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S&A Multi Construct

Active
Private limited companyfounded 2023active for 3 yearsBrusselsesteenweg 90, 1800 Vilvoorde, BelgiumKBO/BCE: BE 1000.491.355
Summary

The computed 12-month bankruptcy probability of S&A Multi Construct is 7.3% (elevated). The 2025 annual accounts show equity of €34,302 and a net result of -€935. Its solvency ranks better than 16% of 34,718 sector peers (NACE 43, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

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S&A Multi ConstructActiveChecked score 33/100
Risk analysis ReportCompare

Overview

Activity
Other specialised construction activities
NACE 43990General construction of residential buildings NACE 41001
1 site
Size
€270,288total assets 2025
Staff
1.3 FTE
Equity
€34,302
Loss
-€935
Turnover not published (micro format)
Financial health
33 Weak Checked score 2025
Bankruptcy probabilitywithin 12 months
7.3%
Structure
2025 accounts 42 days early
Why 33raises risk2 changes of registered office in 24 monthsFounded in 2023lowers riskFigures for financial year 2025 (filed 19-06-2026)Size: total assets €270,288Show the evidence

Checked score

Score 2025
33 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 24% of its sector peers (NACE 43, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 38-56
equity 12.7% of total assets
Liquidity 28-9
short-term debt 54.8% · cash 4.7%
Profitability 68-32
return on assets -0.3%
Bankruptcy probability, 12 months
7.3% Elevated
0%0.5%1.5%4%10%≥ 25%

About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,640 companies, NACE 43, micro)
Last 24 months 11-2024: 3.8%lowest value 12-2024: 3.9%▲ +0.1 percentage points vs 11-2024 01-2025: 4.3%▲ +0.4 percentage points vs 12-2024 02-2025: 4.5%▲ +0.2 percentage points vs 01-2025 03-2025: 5.0%▲ +0.5 percentage points vs 02-2025 04-2025: 5.0%● unchanged vs 03-2025 05-2025: 9.6%▲ +4.6 percentage points vs 04-2025 06-2025: 9.6%● unchanged vs 05-2025 07-2025: 9.5%▼ -0.1 percentage points vs 06-2025 08-2025: 9.6%▲ +0.1 percentage points vs 07-2025 09-2025: 9.8%▲ +0.2 percentage points vs 08-2025highest value 10-2025: 9.8%● unchanged vs 09-2025highest value 11-2025: 9.8%● unchanged vs 10-2025highest value 12-2025: 9.8%● unchanged vs 11-2025highest value 01-2026: 9.8%● unchanged vs 12-2025highest value 02-2026: 4.4%▼ -5.4 percentage points vs 01-2026 03-2026: 4.5%▲ +0.1 percentage points vs 02-2026 04-2026: 5.2%▲ +0.7 percentage points vs 03-2026 05-2026: 5.7%▲ +0.5 percentage points vs 04-2026 06-2026: 5.4%▼ -0.3 percentage points vs 05-2026 07-2026: 5.4%● unchanged vs 06-2026 08-2026: 4.8%▼ -0.6 percentage points vs 07-2026 09-2026: 5.0%▲ +0.2 percentage points vs 08-2026 10-2026: 7.3%▲ +2.3 percentage points vs 09-2026
Credit of up to €1,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity insufficient (current ratio 0.91, compared with 3.23 in 2024, below 1; short-term debt: 54.8% and cash: 4.7% of total assets), and 87.3% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 16% on solvency, 17% on liquidity, 34% on profitability and 31% on growth.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · 2 changes of registered office in 24 months
Belgian Official Gazette
raises risk · Founded in 2023
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Figures for financial year 2025 (filed 19-06-2026)
NBB · annual accounts
lowers risk · Size: total assets €270,288
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 34718 sector peers (2025).
NBB · sector comparison
Position among 34718 sector peers
Solvency
better than 16%
← weakest strongest →
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 19-06-2026, 42 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
42 days early
2024
38 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 40 days before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
26-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Resignation: Anzhela ZAITSEVA (director)Director discharge · Registered-office move…
  2. Annual accounts filedfinancial year 2025 · micro…
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Caution: Among the weakest 16% on solvencysector median 46.8% · 34,718 companies 12.7% View
  • A director leftlatest change 22-08-2026 · 2 in office 1 left View
  • Total assets 20252 financial years filed €270,288 View

By topic

Financials

Financial year
2025
Total assets
€270,288
Loss
-€935
Solvency
12.7%
Total assets▲ 430%
Net result
20242025
Go to Financials

Timeline

Events
7
Since
2023
Next accounts
by 31-07-2027
  1. 03-04-2025Registered office
  2. 15-07-2024Resignations: Yengoyan Sasha (director) and Zaitseva Anzhela…
  3. 26-01-2024Appointments: Khechybabian Armen (director) and Zaitseva Anzhela…
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other specialised construction activitiesNACE 43990
Founded
29-09-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
15
Who signs
Each director alone
Annual meeting
Third Friday of June at 15:00
Statutory auditor
No statutory auditor
Go to Articles of association

Key facts about S&A Multi Construct

What is the company number of S&A Multi Construct?
1000.491.355. In Belgium the VAT number is the company number with BE in front: BE 1000.491.355.
Where is S&A Multi Construct based?
The registered office is at Brusselsesteenweg 90, 1800 Vilvoorde.Company details
What does S&A Multi Construct do?
According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
What is the legal form of S&A Multi Construct?
Private limited company (BV).
When was S&A Multi Construct founded?
On 29-09-2023.
Is S&A Multi Construct still active?
Yes, S&A Multi Construct is an active enterprise in the KBO register.
How many employees does S&A Multi Construct have?
On average 1.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of S&A Multi Construct?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is S&A Multi Construct profitable?
In financial year 2025, S&A Multi Construct made a loss of €935.
Where can I find the annual accounts of S&A Multi Construct?
S&A Multi Construct filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of S&A Multi Construct due?
By 31-07-2027, for financial year 2026.Timeline

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