Semano
ActiveSummary
Semano has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €309,745 and a net result of €968. Equity is growing by ~7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability42▼-2
Solvency67▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19,000 at 30 days acceptable
Liquidity ample (current ratio 4.14 against 3.94 in 2023; short-term debt: 7.7% and cash: 5.8% of total assets), but 57.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-10-2025, 67 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
67 d late
2023
63 d late
2022
136 d late
2021
186 d late
2020
144 d late
2019
115 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 6 accounts on average 119 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€968▼ 64.1%
2023 · €2,694
Working capital
€177,810▼ 4.1%
2023 · €185,395
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€59,662▼ 78.7%€45,620▼ 23.5%-€12,368€8,468€7,370▼ 13.0%
Net result€58,478▼ 67.5%€38,143▼ 34.8%-€13,786€2,694€968▼ 64.1%
Equity€281,725▲ 26.2%€319,869▲ 13.5%€306,083▼ 4.3%€308,777▲ 0.9%€309,745▲ 0.3%
Total assets€633,502▼ 21.9%€556,159▼ 12.2%€698,474▲ 25.6%€765,338▲ 9.6%€736,307▼ 3.8%
Debt€259,224▼ 47.5%€144,570▼ 44.2%€301,996▲ 109%€368,470▲ 22.0%€341,654▼ 7.3%
Working capital€247,547▲ 9.3%€355,772▲ 43.7%€204,430▼ 42.5%€185,395▼ 9.3%€177,810▼ 4.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 13% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €736,307
Fixed assets
€501,858 ▼ 2.9%
Current assets
€234,449 ▼ 5.6%
Equity and liabilities €736,307
Equity
€309,745 ▲ 0.3%
Provisions
€84,908 ▼ 3.6%
Debt
€341,654 ▼ 7.3%
Debt's share of the balance-sheet total falls from 48.1% to 46.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27,335▲
2023 · €26,218
Cash flow
€20,933▲
2023 · €20,444
Current ratio
4.14▲
2023 · 3.94
Debt to equity
1.10▼
2023 · 1.19
ROE
0.3%▼
2023 · 0.9%
ROA
0.1%▼
2023 · 0.4%
Interest coverage
2.74▼
2023 · 3.01
Debt ≤ 1 year
€56,639▼
2023 · €63,040
Debt > 1 year
€285,015▼
2023 · €305,430
Income taxes
€2,357▲
2023 · -€182
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,732 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €24,527 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,520 | €7,049 | €13,966 | €17,750 | €19,965 | ▲ 12.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €24,313 | - |
| Other operating charges640/8 | - | €1,412 | €42,273 | €17,662 | €7,411 | ▼ 58.0% |
| Non-recurring operating charges66A | - | €0 | €250 | €7,603 | - | - |
| Gross operating margin9900 | €82,950 | €54,081 | €44,121 | €51,483 | €59,059 | ▲ 14.7% |
| Operating profit (loss)9901 | €59,662 | €45,620 | -€12,368 | €8,468 | €7,370 | ▼ 13.0% |
| Financial income75/76B | - | €886 | €1,739 | €456 | €2,753 | ▲ 504% |
| Recurring financial income75 | €5,707 | €886 | €1,739 | €456 | €2,753 | ▲ 504% |
| Financial charges65/66B | - | €6,196 | €4,482 | €8,715 | €9,981 | ▲ 14.5% |
| Recurring financial charges65 | €8,287 | €6,196 | €4,482 | €8,715 | €9,981 | ▲ 14.5% |
| Profit (loss) for the period before taxes9903 | €57,082 | €40,310 | -€15,111 | €209 | €142 | ▼ 32.1% |
| Transfer from deferred taxes780 | - | €833 | €1,325 | €2,303 | €3,183 | ▲ 38.2% |
| Income taxes67/77 | - | €3,000 | - | -€182 | €2,357 | ▲ 1,395% |
| Profit (loss) for the period9904 | €58,478 | €38,143 | -€13,786 | €2,694 | €968 | ▼ 64.1% |
| Transfer from tax-exempt reserves789 | - | €2,817 | €2,322 | €5,484 | €7,578 | ▲ 38.2% |
| Profit (loss) for the period to be appropriated9905 | €61,803 | €40,960 | -€11,464 | €8,178 | €8,546 | ▲ 4.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €633,502 | €556,159 | €698,474 | €765,338 | €736,307 | ▼ 3.8% |
| Fixed assets21/28 | €341,276 | €158,257 | €442,486 | €516,903 | €501,858 | ▼ 2.9% |
| Tangible fixed assets22/27 | €341,276 | €158,257 | €442,486 | €516,903 | €501,858 | ▼ 2.9% |
| Land and buildings22 | - | €157,278 | €316,113 | €516,323 | €498,273 | ▼ 3.5% |
| Furniture and vehicles24 | - | €979 | €779 | €580 | €3,585 | ▲ 518% |
| Other tangible fixed assets26 | - | - | €125,594 | €0 | - | - |
| Current assets29/58 | €292,226 | €397,902 | €255,988 | €248,435 | €234,449 | ▼ 5.6% |
| Amounts receivable within one year40/41 | €70,247 | €136,370 | €109,622 | €114,491 | €85,304 | ▼ 25.5% |
