SENOVA
ActiveSENOVA has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €19k and a net result of €23k. Equity is growing by ~32.6% per year across the filed fiscal years. Its solvency ranks better than 45% of 26046 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency52▲+32
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 0.82 in 2023; short-term debt: 63.7% and cash: 42.8% of total assets), and 73.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
26.9%
Return on assets
33.2%
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 31-08-2025, 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
75 d late
2022
185 d late
2021
115 d late
2020
88 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€19k
2023 · €-4k
2018: €284
2019: €7k
2020: €7k
2021: €12k
2022: €10k
2023: €-4k
2018 → 2024
Total assets
€70k▼ 12.8%
2023 · €80k
2018: €17k
2019: €54k
2020: €65k
2021: €83k
2022: €108k
2023: €80k
2018 → 2024
Net result
€23k
2023 · €-14k
2018: €-5k
2019: €7k
2020: €146
2021: €5k
2022: €-3k
2023: €-14k
2018 → 2024
Working capital
€7k
2023 · €-13k
2018: €-466
2019: €6k
2020: €7k
2021: €12k
2022: €5k
2023: €-13k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€7k-€12k▲ 71.2%€10k▼ 21.4%€-4k€19k
Operating result€317-€7k▲ 2,139%€-1k€-10k▼ 854%€35k
Net result€146-€5k▲ 3,358%€-3k€-14k▼ 435%€23k
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: €35k after a loss of €10k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €70k
Fixed assets
€18k▼ 9.7%
Current assets
€51k▼ 13.8%
Equity and liabilities €70k
Equity
€19k
Debt
€51k
Debt finances 73.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€41k▲
2023 · €-4k
Cash flow
€29k▲
2023 · €-8k
Solvency
26.9%▲
2023 · -5.5%
Current ratio
1.16▲
2023 · 0.82
Quick ratio
0.97▲
2023 · 0.72
Debt / equity
2.71▲
2023 · -19.30
ROE
123.3%
ROA
33.2%▲
2023 · -17.4%
Interest coverage
7.34▲
2023 · -1.32
Debt
€51k▼
2023 · €84k
Debt ≤ 1 year
€44k▼
2023 · €72k
Debt > 1 year
€7k▼
2023 · €12k
Income taxes
€6k▲
2023 · €469
Staff costs
€47k▼
2023 · €60k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€80k€70k▼
Fixed assets21/28€20k€18k▼
Tangible fixed assets22/27€20k€16k▼
Plant, machinery and equipment23-€2k
Leasing and similar rights25€20k€14k▼
Financial fixed assets28-€2k
Current assets29/58€60k€51k▼
Stocks and contracts in progress3€7k€8k▲
Stocks30/36€7k€8k▲
Amounts receivable within one year40/41€18k€11k▼
Trade receivables40€18k€11k▼
Other amounts receivable41€169€55▼
Cash at bank and in hand54/58€34k€30k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€80k€70k▼
Equity10/15€-4k€19k▲
Contributions10/11€19k€19k=
Reserves13€4k€4k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-26k€-3k▲
Amounts payable17/49€84k€51k▼
Amounts payable after more than one year17€12k€7k▼
Financial debts170/4€12k€7k▼
Amounts payable within one year42/48€72k€44k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€15k€4k▼
Suppliers440/4€15k€4k▼
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€12k€7k▼
Remuneration and social security454/9€4k€8k▲
Other amounts payable47/48€36k€21k▼
Income statement
Code20232024
Remuneration, social security and pensions62€60k€47k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€6k€4k▼
Gross operating margin9900€62k€92k▲
Operating profit (loss)9901€-10k€35k▲
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€-13k€29k▲
Income taxes67/77€469€6k▲
Profit (loss) for the period9904€-14k€23k▲
Profit (loss) for the period to be appropriated9905€-14k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-3k▲
Profit (loss) brought forward from the previous period14P€-13k€-26k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
14-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 75 days late
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 185 days late
2023
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
2022
23-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 115 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 177 days late
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
2018
18-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 79 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Genk · 1 establishment unit since 2000
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.
Sledderlo 403600 GenkGround area
748 m²
Building footprint
190 m²
Volume, LiDAR
1,328 m³
Parcel 71304E0890/00H000, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SENOVA
since 20002.097.443.074
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71304E0890/00H000 | Flanders | 748 m² | 1 · 190 m² | 10.7 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGenk2.097.443.074
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OD BAKERY
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Of 2,407 companies in sector 47241 we hold annual accounts for 1,100. 831 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-02-1999
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
15812
47241Retail sale of bread and pastry (bakery outlets)
52240
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.