Turnover
≈ €780,000 estimated
The micro format states no turnover.
SENDEN
Overview
Lifetime
1 annual account with figurespeak €311,941 (2025)
€311,941
peak €180,458 (2025)
€180,458
peak €180,458 (2025)
€180,458
€340,754
Board1 name since 2024
1 directorSENDEN Gisèle
Documentsfilings and deeds
22-07-20269 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsStarting capital
€2,000 200 shares
Position in the sector
€180,458
Higher net result than 95% of companies in architecture and engineering. Sector median €16,709 · 11,795 companies.
Checked score
69
Healthy
Financially stronger than 48% of micro companies in architecture and engineering (NACE 71)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,828 companies (NACE 71, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2025: 0.5%lowest value
09-2025: 0.5%● unchanged vs 08-2025
10-2025: 0.5%● unchanged vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.6%▲ +0.1 percentage points vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.7%▲ +0.1 percentage points vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.7%● unchanged vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026highest value
07-2026: 0.7%● unchanged vs 06-2026highest value
08-2026: 0.7%● unchanged vs 07-2026
09-2026: 0.7%● unchanged vs 08-2026
10-2026: 0.7%● unchanged vs 09-2026
11-2026: 0.7%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 2.83, cash €17
Founded in 2024
lowers risk
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Size: total assets €521,212
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 71, micro). It does better than 34% of them on solvency, 21% on liquidity and 88% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,127 companies had the same profile as SENDEN has now. Each dot stands for 8 companies, two years later.
97.2%
were still trading
1.9%
stopped another way
0.8%
went bankrupt
That fits the bankruptcy probability of SENDEN itself: 0.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,127 companies, not a prediction for SENDEN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €12,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 2.83, above the usual 1.5. Short-term debt is 22.8% and cash 0% of total assets. However, 65.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 22-07-2026, 9 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
9 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1011185309
Incorporation
Founding capital of €2,000, 200 shares · Founder: SENDEN Gisèle (shareholder) · Appointment: SENDEN Gisèle (statutory director) · published on 08-07-2024 · Gazette deed
First establishment
Tempelberg 21, Lubbeek
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SENDEN Lubbeek | €521,212 | €311,941 | 34.6% | - |
| QJ ARCHITECTEN Machelen (Brab.) | €402,143 | €391,187 | 74.7% | - |
| Houtheide Architectuur Haacht | €499,326 | €257,884 | 42.1% | - |
| Constim Mol | €459,507 | €270,693 | 74.4% | - |
| Ledroit Pierret Polet architectes et associés Ixelles | €448,978 | €236,369 | 14.1% | - |
| POLYLIGNE ARCHITECTURE Jemeppe-sur-Sambre | €474,676 | €217,463 | 74.3% | - |
| CONTOUR Architecten Genk | €549,771 | €202,202 | 31.3% | - |
These companies have the same main activity as SENDEN: activities of building architects (NACE 71111). They are comparable in size and age: total assets between €402,000 and €550,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 04-07-2024Normal situation
- Activity
- Activities of building architectsNACE 71111and 1 other
- Establishment unit
- 2.361.347.7093210 Lubbeek, since 04-07-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 16-12-2025
Annual accounts 2025
- €311,941
- €180,458
- €180,458
- €521,212
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on SENDEN
SENDEN has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €180,458 and a net result of €180,458.
Its solvency ranks better than 33% of 11,794 sector peers (NACE 71, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 22-07-2026, 9 days before the deadline€311,941
€266,732
€180,458
€217,370
34.6%
2.83
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €780,000. Estimated: probably between €540,000 and €1.0m.
Balance sheet
balance sheet total €521,212 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
34.6%
Higher than 33% of 11,794 companies in 2025.
2.83
Higher than 62% of 11,521 companies in 2025.
34.6%
Higher than 82% of 11,605 companies in 2025.
