SENTEX
ActiveSummary
SENTEX has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €156,155 and a net result of €21,949. Equity is growing by ~30.7% per year across the filed fiscal years. Its solvency ranks better than 77% of 6537 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability79▼-6
Solvency85▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 2.38 against 2.03 in 2023; short-term debt: 39.9% and cash: 1% of total assets), and 39.9% of the assets are financed with debt.
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Signals
Four 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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
41 d early
2022
59 d late
2021
48 d early
2020
31 d late
2019
63 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 6 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€21,949▼ 34.1%
2023 · €33,331
Working capital
€142,948▲ 9.3%
2023 · €130,809
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€8,831▲ 29.3%€47,357▲ 436%€29,428▼ 37.9%€47,810▲ 62.5%€26,036▼ 45.5%
Net result€6,987▲ 560%€29,014▲ 315%€23,887▼ 17.7%€33,331▲ 39.5%€21,949▼ 34.1%
Equity€47,973▲ 17.0%€76,987▲ 60.5%€100,874▲ 31.0%€134,206▲ 33.0%€156,155▲ 16.4%
Total assets€182,226▼ 31.1%€193,112▲ 6.0%€291,723▲ 51.1%€263,431▼ 9.7%€259,726▼ 1.4%
Debt€134,253▼ 39.9%€116,125▼ 13.5%€190,849▲ 64.3%€129,225▼ 32.3%€103,571▼ 19.9%
Working capital€44,037▲ 1,819%€73,619▲ 67.2%€97,982▲ 33.1%€130,809▲ 33.5%€142,948▲ 9.3%
Staff (FTE)8.1▼ 17.3%5▼ 38.3%3.9▼ 22.0%3.2▼ 17.9%3▼ 6.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 46% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €259,726
Fixed assets
€13,207 ▲ 133%
Current assets
€246,519 ▼ 4.4%
Equity and liabilities €259,726
Equity
€156,155 ▲ 16.4%
Debt
€103,571 ▼ 19.9%
Debt's share of the balance-sheet total falls from 49.1% to 39.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27,491▼
2023 · €48,342
Cash flow
€23,404▼
2023 · €33,863
Current ratio
2.38▲
2023 · 2.03
Quick ratio
2.19▲
2023 · 1.84
Debt to equity
0.66▼
2023 · 0.96
ROE
14.1%▼
2023 · 24.8%
ROA
8.5%▼
2023 · 12.7%
Interest coverage
13.79▲
2023 · 8.35
Debt ≤ 1 year
€103,571▼
2023 · €126,960
Income taxes
€9,349▼
2023 · €15,248
Staff costs
€89,891▲
2023 · €80,746
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €1,000 | - | €826 | - | - |
| Remuneration, social security and pensions62 | - | €93,679 | €96,252 | €80,746 | €89,891 | ▲ 11.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,291 | €568 | €475 | €532 | €1,455 | ▲ 174% |
| Other operating charges640/8 | - | €7,839 | €8,555 | €10,917 | €4,051 | ▼ 62.9% |
| Gross operating margin9900 | €177,260 | €149,444 | €134,710 | €140,005 | €121,433 | ▼ 13.3% |
| Operating profit (loss)9901 | €8,831 | €47,357 | €29,428 | €47,810 | €26,036 | ▼ 45.5% |
| Financial income75/76B | - | €15 | €4,412 | €6,559 | €7,256 | ▲ 10.6% |
| Recurring financial income75 | €354 | €15 | €4,412 | €6,559 | €7,256 | ▲ 10.6% |
| Financial charges65/66B | - | €4,124 | €1,142 | €5,790 | €1,994 | ▼ 65.6% |
| Recurring financial charges65 | €2,119 | €4,124 | €1,142 | €5,790 | €1,994 | ▼ 65.6% |
| Profit (loss) for the period before taxes9903 | €7,067 | €43,248 | €32,698 | €48,580 | €31,298 | ▼ 35.6% |
| Income taxes67/77 | €80 | €14,234 | €8,811 | €15,248 | €9,349 | ▼ 38.7% |
| Profit (loss) for the period9904 | €6,987 | €29,014 | €23,887 | €33,331 | €21,949 | ▼ 34.1% |
| Profit (loss) for the period to be appropriated9905 | €6,987 | €29,014 | €23,887 | €33,331 | €21,949 | ▼ 34.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €182,226 | €193,112 | €291,723 | €263,431 | €259,726 | ▼ 1.4% |
| Fixed assets21/28 | €3,936 | €3,368 | €2,893 | €5,662 | €13,207 | ▲ 133% |
| Tangible fixed assets22/27 | €2,350 | €1,781 | €1,306 | €4,175 | €11,720 | ▲ 181% |
| Plant, machinery and equipment23 | - | €1,781 | €1,306 | €4,175 | €11,720 | ▲ 181% |
| Financial fixed assets28 | €1,587 | €1,587 | €1,587 | €1,487 | €1,487 | = |
