Senex & Partners
ActiveSenex & Partners has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218k and a net result of €-29k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-36
Solvency62▲+10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.47 in 2024; short-term debt: 53.8% and cash: 6.5% of total assets), but 63.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 24-02-2026, 157 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
157 d early
2024
1 d early
2023
8 d early
2022
14 d early
2021
34 d early
2020
46 d early
2019
38 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€218k▼ 11.8%
2024 · €247k
2018: €13k
2019: €80k
2020: €172k
2021: €234k
2022: €243k
2023: €244k
2024: €247k
2018 → 2025
Total assets
€591k▼ 35.0%
2024 · €909k
2018: €94k
2019: €535k
2020: €762k
2021: €826k
2022: €855k
2023: €787k
2024: €909k
2018 → 2025
Net result
€-29k
2024 · €38k
2018: €7k
2019: €54k
2020: €92k
2021: €62k
2022: €60k
2023: €648
2024: €38k
2018 → 2025
Working capital
€198k▼ 20.7%
2024 · €250k
2018: €12k
2019: €65k
2020: €9k
2021: €240k
2022: €299k
2023: €297k
2024: €250k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€234k-€243k▲ 4.1%€244k▲ 0.3%€247k▲ 1.2%€218k▼ 11.8%
Operating result€103k-€87k▼ 15.6%€23k▼ 73.2%€52k▲ 125%€-8k
Net result€62k-€60k▼ 4.0%€648▼ 98.9%€38k▲ 5,740%€-29k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €52k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €591k
Fixed assets
€75k▼ 39.2%
Current assets
€516k▼ 34.3%
Equity and liabilities €591k
Equity
€218k▼ 11.8%
Debt
€373k▼ 43.6%
The debt ratio falls from 72.9% to 63.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€52k▼
2024 · €108k
Cash flow
€30k▼
2024 · €94k
Solvency
36.8%▲
2024 · 27.1%
Current ratio
1.62▲
2024 · 1.47
Quick ratio
0.80▼
2024 · 0.88
Debt / equity
1.72▼
2024 · 2.68
ROE
-13.4%▼
2024 · 15.3%
ROA
-4.9%▼
2024 · 4.2%
Interest coverage
3.01▼
2024 · 9.25
Debt
€373k▼
2024 · €662k
Debt ≤ 1 year
€318k▼
2024 · €536k
Debt > 1 year
€50k▼
2024 · €123k
Income taxes
€5k▲
2024 · €3k
Staff costs
€83k▼
2024 · €89k
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€909k€591k▼
Fixed assets21/28€123k€75k▼
Intangible fixed assets21€73k€31k▼
Tangible fixed assets22/27€47k€41k▼
Land and buildings22€6k€776▼
Plant, machinery and equipment23€10k€12k▲
Furniture and vehicles24€31k€28k▼
Financial fixed assets28€3k€3k=
Current assets29/58€786k€516k▼
Stocks and contracts in progress3€316k€263k▼
Stocks30/36€316k€263k▼
Amounts receivable within one year40/41€386k€200k▼
Trade receivables40€378k€180k▼
Other amounts receivable41€8k€21k▲
Cash at bank and in hand54/58€40k€39k▼
Deferred charges and accrued income490/1€45k€14k▼
Equity and liabilities
Total equity and liabilities10/49€909k€591k▼
Equity10/15€247k€218k▼
Contributions10/11€19k€19k=
Reserves13€228k€199k▼
Distributable reserves133€228k€199k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€662k€373k▼
Amounts payable after more than one year17€123k€50k▼
Financial debts170/4€123k€50k▼
Amounts payable within one year42/48€536k€318k▼
Current portion of amounts payable after more than one year42€77k€73k▼
Financial debts43€3k€23k▲
Credit institutions430/8€3k€23k▲
Trade debts44€368k€188k▼
Suppliers440/4€368k€188k▼
Taxes, remuneration and social security45€45k€28k▼
Taxes450/3€44k€25k▼
Remuneration and social security454/9€1k€3k▲
Other amounts payable47/48€42k€5k▼
Accrued charges and deferred income492/3€3k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€89k€83k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€59k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€199k€136k▼
Operating profit (loss)9901€52k€-8k▼
Financial income75/76B€291€135▼
Recurring financial income75€291€135▼
Financial charges65/66B€12k€17k▲
Recurring financial charges65€12k€17k▲
Profit (loss) for the period before taxes9903€41k€-25k▼
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€38k€-29k▼
Profit (loss) for the period to be appropriated9905€38k€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€-29k▼
Transfer from equity791/2-€29k
Transfer to equity691/2€3k€0▼
To other reserves6921€3k€0▼
Profit to be distributed694/7€35k€0▼
Directors or managers695€35k€0▼
Social balance
Average headcount (FTE)90871.6-
The notes to these accounts (23 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
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-29k ▼177%
Net result drops to €-29k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200kEq €234k ▲36.2%
4 profitable years in a row build equity to €234k.
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €92k ▲69.6%
Operating result €118k, net result €92k, both a record.
31-12
Financial
Equity above €150kEq €172k ▲115%
3 profitable years in a row build equity to €172k.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Zwevegem · 1 establishment unit since 2018
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.
Deerlijkstraat(Z) 199/B78550 ZwevegemGround area
5,970 m²
Building footprint
2,926 m²
Volume, LiDAR
12 m³
Parcel 34042A0662/00D000, Flanders · tallest building 0.5 m. Linked by address, not a title deed.
1 establishment unit
Senex & Partners
since 20182.272.649.028
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34042A0662/00D000 | Flanders | 5,970 m² | 1 · 2,926 m² | 0.5 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 8 entries · 32,827 EUR awarded · 32,092 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | -27,124 EUR | 22,833 EUR |
| 2024 | 1 | 753 EUR | 497 EUR |
| 2023 | 3 | 56,438 EUR | 6,842 EUR |
| 2022 | 1 | 2,760 EUR | 1,920 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Subsidies voor internationaal ondernemen
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Of 4,422 companies in sector 46180 we hold annual accounts for 1,886. 1,346 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-01-2018
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.