SENDEN
Middle half of the sector
80% of the sector
Micro accounts in architecture and engineering (NACE 71)
Net result: top quarter · Equity: top quarter · Balance sheet total: top quarter · Working capital: top quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
521,212 | |
21/28 |
185,027 | |
22/27 |
185,027 | |
22 |
172,265 | |
24 |
12,761 | |
29/58 |
336,185 | |
40/41 |
336,169 | |
40 |
119,708 | |
41 |
216,461 | |
54/58 |
17 | |
| Balance sheet: equity and liabilities | ||
10/49 |
521,212 | |
10/15 |
180,458 | |
13 |
180,458 | |
133 |
180,458 | |
17/49 |
340,754 | |
17 |
221,939 | |
170/4 |
221,939 | |
42/48 |
118,815 | |
44 |
23,910 | |
440/4 |
23,910 | |
45 |
94,905 | |
450/3 |
94,905 | |
| Income statement | ||
9900 |
311,941 | |
630 |
23,679 | |
640/8 |
21,530 | |
9901 |
266,732 | |
65/66B |
1,040 | |
65 |
1,040 | |
9903 |
265,692 | |
67/77 |
85,234 | |
9904 |
180,458 | |
9905 |
180,458 | |
| Appropriation of the result | ||
9906 |
180,458 | |
691/2 |
180,458 | |
6921 |
180,458 | |
| Document | ||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 22-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 22-07-2026 | 2026-00317127 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 290,410 | ||
| 204,137 | ||
| 208,705 | ||
| 217,370 | ||
| 34.6% | ||
| 2.83 | ||
| 1.89 | ||
| 100.0% | ||
| 34.6% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €208,705 |
| €23,679 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on SENDEN
Debt's share of the balance-sheet total is 65.4%.
Board & ownership
Board
1 director, since incorporationStatutory director
appointed by deed of 08-07-2024
term for the life of the company
listed in the 2025 annual accounts, filed on 22-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 08-07-2024
Mandates through the years
1 name, the dashed line is todaySENDEN Gisèle
Statutory director
Statutory director
Board
Mandates as a list
- SENDEN Gisèle
- Statutory director, appointed by deed of 08-07-2024, still in office
Control
Capital
- Contribution
- €2,000
- Shares
- 200
- Contribution per share
- €10
- Equity per share
- €902 in 2025
- Source
- deed of 08-07-2024
Articles of association
deed of 08-07-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 10:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 08-07-2024 ↗
- SENDEN Gisèle 200 shares (100%) · in cash
Network & group
No group
SENDEN has no parent and no holdings in its annual accounts. SENDEN Gisèle is the only director. SENDEN shares no director with another company.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 9 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1011185309
2024
IncorporationFounding capital of €2,000, 200 shares · Founder: SENDEN Gisèle (shareholder) · Appointment: SENDEN Gisèle (statutory director) · published on 08-07-20247 points ▸
- Founder, SENDEN Gisèle (shareholder)
- SENDEN Gisèle holds 200 shares
- Founding capital, €2,000, 200 shares
- Capital, €2,000, 200 shares
- Director appointment, SENDEN Gisèle (statutory director), mentioned twice in the deed
- Registered office clause, Tempelberg 21, 3210 Lubbeek
- Board rule, 1
- The deed holds 5 more points.
First establishment Tempelberg 21, Lubbeek
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1011.185.309
- VAT number
- BE 1011.185.309
- Peppol ID
- 0208:1011185309
- Other Peppol ID
- 9925:BE1011185309
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 04-07-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 10:00deed of 08-07-2024 (in Dutch)
- Peppol
- Reachable since 16-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SENDEN in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 08-07-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 08-07-2024 (in Dutch)
Activities
NACEBEL 202571111
Activities of building architects main activity
Codes under NACEBEL 2008
71111
Architectural and engineering activities; technical testing and analysis main activity
71113
Architectural and engineering activities; technical testing and analysis
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het verlenen van diensten die behoren tot de uitoefening van het beroep van architect; Het verrichten van alle handelingen welke…”deed of 08-07-2024 (in Dutch)
2 activities
- Het verlenen van diensten die behoren tot de uitoefening van het beroep van architect
- Het verrichten van alle handelingen welke rechtstreeks of onrechtstreeks in verband staan met haar voorwerp
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Tempelberg 21 registered office 3210 Lubbeek | 04-07-2024 | 2.361.347.709 |
Buildings and parcels at the address
- Ground area
- 995 m²
- Buildings
- 133 m²
- Volume, LiDAR
- 660 m³
- Tallest building
- 7.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 24063B0228/00D000 | 995 m² | 1 · 132 m² | 7.3 m · 2 |