SENIBEL
ActiveSENIBEL has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €159k and a net result of €-32k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 26% of 37964 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability40▲+23
Solvency54▼-6
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 2.89 in 2023; short-term debt: 21.3% of total assets), but 71.4% 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 · 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
28.6%
Return on assets
-5.8%
Age of the figures
21 mo
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 · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-32k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-09-2025, 36 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d late
2023
28 d late
2022
17 d early
2021
8 d late
2020
24 d late
2019
50 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€159k▼ 16.8%
2023 · €191k
2018: €175k
2019: €198k
2020: €211k
2021: €214k
2022: €220k
2023: €191k
2018 → 2024
Total assets
€555k▲ 1.4%
2023 · €547k
2018: €430k
2019: €486k
2020: €510k
2021: €507k
2022: €590k
2023: €547k
2018 → 2024
Net result
€-32k▼ 10.7%
2023 · €-29k
2018: €52k
2019: €23k
2020: €13k
2021: €3k
2022: €7k
2023: €-29k
2018 → 2024
Working capital
€73k▼ 40.4%
2023 · €123k
2018: €188k
2019: €197k
2020: €208k
2021: €208k
2022: €143k
2023: €123k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€211k-€214k▲ 1.2%€220k▲ 3.1%€191k▼ 13.2%€159k▼ 16.8%
Operating result€25k-€13k▼ 48.1%€-29k€-20k▲ 32.2%€-5k▲ 77.3%
Net result€13k-€3k▼ 80.3%€7k▲ 162%€-29k€-32k▼ 10.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2024 against €20k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €555k
Fixed assets
€364k▲ 1.2%
Current assets
€191k▲ 1.8%
Equity and liabilities €555k
Equity
€159k▼ 16.8%
Debt
€396k▲ 11.2%
The debt ratio rises from 65.1% to 71.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€14k▲
2023 · €5k
Cash flow
€-14k▼
2023 · €-4k
Solvency
28.6%▼
2023 · 34.9%
Current ratio
1.62▼
2023 · 2.89
Quick ratio
1.62▼
2023 · 2.89
Debt / equity
2.49▲
2023 · 1.86
ROE
-20.3%▼
2023 · -15.2%
ROA
-5.8%▼
2023 · -5.3%
Interest coverage
3.38▲
2023 · 0.53
Debt
€396k▲
2023 · €356k
Debt ≤ 1 year
€118k▲
2023 · €65k
Debt > 1 year
€278k▼
2023 · €291k
Income taxes
€24k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€547k€555k▲
Fixed assets21/28€360k€364k▲
Tangible fixed assets22/27€285k€289k▲
Land and buildings22€267k€269k▲
Furniture and vehicles24€18k€20k▲
Financial fixed assets28€75k€75k=
Current assets29/58€188k€191k▲
Amounts receivable within one year40/41€188k€191k▲
Trade receivables40€6k€45k▲
Other amounts receivable41€181k€146k▼
Cash at bank and in hand54/58€401-
Equity and liabilities
Total equity and liabilities10/49€547k€555k▲
Equity10/15€191k€159k▼
Contributions10/11€50k€50k=
Outside capital11€50k-
Other1109/19€50k-
Reserves13€5k€5k=
Tax-exempt reserves132-€5k
Distributable reserves133€5k-
Profit (loss) carried forward14€136k€104k▼
Amounts payable17/49€356k€396k▲
Amounts payable after more than one year17€291k€278k▼
Financial debts170/4€291k€278k▼
Amounts payable within one year42/48€65k€118k▲
Current portion of amounts payable after more than one year42€21k€17k▼
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48€40k€88k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€18k▼
Other operating charges640/8€12k€9k▼
Gross operating margin9900€17k€23k▲
Operating profit (loss)9901€-20k€-5k▲
Financial charges65/66B€9k€4k▼
Recurring financial charges65€9k€4k▼
Profit (loss) for the period before taxes9903€-29k€-9k▲
Income taxes67/77-€24k
Profit (loss) for the period9904€-29k€-32k▼
Profit (loss) for the period to be appropriated9905€-29k€-32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€136k€104k▼
Profit (loss) brought forward from the previous period14P€165k€136k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 36 days late
2024
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Equity above €200kEq €211k ▲6.4%
3 profitable years in a row build equity to €211k.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
2016
28-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Pelt · 1 establishment unit since 2008
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.
Industrielaan 143900 PeltGround area
6,246 m²
Building footprint
4,152 m²
Volume, LiDAR
25,405 m³
2 parcels, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Senibel
since 20082.171.155.057
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72502E0102/00T166 | Flanders | 5,652 m² | 1 · 3,994 m² | 11.0 m · 2 fl. |
| 72362C0419/00D000 | Flanders | 593 m² | 1 · 158 m² | 8.3 m · 2 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.
Similar companies · same sector, comparable size
TENCES
BE 0791.291.950
Aalst · Eq €159k
DERT13N
BE 1002.530.929
Hamont-Achel · Eq €159k
Gerdi Vankeirsbilck
BE 0825.504.840
Roeselare · Eq €159k
MANUEL
BE 0635.906.264
Geraardsbergen · Eq €160k
CRIFINI
BE 0869.782.964
Schoten · Eq €160k
Of 5,696 companies in sector 70100 we hold annual accounts for 3,489. 2,359 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-2008
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
46835Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.