SEN5
ActiveSummary
SEN5 has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21,163 and a net result of €19,438. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 31% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency56▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.73 in 2024; short-term debt: 69.1% and cash: 60.7% of total assets), and 69.1% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer 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
30.9%
Return on assets
28.4%
Age of the figures
9 mo
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
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 17-03-2026, 136 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
136 d early
2024
122 d early
2023
2 d late
2022
41 d early
2021
41 d early
2020
3 d late
2019
61 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 39 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€21,163▼ 33.3%
2024 · €31,725
Total assets
€68,535▼ 3.8%
2024 · €71,269
Net result
€19,438▲ 1.1%
2024 · €19,225
Working capital
€19,099▼ 33.7%
2024 · €28,788
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€20,242▲ 127%€6,950▼ 65.7%€15,299▲ 120%€26,667▲ 74.3%€26,615▼ 0.2%
Net result€16,127▲ 148%€4,615▼ 71.4%€9,673▲ 110%€19,225▲ 98.8%€19,438▲ 1.1%
Equity€18,454▼ 12.7%€20,000▲ 8.4%€20,000=€31,725▲ 58.6%€21,163▼ 33.3%
Total assets€70,244▲ 58.6%€88,201▲ 25.6%€101,275▲ 14.8%€71,269▼ 29.6%€68,535▼ 3.8%
Debt€51,790▲ 124%€68,201▲ 31.7%€81,275▲ 19.2%€39,544▼ 51.3%€47,372▲ 19.8%
Working capital€12,254▼ 34.9%€14,373▲ 17.3%€16,048▲ 11.7%€28,788▲ 79.4%€19,099▼ 33.7%
Staff (FTE)1
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 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68,535
Fixed assets
€2,086 ▼ 31.1%
Current assets
€66,449 ▼ 2.6%
Equity and liabilities €68,535
Equity
€21,163 ▼ 33.3%
Debt
€47,372 ▲ 19.8%
Debt's share of the balance-sheet total rises from 55.5% to 69.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€27,558▼
2024 · €27,590
Cash flow
€20,382▲
2024 · €20,148
Current ratio
1.40▼
2024 · 1.73
Debt to equity
2.24▲
2024 · 1.25
ROE
91.8%▲
2024 · 60.6%
ROA
28.4%▲
2024 · 27.0%
Interest coverage
77.03▲
2024 · 38.16
Debt ≤ 1 year
€47,350▲
2024 · €39,453
Income taxes
€6,825▲
2024 · €6,719
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 26,964 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €8,466 | €40,972 | €32,793 | €221 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,183 | €2,421 | €2,456 | €923 | €944 | ▲ 2.2% |
| Other operating charges640/8 | €2,129 | €1,881 | €2,446 | €1,689 | €2,426 | ▲ 43.6% |
| Gross operating margin9900 | €32,020 | €52,224 | €52,994 | €29,501 | €29,985 | ▲ 1.6% |
| Operating profit (loss)9901 | €20,242 | €6,950 | €15,299 | €26,667 | €26,615 | ▼ 0.2% |
| Financial income75/76B | €0 | €8 | €32 | - | €6 | - |
| Recurring financial income75 | €0 | €8 | €32 | - | €6 | - |
| Financial charges65/66B | €314 | €239 | €458 | €723 | €358 | ▼ 50.5% |
| Recurring financial charges65 | €314 | €239 | €458 | €723 | €358 | ▼ 50.5% |
| Profit (loss) for the period before taxes9903 | €19,929 | €6,718 | €14,872 | €25,944 | €26,263 | ▲ 1.2% |
| Income taxes67/77 | €3,802 | €2,103 | €5,199 | €6,719 | €6,825 | ▲ 1.6% |
| Profit (loss) for the period9904 | €16,127 | €4,615 | €9,673 | €19,225 | €19,438 | ▲ 1.1% |
| Profit (loss) for the period to be appropriated9905 | €16,127 | €4,615 | €9,673 | €19,225 | €19,438 | ▲ 1.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €70,244 | €88,201 | €101,275 | €71,269 | €68,535 | ▼ 3.8% |
