S.CATA CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of S.CATA CONSTRUCT is 2.2% (moderate). The 2024 annual accounts show equity of €25,869 and a net result of €3,718. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 9973 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability85▼-2
Solvency100=
Growth68=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 12.78 against 8.38 in 2023; short-term debt: 7.8% and cash: 3.9% of total assets), and 7.8% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
92.2%
Return on assets
13.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
68 d late
2022
67 d late
2021
78 d late
2020
61 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 67 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Turnover
€60,244▲ 95.5%
2020 · €30,823
EBIT margin
10.8%▼ 15.3pp
2020 · 26.1%
Net result
€3,718▲ 0.4%
2023 · €3,702
Working capital
€25,869▲ 38.0%
2023 · €18,742
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€30,823-€60,244▲ 95.5%
Operating result€8,052-€6,528▼ 18.9%€6,769▲ 3.7%€4,867▼ 28.1%€5,203▲ 6.9%
Net result€6,601within the sector's middle half-€5,098within the sector's middle half▼ 22.8%€5,251within the sector's middle half▲ 3.0%€3,702within the sector's middle half▼ 29.5%€3,718within the sector's middle half▲ 0.4%
EBIT margin26.1%-10.8%▼ 15.3pp
Equity€8,101below the sector's middle half-€13,199below the sector's middle half▲ 62.9%€18,450within the sector's middle half▲ 39.8%€22,152within the sector's middle half▲ 20.1%€25,869within the sector's middle half▲ 16.8%
Total assets€9,752below the sector's middle half-€22,641below the sector's middle half▲ 132%€25,815below the sector's middle half▲ 14.0%€24,691below the sector's middle half▼ 4.4%€28,065below the sector's middle half▲ 13.7%
Debt€1,650-€9,442▲ 472%€7,365▼ 22.0%€2,539▼ 65.5%€2,195▼ 13.5%
Working capital€4,692within the sector's middle half-€6,474below the sector's middle half▲ 38.0%€10,825within the sector's middle half▲ 67.2%€18,742within the sector's middle half▲ 73.1%€25,869within the sector's middle half▲ 38.0%
Solvency83.1%above the sector's middle half-58.3%above the sector's middle half▼ 24.8pp71.5%above the sector's middle half▲ 13.2pp89.7%above the sector's middle half▲ 18.2pp92.2%above the sector's middle half▲ 2.5pp
Current ratio3.84above the sector's middle half-1.69within the sector's middle half▼ 2.162.47within the sector's middle half▲ 0.788.38above the sector's middle half▲ 5.9112.78above the sector's middle half▲ 4.40
Return on assets (ROA)67.7%above the sector's middle half-22.5%above the sector's middle half▼ 45.2pp20.3%above the sector's middle half▼ 2.2pp15.0%within the sector's middle half▼ 5.3pp13.2%within the sector's middle half▼ 1.7pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 7% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €28,065
Equity
€25,869 ▲ 16.8%
Debt
€2,195 ▼ 13.5%
Debt's share of the balance-sheet total falls from 10.3% to 7.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8,613▼
2023 · €9,082
Cash flow
€7,127▼
2023 · €7,917
Debt to equity
0.08▼
2023 · 0.11
ROE
14.4%▼
2023 · 16.7%
Interest coverage
19.42▼
2023 · 65.82
Debt ≤ 1 year
€2,195▼
2023 · €2,539
Income taxes
€1,042▲
2023 · €1,027
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €30,823 | €60,244 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €49,180 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,705 | €4,215 | €5,920 | €4,215 | €3,410 | ▼ 19.1% |
| Other operating charges640/8 | - | €321 | €561 | €529 | €495 | ▼ 6.3% |
| Gross operating margin9900 | €9,915 | €11,064 | €13,250 | €9,610 | €9,108 | ▼ 5.2% |
| Operating profit (loss)9901 | €8,052 | €6,528 | €6,769 | €4,867 | €5,203 | ▲ 6.9% |
| Recurring financial income75 | €200 | - | - | - | - | - |
| Financial charges65/66B | - | €150 | €185 | €138 | €444 | ▲ 221% |
