SENTENTIA CONSULTA

Active

Private limited companyfounded 200620 yrs activeGuldenzandstraat(Odk) 53, 8670 Koksijde, BelgiumKBO/BCE: BE 0880.971.519

The annual accounts of SENTENTIA CONSULTA for fiscal year 2024 show a net loss of 65% of the equity at the start of that year. The 2024 annual accounts show equity of €19k and a net result of €-36k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 3022 sector peers (fiscal year 2024). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).

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Checked score

Score 2024

44 / 100

Weak

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability12▼-49

Solvency29▼-7

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days 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 0.11 against 0.25 in 2023; short-term debt: 44.3% and cash: 3.9% of total assets), and 95.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 93

Relative position

BE, all sectors

reference

Sector 93

lower

← fewer bankruptcies more bankruptcies →

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 2024

Solvency, return and age of the figures

Solvency

4.4%

Return on assets

-8.1%

Age of the figures

21 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

18192021222324

2018 to 2024 · latest year €-36k

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 filings

Deviation from the deadline

2025

not confirmed

2024

28 d late

2023

29 d late

2022

59 d late

2021

31 d late

2020

17 d early

2019

7 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€19k▼ 64.9%

2023 · €55k

2018: €8k 2019: €-21k 2020: €-5k 2021: €-4k 2022: €58k 2023: €55k

2018 → 2024

Total assets

€445k▼ 12.7%

2023 · €509k

2018: €55k 2019: €171k 2020: €191k 2021: €179k 2022: €373k 2023: €509k

2018 → 2024

Net result

€-36k▼ 1,202%

2023 · €-3k

2018: €-9k 2019: €-29k 2020: €16k 2021: €704 2022: €-3k 2023: €-3k

2018 → 2024

Working capital

€-175k▲ 0.1%

2023 · €-175k

2018: €-3k 2019: €-47k 2020: €-53k 2021: €-53k 2022: €-158k 2023: €-175k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€-5k-€-4k▲ 14.9%€58k€55k▼ 4.7%€19k▼ 64.9%

Operating result€11k-€4k▼ 61.0%€2k▼ 61.6%€4k▲ 128%€-25k

Net result€16k-€704▼ 95.7%€-3k€-3k▲ 9.7%€-36k▼ 1,202%

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 2024: a loss of €25k after €4k in 2023, the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €445k

95.0%

Fixed assets €423k▼ 6.5%

Current assets €22k▼ 61.4%

Equity and liabilities €445k

95.6%

Equity €19k▼ 64.9%

Debt €425k▼ 6.4%

The debt ratio rises from 89.2% to 95.6%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€5k▼

2023 · €33k

Cash flow

€-6k▼

2023 · €27k

Solvency

4.4%▼

2023 · 10.8%

Current ratio

0.11▼

2023 · 0.25

Quick ratio

0.11▼

2023 · 0.24

Debt / equity

21.97▲

2023 · 8.23

ROE

-185.1%▼

2023 · -5.0%

ROA

-8.1%▼

2023 · -0.5%

Interest coverage

0.43▼

2023 · 5.20

Debt

€425k▼

2023 · €454k

Debt ≤ 1 year

€197k▼

2023 · €232k

Debt > 1 year

€226k▲

2023 · €220k

Income taxes

€115▼

2023 · €137

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€509k€445k▼

Fixed assets21/28€452k€423k▼

Intangible fixed assets21€665€487▼

Tangible fixed assets22/27€451k€422k▼

Land and buildings22€41k€36k▼

Plant, machinery and equipment23€113k€89k▼

Furniture and vehicles24€4k€3k▼

Assets under construction and advance payments27€294k€294k=

Current assets29/58€57k€22k▼

Stocks and contracts in progress3€1k€992▼

Stocks30/36€1k€992▼

Amounts receivable within one year40/41€6k€4k▼

Trade receivables40€2k€0▼

Other amounts receivable41€3k€4k▲

Cash at bank and in hand54/58€50k€17k▼

Deferred charges and accrued income490/1€83€0▼

Equity and liabilities

Total equity and liabilities10/49€509k€445k▼

Equity10/15€55k€19k▼

Contributions10/11€119k€119k=

Profit (loss) carried forward14€-63k€-99k▼

Amounts payable17/49€454k€425k▼

Amounts payable after more than one year17€220k€226k▲

Financial debts170/4€220k€226k▲

Amounts payable within one year42/48€232k€197k▼

Current portion of amounts payable after more than one year42€32k€42k▲

Trade debts44€11k€6k▼

Suppliers440/4€11k€6k▼

Taxes, remuneration and social security45€3k€78▼

Taxes450/3€3k€78▼

Other amounts payable47/48€186k€149k▼

Accrued charges and deferred income492/3€2k€2k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€30k▲

Other operating charges640/8€2k€925▼

Gross operating margin9900€35k€6k▼

Operating profit (loss)9901€4k€-25k▼

Financial income75/76B€116€125▲

Recurring financial income75€116€125▲

Financial charges65/66B€6k€11k▲

Recurring financial charges65€6k€11k▲

Profit (loss) for the period before taxes9903€-3k€-36k▼

Income taxes67/77€137€115▼

Profit (loss) for the period9904€-3k€-36k▼

Profit (loss) for the period to be appropriated9905€-3k€-36k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-63k€-99k▼

Profit (loss) brought forward from the previous period14P€-61k€-63k▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 2Filings 10

2025

28-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 28 days late

2024

31-12

Financial Weakest financial yearnet €-36k

Net result drops to €-36k, the lowest in the series.

29-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 29 days late

2023

28-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 59 days late

2022

31-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 31 days late

2021

14-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

31-12

Financial Back to profitnet €16k

Net result €16k after 2 loss-making years.

24-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

19-07

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

14-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 14 days late

2017

24-08

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 24 days late

2016

23-08

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema · 23 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

6 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, Koksijde · 1 establishment unit since 2006

establishment The establishment unit on the map

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.

Guldenzandstraat(Odk) 538670 Koksijde

Ground area

2,587 m²

Building footprint

555 m²

Volume, LiDAR

2,292 m³

2 parcels, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

SENTENTIA CONSULTA

Veurnekeiweg(Wul) 11, 8670 KoksijdeNACE 70201

since 20062.155.318.719

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
38027C0384/02L000	Flanders	1,991 m²	1 · 429 m²	8.8 m · 1 fl.
38502E0031/00N000	Flanders	596 m²	1 · 126 m²	8.9 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

2022 to 2025 · 4 entries · 989 EUR awarded · 795 EUR paid

Year	Entries	awarded	paid
2025	1	194 EUR	0 EUR
2024	1	186 EUR	186 EUR
2023	1	456 EUR	456 EUR
2022	1	153 EUR	153 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

4 entries · 989 EUR · 795 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

FERME DES PRES A SAULES

Of 3,292 companies in sector 93110 we hold annual accounts for 1,495. 755 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded27-04-2006

Fiscal year end31-12

Activities, NACEBEL

93110Operation of sports facilities

86909Human health activities

86995Nutrition and dietetics services

93130Fitness centres

Sources

Crossroads Bank for EnterprisesNational Bank · 17 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.

Contact details

1 entry

Phone:0477/272299

Establishment Koksijde 2.155.318.719