SENIOTEL 3

Active

Public limited companyfounded 199135 yrs activeRue du Molignat,St-Germain 14, 5310 Eghezée, BelgiumKBO/BCE: BE 0445.249.202

Summary

SENIOTEL 3 has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.0m and a net result of €48,233. Equity remains stable across the filed fiscal years (±1.7% per year). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

SENIOTEL 3ActiveChecked score 96/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€2.0mtotal assets 2025

Equity: €2.0m
Profit: €48,233

Turnover not published (abridged schema)

Financial health

96 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Accounts filed 39 d late0 of 9 deeds read

Why 96- 1 change of registered office in 24 months- Latest accounts 39 days late; 1 of the last 3 late+ Size: total assets €2.0m+ Equity €2.0m (99.3% of total assets)Show the evidence

Checked score

Score 2025

96 / 100

Excellent

Probability in this band: under 0.55%

Better than 77% of its sector peers (no NACE code, small)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 99.3% of total assets

Liquidity 65-5

short-term debt 0.6% · cash 12.4%

Profitability 72-4

return on assets 2.4%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%▲ +3.7% vs 02-2025 04-2025: < 0.1%● 0.0% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%▲ +3.6% vs 05-2025 07-2025: < 0.1%▲ +20.7% vs 06-2025 08-2025: < 0.1%▼ -28.6% vs 07-2025lowest value 09-2025: < 0.1%● 0.0% vs 08-2025lowest value 10-2025: < 0.1%● 0.0% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%▲ +96.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%▲ +2.0% vs 01-2026 03-2026: 0.1%▲ +2.0% vs 02-2026 04-2026: 0.1%▲ +9.8% vs 03-2026 05-2026: 0.1%▲ +21.4% vs 04-2026 06-2026: 0.1%▲ +19.1% vs 05-2026 07-2026: 0.1%▲ +22.2% vs 06-2026 08-2026: 0.2%▲ +121% vs 07-2026 09-2026: 0.3%▲ +35.6% vs 08-2026highest value 10-2026: 0.1%▼ -60.3% vs 09-2026

Size: total assets €2.0m lowers the probability for this profile
1 change of registered office in 24 months raises the probability
Equity €2.0m (99.3% of total assets) lowers the probability
Latest accounts 39 days late; 1 of the last 3 late raises the probability

Credit up to €190,000 at 30 days acceptable

short-term debt: 0.6% and cash: 12.4% of total assets, and 0.7% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, small). Better than this share of them on solvency 82%, liquidity 87%, profitability 78%, growth against the median 60%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €2.0m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Equity €2.0m (99.3% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts 39 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

A punctual record breaks

This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 10 filings

Deviation from the deadline

2025

39 d late

2024

29 d early

2023

30 d early

2022

14 d early

2021

33 d early

2020

29 d early

2019

29 d early

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 18 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)

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 2 July (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

06-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage