m²
Building footprint
398 m²
Volume, LiDAR
4,922 m³
Parcel 71328D0280/00F004, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Saena
since 20052.286.867.248
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71328D0280/00F004 | Flanders | 3,494 m² | 1 · 398 m² | 15.0 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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
TANDARTS-PRAKTIJK SURINX INE
BE 0840.614.173
Sint-Truiden · Eq €343,190
PAUL LAMOTTE
BE 0898.481.997
Mechelen · Eq €342,896
Tandarts Hillaert Lieselotte
BE 0793.928.370
Deerlijk · Eq €343,300
ORTHODONTIE ARIANNE LEWYLLIE
BE 0692.691.351
Antwerpen · Eq €343,345
Bernard GRAMME Dentiste
BE 0442.907.740
Evere · Eq €342,668
Of 6,942 companies in sector 86230 we hold annual accounts for 4,293. 3,646 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-07-2005
Fiscal year end31-12
Activities, NACEBEL 2025
86230Dental practice
Scores and ratios are computed by Checked and are not a credit decision.