Checked.be
Active
BE 1004.314.937Private limited company
S.C. Total Construct
Kerkstraat 85 ·9521 Sint-Lievens-Houtem, Belgium· 2 yrs active
Sector: Painting of buildings
(43341)
Conclusion
The computed 12-month bankruptcy probability of S.C. Total Construct is 5.2% (elevated). The 2024 annual accounts show negative equity (€-7k) and a net result of €-12k. Its solvency ranks better than 5% of 11123 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €-7k |
| Net result | €-12k |
| Better than sector | 5% |
| Active | 2 yrs |
Financial profile
55
/ 100
Mixed profile: strong on profitability, weaker on health.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
15
Profitability
100
Solvency
37
Growth
-
Stability
67
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
15
/ 100
Critical
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
negative equity or figures too weak
Score components
Liquidity
Current ratio 0.67 (< 1.0)
-10
Equity
Negative equity
-25
Profitability
ROE 175% (≥ 10%)
+10
Interest coverage
Interest coverage -164.7× (< 1.5×)
-10
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 11-09-2025 with the NBB · fiscal year 2024 · micro schema
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -34.1% | 40.8% | |
| Net result | €-12k | €11k | |
| Equity | €-7k | €34k | |
| Gross operating margin | €-11k | €35k | |
| Total assets | €20k | €94k |
Figures by fiscal year and ratios
| Fiscal year | 2024 |
|---|---|
| Deposit | micro schema |
| Revenue | - |
| EBITDA | €-12k |
| Net profit | €-12k |
| Cash flow | €-12k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €20k |
| Equity | €-7k |
| Debt | €26k |
| of which ≤ 1y | €26k |
| of which > 1y | - |
| Working capital | €-9k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.67 |
| Quick ratio | 0.67 |
| Working capital ratio | -43.6% |
| Solvency | -34.1% |
| Debt / equity | -3.93 |
| Long-term debt ratio | - |
| Interest coverage | -164.69 |
| Gross margin | - |
| Net margin | - |
| ROA | -59.6% |
| ROE | 174.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (19 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €20k |
| Fixed assets | 21/28 | €2k |
| Tangible fixed assets | 22/27 | €2k |
| Current assets | 29/58 | €18k |
| Amounts receivable within one year | 40/41 | €8k |
| Cash & bank | 54/58 | €10k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €20k |
| Equity | 10/15 | €-7k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €-12k |
| Amounts payable | 17/49 | €26k |
| Amounts payable within one year | 42/48 | €26k |
| Trade debts payable within one year | 44 | €23k |
| Income statement | ||
| Gross operating margin | 9900 | €-11k |
| Operating result | 9901 | €-12k |
| Financial charges | 65 | €70 |
| Result before taxes | 9903 | €-12k |
| Net result for the period | 9904 | €-12k |
| Result to be appropriated | 9905 | €-12k |
Legal Structure
| NACE primary | Painting of buildings(43341) |
| Legal form | Private limited company(610) |
| Incorporation | 05-01-2024 |
| Status | Active |
| Postal code | 9521 |
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41036B0159/00H000 | Flanders | 754 m² | 1 · 119 m² | 8.7 m · 2 fl. |
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.
Updates
2025
11-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 42 days late
NBB filing
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Painting of buildings43341Insulation installation43230Specialised construction activities43291Plastering work43310Other building finishing work43350Other specialised construction activities43990Specialised construction activities43999General cleaning of buildings81210
Names & trade names
| Legal nameNL | S.C. Total Construct |
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