SENGO
ActiveSummary
SENGO has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.2m and a net result of €1.8m. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 45% of 6545 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency53▲+4
Growth55=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80,000 at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.22 in 2023; short-term debt: 56.9% and cash: 1.4% of total assets), and 71.7% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
28.3%
Return on assets
42.5%
Age of the figures
21 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 22-06-2026, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
22 d early
2023
15 d early
2022
33 d early
2021
24 d early
2020
24 d early
2019
28 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 26 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 7 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, full schema
In the rankings
#2 employer in Hannut, Wholesale and retail trade sector#3 company by total assets in Hannut, Wholesale and retail trade sector#7 company by equity in Hannut, Wholesale and retail trade sector
Turnover
€9.7m▲ 0.5%
2022 · €9.7m
EBIT margin
22.0%▼ 2.1pp
2022 · 24.1%
Net result
€1.8m▲ 5.6%
2023 · €1.7m
Working capital
€681,037▲ 50.4%
2023 · €452,892
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€9.7m▲ 17.3%€10.2m▲ 5.8%€9.7m▼ 5.3%€9.7m▲ 0.5%
Operating result€2.4m▲ 51.1%€2.5m▲ 5.6%€2.3m▼ 6.2%€2.1m▼ 8.2%€2.2m▲ 3.4%
Net result€1.9mabove the sector's middle half▲ 69.6%€2.1mabove the sector's middle half▲ 9.1%€1.9mabove the sector's middle half▼ 5.6%€1.7mabove the sector's middle half▼ 11.4%€1.8mabove the sector's middle half▲ 5.6%
EBIT margin24.3%▲ 5.4pp24.3%=24.1%▼ 0.2pp22.0%▼ 2.1pp
Equity€1.7mabove the sector's middle half▲ 11.9%€1.9mabove the sector's middle half▲ 9.0%€1.9mabove the sector's middle half▲ 2.1%€894,102above the sector's middle half▼ 53.6%€1.2mabove the sector's middle half▲ 35.3%
Total assets€5.8mabove the sector's middle half▲ 18.4%€5.6mabove the sector's middle half▼ 2.8%€5.5mabove the sector's middle half▼ 1.7%€3.7mabove the sector's middle half▼ 33.4%€4.3mabove the sector's middle half▲ 16.0%
Debt€4.1m▲ 21.4%€3.7m▼ 7.9%€3.6m▼ 3.6%€2.8m▼ 22.6%€3.1m▲ 9.8%
Working capital€1.5mabove the sector's middle half▲ 14.7%€1.6mabove the sector's middle half▲ 7.7%€1.6mabove the sector's middle half▼ 1.1%€452,892within the sector's middle half▼ 71.1%€681,037above the sector's middle half▲ 50.4%
Solvency29.9%within the sector's middle half▼ 1.7pp33.5%within the sector's middle half▲ 3.6pp34.8%within the sector's middle half▲ 1.3pp24.3%within the sector's middle half▼ 10.6pp28.3%within the sector's middle half▲ 4.0pp
Current ratio1.50within the sector's middle half▼ 0.111.57within the sector's middle half▲ 0.071.57within the sector's middle half=1.22within the sector's middle half▼ 0.351.28within the sector's middle half▲ 0.06
Return on assets (ROA)32.6%above the sector's middle half▲ 9.8pp36.6%above the sector's middle half▲ 4.0pp35.1%above the sector's middle half▼ 1.5pp46.7%above the sector's middle half▲ 11.6pp42.5%above the sector's middle half▼ 4.2pp
Staff (FTE)23.4above the sector's middle half▲ 3.1%23.3above the sector's middle half▼ 0.4%23.7above the sector's middle half▲ 1.7%22.9above the sector's middle half▼ 3.4%24.2above the sector's middle half▲ 5.7%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 3% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.3m
Fixed assets
€1.2m ▼ 1.6%
Current assets
€3.1m ▲ 24.3%
Equity and liabilities €4.3m
Equity
€1.2m ▲ 35.3%
Debt
€3.1m ▲ 9.8%
Debt's share of the balance-sheet total falls from 75.7% to 71.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2.3m▲
2023 · €2.2m
Cash flow
€1.9m▲
2023 · €1.8m
Quick ratio
0.51▲
2023 · 0.26
Debt to equity
2.53▼
2023 · 3.12
ROE
150.1%▼
2023 · 192.3%
Interest coverage
51.84▼
2023 · 110.59
Debt ≤ 1 year
€2.4m▲
2023 · €2.0m
Debt > 1 year
€631,099▼
2023 · €737,767
Income taxes
€364,919▼
2023 · €374,119
Staff costs
€854,865▼
2023 · €869,171
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,613 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
