TITRES-SERVICES GRACIAS SENOR
ActiveSummary
TITRES-SERVICES GRACIAS SENOR has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-76k) and a net result of €-77k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 1046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
25
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-48
Solvency0▼-23
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.5 against 0.98 in 2024; short-term debt: 201.1% and cash: 8.1% of total assets), and equity is negative.
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-101.1%
Return on assets
-102.9%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-76k
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
61 d late
2023
79 d late
2022
61 d late
2021
145 d late
2020
153 d late
2019
144 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-76k▼ 2,070%
2024 · €-3k
2018: €1k
2019: €10k
2020: €-18k
2021: €-912
2022: €-8k
2023: €-11k
2024: €-3k
2018 → 2025
Total assets
€75k▼ 60.4%
2024 · €189k
2018: €135k
2019: €151k
2020: €127k
2021: €179k
2022: €192k
2023: €180k
2024: €189k
2018 → 2025
Net result
€-77k
2024 · €8k
2018: €8k
2019: €9k
2020: €-29k
2021: €18k
2022: €-7k
2023: €-3k
2024: €8k
2018 → 2025
Working capital
€-76k▼ 1,900%
2024 · €-4k
2018: €-3k
2019: €8k
2020: €-20k
2021: €1k
2022: €-10k
2023: €-11k
2024: €-4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-912-€-8k▼ 774%€-11k▼ 40.2%€-3k▲ 68.7%€-76k▼ 2,070%
Operating result€22k-€-4k€-8k▼ 98.3%€14k€-77k
Net result€18k-€-7k€-3k▲ 54.6%€8k€-77k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €77k after €14k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75k
Fixed assets
€314 =
Current assets
€75k ▼ 60.5%
Key figures and ratios
Solvency
-101.1%▼
2024 · -1.8%
Current ratio
0.50▼
2024 · 0.98
Debt to equity
-1.99▲
2024 · -55.15
ROA
-102.9%▼
2024 · 4.1%
Debt
€151k▼
2024 · €193k
Debt ≤ 1 year
€151k▼
2024 · €193k
Income taxes
€0▼
2024 · €3k
Staff costs
€384k▼
2024 · €422k
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 · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€189k€75k▼
Fixed assets21/28€314€314=
Financial fixed assets28€314€314=
Current assets29/58€189k€75k▼
Amounts receivable after more than one year29€133k€36k▼
Other amounts receivable291€133k€36k▼
Cash at bank and in hand54/58€6k€6k▲
Deferred charges and accrued income490/1€50k€33k▼
Equity and liabilities
Total equity and liabilities10/49€189k€75k▼
Equity10/15€-3k€-76k▼
Contributions10/11€6k€11k▲
Outside capital11€6k€11k▲
Other1109/19€6k€11k▲
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-12k€-89k▼
Amounts payable17/49€193k€151k▼
Amounts payable within one year42/48€193k€151k▼
Current portion of amounts payable after more than one year42€13k-
Financial debts43€135-
Credit institutions430/8€135-
Trade debts44€7k€14k▲
Suppliers440/4€7k€14k▲
Taxes, remuneration and social security45€171k€137k▼
Taxes450/3€3k€3k▼
Remuneration and social security454/9€168k€135k▼
Other amounts payable47/48€2k-
Income statement
Code20242025
Remuneration, social security and pensions62€422k€384k▼
Other operating charges640/8€518€141▼
Non-recurring operating charges66A-€72k
Gross operating margin9900€437k€379k▼
Operating profit (loss)9901€14k€-77k▼
Financial income75/76B€239€13▼
Recurring financial income75€239€13▼
Financial charges65/66B€4k€672▼
Recurring financial charges65€4k€672▼
Profit (loss) for the period before taxes9903€11k€-77k▼
Income taxes67/77€3k€0▼
Profit (loss) for the period9904€8k€-77k▼
Profit (loss) for the period to be appropriated9905€8k€-77k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-89k▼
Profit (loss) brought forward from the previous period14P€-19k€-12k▲
The notes to these accounts (3 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
12-08
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 31/12/2025
- Registered-office move, chaussée de Huy 212 à 1325 Chaumont-Gistoux
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-77k ▼1105%
Net result drops to €-77k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
18-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 79 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 145 days late
2021
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 153 days late
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 144 days late
20-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 264 days late
20-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 629 days late
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 143 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Chaumont-Gistoux · 1 establishment unit since 2013
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.
Chaussée de Huy 2121325 Chaumont-GistouxGround area
1,213 m²
Building footprint
133 m²
Parcel 25018A0412/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
TITRES-SERVICES GRACIAS SENOR
since 20132.241.216.870
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25018A0412/00E000 | Wallonia | 1,213 m² | 1 · 133 m² | - |
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.
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Of 810 companies in sector 96910 we hold annual accounts for 618. 296 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
Founded29-06-2012
Fiscal year end31-12
Activities, NACEBEL 2025
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
5 entriesE-mail:compta@fiducm.be
Website:www.graciassenor.be
E-mail:info@graciassenor.be
Phone:010845961
Fax:010248172