SEN TRADING
ActiveThe computed 12-month bankruptcy probability of SEN TRADING is 2.2% (moderate). The 2025 annual accounts show equity of €25k and a net result of €-1k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 10345 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-40
Solvency93▼-7
Growth52=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity ample (current ratio 2.92 against 6.17 in 2024; short-term debt: 32% and cash: 13.7% of total assets), and 32% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
68%
Return on assets
-3%
Age of the figures
15 mo
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
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-07-2026, 165 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
165 d late
2024
530 d late
2023
59 d late
2022
1 d early
2021
29 d late
2020
89 d late
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€25k▼ 4.3%
2024 · €26k
2019: €-424
2020: €164
2021: €10k
2022: €25k
2023: €26k
2024: €26k
2019 → 2025
Total assets
€37k▲ 19.7%
2024 · €31k
2019: €31k
2020: €28k
2021: €39k
2022: €43k
2023: €31k
2024: €31k
2019 → 2025
Net result
€-1k
2024 · €369
2019: €2k
2020: €588
2021: €11k
2022: €15k
2023: €748
2024: €369
2019 → 2025
Working capital
€23k▼ 4.7%
2024 · €24k
2019: €-4k
2020: €-3k
2021: €7k
2022: €23k
2023: €23k
2024: €24k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€25k▲ 160%€26k▲ 2.7%€26k▲ 1.6%€25k▼ 4.3%
Operating result€11k-€16k▲ 44.0%€1k▼ 93.0%€437▼ 60.1%€-1k
Net result€11k-€15k▲ 43.6%€748▼ 95.2%€369▼ 50.7%€-1k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €437 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€3k=
Current assets
€35k▲ 21.5%
Equity and liabilities €37k
Equity
€25k▼ 4.3%
Debt
€12k▲ 157%
The debt ratio rises from 14.9% to 32.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
68.0%▼
2024 · 85.1%
Current ratio
2.92▼
2024 · 6.17
Quick ratio
2.92▼
2024 · 6.17
Debt / equity
0.47▲
2024 · 0.18
ROE
-4.4%▼
2024 · 1.4%
ROA
-3.0%▼
2024 · 1.2%
Debt
€12k▲
2024 · €5k
Debt ≤ 1 year
€12k▲
2024 · €5k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€31k€37k▲
Fixed assets21/28€3k€3k=
Financial fixed assets28€3k€3k=
Current assets29/58€28k€35k▲
Amounts receivable within one year40/41€28k€30k▲
Trade receivables40€28k€29k▲
Other amounts receivable41-€80
Cash at bank and in hand54/58-€5k
Equity and liabilities
Total equity and liabilities10/49€31k€37k▲
Equity10/15€26k€25k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Profit (loss) carried forward14€8k€7k▼
Amounts payable17/49€5k€12k▲
Amounts payable within one year42/48€5k€12k▲
Trade debts44-€3k
Suppliers440/4-€3k
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€362-
Other operating charges640/8€24k€23k▼
Gross operating margin9900€25k€22k▼
Operating profit (loss)9901€437€-1k▼
Financial charges65/66B€68€104▲
Recurring financial charges65€68€104▲
Profit (loss) for the period before taxes9903€369€-1k▼
Profit (loss) for the period9904€369€-1k▼
Profit (loss) for the period to be appropriated9905€369€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€7k▼
Profit (loss) brought forward from the previous period14P€7k€8k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 165 days late
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 530 days late
2025
30-06
Financial
Weakest financial yearnet €-1k ▼405%
Net result drops to €-1k, the lowest in the series.
2024
30-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 59 days late
2023
30-06
Financial
Liquidity doublescurrent ratio 5.50
Current ratio from 2.30 to 5.50; short-term debt falls from €18k to €5k.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €15k ▲43.6%
Operating result €16k, net result €15k, both a record.
01-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
10-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schaarbeek · 2 establishment units since 2013
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.
Kwatrechtstraat 411030 SchaarbeekGround area
139 m²
Building footprint
143 m²
Volume, LiDAR
1,535 m³
2 parcels, Brussels · tallest building 17.0 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Aarschotstraat 158, 1030 Schaarbeek
since 20132.219.068.109
SEN TRADING
since 20132.301.719.037
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21908E0013/00N017 | Brussels | 84 m² | 1 · 88 m² | 14.9 m · 4 fl. |
| 21909E0030/00G000 | Brussels | 54 m² | 1 · 54 m² | 16.9 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchaarbeek2.219.068.109
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TREND MODE
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H-H- FOOD1
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Ukkel · Eq €25k
INAST
BE 0687.848.972
Antwerpen · Eq €25k
INVIDIA10
BE 0727.847.715
Sint-Pieters-Woluwe · Eq €25k
Of 10,524 companies in sector 47110 we hold annual accounts for 5,860. 4,321 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2013
Fiscal year end30-06
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
56301Cafés and bars
55100Hotels and similar accommodation
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.