Equity
€16,330 from €95,006 in 2021
Equity fell by 83% in 4 years.
S & A CONSTRUCT
Lifetime
12 annual accounts with figures on one time axispeak €48,415 (2014)
-€13,266▲ €19,529
lowest -€34,079 (2024)
-€17,678▲ €16,400
peak €95,006 (2021)
€16,330▼ 52.0%
€22,558▼ 35.1%
peak 0.3 FTE (2014)
-not published
Board1 name since 2021
1 director
Documentsfilings and deeds
18-08-202618 days late
2025micro format
Gross margin from -€32,795 to -€13,266Loss of €17,678Equity from €34,009 to €16,330Debts from €34,772 to €22,558Cash from €38,313 to €3,019
Key points
from the 2025 annual accountsLosses
-€51,757 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Investments
€18,745 14.9 × depreciation
Green is investment, beige is depreciation.
2025 accounts filed 18 days after the deadlineTurnover not published (micro format)
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 4,805 companies had the same profile as S & A CONSTRUCT has now. Each dot stands for 13 companies, two years later.
88.1%
were still trading
9.8%
stopped another way
2.0%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,331 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,805 companies, not a prediction for S & A CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Resignations & appointments
General meeting of 01-01-2023 · Gazette deed
Change of role: , from manager to director
Director discharge: (manager) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 20-10-2021 · Gazette deed
First establishment
Alsembergse Steenweg 105, Sint-Gillis (bij-Brussel)
Incorporation
published on 12-12-2013 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| S & A CONSTRUCT Gerpinnes | €38,889 | -€13,266 | 42.0% | - |
| TSSI SERVICES Quaregnon | €32,621 | -€375 | 98.8% | - |
| SEYNAEVE VERHARDINGSWERKEN Kuurne | €32,739 | €13 | -22.8% | - |
| Aannemingen Goossens Alveringem | €36,127 | -€11,769 | -119.2% | - |
| MDM Aannemingen Stekene | €56,584 | -€427 | 94.3% | - |
| GT Landscaping Westerlo | €57,370 | -€30,752 | 75.2% | - |
| OXALIS BOUW Ghent | €54,873 | -€5,364 | 99.9% | 0 |
These companies have the same main activity as S & A CONSTRUCT: site preparation (NACE 43120). They are comparable in size and age: total assets between €32,600 and €57,400, founded between 2011 and 2016.
Official details
Source: KBO- Status
- Active since 02-12-2013Normal situation
- Activity
- Site preparationNACE 43120and 5 others
- Establishment unit
- 2.224.613.3411060 Sint-Gillis (bij-Brussel), since 02-01-2014
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on S & A CONSTRUCT
S & A CONSTRUCT files the micro format. That format states no turnover. The gross margin fell from €48,415 in 2014 to -€13,266 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about S & A CONSTRUCT
- What is the company number of S & A CONSTRUCT?
- The company number of S & A CONSTRUCT is 0542.609.288. The VAT number is the same number with BE in front: BE 0542.609.288.
- Where is S & A CONSTRUCT based?
- The registered office is at Avenue Fabiola 7, 6280 Gerpinnes.Company details
- What does S & A CONSTRUCT do?
- According to the KBO register, the main activity is site preparation (NACE 43120).
- What is the legal form of S & A CONSTRUCT?
- S & A CONSTRUCT is a private limited company (BV).
- When was S & A CONSTRUCT founded?
- S & A CONSTRUCT was founded on 02-12-2013.
- Is S & A CONSTRUCT still active?
- Yes, S & A CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of S & A CONSTRUCT?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is S & A CONSTRUCT profitable?
- In financial year 2025, S & A CONSTRUCT made a loss of €17,678.
- Where can I find the annual accounts of S & A CONSTRUCT?
- S & A CONSTRUCT filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of S & A CONSTRUCT due?
- S & A CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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