SENA CONSTRUCTION

Active

Private limited companyfounded 20224 yrs activeBrusselsesteenweg 18A, 1730 Asse, BelgiumKBO/BCE: BE 0782.381.412

The computed 12-month bankruptcy probability of SENA CONSTRUCTION is 2.2% (moderate). The 2025 annual accounts show equity of €32k and a net result of €16k. Equity is growing by ~50.3% per year across the filed fiscal years. Its solvency ranks better than 29% of 27319 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

78 / 100

Excellent▲ +23 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability80▲+68

Solvency50▼-21

Growth85▲+30

Stability94

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity tight (current ratio 1.38 against 1.59 in 2024), and 72.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

27.3%

Return on assets

14%

Age of the figures

8 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-09-2026, 35 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 · 3 filings

Deviation from the deadline

2025

35 d late

2024

113 d late

2023

152 d late

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€237k▲ 31.5%

2024 · €180k

2023: €93k 2024: €180k

2023 → 2025

EBIT margin

6.9%▲ 6.9pp

2024 · 0.0%

2023: 5.4% 2024: 0.0%

2023 → 2025

Net result

€16k

2024 · €-303

2023: €4k 2024: €-303

2023 → 2025

Working capital

€32k▲ 105%

2024 · €15k

2024: €15k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Turnover€93k-€180k▲ 93.2%€237k▲ 31.5%

Equity€16k-€15k▼ 1.9%€32k▲ 105%

Operating result€5k-€-30€16k

Net result€4k-€-303€16k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €16k after a loss of €30 in 2024, the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €116k

27.3%

72.7%

Equity €32k▲ 105%

Debt €84k▲ 222%

The debt ratio rises from 62.8% to 72.7%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

Solvency

27.3%▼

2024 · 37.2%

Current ratio

1.38▼

2024 · 1.59

Quick ratio

1.38▼

2024 · 1.59

Debt / equity

2.66▲

2024 · 1.69

ROE

51.1%▲

2024 · -2.0%

ROA

14.0%▲

2024 · -0.7%

Debt

€84k▲

2024 · €26k

Debt ≤ 1 year

€84k▲

2024 · €26k

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€42k€116k▲

Current assets29/58€42k€116k▲

Amounts receivable within one year40/41€40k€114k▲

Trade receivables40€40k€114k▲

Cash at bank and in hand54/58€2k€29▼

Deferred charges and accrued income490/1-€2k

Equity and liabilities

Total equity and liabilities10/49€42k€116k▲

Equity10/15€15k€32k▲

Contributions10/11€1k€1k=

Profit (loss) carried forward14€14k€31k▲

Amounts payable17/49€26k€84k▲

Amounts payable within one year42/48€26k€84k▲

Trade debts44€25k€84k▲

Suppliers440/4€25k€84k▲

Other amounts payable47/48€854-

Income statement Code20242025

Turnover70€180k€237k▲

Goods, raw materials, services and sundry goods60/61€180k€220k▲

Gross operating margin9900€-30€16k▲

Operating profit (loss)9901€-30€16k▲

Financial charges65/66B€272€170▼

Recurring financial charges65€272€170▼

Profit (loss) for the period before taxes9903€-303€16k▲

Profit (loss) for the period9904€-303€16k▲

Profit (loss) for the period to be appropriated9905€-303€16k▲

Appropriation of the result

Profit (loss) to be appropriated9906€14k€31k▲

Profit (loss) brought forward from the previous period14P€15k€14k▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Gazette 1Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

04-09

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 35 days late

28-07

State Gazette act Registered office

General meeting · Registered-office move2 facts ▸

General meeting, 26/06/2026
Registered-office move, Brusselsesteenweg 18A, 1730 Asse

2025

31-12

Financial Back to profitnet €16k

Net result €16k after one loss-making year.

21-11

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 113 days late

2024

31-12

Financial Weakest financial yearnet €-303 ▼107%

Net result drops to €-303, the lowest in the series; recovery starts the following year.

30-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 152 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Asse · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Brusselsesteenweg 18A1730 Asse

Ground area

1,503 m²

Building footprint

729 m²

Volume, LiDAR

5,243 m³

2 parcels, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

SENA CONSTRUCTION

Services to buildings and landscape activities

since 20222.331.129.338

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
22003A0047/00X008	Flanders	1,134 m²	1 · 561 m²	11.6 m · 3 fl.
23322E0103/00N000	Flanders	369 m²	1 · 167 m²	10.1 m · 1 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.

Similar companies · same sector, comparable size

Villers-le-Bouillet · Eq €32k

Of 19,948 companies in sector 43320 we hold annual accounts for 9,082. 6,824 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-02-2022

Fiscal year end31-12

Activities, NACEBEL

43320Joinery installation

43230Insulation installation

43291Specialised construction activities

43310Plastering work

43350Other building finishing work

43990Other specialised construction activities

43995Specialised construction activities

43999Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.