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S.G.C.

Active
Private limited companyfounded 200521 yrs activeDoelstraat 140, 2590 Berlaar, BelgiumKBO/BCE: BE 0875.079.461
Summary

S.G.C. has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €198,326 and a net result of €37,700. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 84% of 36397 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
S.G.C.ActiveChecked score 86/100
Risk analysis ReportCompare

Overview

Activity
Other building finishing work
NACE 43350NACE 43390NACE 45450
1 site
Size
€255,125total assets 2024
Equity
€198,326
Profit
€37,700
Turnover not published (abridged schema)
Financial health
86 Excellent Checked score 2024
Bankruptcy chance 12 m
0.4%
Structure
Accounts 65 d overdue0 of 2 deeds read
Why 86- Figures for FY 2024 (filed 29-09-2025)+ Founded in 2005+ Liquidity: current ratio 4.58, cash €72,550+ Equity €198,326 (77.7% of total assets)Show the evidence

Checked score

Score 2024
86 / 100
Excellent
Probability in this band: under 0.55%
Better than 68% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Strong
Solvency 100+2
equity 77.7% of total assets
Liquidity 79-5
short-term debt 20.7% · cash 28.4%
Profitability 87+7
return on assets 14.8%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,514 companies)
Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%● 0.0% vs 11-2024lowest value 01-2025: 0.1%● 0.0% vs 12-2024lowest value 02-2025: 0.1%● 0.0% vs 01-2025lowest value 03-2025: 0.1%● 0.0% vs 02-2025lowest value 04-2025: 0.1%▲ +14.5% vs 03-2025 05-2025: 0.1%▼ -5.7% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.1%▲ +14.6% vs 06-2025 08-2025: 0.2%▲ +91.5% vs 07-2025 09-2025: 0.2%▲ +21.1% vs 08-2025 10-2025: 0.2%▼ -29.4% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%▼ -1.3% vs 12-2025 02-2026: 0.2%● 0.0% vs 01-2026 03-2026: 0.2%▼ -0.7% vs 02-2026 04-2026: 0.2%▲ +2.0% vs 03-2026 05-2026: 0.2%▼ -1.3% vs 04-2026 06-2026: 0.2%● 0.0% vs 05-2026 07-2026: 0.2%▲ +0.7% vs 06-2026 08-2026: 0.2%▲ +47.7% vs 07-2026 09-2026: 0.3%▲ +17.7% vs 08-2026 10-2026: 0.4%▲ +43.2% vs 09-2026highest value
  • Founded in 2005 lowers the probability for this profile
  • Liquidity: current ratio 4.58, cash €72,550 lowers the probability
  • Figures for FY 2024 (filed 29-09-2025) raises the probability
  • Equity €198,326 (77.7% of total assets) lowers the probability
Credit up to €17,000 at 30 days acceptable
Liquidity ample (current ratio 4.58 against 3.37 in 2023; short-term debt: 20.7% and cash: 28.4% of total assets), and 22.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 90%, liquidity 77%, profitability 73%, growth against the median 31%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Founded in 2005
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 4.58, cash €72,550
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Figures for FY 2024 (filed 29-09-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Equity €198,326 (77.7% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 10 filings
Deviation from the deadline
2025
not confirmed
2024
60 d late
2023
27 d late
2022
25 d early
2021
18 d early
2020
55 d late
2019
25 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 21 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Annual accounts filedfiscal year 2023 · micro…
  3. Equity above €200,000Eq €201,942 ▲1.8%

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 65 d late View
  • Positive: Among the best 16% on equitysector median €57,948 · 36,414 companies €198,326 View
  • Positive: 7 profitable years in a rowprofit 2024: €37,700 7 years View

By topic

Financials

Fiscal year
2024
Total assets
€255,125
Profit
€37,700
Solvency
77.7%
Total assets▼ 8.4%
Net result
20182024
Go to Financials

Timeline

Events
15
Since
2016
  1. 29-09-2025Annual accounts filed
  2. 27-08-2024Annual accounts filed
  3. 31-12-2023Equity above €200,000
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other building finishing workNACE 43350
Founded
29-06-2005
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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