SENGA
ActiveSENGA has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €301k and a net result of €22k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 1605 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability36▲+36
Solvency31▲+6
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity short (current ratio 0.02 against 0.03 in 2024), and 73.3% 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+raises risk○neutral
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
26.7%
Return on assets
1.9%
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
15 d early
2023
2 d early
2022
7 d late
2021
2 d early
2020
65 d early
2019
53 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€22k
2024 · €-3k
2018: €42k
2019: €-7k
2020: €56k
2021: €31k
2022: €-6k
2023: €-25k
2024: €-3k
2018 → 2025
Working capital
€-768k▲ 6.9%
2024 · €-825k
2018: €-475k
2019: €-469k
2020: €-558k
2021: €-618k
2022: €-744k
2023: €-828k
2024: €-825k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€313k-€307k▼ 2.0%€282k▼ 8.1%€279k▼ 1.0%€301k▲ 7.8%
Operating result€21k-€-3k€-29k▼ 736%€-3k▲ 89.8%€26k
Net result€31k-€-6k€-25k▼ 305%€-3k▲ 89.3%€22k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €26k after a loss of €3k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.13M
Fixed assets
€1.12M▼ 4.3%
Current assets
€14k▼ 49.1%
Equity and liabilities €1.13M
Equity
€301k▲ 7.8%
Provisions
€46k▼ 24.7%
Debt
€783k▼ 8.3%
The debt ratio falls from 71.5% to 69.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€104k▲
2024 · €84k
Cash flow
€99k▲
2024 · €84k
Solvency
26.7%▲
2024 · 23.4%
Current ratio
0.02▼
2024 · 0.03
Quick ratio
0.02▼
2024 · 0.03
Debt / equity
2.60▼
2024 · 3.05
ROE
7.2%▲
2024 · -1.0%
ROA
1.9%▲
2024 · -0.2%
Interest coverage
103.86▲
2024 · 19.63
Debt
€783k▼
2024 · €853k
Debt ≤ 1 year
€782k▼
2024 · €853k
Income taxes
€19k▲
2024 · €10k
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€1.19M€1.13M▼
Fixed assets21/28€1.17M€1.12M▼
Tangible fixed assets22/27€1.17M€1.12M▼
Land and buildings22€1.13M€1.09M▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€30k€22k▼
Current assets29/58€28k€14k▼
Amounts receivable within one year40/41€18k€3k▼
Trade receivables40€16k€1k▼
Other amounts receivable41€2k€2k▼
Current investments50/53€2k€8k▲
Cash at bank and in hand54/58€5k€303▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.13M▼
Equity10/15€279k€301k▲
Contributions10/11€62k€66k▲
Reserves13€122k€89k▼
Non-distributable reserves130/1€4k-
Reserves not available under the articles1311€4k-
Tax-exempt reserves132€118k€89k▼
Profit (loss) carried forward14€96k€146k▲
Provisions and deferred taxes16€61k€46k▼
Deferred taxes168€61k€46k▼
Amounts payable17/49€853k€783k▼
Amounts payable within one year42/48€853k€782k▼
Current portion of amounts payable after more than one year42€47k€3k▼
Trade debts44€2k€606▼
Suppliers440/4€2k€606▼
Taxes, remuneration and social security45€6k€15k▲
Taxes450/3€6k€15k▲
Other amounts payable47/48€797k€764k▼
Accrued charges and deferred income492/3€868€539▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€87k€78k▼
Other operating charges640/8€8k€8k▲
Non-recurring operating charges66A€500-
Gross operating margin9900€93k€112k▲
Operating profit (loss)9901€-3k€26k▲
Financial income75/76B€5€9▲
Recurring financial income75€5€9▲
Financial charges65/66B€4k€1k▼
Recurring financial charges65€4k€1k▼
Profit (loss) for the period before taxes9903€-7k€25k▲
Transfer from deferred taxes780€15k€15k=
Income taxes67/77€10k€19k▲
Profit (loss) for the period9904€-3k€22k▲
Transfer from tax-exempt reserves789€29k€29k=
Profit (loss) for the period to be appropriated9905€26k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€96k€146k▲
Profit (loss) brought forward from the previous period14P€69k€96k▲
Transfer from equity791/2-€4k
Transfer to equity691/2-€4k
To contributions691-€4k
The notes to these accounts (8 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €22k
Net result €22k after 3 loss-making years.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 7 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €56k
Net result €56k after one loss-making year.
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Ukkel · 1 establishment unit since 1990
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.
Georges Lecointelaan 501180 UkkelGround area
2,372 m²
Building footprint
431 m²
Volume, LiDAR
3,380 m³
2 parcels, Brussels · tallest building 14.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Georges Rencystraat 25, 1200 Sint-Lambrechts-Woluwe
since 19902.047.326.936
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612D0103/00Z009 | Brussels | 2,238 m² | 1 · 362 m² | 14.1 m · 2 fl. |
| 21673D0151/00W009 | Brussels | 135 m² | 1 · 69 m² | 12.5 m · 3 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.
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Of 2,706 companies in sector 73200 we hold annual accounts for 1,775. 1,326 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-1990
Fiscal year end31-12
Activities, NACEBEL
73200Market research and public opinion polling
74131
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.