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Complete company report
Generated 05-09-2026
Active BE 1017.525.446Private limited company

SENIORENMODE

Watermolenstraat(Zar) 111 ·9500 Geraardsbergen, Belgium· 1 yrs active
Sector: Retail sale of clothing and accessories for women, men, children and babies (general range) (47716)
Conclusion Checked

SENIORENMODE has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €22k. Its solvency ranks better than 73% of 1433 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €51k
Net result €22k
Better than sector 73%
Active 1 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health100Profitability100Solvency90Growth78Stability82
90 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 90
Growth 78
Stability 82
Bankruptcy probability (12 mo) Checked model v1 · free
1.1% Low
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
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.
Checked score FY 2025 · computed
100 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€5k
estimate, not credit advice
Score history
70 2024
100 2025
purely financial, excl. current insolvency signals
Score components
Liquidity Current ratio 1.72 (≥ 1.5) +10
Quick ratio Quick ratio 1.08 (≥ 1.0) +5
Leverage Debt/equity 0.93 (< 1.0) +10
Profitability ROE 43% (≥ 10%) +10
Interest coverage Interest coverage 382.4× (≥ 3×) +8
Profit trend Net profit up YoY +5
Equity growth Equity growing YoY +3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 28-07-2026 with the NBB · fiscal year 2025 · micro schema
€0€10k€20k€30kOperating result 2024: €19k€19kNet result 2024: €14k€14kOperating result 2025: €30k€30kNet result 2025: €22k€22k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 51.8% 23.5%
better than 73% of 1433 sector peers
Net result €22k €7k
better than 70% of 1430 sector peers
Equity €51k €25k
better than 63% of 1435 sector peers
Gross operating margin €84k €34k
better than 72% of 1427 sector peers
Staff costs €49k €42k
higher than 55% of 605 sector peers
EBITDA
€35k
+78.4% 24-25
Net profit
€22k
+58.1% 24-25
Cash flow
€26k
+90.4% 24-25
Total assets
€97k
-6.7% 24-25
Equity
€51k
+75.6% 24-25
Working capital
€34k
+21.9% 24-25
Staff costs
€49k
- 24-25
Income taxes
€8k
+48.1% 24-25
Debt
€47k
-38.0% 24-25
Debt ≤ 1y
€47k
-38.0% 24-25
Current ratio
1.72
+25.8% 24-25
Quick ratio
1.08
-21.0% 24-25
Solvency
51.8%
+88.3% 24-25
Debt / equity
0.93
-64.7% 24-25
ROE
43.1%
-10.0% 24-25
ROA
22.3%
+69.5% 24-25
Interest coverage
382.37
- 24-25
Figures by fiscal year and ratios
Fiscal year20252024
Depositmicro schemamicro schema
Revenue--
EBITDA€35k€19k
Net profit€22k€14k
Cash flow€26k€14k
Staff costs€49k-
Income taxes€8k€6k
Dividends--
Total assets€97k€105k
Equity€51k€29k
Debt€47k€76k
of which ≤ 1y€47k€76k
of which > 1y--
Working capital€34k€28k
Employees (FTE)--
Ratios (computed)
20252024
Current ratio1.721.36
Quick ratio1.081.36
Working capital ratio34.5%26.4%
Solvency51.8%27.5%
Debt / equity0.932.63
Long-term debt ratio--
Interest coverage382.37-
Gross margin--
Net margin--
ROA22.3%13.2%
ROE43.1%47.8%
EBITDA margin--
Days sales outstanding--
Days payable outstanding--
Inventory turnover--
Days inventory (DSI)--
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code20252024
Balance sheet, Assets
TOTAL ASSETS 20/58€97k€105k
Fixed assets 21/28€17k€1k
Tangible fixed assets 22/27€17k€1k
Current assets 29/58€81k€103k
Stocks & contracts in progress 3€30k-
Amounts receivable within one year 40/41€12k€88k
Cash & bank 54/58€39k€15k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€97k€105k
Equity 10/15€51k€29k
Contributions / capital 10/11€15k€15k
Reserves 13€36k€14k
Amounts payable 17/49€47k€76k
Amounts payable within one year 42/48€47k€76k
Trade debts payable within one year 44-€38k
Income statement
Gross operating margin 9900€84k€20k
Operating result 9901€30k€19k
Financial income 75€27-
Financial charges 65€91-
Result before taxes 9903€30k€19k
Income taxes 67/77€8k€6k
Net result for the period 9904€22k€14k
Result to be appropriated 9905€22k€14k
Legal Structure
NACE primary Retail sale of clothing and accessories for women, men, children and babies (general range)(47716)
Legal form Private limited company(610)
Incorporation17-12-2024
StatusActive
Postal code9500
Establishment units 1 location
Elegance Brussels
Watermolenstraat(Zar) 111, 9500 GeraardsbergenAgents in the wholesale of textiles, clothing, fur, footwear and leather goods
since 20242.368.719.412
Real-estate footprint Source: CBE × cadastre
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
41079A0170/00A002 Flanders 828 m² 1 · 145 m² 8.1 m · 2 fl.
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.
Updates 2 events
Next filing, fiscal year 2026, expected by 31-07-2027
2026
28-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Retail sale of clothing and accessories for women, men, children and babies (general range)47716Retail sale of fruit and vegetables47210Retail trade47511Retail trade47519Retail sale of women's outerwear47711Retail trade47715Retail trade47810
Names & trade names
Legal nameNL SENIORENMODE
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative