SENSTIEL
ActiveThe annual accounts of SENSTIEL for fiscal year 2025 show a net loss of 54% of total assets and of 76% of the equity at the start of that year. The 2025 annual accounts show equity of €3k and a net result of €-10k. Equity is growing by ~82.3% per year across the filed fiscal years. Its solvency ranks better than 25% of 924 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-81
Solvency42▼-21
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.99 against 1.64 in 2024; short-term debt: 67.3% and cash: 54.8% of total assets), and 82.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
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
17.2%
Return on assets
-54.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
25 d early
2023
22 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-10k
2024 · €16k
2023: €-5k
2024: €16k
2023 → 2025
Working capital
€-180
2024 · €10k
2023: €-8k
2024: €10k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-2k-€14k€3k▼ 75.9%
Operating result€-5k-€18k€-6k
Net result€-5k-€16k€-10k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €18k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€7k▼ 38.7%
Current assets
€13k▼ 49.9%
Equity and liabilities €19k
Equity
€3k▼ 75.9%
Debt
€16k▼ 28.7%
The debt ratio rises from 61.9% to 82.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€925▼
2024 · €24k
Cash flow
€-4k▼
2024 · €22k
Solvency
17.2%▼
2024 · 38.1%
Current ratio
0.99▼
2024 · 1.64
Quick ratio
0.99▼
2024 · 1.64
Debt / equity
4.81▲
2024 · 1.63
ROE
-314.5%▼
2024 · 115.6%
ROA
-54.1%▼
2024 · 44.0%
Interest coverage
2.26▼
2024 · 43.33
Debt
€16k▼
2024 · €22k
Debt ≤ 1 year
€13k▼
2024 · €16k
Debt > 1 year
€3k▼
2024 · €7k
Income taxes
€4k▲
2024 · €1k
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€36k€19k▼
Fixed assets21/28€11k€7k▼
Tangible fixed assets22/27€11k€7k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€11k€4k▼
Current assets29/58€26k€13k▼
Amounts receivable within one year40/41€4k€889▼
Trade receivables40€4k€888▼
Other amounts receivable41-€1
Cash at bank and in hand54/58€21k€11k▼
Deferred charges and accrued income490/1€553€1k▲
Equity and liabilities
Total equity and liabilities10/49€36k€19k▼
Equity10/15€14k€3k▼
Contributions10/11€3k€3k=
Reserves13€11k€11k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14-€-10k
Amounts payable17/49€22k€16k▼
Amounts payable after more than one year17€7k€3k▼
Financial debts170/4€7k€3k▼
Amounts payable within one year42/48€16k€13k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Taxes, remuneration and social security45€2k€298▼
Taxes450/3€2k€298▼
Other amounts payable47/48€10k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€63€220▲
Gross operating margin9900€24k€1k▼
Operating profit (loss)9901€18k€-6k▼
Financial income75/76B€1€90▲
Recurring financial income75€1€90▲
Financial charges65/66B€548€410▼
Recurring financial charges65€548€410▼
Profit (loss) for the period before taxes9903€17k€-6k▼
Income taxes67/77€1k€4k▲
Profit (loss) for the period9904€16k€-10k▼
Profit (loss) for the period to be appropriated9905€16k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€-10k▼
Profit (loss) brought forward from the previous period14P€-5k-
Transfer to equity691/2€11k-
To other reserves6921€11k-
The notes to these accounts (7 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Weakest financial yearnet €-10k ▼166%
Net result drops to €-10k, the lowest in the series.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 1.64
Current ratio from 0.59 to 1.64; short-term debt falls from €20k to €16k.
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
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, Liège · 1 establishment unit since 2023
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.
Rue Pierreuse 674000 LiègeGround area
103 m²
Building footprint
40 m²
Volume, LiDAR
445 m³
Parcel 62818F0077/00B000, Wallonia · tallest building 12.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SENSTIEL
since 20232.342.749.839
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62818F0077/00B000 | Wallonia | 103 m² | 1 · 40 m² | 12.4 m · 4 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.
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 2,468 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2023
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
72109Other research and development on natural sciences
73300Public relations and communication consultancy
78100Employment placement agencies
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.