| Current assets29/58 | €178,290 | €189,745 | €288,831 | €257,769 | €246,519 | ▼ 4.4% |
| Stocks and contracts in progress3 | €64,363 | €80,388 | €46,838 | €23,732 | €19,362 | ▼ 18.4% |
| Stocks30/36 | - | €80,388 | €46,838 | €23,732 | €19,362 | ▼ 18.4% |
| Amounts receivable within one year40/41 | €110,727 | €104,237 | €235,802 | €228,206 | €223,699 | ▼ 2.0% |
| Trade receivables40 | - | €70,000 | €57,240 | €57,320 | €56,900 | ▼ 0.7% |
| Other amounts receivable41 | - | €34,237 | €178,562 | €170,886 | €166,799 | ▼ 2.4% |
| Cash at bank and in hand54/58 | €3,200 | €3,351 | €5,313 | €3,306 | €2,489 | ▼ 24.7% |
| Deferred charges and accrued income490/1 | - | €1,769 | €879 | €2,525 | €969 | ▼ 61.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €182,226 | €193,112 | €291,723 | €263,431 | €259,726 | ▼ 1.4% |
| Equity10/15 | €47,973 | €76,987 | €100,874 | €134,206 | €156,155 | ▲ 16.4% |
| Contributions10/11 | - | €74,400 | €74,400 | €74,400 | €74,400 | = |
| Profit (loss) carried forward14 | -€26,427 | €2,587 | €26,474 | €59,806 | €81,755 | ▲ 36.7% |
| Amounts payable17/49 | €134,253 | €116,125 | €190,849 | €129,225 | €103,571 | ▼ 19.9% |
| Amounts payable within one year42/48 | €134,253 | €116,125 | €190,849 | €126,960 | €103,571 | ▼ 18.4% |
| Trade debts44 | €39,040 | €32,705 | €90,731 | €47,810 | €41,215 | ▼ 13.8% |
| Suppliers440/4 | - | €32,705 | €90,731 | €47,810 | €41,215 | ▼ 13.8% |
| Taxes, remuneration and social security45 | - | €72,431 | €100,118 | €79,149 | €62,357 | ▼ 21.2% |
| Taxes450/3 | - | €36,186 | €63,648 | €60,089 | €43,607 | ▼ 27.4% |
| Remuneration and social security454/9 | - | €36,245 | €36,471 | €19,060 | €18,750 | ▼ 1.6% |
| Other amounts payable47/48 | - | €10,990 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €2,266 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,987 | €29,014 | €23,887 | €33,331 | €21,949 | ▼ 34.1% |
| + Depreciation and write-downs630 | €1,291 | €568 | €475 | €532 | €1,455 | ▲ 174% |
| Operating cash flow (approximation) | €8,279 | €29,582 | €24,362 | €33,863 | €23,404 | ▼ 30.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€3,301 | -€9,000 | ▼ 173% |
| Change in cash | - | €151 | €1,962 | -€2,007 | -€816 | ▲ 59.3% |
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
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €150,000Eq €156,155 ▲16.4%
7 profitable years in a row build equity to €156,155.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €33,331 ▲39.5%
Operating result €47,810, net result €33,331, both a record.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 59 days late
2022
31-12
Financial
Equity above €100,000Eq €100,874 ▲31%
5 profitable years in a row build equity to €100,874.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 63 days late
2019
31-12
Financial
Weakest financial yearnet €1,059 ▼75.6%
Net result drops to €1,059, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 9 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
26-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Schaarbeek · 1 establishment unit since 1992
Ground area
548 m²
Building footprint
431 m²
Volume, LiDAR
3,776 m³
Parcel 21908E0235/00E015, Brussels · tallest building 19.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
STAR DISCOUNT
since 19922.029.963.936
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21908E0235/00E015 | Brussels | 548 m² | 1 · 431 m² | 19.8 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchaarbeek2.029.963.936
Dual-learning approval
3 endedAanvuller (so)
Kassier (so)
Winkelbediende (so)
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Of 462 companies in sector 47783 we hold annual accounts for 214. 162 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
Founded08-09-1987
Fiscal year end31-12
Trade name FR
Star Discount
Activities, NACEBEL 2025
47120Other non-specialised retail sale
47783Retail trade
Contact
Scores and ratios are computed by Checked and are not a credit decision.