| Fixed assets21/28 | €6,200 | €5,908 | €3,952 | €3,029 | €2,086 | ▼ 31.1% |
| Tangible fixed assets22/27 | €5,200 | €4,408 | €1,952 | €1,029 | €86 | ▼ 91.7% |
| Plant, machinery and equipment23 | €5,200 | €4,408 | €1,952 | €1,029 | €86 | ▼ 91.7% |
| Financial fixed assets28 | €1,000 | €1,500 | €2,000 | €2,000 | €2,000 | = |
| Current assets29/58 | €64,045 | €82,294 | €97,323 | €68,240 | €66,449 | ▼ 2.6% |
| Amounts receivable within one year40/41 | €7,601 | €44,690 | €50,957 | €31,400 | €16,464 | ▼ 47.6% |
| Trade receivables40 | €3,402 | €44,690 | €50,957 | €17,654 | €16,219 | ▼ 8.1% |
| Other amounts receivable41 | €4,198 | - | - | €13,746 | €245 | ▼ 98.2% |
| Cash at bank and in hand54/58 | €55,211 | €22,338 | €43,163 | €35,294 | €41,630 | ▲ 18.0% |
| Deferred charges and accrued income490/1 | €1,233 | €15,266 | €3,202 | €1,546 | €8,355 | ▲ 440% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €70,244 | €88,201 | €101,275 | €71,269 | €68,535 | ▼ 3.8% |
| Equity10/15 | €18,454 | €20,000 | €20,000 | €31,725 | €21,163 | ▼ 33.3% |
| Contributions10/11 | €7,500 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Profit (loss) carried forward14 | €10,954 | - | - | €11,725 | €1,163 | ▼ 90.1% |
| Amounts payable17/49 | €51,790 | €68,201 | €81,275 | €39,544 | €47,372 | ▲ 19.8% |
| Amounts payable within one year42/48 | €51,790 | €67,920 | €81,275 | €39,453 | €47,350 | ▲ 20.0% |
| Trade debts44 | €4,995 | €4,037 | €38,470 | €22,608 | €2,296 | ▼ 89.8% |
| Suppliers440/4 | €4,995 | €4,037 | €38,470 | €22,608 | €2,296 | ▼ 89.8% |
| Taxes, remuneration and social security45 | €19,471 | €29,966 | €22,061 | €9,309 | €26,023 | ▲ 180% |
| Taxes450/3 | €10,346 | €14,103 | €8,886 | €1,999 | €16,797 | ▲ 740% |
| Remuneration and social security454/9 | €9,125 | €15,864 | €13,175 | €7,310 | €9,226 | ▲ 26.2% |
| Other amounts payable47/48 | €27,324 | €33,917 | €20,744 | €7,535 | €19,031 | ▲ 153% |
| Accrued charges and deferred income492/3 | - | €281 | - | €92 | €22 | ▼ 76.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,127 | €4,615 | €9,673 | €19,225 | €19,438 | ▲ 1.1% |
| + Depreciation and write-downs630 | €1,183 | €2,421 | €2,456 | €923 | €944 | ▲ 2.2% |
| Operating cash flow (approximation) | €17,310 | €7,036 | €12,129 | €20,148 | €20,382 | ▲ 1.2% |
| Investment in fixed assets (approximation) | - | -€2,129 | -€500 | €0 | €0 | - |
| Change in cash | - | -€32,873 | €20,826 | -€7,869 | €6,336 | ▲ 181% |
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
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €19,438 ▲1.1%
Net result €19,438, the highest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Back to profitnet €10,769
Net result €10,769 after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Liège · 1 establishment unit since 2018
Ground area
251 m²
Building footprint
235 m²
Volume, LiDAR
2,613 m³
Parcel 62810B0329/00V000, Wallonia · tallest building 11.7 m, ±4 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
SEN5
since 20182.277.441.620
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62810B0329/00V000 | Wallonia | 251 m² | 1 · 235 m² | 11.7 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.
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 31,171 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
Founded05-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Contact
Website
www.sen5.be
E-mail
info@sen5.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0699648429
Registered
09-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.