SENZA
ActiveSENZA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €164k and a net result of €-7k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 88% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-53
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 4.92 against 6.31 in 2024; short-term debt: 18.3% and cash: 35.5% of total assets), and 18.3% 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
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 →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
36 d early
2023
19 d early
2022
30 d late
2021
16 d late
2020
17 d early
2019
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€164k▼ 34.2%
2024 · €249k
2018: €171k
2019: €206k
2020: €236k
2021: €245k
2022: €270k
2023: €250k
2024: €249k
2018 → 2025
Total assets
€201k▼ 31.1%
2024 · €291k
2018: €273k
2019: €295k
2020: €321k
2021: €283k
2022: €297k
2023: €270k
2024: €291k
2018 → 2025
Net result
€-7k▼ 843%
2024 · €-723
2018: €42k
2019: €35k
2020: €30k
2021: €9k
2022: €24k
2023: €10k
2024: €-723
2018 → 2025
Working capital
€144k▼ 35.3%
2024 · €222k
2018: €205k
2019: €232k
2020: €229k
2021: €221k
2022: €247k
2023: €237k
2024: €222k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€245k-€270k▲ 9.9%€250k▼ 7.4%€249k▼ 0.3%€164k▼ 34.2%
Operating result€11k-€36k▲ 240%€16k▼ 56.1%€-3k€-12k▼ 255%
Net result€9k-€24k▲ 161%€10k▼ 57.1%€-723€-7k▼ 843%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €201k
Fixed assets
€20k▼ 25.3%
Current assets
€181k▼ 31.6%
Equity and liabilities €201k
Equity
€164k▼ 34.2%
Debt
€37k▼ 12.2%
The debt ratio rises from 14.4% to 18.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-5k▼
2024 · €11k
Cash flow
€-11▼
2024 · €14k
Solvency
81.7%▼
2024 · 85.6%
Current ratio
4.92▼
2024 · 6.31
Quick ratio
2.38▼
2024 · 4.09
Debt / equity
0.22▲
2024 · 0.17
ROE
-4.2%▼
2024 · -0.3%
ROA
-3.4%▼
2024 · -0.2%
Interest coverage
-39.44▼
2024 · 123.65
Debt
€37k▼
2024 · €42k
Debt ≤ 1 year
€37k▼
2024 · €42k
Income taxes
€599▼
2024 · €3k
Staff costs
€38k▲
2024 · €37k
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€291k€201k▼
Fixed assets21/28€27k€20k▼
Tangible fixed assets22/27€27k€20k▼
Furniture and vehicles24€2k€0▼
Other tangible fixed assets26€24k€20k▼
Current assets29/58€264k€181k▼
Stocks and contracts in progress3€93k€93k=
Stocks30/36€93k€93k=
Amounts receivable within one year40/41€70k€14k▼
Trade receivables40€20k€7k▼
Other amounts receivable41€51k€7k▼
Cash at bank and in hand54/58€100k€71k▼
Deferred charges and accrued income490/1€722€2k▲
Equity and liabilities
Total equity and liabilities10/49€291k€201k▼
Equity10/15€249k€164k▼
Contributions10/11€19k€19k=
Reserves13€231k€152k▼
Distributable reserves133€231k€152k▼
Profit (loss) carried forward14€0€-7k▼
Amounts payable17/49€42k€37k▼
Amounts payable within one year42/48€42k€37k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€23k€18k▼
Suppliers440/4€23k€18k▼
Taxes, remuneration and social security45€19k€18k▼
Taxes450/3€11k€6k▼
Remuneration and social security454/9€8k€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€37k€38k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€7k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€50k€34k▼
Operating profit (loss)9901€-3k€-12k▼
Financial income75/76B€6k€6k▲
Recurring financial income75€6k€6k▲
Financial charges65/66B€91€137▲
Recurring financial charges65€91€137▲
Profit (loss) for the period before taxes9903€2k€-6k▼
Income taxes67/77€3k€599▼
Profit (loss) for the period9904€-723€-7k▼
Profit (loss) for the period to be appropriated9905€-723€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-723€-7k▼
Transfer from equity791/2€723€78k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0€78k▲
Return on contributions (dividend)694€0€78k▲
The notes to these accounts (9 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €206k ▲20.5%
2 profitable years in a row build equity to €206k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Herenthout · 1 establishment unit since 2005
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.
Molenstraat 122270 HerenthoutGround area
196 m²
Building footprint
180 m²
Volume, LiDAR
1,125 m³
Parcel 13012E0441/00E002, Flanders · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SENZA
since 20052.146.362.649
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13012E0441/00E002 | Flanders | 196 m² | 1 · 180 m² | 12.1 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
A.D.A.
BE 0428.289.642
Etterbeek · Eq €163k
CAERTS EN CAERTS
BE 0444.535.558
Haacht · Eq €163k
GK Investments
BE 0840.735.622
Merelbeke-Melle · Eq €165k
HELOU
BE 0416.225.911
Heist-op-den-Berg · Eq €166k
YOUR
BE 0888.087.458
Antwerpen · Eq €162k
Of 1,272 companies in sector 47512 we hold annual accounts for 581. 484 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-02-2005
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:014/516470