Senimar
ActiveSummary
Senimar has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €57k and a net result of €3k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 40% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability64▲+64
Solvency74▼-26
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.95 against 1.06 in 2023; short-term debt: 39.7% and cash: 17.6% of total assets), and 50.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 69
Relative position
BE, all sectors
reference
Sector 69
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
49.1%
Return on assets
2.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
67 d late
2022
31 d late
2021
16 d late
2020
96 d late
2019
120 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€57k▲ 4.6%
2023 · €55k
2018: €31k
2019: €55k
2020: €80k
2021: €84k
2022: €81k
2023: €55k
2018 → 2024
Total assets
€117k▲ 80.6%
2023 · €65k
2018: €136k
2019: €115k
2020: €111k
2021: €110k
2022: €100k
2023: €65k
2018 → 2024
Net result
€3k
2023 · €-26k
2018: €13k
2019: €25k
2020: €25k
2021: €16k
2022: €-1k
2023: €-26k
2018 → 2024
Working capital
€-2k
2023 · €628
2018: €-97k
2019: €-56k
2020: €-18k
2021: €-3k
2022: €7k
2023: €628
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€80k-€84k▲ 5.2%€81k▼ 3.7%€55k▼ 32.5%€57k▲ 4.6%
Operating result€34k-€26k▼ 25.2%€1k▼ 94.8%€-25k€9k
Net result€25k-€16k▼ 34.3%€-1k€-26k▼ 2,271%€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €9k after a loss of €25k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €117k
Fixed assets
€73k ▲ 34.0%
Current assets
€44k ▲ 323%
Equity and liabilities €117k
Equity
€57k ▲ 4.6%
Debt
€59k ▲ 506%
Debt's share of the balance-sheet total rises from 15.2% to 50.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€32k▲
2023 · €-4k
Cash flow
€25k▲
2023 · €-5k
Current ratio
0.95▼
2023 · 1.06
Debt to equity
1.04▲
2023 · 0.18
ROE
4.4%▲
2023 · -48.1%
ROA
2.2%▲
2023 · -40.8%
Interest coverage
5.16▲
2023 · -6.49
Debt ≤ 1 year
€46k▲
2023 · €10k
Debt > 1 year
€13k
Income taxes
€466▲
2023 · €383
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 42 lines
Balance sheet
Code20232024
Assets
Total assets20/58€65k€117k▲
Fixed assets21/28€54k€73k▲
Intangible fixed assets21€41k€27k▼
Tangible fixed assets22/27€14k€46k▲
Furniture and vehicles24€14k€46k▲
Current assets29/58€10k€44k▲
Amounts receivable within one year40/41€6k€19k▲
Trade receivables40-€13k
Other amounts receivable41€6k€7k▲
Cash at bank and in hand54/58€4k€21k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€65k€117k▲
Equity10/15€55k€57k▲
Contributions10/11€5k€5k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€48k€51k▲
Amounts payable17/49€10k€59k▲
Amounts payable after more than one year17-€13k
Financial debts170/4-€13k
Amounts payable within one year42/48€10k€46k▲
Current portion of amounts payable after more than one year42-€5k
Trade debts44-€2k
Suppliers440/4-€2k
Advances received on contracts in progress46-€29k
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€10k€11k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€667€35k▲
Operating profit (loss)9901€-25k€9k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€571€6k▲
Recurring financial charges65€571€6k▲
Profit (loss) for the period before taxes9903€-26k€3k▲
Income taxes67/77€383€466▲
Profit (loss) for the period9904€-26k€3k▲
Profit (loss) for the period to be appropriated9905€-26k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€51k▲
Profit (loss) brought forward from the previous period14P€75k€48k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
06-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 67 days late
2023
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
04-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 96 days late
2020
28-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 120 days late
2019
31-12
Financial
Highest result since 2018net €25k ▲92.7%
Operating result €36k, net result €25k, both a record.
14-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 75 days late
2018
10-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 71 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
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, Watermaal-Bosvoorde · 1 establishment unit since 2017
Ground area
458 m²
Building footprint
253 m²
Volume, LiDAR
3,364 m³
2 parcels, Brussels · tallest building 19.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Senimar
since 20172.264.076.703
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0384/00Z004 | Brussels | 258 m² | 1 · 186 m² | 19.3 m · 5 fl. |
| 21652E0019/00T018 | Brussels | 200 m² | 1 · 67 m² | 12.6 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 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,307 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:valverde@vvh-law.be
Phone:0475/77.96.37
Fax:02/539.05.00