SENFO
ActiveSENFO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €175k and a net result of €660. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 27% of 757 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
20
/ 100
Critical▼ -53 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-66
Solvency17▼-25
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.73 against 1.17 in 2024), and 81.4% 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.
−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 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
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
18.6%
Return on assets
0.1%
Age of the figures
8 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 28-05-2026, 64 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
64 d early
2024
66 d early
2023
49 d early
2022
61 d late
2021
101 d late
2020
89 d late
2019
on the day
← 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€175k▼ 18.7%
2024 · €215k
2021: €179k
2022: €186k
2023: €186k
2024: €215k
2021 → 2025
Total assets
€940k▲ 10.7%
2024 · €849k
2021: €740k
2022: €1.03M
2023: €744k
2024: €849k
2021 → 2025
Net result
€660▼ 97.7%
2024 · €29k
2021: €95k
2022: €7k
2023: €74k
2024: €29k
2021 → 2025
Working capital
€-81k
2024 · €108k
2021: €-423k
2022: €-752k
2023: €-131k
2024: €108k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€179k-€186k▲ 4.2%€186k=€215k▲ 15.7%€175k▼ 18.7%
Operating result€137k-€15k▼ 88.9%€105k▲ 584%€55k▼ 47.2%€13k▼ 76.7%
Net result€95k-€7k▼ 92.2%€74k▲ 897%€29k▼ 60.7%€660▼ 97.7%
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 has fallen two years in a row; 2025 is 77% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €940k
Fixed assets
€721k▲ 573%
Current assets
€219k▼ 70.4%
Equity and liabilities €940k
Equity
€175k▼ 18.7%
Debt
€765k▲ 20.7%
The debt ratio rises from 74.6% to 81.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€15k▼
2024 · €59k
Cash flow
€3k▼
2024 · €33k
Solvency
18.6%▼
2024 · 25.4%
Current ratio
0.73▼
2024 · 1.17
Quick ratio
0.73▼
2024 · 0.80
Debt / equity
4.37▲
2024 · 2.94
ROE
0.4%▼
2024 · 13.6%
ROA
0.1%▼
2024 · 3.4%
Interest coverage
1.43▼
2024 · 4.76
Debt
€765k▲
2024 · €634k
Debt ≤ 1 year
€300k▼
2024 · €634k
Debt > 1 year
€465k
Income taxes
€2k▼
2024 · €14k
Staff costs
€28k▲
2024 · €1k
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
Total assets
20/58€849k€940k▲
Fixed assets
21/28€107k€721k▲
Tangible fixed assets
22/27€7k€621k▲
Financial fixed assets
28€100k€100k=
Current assets
29/58€742k€219k▼
Stocks & contracts in progress
3€235k€0▼
Amounts receivable within one year
40/41€402k€186k▼
Cash & bank
54/58€103k€32k▼
Total equity & liabilities
10/49€849k€940k▲
Equity
10/15€215k€175k▼
Contributions / capital
10/11€38k€38k=
Reserves
13€135k€94k▼
Accumulated profits (losses)
14€43k€43k▲
Amounts payable
17/49€634k€765k▲
Amounts payable after one year
17-€465k
Amounts payable within one year
42/48€634k€300k▼
Trade debts payable within one year
44€171k€8k▼
Income statement
Code20242025
Gross operating margin
9900€63k€44k▼
Operating result
9901€55k€13k▼
Financial charges
65€12k€11k▼
Result before taxes
9903€43k€2k▼
Income taxes
67/77€14k€2k▼
Net result for the period
9904€29k€660▼
Result to be appropriated
9905€29k€660▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €660 ▼97.7%
Net result drops to €660, the lowest in the series.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €215k ▲15.7%
4 profitable years in a row build equity to €215k.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
09-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 101 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 89 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
15-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 15 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 1,007 companies in sector 78200 we hold annual accounts for 626. 441 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2016
Fiscal year end31-12
Activities, NACEBEL
78200Temporary employment agencies and other provision of personnel
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 07-08-2026. Scores and ratios are computed by Checked and are not a credit decision.