SENDEN CONSULTING
ActiveSENDEN CONSULTING has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €362k and a net result of €-20k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-75
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 37.62 against 23.31 in 2024; short-term debt: 2.6% and cash: 41.6% of total assets), and 2.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
97.4%
Return on assets
-5.5%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
31 d early
2021
31 d early
2020
11 d early
2019
91 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€362k▼ 5.3%
2024 · €382k
2018: €102k
2019: €156k
2020: €177k
2021: €232k
2022: €279k
2023: €324k
2024: €382k
2018 → 2025
Total assets
€372k▼ 6.9%
2024 · €399k
2018: €141k
2019: €175k
2020: €238k
2021: €275k
2022: €303k
2023: €347k
2024: €399k
2018 → 2025
Net result
€-20k
2024 · €58k
2018: €44k
2019: €54k
2020: €60k
2021: €55k
2022: €47k
2023: €44k
2024: €58k
2018 → 2025
Working capital
€360k▼ 5.8%
2024 · €382k
2018: €103k
2019: €130k
2020: €155k
2021: €217k
2022: €272k
2023: €323k
2024: €382k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€232k-€279k▲ 20.3%€324k▲ 15.9%€382k▲ 18.0%€362k▼ 5.3%
Operating result€77k-€67k▼ 13.7%€64k▼ 4.6%€83k▲ 30.0%€-24k
Net result€55k-€47k▼ 14.5%€44k▼ 5.6%€58k▲ 31.3%€-20k
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 €24k after €83k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €372k
Fixed assets
€2k▲ 1,038%
Current assets
€370k▼ 7.3%
Equity and liabilities €372k
Equity
€362k▼ 5.3%
Debt
€10k▼ 42.6%
The debt ratio falls from 4.3% to 2.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-23k▼
2024 · €83k
Cash flow
€-19k▼
2024 · €59k
Solvency
97.4%▲
2024 · 95.7%
Current ratio
37.62▲
2024 · 23.31
Quick ratio
37.62▲
2024 · 23.31
Debt / equity
0.03▼
2024 · 0.04
ROE
-5.6%▼
2024 · 15.3%
ROA
-5.5%▼
2024 · 14.6%
Interest coverage
-13.98▼
2024 · 25.69
Debt
€10k▼
2024 · €17k
Debt ≤ 1 year
€10k▼
2024 · €17k
Income taxes
€388▼
2024 · €23k
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€399k€372k▼
Fixed assets21/28€165€2k▲
Tangible fixed assets22/27€165€2k▲
Furniture and vehicles24€165€2k▲
Current assets29/58€399k€370k▼
Amounts receivable within one year40/41€6k€12k▲
Trade receivables40€6k€517▼
Other amounts receivable41-€12k
Current investments50/53€153k€201k▲
Cash at bank and in hand54/58€239k€155k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€399k€372k▼
Equity10/15€382k€362k▼
Contributions10/11€6k€6k=
Reserves13€376k€376k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€374k€374k=
Profit (loss) carried forward14-€-20k
Amounts payable17/49€17k€10k▼
Amounts payable within one year42/48€17k€10k▼
Trade debts44€830€2k▲
Suppliers440/4€830€2k▲
Taxes, remuneration and social security45€13k€6k▼
Taxes450/3€13k€6k▼
Other amounts payable47/48€4k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€357€846▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€85k€-21k▼
Operating profit (loss)9901€83k€-24k▼
Financial income75/76B€2k€6k▲
Recurring financial income75€2k€6k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€82k€-20k▼
Income taxes67/77€23k€388▼
Profit (loss) for the period9904€58k€-20k▼
Profit (loss) for the period to be appropriated9905€58k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€-20k▼
Transfer to equity691/2€58k-
To other reserves6921€58k-
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-20k ▼135%
Net result drops to €-20k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 12.69
Current ratio from 6.09 to 12.69; short-term debt falls from €43k to €23k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €232k ▲31.1%
4 profitable years in a row build equity to €232k.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €60k ▲11.3%
Operating result €84k, net result €60k, both a record.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 7.80
Current ratio from 3.66 to 7.80; short-term debt falls from €39k to €19k.
31-12
Financial
Equity above €150kEq €156k ▲52.7%
2 profitable years in a row build equity to €156k.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 38 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lubbeek · 1 establishment unit 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.
Ganzendries(PEL) 823212 LubbeekGround area
670 m²
Building footprint
91 m²
Volume, LiDAR
529 m³
Parcel 24090D0097/00C002, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SENDEN CONSULTING
since 20132.221.263.079
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24090D0097/00C002 | Flanders | 670 m² | 1 · 91 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
6994002DA9PTG13PWZ70
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 36,997 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-07-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.