Summary
SENMAR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €34,303 and a net result of -€17,716. Equity is shrinking by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 85% of 2464 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
6 d early
2023
55 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 10 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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 25 July (3 of the last 3 filed years within 48 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€34,303▼ 34.1%
2024 · €52,019
Net result
-€17,716▼ 950%
2024 · -€1,688
Total assets
€39,273▼ 35.9%
2024 · €61,258
Solvency
87.3%▲ 2.4pp
2024 · 84.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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
Line202320242025
Operating result-€2,218-€2,103-€14,364
Net result-€4,386below the sector's middle half--€1,688below the sector's middle half▲ 61.5%-€17,716below the sector's middle half▼ 950%
Equity€53,707within the sector's middle half-€52,019within the sector's middle half▼ 3.1%€34,303below the sector's middle half▼ 34.1%
Total assets€69,307below the sector's middle half-€61,258below the sector's middle half▼ 11.6%€39,273below the sector's middle half▼ 35.9%
Debt€15,600-€9,240▼ 40.8%€4,970▼ 46.2%
Working capital€28,953within the sector's middle half-€43,672within the sector's middle half▲ 50.8%€28,959within the sector's middle half▼ 33.7%
Solvency77.5%above the sector's middle half-84.9%above the sector's middle half▲ 7.4pp87.3%above the sector's middle half▲ 2.4pp
Current ratio3.98within the sector's middle half-5.73above the sector's middle half▲ 1.757.12above the sector's middle half▲ 1.39
Return on assets (ROA)-6.3%below the sector's middle half--2.8%below the sector's middle half▲ 3.6pp-45.1%below the sector's middle half▼ 42.4pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 €14,364 after €2,103 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39,273
Fixed assets
€5,582 ▼ 33.1%
Current assets
€33,691 ▼ 36.3%
Equity and liabilities €39,273
Equity
€34,303 ▼ 34.1%
Debt
€4,970 ▼ 46.2%
Debt's share of the balance-sheet total falls from 15.1% to 12.7%. Equity and debt are lower.
Key figures and ratios
ROE
-51.6%▼
2024 · -3.2%
Debt ≤ 1 year
€4,732▼
2024 · €9,239
Income taxes
€392▼
2024 · €2,244
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,282 | €2,363 | €2,765 | ▲ 17.0% |
| Other operating charges640/8 | €715 | €1,345 | €867 | ▼ 35.5% |
| Non-recurring operating charges66A | - | €1,166 | €2,500 | ▲ 114% |
| Gross operating margin9900 | €15,780 | €6,978 | -€8,232 | ▼ 218% |
| Operating profit (loss)9901 | -€2,218 | €2,103 | -€14,364 | ▼ 783% |
| Financial income75/76B | €105 | €467 | €367 | ▼ 21.5% |
| Recurring financial income75 | €105 | €467 | €367 | ▼ 21.5% |
| Financial charges65/66B | €854 | €2,014 | €3,327 | ▲ 65.2% |
| Recurring financial charges65 | €854 | €2,014 | €3,327 | ▲ 65.2% |
| Profit (loss) for the period before taxes9903 | -€2,966 | €556 | -€17,324 | ▼ 3,215% |
| Income taxes67/77 | €1,419 | €2,244 | €392 | ▼ 82.5% |
| Profit (loss) for the period9904 | -€4,386 | -€1,688 | -€17,716 | ▼ 950% |
| Profit (loss) for the period to be appropriated9905 | -€4,386 | -€1,688 | -€17,716 | ▼ 950% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €69,307 | €61,258 | €39,273 | ▼ 35.9% |
| Fixed assets21/28 | €30,625 | €8,347 | €5,582 | ▼ 33.1% |
| Tangible fixed assets22/27 | €30,625 | €8,347 | €5,582 | ▼ 33.1% |
| Plant, machinery and equipment23 | €4,094 | €8,347 | €5,582 | ▼ 33.1% |
| Furniture and vehicles24 | €26,532 | €0 | - | - |
| Current assets29/58 | €38,682 | €52,911 | €33,691 | ▼ 36.3% |
| Amounts receivable after more than one year29 | - | €2,500 | €0 | ▼ 100% |
| Other amounts receivable291 | - | €2,500 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €18,520 | €26,967 | €25,947 | ▼ 3.8% |
| Trade receivables40 | €12,714 | €16,804 | €17,631 | ▲ 4.9% |
| Other amounts receivable41 | €5,806 | €10,163 | €8,315 | ▼ 18.2% |
| Cash at bank and in hand54/58 | €10,485 | €12,670 | €917 | ▼ 92.8% |
| Deferred charges and accrued income490/1 | €9,677 | €10,774 | €6,828 | ▼ 36.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €69,307 | €61,258 | €39,273 | ▼ 35.9% |
| Equity10/15 | €53,707 | €52,019 | €34,303 | ▼ 34.1% |
| Contributions10/11 | €500 | €500 | €500 | = |
| Reserves13 | €61,900 | €61,900 | €61,900 | = |
| Distributable reserves133 | €61,900 | €61,900 | €61,900 | = |
| Profit (loss) carried forward14 | -€8,693 | -€10,381 | -€28,097 | ▼ 171% |
| Amounts payable17/49 | €15,600 | €9,240 | €4,970 | ▼ 46.2% |
| Amounts payable after more than one year17 | €5,534 | €0 | - | - |
| Financial debts170/4 | €5,534 | €0 | - | - |
| Amounts payable within one year42/48 | €9,729 | €9,239 | €4,732 | ▼ 48.8% |
| Current portion of amounts payable after more than one year42 | €8,186 | €5,534 | €0 | ▼ 100% |
| Trade debts44 | €1,543 | €2,461 | €1,950 | ▼ 20.8% |
| Suppliers440/4 | €1,543 | €2,461 | €1,950 | ▼ 20.8% |
| Taxes, remuneration and social security45 | €0 | €1,244 | €2,782 | ▲ 124% |
| Taxes450/3 | €0 | €1,244 | €2,782 | ▲ 124% |
| Accrued charges and deferred income492/3 | €337 | €0 | €239 | ▲ 76,865% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,386 | -€1,688 | -€17,716 | ▼ 950% |
| + Depreciation and write-downs630 | €17,282 | €2,363 | €2,765 | ▲ 17.0% |
| Operating cash flow (approximation) | €12,896 | €676 | -€14,951 | ▼ 2,313% |
| Investment in fixed assets (approximation) | - | €19,915 | €0 | ▼ 100% |
| Change in cash | - | €2,185 | -€11,753 | ▼ 638% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
15-05
State Gazette act
Incorporation · Legal form clause
Name clause · Registered office clause
2025
31-12
Financial
Weakest financial yearnet -€17,716
Net result drops to -€17,716, the lowest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB 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, Leopoldsburg · 1 establishment unit since 2018
Ground area
413 m²
Building footprint
73 m²
Volume, LiDAR
497 m³
Parcel 71034A4348/00F000, Flanders · tallest building 14.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sparrenstraat 47, 3970 Leopoldsburg
since 20182.271.608.059
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71034A4348/00F000 | Flanders | 413 m² | 1 · 73 m² | 14.4 m · 3 fl. |
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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 1,288 EUR awarded · 1,288 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 830 EUR | 830 EUR |
| 2024 | 1 | 458 EUR | 458 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
648869VI8Y27B2HN6U57
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 1,989 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66210Risk and damage evaluation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0687585092
Also
9925:BE0687585092
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.