SENITER
ActiveSENITER has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €-26k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 61% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency89▼-10
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.56 against 3.46 in 2024; short-term debt: 36.3% and cash: 15.5% of total assets), and 36.3% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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 · 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 2025Solvency, return and age of the figures
Solvency
63.7%
Return on assets
-21%
Age of the figures
9 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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
21 d late
2023
64 d early
2022
39 d early
2021
6 d early
2020
27 d late
2019
59 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▼ 24.8%
2024 · €103k
2018: €85k
2019: €97k
2020: €105k
2021: €66k
2022: €102k
2023: €61k
2024: €103k
2018 → 2025
Total assets
€122k▼ 12.5%
2024 · €140k
2018: €120k
2019: €133k
2020: €141k
2021: €96k
2022: €144k
2023: €101k
2024: €140k
2018 → 2025
Net result
€-26k
2024 · €43k
2018: €-545
2019: €13k
2020: €8k
2021: €13k
2022: €37k
2023: €-42k
2024: €43k
2018 → 2025
Working capital
€69k▼ 22.2%
2024 · €89k
2018: €85k
2019: €97k
2020: €105k
2021: €67k
2022: €89k
2023: €51k
2024: €89k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€102k▲ 55.8%€61k▼ 40.9%€103k▲ 70.8%€78k▼ 24.8%
Operating result€18k-€53k▲ 199%€-42k€48k€-23k
Net result€13k-€37k▲ 185%€-42k€43k€-26k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €23k after €48k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€9k▼ 40.8%
Current assets
€114k▼ 9.2%
Equity and liabilities €122k
Equity
€78k▼ 24.8%
Debt
€44k▲ 22.7%
The debt ratio rises from 25.9% to 36.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-17k▼
2024 · €52k
Cash flow
€-20k▼
2024 · €47k
Solvency
63.7%▼
2024 · 74.1%
Current ratio
2.56▼
2024 · 3.46
Quick ratio
1.70▼
2024 · 2.81
Debt / equity
0.57▲
2024 · 0.35
ROE
-32.9%▼
2024 · 41.5%
ROA
-21.0%▼
2024 · 30.7%
Interest coverage
-6.93▼
2024 · 20.66
Debt
€44k▲
2024 · €36k
Debt ≤ 1 year
€44k▲
2024 · €36k
Income taxes
€186▼
2024 · €3k
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€140k€122k▼
Fixed assets21/28€14k€9k▼
Tangible fixed assets22/27€14k€9k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€8k€4k▼
Current assets29/58€125k€114k▼
Stocks and contracts in progress3€24k€38k▲
Stocks30/36€24k€38k▲
Amounts receivable within one year40/41€7k€12k▲
Trade receivables40€0€12k▲
Other amounts receivable41€7k€0▼
Current investments50/53€34k€34k=
Cash at bank and in hand54/58€51k€19k▼
Deferred charges and accrued income490/1€9k€10k▲
Equity and liabilities
Total equity and liabilities10/49€140k€122k▼
Equity10/15€103k€78k▼
Contributions10/11€19k€19k=
Reserves13€84k€84k=
Distributable reserves133€84k€84k=
Profit (loss) carried forward14€1k€-25k▼
Amounts payable17/49€36k€44k▲
Amounts payable within one year42/48€36k€44k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€45€6k▲
Taxes450/3€45€6k▲
Other amounts payable47/48€34k€37k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€668€689▲
Gross operating margin9900€53k€-17k▼
Operating profit (loss)9901€48k€-23k▼
Financial income75/76B€130€150▲
Recurring financial income75€130€150▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€46k€-25k▼
Income taxes67/77€3k€186▼
Profit (loss) for the period9904€43k€-26k▼
Profit (loss) for the period to be appropriated9905€43k€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-25k▼
Profit (loss) brought forward from the previous period14P€-42k€1k▲
Transfer from equity791/2€0-
The notes to these accounts (12 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
31-12
Financial
Equity above €100kEq €103k ▲70.8%
Equity rises from €61k to €103k.
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-42k ▼214%
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €102k ▲55.8%
4 profitable years in a row build equity to €102k.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Equity above €100kEq €105k ▲8%
2 profitable years in a row build equity to €105k.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gent · 1 establishment unit since 2011
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.
Eedverbondkaai 1169000 GentGround area
1,823 m²
Building footprint
885 m²
Volume, LiDAR
14,451 m³
Parcel 44809I0832/00V000, Flanders · tallest building 19.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
SENITER
since 20112.198.402.357
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0832/00V000 | Flanders | 1,823 m² | 1 · 885 m² | 19.2 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
ABLOC
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VISUALITY
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SOLUTIONS BY NJ
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RoMaRo
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Bespoke
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 7,142 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2011
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.