4SEMPER GLOBAL

Active

Private limited companyfounded 198541 yrs activeLouizalaan 480, 1050 Elsene, BelgiumKBO/BCE: BE 0427.293.314

Summary

4SEMPER GLOBAL has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91,930 and a net result of €984. Equity is shrinking by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 71% of 625 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch Report Compare

4SEMPER GLOBALActiveChecked score 83/100

Risk analysis Report Compare

Activity

Manufacture of other builders' carpentry and joinery

NACE 16230

#7 oldest company in the Brussels-Capital Region, Wood and cork sector1 site

Size

€99,764turnover 2025

Equity: €91,930
Profit: €984

Financial health

83 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.4%

Structure

Accounts filed 20 d late0 of 13 deeds read

Why 83- Sector Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials (NACE 16)- Size: turnover €99,764, total assets €145,235- Liquidity: current ratio 3.87, cash €3,855+ Founded in 1985Show the evidence

Checked score

Score 2025

83 / 100

Excellent

Probability in this band: under 0.55%

Better than 48% of its sector peers (NACE 16, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 88+22

equity 63.3% of total assets

Liquidity 49+15

short-term debt 17.5% · cash 2.7%

Profitability 69-16

return on assets 0.7%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (1,025 companies)

Last 24 months 11-2024: 0.7% 12-2024: 0.7%● 0.0% vs 11-2024 01-2025: 0.8%▲ +2.5% vs 12-2024 02-2025: 0.8%● 0.0% vs 01-2025 03-2025: 0.8%● 0.0% vs 02-2025 04-2025: 0.8%▲ +1.3% vs 03-2025 05-2025: 0.8%● 0.0% vs 04-2025 06-2025: 0.7%▼ -8.7% vs 05-2025 07-2025: 1.0%▲ +40.1% vs 06-2025 08-2025: 1.3%▲ +34.9% vs 07-2025highest value 09-2025: 0.5%▼ -61.2% vs 08-2025 10-2025: 0.5%● 0.0% vs 09-2025 11-2025: 0.5%● 0.0% vs 10-2025 12-2025: 0.5%▼ -1.4% vs 11-2025 01-2026: 0.5%▼ -1.8% vs 12-2025 02-2026: 0.5%● 0.0% vs 01-2026 03-2026: 0.5%▼ -0.6% vs 02-2026 04-2026: 0.5%▲ +3.3% vs 03-2026 05-2026: 0.5%▲ +0.8% vs 04-2026 06-2026: 0.5%▼ -3.1% vs 05-2026 07-2026: 0.6%▲ +12.5% vs 06-2026 08-2026: 1.0%▲ +83.7% vs 07-2026 09-2026: 0.4%▼ -58.8% vs 08-2026lowest value 10-2026: 0.4%● 0.0% vs 09-2026lowest value

Founded in 1985 lowers the probability for this profile
Sector Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials (NACE 16) raises the probability
Size: turnover €99,764, total assets €145,235 raises the probability for this profile
Liquidity: current ratio 3.87, cash €3,855 raises the probability

Credit up to €7,000 at 30 days acceptable

Liquidity ample (current ratio 3.87 against 1.81 in 2024; short-term debt: 17.5% and cash: 2.7% of total assets), and 36.7% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 16, micro). Better than this share of them on solvency 70%, liquidity 40%, profitability 41%, growth against the median 41%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Founded in 1985

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Sector Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials (NACE 16)

In the bankruptcy model this factor raises the probability.

KBO

Size: turnover €99,764, total assets €145,235

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 3.87, cash €3,855

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

182022232425

2018 to 2025 · latest year €91,930

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 10 filings

Deviation from the deadline

2025

20 d late

2024

25 d late

2023

4 d late

2022

231 d late

2020

3 d early

2018

14 d late

2017

23 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 45 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 37% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 20 August (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

20-08-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Liquidity doublescurrent ratio 3.87
25-08-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Positive: Oldest company in the Brussels-Capital Region, Wood and…in the Checked rankings #7 View
Active since 1985founded 24-04-1985 41 years View
Turnover 20254 fiscal years filed €99,764 View