Seniorie Golf Residentie

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Seniorie Golf Residentie is < 0.1% (very low). The 2022 annual accounts show equity of €564k and a net result of €4k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 94% of 103 sector peers (fiscal year 2022). The company has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

Insufficient current data: the most recent filed accounts (financial year 2022) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide

Annual accounts not filed

The financial year that closed on 31-12-2023 was due at the National Bank by 31-07-2024. Nothing is on record today, 746 days later. 3 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.

Latest accounts filed on time

The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 27-04-2023, 95 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2022, that is 31-07-2023.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	nothing on record	not filed	-
31-12-2023	31-07-2024	nothing on record	not filed	-
31-12-2022	31-07-2023	27-04-2023	95 d early	2023-00078947
31-12-2021	31-07-2022	02-05-2022	90 d early	2022-20021148
31-12-2020	31-07-2021	27-08-2021	27 d late	2021-55200077
31-12-2013	31-07-2014	12-05-2014	80 d early	2014-12000389
31-12-2012	31-07-2013	08-05-2013	84 d early	2013-11700144
31-12-2011	31-07-2012	21-05-2012	71 d early	2012-12200037
31-12-2010	31-07-2011	25-05-2011	67 d early	2011-12300024
31-12-2009	31-07-2010	12-05-2010	80 d early	2010-11800581
31-12-2008	31-07-2009	11-05-2009	81 d early	2009-14300232

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 1982, 44 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

< 0.1% Very low

0%0,5%1,5%4%10%≥25%

Lower-risk legal form −Lower-failure-rate sector −Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€4k-41.7%

Working capital€634k-4.8%

CSV export

Annual accounts & ratios

Source: NBB · 2022

Annual accounts filed on 27-04-2023 with the NBB · fiscal year 2022 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 3 fiscal years (±1%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2022 · NACE 87 · compared across all schema types (micro, abbreviated and full combined)

Metric	This company	Sector median	Position in the sector
Solvency	82.9%	29.3%	better than 94% of 103 sector peers
Net result	€4k	€-2k	better than 60% of 103 sector peers
Equity	€564k	€364k	better than 56% of 103 sector peers
Gross operating margin	€129k	€1.06M	better than 22% of 80 sector peers
Staff costs	€167k	€1.64M	higher than 8% of 84 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P94

Stable position over 2020-2022 · n=77-103

Net result P60

Stable position over 2020-2022 · n=77-103

Equity P56

Stable position over 2020-2022 · n=77-103

Gross operating margin P22

Stable position over 2020-2022 · n=59-80

Describes the position versus peers, not a forecast.

Net profit

€4k

-41.7% 20-22

Total assets

€681k

-5.5% 20-22

Equity

€564k

+0.7% 20-22

Working capital

€634k

-4.8% 20-22

Employees (FTE)

6

+5.0% 20-22

Staff costs

€167k

+2.0% 20-22

Debt

€81k

-1.0% 20-22

Debt ≤ 1y

€46k

-14.1% 20-22

Show 6 other metrics

Current ratio

14.84

+10.0% 20-22

Quick ratio

14.82

+10.0% 20-22

Solvency

82.9%

+6.6% 20-22

Debt / equity

0.14

-1.7% 20-22

ROE

0.7%

-42.2% 20-22

ROA

0.6%

-38.3% 20-22

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2022
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€4k
Cash flow	-
Staff costs	€167k
Income taxes	-
Dividends	-
Total assets	€681k
Equity	€564k
Debt	€81k
of which ≤ 1y	€46k
of which > 1y	-
Working capital	€634k
Employees (FTE)	6.3

Ratios (computed)

	2022
Current ratio	14.84
Quick ratio	14.82
Working capital ratio	93.2%
Solvency	82.9%
Debt / equity	0.14
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	0.6%
ROE	0.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2022

Assets

Fixed assets €440 · 0.1% Current assets €680k · 99.9%

Equity & liabilities

Equity €564k · 82.9% Provisions €35k · 5.2% Debt €81k · 11.9%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€681k
Fixed assets	21/28	€440
Financial fixed assets	28	€440
Current assets	29/58	€680k
Stocks & contracts in progress	3	€840
Amounts receivable within one year	40/41	€3k
Investments	50/53	€556k
Cash & bank	54/58	€121k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€681k
Equity	10/15	€564k
Contributions / capital	10/11	€151k
Accumulated profits (losses)	14	€413k
Provisions & deferred taxes	16	€35k
Amounts payable	17/49	€81k
Amounts payable within one year	42/48	€46k
Trade debts payable within one year	44	€28k
Income statement
Gross operating margin	9900	€129k
Operating result	9901	€4k
Financial charges	65	€70
Result before taxes	9903	€4k
Net result for the period	9904	€4k
Result to be appropriated	9905	€4k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2022 · computed

78 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.

Directors

Directors & mandates

under verification

11 of this company's 12 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.

Directors derived from a single State Gazette act, under verification

All 5 current directors first appear in the same act (26098112). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

De Beul Godelieva
Director
State Gazette act 26098112 (29-07-2026)

Current
29-07-2026 → present
De Leenheer Martine
Director
State Gazette act 26098112 (29-07-2026)

Current
29-07-2026 → present
Goemaere Chantal
Director
State Gazette act 26098112 (29-07-2026)

Current
29-07-2026 → present
Laurence Boens
Afgevaardigd bestuurder
State Gazette act 26098112 (29-07-2026)

Current
29-07-2026 → present
Roland Marie-Jeanne
Voorzitter en bestuurder
State Gazette act 26098112 (29-07-2026)

Current
29-07-2026 → present

Former directors (1)

Andries Marie-Thérése
Director
State Gazette act 26098112 (29-07-2026)

Former
- → 29-07-2026

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Serviceflats voor ouderen(87302)
Legal form	Non-profit association(017)
Incorporation	19-04-1982
Status	Active
Postal code	9830

Structure & network

Connections & network

8 connected companies

Shared directors

3 further connections in this company's network. Available in Kantoor S.

See plans →

Linked via shared directors

COFISA

viaLaurence Boens · Director

→

EP Power Grit

viaLaurence Boens · Director

→

European Association of Silica Producers

viaLaurence Boens · Director

→

N.Z.M.

viaLaurence Boens · Director

→

Show 2 more companies with a shared director

SILFIN

viaLaurence Boens · Director

→

FINEDIT

viaLaurence Boens · Managing director

former→

2 further connected companies in this network. Available in Kantoor S. See plans →

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

2 companies at this address See who is registered here

Establishment units

1 location

Golf Residentie VZW

Bosstraat 66, 9830 Sint-Martens-LatemServiceflats voor ouderen

since 19822.143.437.506

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area7,210 m²

Buildings1

Building footprint898 m²

Volume (LiDAR)9,538 m³

Tallest building14.2 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44064A0278/00P000	Flanders	7,210 m²	1 · 898 m²	14.2 m · 4 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

1 of 12 acts read

Of the 12 Belgian State Gazette acts we know for this company, 1 has been read. The other 11 have not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

What every Belgian State Gazette publication actually says, each act broken down into appointments, capital movements, seat moves and statute amendments.

2026

29-07-2026 General meeting · Director reappointment · Director appointment

7 facts