| Trade receivables40 | - | €24,314 | €24,314 | €24,313 | - | - |
| Other amounts receivable41 | - | €112,056 | €85,308 | €90,178 | €85,304 | ▼ 5.4% |
| Current investments50/53 | - | €107,657 | €108,874 | €109,194 | €106,080 | ▼ 2.9% |
| Cash at bank and in hand54/58 | €221,979 | €153,875 | €37,492 | €24,750 | €43,065 | ▲ 74.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €633,502 | €556,159 | €698,474 | €765,338 | €736,307 | ▼ 3.8% |
| Equity10/15 | €281,725 | €319,869 | €306,083 | €308,777 | €309,745 | ▲ 0.3% |
| Contributions10/11 | - | €64,100 | €64,100 | €64,100 | €64,100 | = |
| Reserves13 | €220,338 | €217,521 | €215,199 | €209,715 | €210,683 | ▲ 0.5% |
| Tax-exempt reserves132 | - | €217,521 | €215,199 | €209,715 | €202,137 | ▼ 3.6% |
| Distributable reserves133 | - | - | - | - | €8,546 | - |
| Profit (loss) carried forward14 | -€2,713 | €38,248 | €26,784 | €34,962 | €34,962 | = |
| Provisions and deferred taxes16 | €92,553 | €91,720 | €90,395 | €88,091 | €84,908 | ▼ 3.6% |
| Deferred taxes168 | - | €91,720 | €90,395 | €88,091 | €84,908 | ▼ 3.6% |
| Amounts payable17/49 | €259,224 | €144,570 | €301,996 | €368,470 | €341,654 | ▼ 7.3% |
| Amounts payable after more than one year17 | €214,545 | €102,440 | €250,438 | €305,430 | €285,015 | ▼ 6.7% |
| Financial debts170/4 | - | €102,440 | €250,438 | €305,430 | €285,015 | ▼ 6.7% |
| Amounts payable within one year42/48 | €44,679 | €42,130 | €51,558 | €63,040 | €56,639 | ▼ 10.2% |
| Current portion of amounts payable after more than one year42 | - | €14,516 | €16,991 | €19,891 | €20,415 | ▲ 2.6% |
| Trade debts44 | €6,069 | €3,441 | €10,866 | €20,551 | €16,267 | ▼ 20.8% |
| Suppliers440/4 | - | €3,441 | €10,866 | €20,551 | €16,267 | ▼ 20.8% |
| Taxes, remuneration and social security45 | - | €3,000 | €3,000 | - | €2,357 | - |
| Taxes450/3 | - | €3,000 | €3,000 | - | €2,357 | - |
| Other amounts payable47/48 | - | €21,173 | €20,701 | €22,598 | €17,600 | ▼ 22.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €58,478 | €38,143 | -€13,786 | €2,694 | €968 | ▼ 64.1% |
| + Depreciation and write-downs630 | €15,520 | €7,049 | €13,966 | €17,750 | €19,965 | ▲ 12.5% |
| Operating cash flow (approximation) | €73,998 | €45,192 | €180 | €20,444 | €20,933 | ▲ 2.4% |
| Investment in fixed assets (approximation) | - | €175,970 | -€298,195 | -€92,167 | -€4,920 | ▲ 94.7% |
| Change in cash | - | -€68,104 | -€116,383 | -€12,742 | €18,315 | ▲ 244% |
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
06-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 67 days late
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
2023
31-12
Financial
Back to profitnet €2,694
Net result €2,694 after one loss-making year.
14-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 136 days late
02-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 186 days late
2022
31-12
Financial
Weakest financial yearnet -€13,786
Net result drops to -€13,786, the lowest in the series; recovery starts the following year.
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 144 days late
2020
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 115 days late
2019
31-12
Financial
Highest result since 2018net €179,832 ▲544%
Operating result €280,634, net result €179,832, both a record.
31-12
Financial
Liquidity times 12current ratio 5.46
Current ratio from 0.44 to 5.46; short-term debt falls from €78,224 to €50,822.
31-12
Financial
Equity above €200,000Eq €223,247 ▲414%
2 profitable years in a row build equity to €223,247.
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 8 days late
Show earlier events
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Saint-Ghislain
Ground area
802 m²
Building footprint
157 m²
Volume, LiDAR
890 m³
Parcel 53009A0146/00V003, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53009A0146/00V003 | Wallonia | 801 m² | 1 · 157 m² | 7.6 m · 2 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.
Identification & contact
Identification
Legal formPrivate limited company
Founded08-09-1999
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0466820616
Also
9925:BE0466820616
Registered
24-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.