Saena
ActiveSummary
Saena has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €343k and a net result of €41k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 57% of 19908 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability80▲+3
Solvency98▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 7.12 against 4.58 in 2023; short-term debt: 11.2% and cash: 18.9% of total assets), and 26.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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 31-12-2024 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
34 d early
2022
12 d early
2021
16 d early
2020
36 d early
2019
38 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€343k▼ 7.4%
2023 · €370k
2018: €134k
2019: €155k
2020: €190k
2021: €230k
2022: €336k
2023: €370k
2018 → 2024
Total assets
€468k▼ 15.7%
2023 · €556k
2018: €367k
2019: €401k
2020: €404k
2021: €439k
2022: €544k
2023: €556k
2018 → 2024
Net result
€41k▲ 16.9%
2023 · €35k
2018: €19k
2019: €21k
2020: €36k
2021: €40k
2022: €107k
2023: €35k
2018 → 2024
Working capital
€320k▼ 1.6%
2023 · €325k
2018: €15k
2019: €11k
2020: €28k
2021: €45k
2022: €281k
2023: €325k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€190k-€230k▲ 20.8%€336k▲ 46.5%€370k▲ 10.2%€343k▼ 7.4%
Operating result€57k-€64k▲ 12.3%€169k▲ 164%€57k▼ 66.2%€63k▲ 10.9%
Net result€36k-€40k▲ 13.1%€107k▲ 166%€35k▼ 67.3%€41k▲ 16.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 11% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €468k
Fixed assets
€96k ▼ 31.1%
Current assets
€372k ▼ 10.6%
Equity and liabilities €468k
Equity
€343k ▼ 7.4%
Debt
€125k ▼ 32.4%
Debt's share of the balance-sheet total falls from 33.3% to 26.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€112k▲
2023 · €93k
Cash flow
€89k▲
2023 · €71k
Current ratio
7.12▲
2023 · 4.58
Debt to equity
0.37▼
2023 · 0.50
ROE
12.0%▲
2023 · 9.5%
ROA
8.8%▲
2023 · 6.3%
Interest coverage
12.71▲
2023 · 10.63
Debt ≤ 1 year
€52k▼
2023 · €91k
Debt > 1 year
€72k▼
2023 · €94k
Income taxes
€18k▲
2023 · €16k
Staff costs
€45k▲
2023 · €40k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 54 lines
Balance sheet
Code20232024
Assets
Total assets20/58€556k€468k▼
Fixed assets21/28€140k€96k▼
Tangible fixed assets22/27€140k€96k▼
Land and buildings22€92k€23k▼
Plant, machinery and equipment23€18k€13k▼
Furniture and vehicles24€7k€6k▼
Other tangible fixed assets26€23k€54k▲
Current assets29/58€416k€372k▼
Amounts receivable after more than one year29€105k€105k=
Other amounts receivable291€105k€105k=
Amounts receivable within one year40/41€3k€15k▲
Trade receivables40€3k€7k▲
Other amounts receivable41-€7k
Current investments50/53€150k€151k▲
Cash at bank and in hand54/58€146k€88k▼
Deferred charges and accrued income490/1€12k€13k▲
Equity and liabilities
Total equity and liabilities10/49€556k€468k▼
Equity10/15€370k€343k▼
Contributions10/11€19k€19k=
Reserves13€352k€324k▼
Distributable reserves133€352k€324k▼
Amounts payable17/49€185k€125k▼
Amounts payable after more than one year17€94k€72k▼
Financial debts170/4€94k€72k▼
Amounts payable within one year42/48€91k€52k▼
Current portion of amounts payable after more than one year42€23k€22k▼
Financial debts43€6k€6k▼
Other loans439€6k€6k▼
Trade debts44€10k€9k▼
Suppliers440/4€10k€9k▼
Taxes, remuneration and social security45€36k€15k▼
Taxes450/3€27k€8k▼
Remuneration and social security454/9€10k€7k▼
Other amounts payable47/48€15k€900▼
Accrued charges and deferred income492/3€745€806▲
Income statement
Code20232024
Remuneration, social security and pensions62€40k€45k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€48k▲
Other operating charges640/8€6k€4k▼
Gross operating margin9900€139k€161k▲
Operating profit (loss)9901€57k€63k▲
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€51k€59k▲
Income taxes67/77€16k€18k▲
Profit (loss) for the period9904€35k€41k▲
Profit (loss) for the period to be appropriated9905€35k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€41k▲
Transfer from equity791/2-€68k
Transfer to equity691/2€34k€40k▲
To other reserves6921€34k€40k▲
Profit to be distributed694/7€850€69k▲
Return on contributions (dividend)694€850€69k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €107k ▲166%
Operating result €169k, net result €107k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.11
Current ratio from 1.69 to 4.11.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €230k ▲20.8%
4 profitable years in a row build equity to €230k.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €155k ▲15.3%
2 profitable years in a row build equity to €155k.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 60 days late
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, Hasselt · 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.
Anne Frankplein 113500 HasseltGround area
3,494 m²
Building footprint
398 m²
Volume, LiDAR
4,922 m³
Parcel 71328D0280/00F004, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Saena
since 20052.286.867.248
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71328D0280/00F004 | Flanders | 3,494 m² | 1 · 398 m² | 15.0 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.
Similar companies · same sector, comparable size
TANDARTS-PRAKTIJK SURINX INE
BE 0840.614.173
Sint-Truiden · Eq €343,190
PAUL LAMOTTE
BE 0898.481.997
Mechelen · Eq €342,896
Tandarts Hillaert Lieselotte
BE 0793.928.370
Deerlijk · Eq €343,300
ORTHODONTIE ARIANNE LEWYLLIE
BE 0692.691.351
Antwerpen · Eq €343,345
Bernard GRAMME Dentiste
BE 0442.907.740
Evere · Eq €342,668
Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 3,647 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2005
Fiscal year end31-12
Activities, NACEBEL 2025
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.