SENOR
ActiveSENOR has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €763k and a net result of €58k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 82% of 11195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▲+11
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 9.58 against 16.5 in 2024), and 18.7% 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 · 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
81.3%
Return on assets
6.1%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
27 d late
2022
30 d late
2021
45 d late
2020
37 d late
2019
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close14-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€763k▲ 7.9%
2024 · €707k
2019: €370k
2020: €410k
2021: €500k
2022: €661k
2023: €669k
2024: €707k
2019 → 2025
Total assets
€939k▲ 0.6%
2024 · €933k
2019: €636k
2020: €642k
2021: €754k
2022: €1.01M
2023: €1.03M
2024: €933k
2019 → 2025
Net result
€58k▲ 52.9%
2024 · €38k
2019: €41k
2020: €40k
2021: €90k
2022: €236k
2023: €72k
2024: €38k
2019 → 2025
Working capital
€560k▼ 10.0%
2024 · €623k
2019: €84k
2020: €156k
2021: €263k
2022: €427k
2023: €567k
2024: €623k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€500k-€661k▲ 32.1%€669k▲ 1.3%€707k▲ 5.6%€763k▲ 7.9%
Operating result€131k-€349k▲ 166%€110k▼ 68.4%€64k▼ 41.7%€84k▲ 31.3%
Net result€90k-€236k▲ 161%€72k▼ 69.5%€38k▼ 47.6%€58k▲ 52.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 31% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €939k
Fixed assets
€314k▲ 15.9%
Current assets
€625k▼ 5.6%
Equity and liabilities €939k
Equity
€763k▲ 7.9%
Debt
€176k▼ 22.2%
The debt ratio falls from 24.2% to 18.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€154k▲
2024 · €127k
Cash flow
€128k▲
2024 · €101k
Solvency
81.3%▲
2024 · 75.8%
Current ratio
9.58▼
2024 · 16.50
Quick ratio
9.43▼
2024 · 16.30
Debt / equity
0.23▼
2024 · 0.32
ROE
7.6%▲
2024 · 5.3%
ROA
6.1%▲
2024 · 4.0%
Interest coverage
17.01▲
2024 · 12.21
Debt
€176k▼
2024 · €226k
Debt ≤ 1 year
€65k▲
2024 · €40k
Debt > 1 year
€104k▼
2024 · €179k
Income taxes
€24k▲
2024 · €18k
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€933k€939k▲
Fixed assets21/28€271k€314k▲
Intangible fixed assets21€3k€1k▼
Tangible fixed assets22/27€268k€312k▲
Plant, machinery and equipment23€358€7k▲
Furniture and vehicles24€26k€45k▲
Leasing and similar rights25€241k€193k▼
Other tangible fixed assets26-€67k
Financial fixed assets28€65-
Current assets29/58€663k€625k▼
Stocks and contracts in progress3€8k€10k▲
Stocks30/36€8k€10k▲
Amounts receivable within one year40/41€73k€59k▼
Trade receivables40€50k€39k▼
Other amounts receivable41€23k€20k▼
Current investments50/53€397k€496k▲
Cash at bank and in hand54/58€180k€51k▼
Deferred charges and accrued income490/1€6k€9k▲
Equity and liabilities
Total equity and liabilities10/49€933k€939k▲
Equity10/15€707k€763k▲
Contributions10/11€133k€133k=
Reserves13€574k€630k▲
Distributable reserves133€574k€630k▲
Amounts payable17/49€226k€176k▼
Amounts payable after more than one year17€179k€104k▼
Financial debts170/4€42k€18k▼
Other amounts payable178/9€137k€86k▼
Amounts payable within one year42/48€40k€65k▲
Current portion of amounts payable after more than one year42€25k€24k▼
Trade debts44€3k€21k▲
Suppliers440/4€3k€21k▲
Taxes, remuneration and social security45€13k€7k▼
Taxes450/3€10k€6k▼
Remuneration and social security454/9€3k€1k▼
Other amounts payable47/48-€13k
Accrued charges and deferred income492/3€7k€6k▼
Income statement
Code20242025
Non-recurring operating income76A€6k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€70k▲
Other operating charges640/8€12k€9k▼
Gross operating margin9900€139k€163k▲
Operating profit (loss)9901€64k€84k▲
Financial income75/76B€2k€7k▲
Recurring financial income75€2k€7k▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€56k€82k▲
Income taxes67/77€18k€24k▲
Profit (loss) for the period9904€38k€58k▲
Profit (loss) for the period to be appropriated9905€38k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€58k▲
Transfer from equity791/2-€2k
Transfer to equity691/2€38k€58k▲
To other reserves6921€38k€58k▲
Profit to be distributed694/7-€2k
Return on contributions (dividend)694-€2k
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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €38k ▼47.6%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity triplescurrent ratio 16.50
Current ratio from 5.02 to 16.50; short-term debt falls from €141k to €40k.
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
31-03
Financial
Highest result since 2019net €236k ▲161%
Operating result €349k, net result €236k, both a record.
2021
15-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 45 days late
31-03
Financial
Equity above €500kEq €500k ▲22%
3 profitable years in a row build equity to €500k.
2020
07-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 37 days late
2019
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2017
27-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2016
24-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
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, Ronse · 1 establishment unit since 2007
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.
Ninovestraat 1399600 RonseGround area
378 m²
Building footprint
284 m²
Volume, LiDAR
2,002 m³
Parcel 45041B0661/00R006, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SENOR BVBA
since 20072.165.059.497
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45041B0661/00R006 | Flanders | 378 m² | 1 · 284 m² | 11.7 m · 2 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
MEDIM
BE 0745.915.647
Kruisem · Eq €766k
Farmadistri
BE 0716.742.995
Oudenburg · Eq €760k
STERIMED
BE 0862.447.784
Riemst · Eq €759k
VALERCO
BE 0478.658.475
Kontich · Eq €771k
RESEARCH, DEVELOPMENT AND SALES FOR MEDECINE
BE 0453.323.857
Hasselt · Eq €771k
Of 1,894 companies in sector 46460 we hold annual accounts for 1,114. 762 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2007
Fiscal year end31-03
Activities, NACEBEL
46460Wholesale of pharmaceutical and medical goods
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
86906Human health activities
86940Nursing and midwifery
43350Other building finishing work
47740Retail trade
52320
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.