| Recurring financial charges65 | - | €150 | €185 | €138 | €444 | ▲ 221% |
| Profit (loss) for the period before taxes9903 | €8,252 | €6,378 | €6,585 | €4,729 | €4,760 | ▲ 0.7% |
| Income taxes67/77 | €1,650 | €1,281 | €1,334 | €1,027 | €1,042 | ▲ 1.5% |
| Profit (loss) for the period9904 | €6,601 | €5,098 | €5,251 | €3,702 | €3,718 | ▲ 0.4% |
| Profit (loss) for the period to be appropriated9905 | €6,601 | €5,098 | €5,251 | €3,702 | €3,718 | ▲ 0.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €9,752 | €22,641 | €25,815 | €24,691 | €28,065 | ▲ 13.7% |
| Fixed assets21/28 | €3,410 | €6,725 | €7,625 | €3,410 | - | - |
| Tangible fixed assets22/27 | €3,410 | €6,725 | €7,625 | €3,410 | - | - |
| Furniture and vehicles24 | - | €6,725 | €7,625 | €3,410 | - | - |
| Current assets29/58 | €6,342 | €15,916 | €18,190 | €21,281 | €28,065 | ▲ 31.9% |
| Amounts receivable within one year40/41 | €6,315 | €15,202 | €17,466 | €19,371 | €26,979 | ▲ 39.3% |
| Trade receivables40 | - | €9,002 | €543 | €2,151 | €2,566 | ▲ 19.3% |
| Other amounts receivable41 | - | €6,200 | €16,923 | €17,220 | €24,413 | ▲ 41.8% |
| Cash at bank and in hand54/58 | €27 | €713 | €723 | €1,910 | €1,085 | ▼ 43.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €9,752 | €22,641 | €25,815 | €24,691 | €28,065 | ▲ 13.7% |
| Equity10/15 | €8,101 | €13,199 | €18,450 | €22,152 | €25,869 | ▲ 16.8% |
| Contributions10/11 | - | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Profit (loss) carried forward14 | €6,601 | €11,699 | €16,950 | €20,652 | €24,369 | ▲ 18.0% |
| Amounts payable17/49 | €1,650 | €9,442 | €7,365 | €2,539 | €2,195 | ▼ 13.5% |
| Amounts payable within one year42/48 | €1,650 | €9,442 | €7,365 | €2,539 | €2,195 | ▼ 13.5% |
| Trade debts44 | - | €8,161 | €4,750 | €1,512 | €126 | ▼ 91.7% |
| Suppliers440/4 | - | - | €3,965 | €254 | - | - |
| Bills of exchange payable441 | - | €8,161 | €785 | €1,258 | €126 | ▼ 90.0% |
| Taxes, remuneration and social security45 | - | €1,281 | €2,614 | €1,027 | €2,069 | ▲ 101% |
| Taxes450/3 | - | €1,281 | €2,614 | €1,027 | €2,069 | ▲ 101% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,601 | €5,098 | €5,251 | €3,702 | €3,718 | ▲ 0.4% |
| + Depreciation and write-downs630 | €1,705 | €4,215 | €5,920 | €4,215 | €3,410 | ▼ 19.1% |
| Operating cash flow (approximation) | €8,306 | €9,313 | €11,171 | €7,917 | €7,127 | ▼ 10.0% |
| Investment in fixed assets (approximation) | - | -€7,530 | -€6,820 | €0 | - | - |
| Change in cash | - | €687 | €10 | €1,187 | -€825 | ▼ 170% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Weakest financial yearnet €3,702 ▼29.5%
Net result drops to €3,702, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 8.38
Current ratio from 2.47 to 8.38; short-term debt falls from €7,365 to €2,539.
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 78 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Oostende · 1 establishment unit since 2020
Ground area
890 m²
Building footprint
588 m²
Volume, LiDAR
5,997 m³
2 parcels, Flanders · tallest building 12.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
S.CATA CONSTRUCT
since 20202.303.396.444
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35383C0292/00R007 | Flanders | 747 m² | 1 · 524 m² | 12.5 m · 4 fl. |
| 35020C0314/00B002 | Flanders | 143 m² | 1 · 65 m² | 6.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
WESARTS
BE 0763.576.674
Grimbergen · Eq €25,871
Carpp Construction
BE 0782.374.086
Tubize · Eq €25,864
MP GROUPE
BE 1000.893.807
Dilbeek · Eq €25,879
INCA GROUP RENOVATION
BE 0753.917.751
Zaventem · Eq €25,880
LEJEUNE CONSTRUCT
BE 0722.585.464
Verviers · Eq €25,845
Of 29,786 companies in sector 41001 we hold annual accounts for 16,061. 12,161 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
81210General cleaning of buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0747833475
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.