SENAEVE-CASIER
ActiveThe computed 12-month bankruptcy probability of SENAEVE-CASIER is 1.8% (moderate). The 2025 annual accounts show negative equity (€-19k) and a net result of €-4k. Equity is shrinking by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 13% of 18281 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-19
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.73 against 0.66 in 2024; short-term debt: 85.8% and cash: 11.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
-48.7%
Return on assets
-11.7%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-19k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
38 d early
2023
35 d early
2022
30 d late
2021
22 d late
2020
33 d early
2019
31 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-19k▼ 31.5%
2024 · €-14k
2018: €-3k
2019: €-17k
2020: €-2k
2021: €-1k
2022: €-8k
2023: €-14k
2024: €-14k
2018 → 2025
Total assets
€38k▼ 9.4%
2024 · €42k
2018: €31k
2019: €29k
2020: €32k
2021: €31k
2022: €96k
2023: €52k
2024: €42k
2018 → 2025
Net result
€-4k
2024 · €131
2018: €-10k
2019: €-13k
2020: €15k
2021: €711
2022: €-6k
2023: €-7k
2024: €131
2018 → 2025
Working capital
€-9k▲ 6.3%
2024 · €-10k
2018: €-11k
2019: €-12k
2020: €-2k
2021: €3k
2022: €-2k
2023: €-7k
2024: €-10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-1k-€-8k▼ 613%€-14k▼ 89.4%€-14k▲ 0.9%€-19k▼ 31.5%
Operating result€1k-€-6k€-6k▼ 0.4%€1k€-3k
Net result€711-€-6k€-7k▼ 4.0%€131€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€14k▼ 37.9%
Current assets
€24k▲ 25.6%
Key figures and ratios
EBITDA
€5k▼
2024 · €11k
Cash flow
€4k▼
2024 · €10k
Solvency
-48.7%▼
2024 · -33.5%
Current ratio
0.73▲
2024 · 0.66
Quick ratio
0.48▲
2024 · 0.36
Debt / equity
-3.06▲
2024 · -3.98
ROA
-11.7%▼
2024 · 0.3%
Interest coverage
5.56▼
2024 · 10.03
Debt
€57k▲
2024 · €56k
Debt ≤ 1 year
€33k▲
2024 · €29k
Debt > 1 year
€24k▼
2024 · €28k
Staff costs
€28k▲
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€38k▼
Fixed assets21/28€23k€14k▼
Tangible fixed assets22/27€23k€14k▼
Plant, machinery and equipment23€22k€14k▼
Other tangible fixed assets26€943€821▼
Current assets29/58€19k€24k▲
Stocks and contracts in progress3€9k€8k▼
Stocks30/36€9k€8k▼
Amounts receivable within one year40/41€7k€9k▲
Trade receivables40€7k€9k▲
Other amounts receivable41€218€86▼
Cash at bank and in hand54/58€819€4k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€42k€38k▼
Equity10/15€-14k€-19k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-33k€-37k▼
Amounts payable17/49€56k€57k▲
Amounts payable after more than one year17€28k€24k▼
Financial debts170/4€13k€6k▼
Other amounts payable178/9€15k€18k▲
Amounts payable within one year42/48€29k€33k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€12k€16k▲
Suppliers440/4€12k€16k▲
Taxes, remuneration and social security45€7k€7k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9€6k€5k▼
Other amounts payable47/48€3k€3k▼
Accrued charges and deferred income492/3-€128
Income statement
Code20242025
Remuneration, social security and pensions62€26k€28k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€832€851▲
Gross operating margin9900€37k€34k▼
Operating profit (loss)9901€1k€-3k▼
Financial charges65/66B€1k€956▼
Recurring financial charges65€1k€956▼
Profit (loss) for the period before taxes9903€131€-4k▼
Profit (loss) for the period9904€131€-4k▼
Profit (loss) for the period to be appropriated9905€131€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-37k▼
Profit (loss) brought forward from the previous period14P€-33k€-33k▲
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €131
Net result €131 after 2 loss-making years.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Ichtegem · 2 establishment units since 2015
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.
Stationsstraat(FEER) 3058480 IchtegemGround area
846 m²
Building footprint
551 m²
Volume, LiDAR
3,046 m³
2 parcels, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Vishandel & traiteur Jonas
since 20152.243.106.093
SECA Consultancy
since 20152.243.106.192
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35003C0518/00M006 | Flanders | 448 m² | 1 · 228 m² | 9.8 m · 1 fl. |
| 32010D0026/00T000 | Flanders | 398 m² | 1 · 323 m² | 10.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteKoekelare2.243.106.093
Similar companies · same sector, comparable size
Mourani
BE 0759.870.185
Antwerpen · Eq €2k
H&R SEA FOOD
BE 1024.407.793
Vorst · Eq €2k
VERSVIS
BE 1002.732.946
Antwerpen · Eq €2k
H & R TRADING
BE 0820.466.481
Sint-Jans-Molenbeek · Eq €1k
VAN DYCK
BE 0804.648.355
Zoersel · Eq €3k
Of 465 companies in sector 47230 we hold annual accounts for 269. 49 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2015
Fiscal year end31-12
Trade name NL
Vishandel en traiteur Jonas, SECA consulting
Activities, NACEBEL
47230Retail trade
56210Event catering
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.