2.0%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,613 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €10.2m | €9.7m | €9.7m | - | - |
| Turnover70 | €9.7m | €10.2m | €9.7m | €9.7m | - | - |
| Other operating income74 | - | €19,387 | €60,823 | €25,786 | - | - |
| Operating charges60/66A | - | €7.8m | €7.4m | €7.6m | - | - |
| Goods for resale, raw materials and consumables60 | - | €6.1m | €5.7m | €5.9m | - | - |
| Purchases600/8 | - | €6.5m | €6.0m | €5.9m | - | - |
| Change in stocks: decrease (increase)609 | - | -€321,649 | -€295,581 | -€34,603 | - | - |
| Services and other goods61 | - | €636,160 | €640,076 | €703,359 | - | - |
| Remuneration, social security and pensions62 | - | €834,940 | €883,360 | €869,171 | €854,865 | ▼ 1.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €120,490 | €103,131 | €95,943 | €99,343 | €79,736 | ▼ 19.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €0 | -€1,465 | €3,039 | -€3,039 | ▼ 200% |
| Other operating charges640/8 | - | €44,664 | €50,088 | €50,677 | €53,849 | ▲ 6.3% |
| Gross operating margin9900 | - | - | - | - | €3.2m | - |
| Operating profit (loss)9901 | €2.4m | €2.5m | €2.3m | €2.1m | €2.2m | ▲ 3.4% |
| Financial income75/76B | - | €1,653 | €0 | €108 | €13,264 | ▲ 12,239% |
| Recurring financial income75 | €2,849 | €1,653 | €0 | €108 | €13,264 | ▲ 12,239% |
| Other financial income752/9 | - | €1,653 | €0 | €108 | - | - |
| Financial charges65/66B | - | €50,104 | €48,848 | €45,629 | €44,200 | ▼ 3.1% |
| Recurring financial charges65 | €54,835 | €50,104 | €48,848 | €45,629 | €44,200 | ▼ 3.1% |
| Debt charges650 | €29,819 | €26,440 | €23,204 | €20,235 | - | - |
| Other financial charges652/9 | - | €23,665 | €25,645 | €25,394 | - | - |
| Profit (loss) for the period before taxes9903 | €2.3m | €2.4m | €2.3m | €2.1m | €2.2m | ▲ 4.2% |
| Income taxes67/77 | €414,233 | €378,996 | €340,336 | €374,119 | €364,919 | ▼ 2.5% |
| Taxes670/3 | - | €379,000 | €340,504 | €374,119 | - | - |
| Tax adjustments and reversals of tax provisions77 | - | €4 | €168 | €0 | - | - |
| Profit (loss) for the period9904 | €1.9m | €2.1m | €1.9m | €1.7m | €1.8m | ▲ 5.6% |
| Transfer from tax-exempt reserves789 | - | - | €71,200 | €0 | - | - |
| Profit (loss) for the period to be appropriated9905 | €1.9m | €2.1m | €2.0m | €1.7m | €1.8m | ▲ 5.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.8m | €5.6m | €5.5m | €3.7m | €4.3m | ▲ 16.0% |
| Fixed assets21/28 | €1.4m | €1.3m | €1.2m | €1.2m | €1.2m | ▼ 1.6% |
| Intangible fixed assets21 | €1,248 | €595 | €0 | - | - | - |
| Tangible fixed assets22/27 | €1.4m | €1.3m | €1.2m | €1.2m | €1.2m | ▼ 1.6% |
| Land and buildings22 | - | €1.2m | €1.2m | €1.1m | €1.1m | ▼ 4.8% |
| Plant, machinery and equipment23 | - | €47,787 | €32,067 | €34,264 | €63,459 | ▲ 85.2% |
| Furniture and vehicles24 | - | €186 | €1,820 | €39,377 | €44,064 | ▲ 11.9% |
| Financial fixed assets28 | €460 | €460 | €460 | €460 | €460 | = |
| Other financial fixed assets284/8 | - | €460 | €460 | €460 | - | - |
| Amounts receivable and cash guarantees285/8 | - | €460 | €460 | €460 | - | - |
| Current assets29/58 | €4.4m | €4.4m | €4.3m | €2.5m | €3.1m | ▲ 24.3% |
| Stocks and contracts in progress3 | €1.3m | €1.6m | €1.9m | €2.0m | €1.9m | ▼ 4.6% |
| Stocks30/36 | - | €1.6m | €1.9m | €2.0m | €1.9m | ▼ 4.6% |
| Goods purchased for resale34 | - | €1.6m | €1.9m | €2.0m | - | - |
| Amounts receivable within one year40/41 | €3.0m | €1.9m | €1.8m | €424,218 | €1.2m | ▲ 173% |
| Trade receivables40 | - | €367,045 | €311,516 | €301,549 | €382,577 | ▲ 26.9% |
| Other amounts receivable41 | - | €1.6m | €1.5m | €122,669 | €775,579 | ▲ 532% |
| Cash at bank and in hand54/58 | €120,539 | €777,614 | €549,137 | €104,178 | €58,315 | ▼ 44.0% |
| Deferred charges and accrued income490/1 | - | €0 | - | €120 | €10,488 | ▲ 8,640% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.8m | €5.6m | €5.5m | €3.7m | €4.3m | ▲ 16.0% |
| Equity10/15 | €1.7m | €1.9m | €1.9m | €894,102 | €1.2m | ▲ 35.3% |
| Contributions10/11 | €82,000 | €82,000 | €82,000 | €82,000 | €82,000 | = |
