S.A CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of S.A CONSTRUCT is 4.7% (elevated). The 2024 annual accounts show equity of €11k and a net result of €6k. Its solvency ranks better than 58% of 9981 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+16
Solvency74▲+30
Growth78
Track record94
Bankruptcy probability, 12 months
4.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 1.95 against 1.23 in 2023; short-term debt: 50.6% and cash: 29.8% of total assets), but 50.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
49.4%
Return on assets
27.8%
Age of the figures
21 mo
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 11-07-2025, 20 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
20 d early
2023
51 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€11k▲ 129%
2023 · €5k
2023: €5k
2023 → 2024
Total assets
€23k▼ 13.1%
2023 · €26k
2023: €26k
2023 → 2024
Net result
€6k▲ 29.0%
2023 · €5k
2023: €5k
2023 → 2024
Working capital
€11k▲ 123%
2023 · €5k
2023: €5k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€5k-€11k▲ 129%
Operating result€7k-€8k▲ 14.9%
Net result€5k-€6k▲ 29.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 15% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €23k
Fixed assets
€300
Current assets
€22k
Equity and liabilities €23k
Equity
€11k▲ 129%
Debt
€11k▼ 45.9%
The debt ratio falls from 81.3% to 50.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
49.4%▲
2023 · 18.7%
Current ratio
1.95▲
2023 · 1.23
Quick ratio
1.95▲
2023 · 1.23
Debt / equity
1.02▼
2023 · 4.34
ROE
56.3%▼
2023 · 100.0%
ROA
27.8%▲
2023 · 18.7%
Debt
€11k▼
2023 · €21k
Debt ≤ 1 year
€11k▼
2023 · €21k
Income taxes
€2k▲
2023 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€26k€23k▼
Fixed assets21/28-€300
Financial fixed assets28-€300
Current assets29/58€26k€22k▼
Amounts receivable within one year40/41€17k€10k▼
Trade receivables40€16k€9k▼
Other amounts receivable41€1k€933▼
Cash at bank and in hand54/58€9k€7k▼
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€26k€23k▼
Equity10/15€5k€11k▲
Profit (loss) carried forward14€5k€11k▲
Amounts payable17/49€21k€11k▼
Amounts payable within one year42/48€21k€11k▼
Trade debts44€19k€9k▼
Suppliers440/4€19k€9k▼
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€3k▲
Other amounts payable47/48€830-
Income statement
Code20232024
Gross operating margin9900€7k€8k▲
Operating profit (loss)9901€7k€8k▲
Financial charges65/66B€794€125▼
Recurring financial charges65€794€125▼
Profit (loss) for the period before taxes9903€6k€8k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€5k€6k▲
Profit (loss) for the period to be appropriated9905€5k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€11k▲
Profit (loss) brought forward from the previous period14P-€5k
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 51 days late
NBB filing
Directors · office · real estate
Directors
2 acts for this company are 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, Anderlecht · 1 establishment unit since 2022
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.
Emile Carpentierstraat 571070 AnderlechtGround area
569 m²
Building footprint
153 m²
Volume, LiDAR
1,913 m³
Parcel 21305C0249/00N004, Brussels · tallest building 19.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
S.A CONSTRUCT
since 20222.333.997.370
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305C0249/00N004 | Brussels | 569 m² | 1 · 153 m² | 19.7 m · 5 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.
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BE 1002.754.821
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TC Projects
BE 1015.332.454
Waasmunster · Eq €11k
MM Partners
BE 0774.367.430
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BATI DUR.RO
BE 0807.399.096
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M-EXACT
BE 1006.204.061
Asse · Eq €11k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 9,702 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-07-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43310Plastering work
43320Joinery installation
43990Other specialised construction activities
43995Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.