SEN
ActiveSummary
The computed 12-month bankruptcy probability of SEN is 1.9% (moderate). The 2025 annual accounts show equity of €35,414 and a net result of €10,583. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 28051 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability93▲+51
Solvency99=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 3.84 against 3.9 in 2024; short-term debt: 26% and cash: 12.6% of total assets), and 26% 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
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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
74%
Return on assets
22.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
7 d early
2024
21 d early
2023
77 d late
2022
114 d late
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 39 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€35,414▲ 42.6%
2024 · €24,830
Total assets
€47,861▲ 43.3%
2024 · €33,401
Net result
€10,583▲ 1,616%
2024 · €617
Working capital
€35,414▲ 42.6%
2024 · €24,830
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
Line20212022202320242025
Operating result€21,669-€2,495▼ 88.5%€3,274▲ 31.3%€3,952▲ 20.7%€16,177▲ 309%
Net result€15,280-€1,243▼ 91.9%-€663€617€10,583▲ 1,616%
Equity€23,634-€24,877▲ 5.3%€24,214▼ 2.7%€24,830▲ 2.5%€35,414▲ 42.6%
Total assets€71,653-€47,632▼ 33.5%€40,238▼ 15.5%€33,401▼ 17.0%€47,861▲ 43.3%
Debt€48,019-€22,756▼ 52.6%€16,025▼ 29.6%€8,571▼ 46.5%€12,448▲ 45.2%
Working capital€42,057-€30,784▼ 26.8%€25,423▼ 17.4%€24,830▼ 2.3%€35,414▲ 42.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 309% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €47,861
Equity
€35,414 ▲ 42.6%
Debt
€12,448 ▲ 45.2%
Debt's share of the balance-sheet total rises from 25.7% to 26.0%. Equity and debt are higher.
Key figures and ratios
Current ratio
3.84▼
2024 · 3.90
Debt to equity
0.35▲
2024 · 0.35
ROE
29.9%▲
2024 · 2.5%
ROA
22.1%▲
2024 · 1.8%
Debt ≤ 1 year
€12,448▲
2024 · €8,571
Income taxes
€4,777▲
2024 · €750
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,467 | €1,617 | €1,377 | - | - | - |
| Other operating charges640/8 | €2,187 | €825 | €858 | €2,116 | €1,290 | ▼ 39.0% |
| Non-recurring operating charges66A | €10,744 | - | €767 | - | - | - |
| Gross operating margin9900 | €36,066 | €4,936 | €6,276 | €6,068 | €17,467 | ▲ 188% |
| Operating profit (loss)9901 | €21,669 | €2,495 | €3,274 | €3,952 | €16,177 | ▲ 309% |
| Financial income75/76B | €6 | €670 | €251 | €1,182 | €1,699 | ▲ 43.8% |
| Recurring financial income75 | €6 | €670 | €251 | €1,182 | €1,699 | ▲ 43.8% |
| Financial charges65/66B | €831 | €1,247 | €3,831 | €3,768 | €2,515 | ▼ 33.2% |
| Recurring financial charges65 | €831 | €1,247 | €3,831 | €3,768 | €2,515 | ▼ 33.2% |
| Profit (loss) for the period before taxes9903 | €20,844 | €1,917 | -€305 | €1,366 | €15,361 | ▲ 1,024% |
| Income taxes67/77 | €5,564 | €675 | €358 | €750 | €4,777 | ▲ 537% |
| Profit (loss) for the period9904 | €15,280 | €1,243 | -€663 | €617 | €10,583 | ▲ 1,616% |
| Profit (loss) for the period to be appropriated9905 | €15,280 | €1,243 | -€663 | €617 | €10,583 | ▲ 1,616% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €71,653 | €47,632 | €40,238 | €33,401 | €47,861 | ▲ 43.3% |
| Fixed assets21/28 | €3,383 | €5,899 | €2,755 | - | - | - |
| Tangible fixed assets22/27 | €3,383 | €5,899 | €2,755 | - | - | - |
| Furniture and vehicles24 | €3,383 | €5,899 | €2,755 | - | - | - |
| Current assets29/58 | €68,270 | €41,734 | €37,483 | €33,401 | €47,861 | ▲ 43.3% |
| Amounts receivable within one year40/41 | €30,392 | €38,942 | €32,780 | €32,708 | €41,817 | ▲ 27.8% |
| Trade receivables40 | €29,830 | €26,703 | €25,552 | €7,700 | €10,600 | ▲ 37.7% |
| Other amounts receivable41 | €562 | €12,239 | €7,228 | €25,008 | €31,217 | ▲ 24.8% |
| Cash at bank and in hand54/58 | €37,878 | €2,792 | €4,703 | €693 | €6,045 | ▲ 772% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €71,653 | €47,632 | €40,238 | €33,401 | €47,861 | ▲ 43.3% |
| Equity10/15 | €23,634 | €24,877 | €24,214 | €24,830 | €35,414 | ▲ 42.6% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | - | - | - | - | €10,583 | - |
| Distributable reserves133 | - | - | - | - | €10,583 | - |
| Profit (loss) carried forward14 | €18,634 | €19,877 | €19,214 | €19,830 | €19,830 | = |
| Amounts payable17/49 | €48,019 | €22,756 | €16,025 | €8,571 | €12,448 | ▲ 45.2% |
| Amounts payable after more than one year17 | €21,806 | €11,806 | €3,964 | - | - | - |
| Financial debts170/4 | €21,806 | €11,806 | €3,964 | - | - | - |
| Amounts payable within one year42/48 | €26,213 | €10,950 | €12,061 | €8,571 | €12,448 | ▲ 45.2% |
| Financial debts43 | €6,597 | €7,943 | €7,004 | €2,059 | - | - |
| Credit institutions430/8 | €6,597 | €7,943 | €7,004 | €2,059 | - | - |
| Trade debts44 | €8,841 | €0 | €2,397 | €3,129 | €5,918 | ▲ 89.2% |
| Suppliers440/4 | €8,841 | €0 | €2,397 | €3,129 | €5,918 | ▲ 89.2% |
| Taxes, remuneration and social security45 | €10,775 | €3,007 | €2,659 | €3,383 | €6,529 | ▲ 93.0% |
| Taxes450/3 | €10,775 | €3,007 | €2,659 | €3,383 | €6,529 | ▲ 93.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,280 | €1,243 | -€663 | €617 | €10,583 | ▲ 1,616% |
| + Depreciation and write-downs630 | €1,467 | €1,617 | €1,377 | - | - | - |
| Operating cash flow (approximation) | €16,747 | €2,859 | €714 | €617 | €10,583 | ▲ 1,616% |
| Investment in fixed assets (approximation) | - | -€4,132 | €1,767 | - | - | - |
| Change in cash | - | -€35,086 | €1,911 | -€4,010 | €5,351 | ▲ 233% |
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
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €617
Net result €617 after one loss-making year.
16-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 77 days late
2023
31-12
Financial
Weakest financial yearnet -€663
Net result drops to -€663, the lowest in the series; recovery starts the following year.
22-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 114 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 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, Maasmechelen · 1 establishment unit since 2020
Ground area
821 m²
Building footprint
136 m²
Parcel 73013C0395/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
SEN
since 20202.299.859.508
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73013C0395/00A000 | Flanders | 821 m² | 1 · 136 m² | - |
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.
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Of 4,020 companies in sector 43310 we hold annual accounts for 1,747. 1,481 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
Founded10-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43310Plastering work
43422Screed work
Scores and ratios are computed by Checked and are not a credit decision.