| Capital10 | - | €82,000 | €82,000 | €82,000 | €82,000 | = |
| Issued capital100 | - | €82,000 | €82,000 | €82,000 | €82,000 | = |
| Reserves13 | €1.6m | €1.8m | €1.8m | €812,102 | €1.1m | ▲ 38.9% |
| Non-distributable reserves130/1 | - | €8,200 | €8,200 | €8,200 | €8,200 | = |
| Legal reserve130 | - | €8,200 | €8,200 | €8,200 | €8,200 | = |
| Tax-exempt reserves132 | - | €77,149 | €5,949 | €5,949 | €5,949 | = |
| Distributable reserves133 | - | €1.7m | €1.8m | €797,952 | €1.1m | ▲ 39.5% |
| Profit (loss) carried forward14 | - | - | - | - | €0 | - |
| Amounts payable17/49 | €4.1m | €3.7m | €3.6m | €2.8m | €3.1m | ▲ 9.8% |
| Amounts payable after more than one year17 | €1.1m | €967,457 | €844,435 | €737,767 | €631,099 | ▼ 14.5% |
| Financial debts170/4 | - | €967,457 | €844,435 | €737,767 | €631,099 | ▼ 14.5% |
| Credit institutions173 | - | €967,457 | €844,435 | €737,767 | - | - |
| Amounts payable within one year42/48 | €2.9m | €2.8m | €2.8m | €2.0m | €2.4m | ▲ 18.5% |
| Current portion of amounts payable after more than one year42 | - | €145,956 | €123,022 | €106,668 | €106,668 | = |
| Trade debts44 | €773,417 | €588,040 | €606,623 | €578,589 | €639,238 | ▲ 10.5% |
| Suppliers440/4 | - | €588,040 | €606,623 | €578,589 | €639,238 | ▲ 10.5% |
| Advances received on contracts in progress46 | - | €2,390 | €0 | - | - | - |
| Taxes, remuneration and social security45 | - | €131,103 | €125,390 | €113,048 | €181,264 | ▲ 60.3% |
| Taxes450/3 | - | €0 | - | €45 | €64,401 | ▲ 143,683% |
| Remuneration and social security454/9 | - | €131,103 | €125,390 | €113,004 | €116,864 | ▲ 3.4% |
| Other amounts payable47/48 | - | €1.9m | €1.9m | €1.3m | €1.5m | ▲ 20.0% |
| Accrued charges and deferred income492/3 | - | - | - | €270 | €296 | ▲ 9.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1.9m | €2.1m | €1.9m | €1.7m | €1.8m | ▲ 5.6% |
| + Depreciation and write-downs630 | €120,490 | €103,131 | €95,943 | €99,343 | €79,736 | ▼ 19.7% |
| Operating cash flow (approximation) | €2.0m | €2.2m | €2.0m | €1.8m | €1.9m | ▲ 4.2% |
| Investment in fixed assets (approximation) | - | €0 | -€30,409 | -€76,952 | -€60,490 | ▲ 21.4% |
| Change in cash | - | €657,075 | -€228,477 | -€444,958 | -€45,863 | ▲ 89.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €1mEq €1.2m ▲35.3%
7 profitable years in a row build equity to €1.2m.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €2.1m ▲9.1%
Operating result €2.5m, net result €2.1m, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
13-07
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.
0 of 9 acts read
About the unread acts
We know of 9 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
Directors
9 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, Hannut · 1 establishment unit since 1983
Ground area
1.3 ha
Building footprint
5,754 m²
Parcel 64034A0758/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Landen 70, 4280 Hannut
since 19832.021.272.538
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64034A0758/00L000 | Wallonia | 1.3 ha | 1 · 5,754 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- GIKINVEST
- SENGO
Highest known parent: GIKINVEST. The sources do not say who stands above it.
Owners 1
- GIKINVESTparent100%
Stated earlier (2)
An older source named these owners; newer accounts no longer list them.
- Sourceown accounts 202299.97%
-
0.03%
Holdings 0
The accounts to 31-12-2022 list no holdings, and no other source names one.
According to the 2022 annual accounts of SENGO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHannut2.021.272.538
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Of 1,719 companies in sector 47521 we hold annual accounts for 1,288. 915 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded15-11-1982
Fiscal year end31-12
Activities, NACEBEL 2025
47521Retail sale of hardware, building materials, paint and glass (general range)
47120Other non-specialised retail sale
E-invoicing
Reachable via Peppol
Peppol ID
0208:0423049167
Also
9925:BE0423049167
Registered
26-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.