SACARA
ActiveSummary
SACARA has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16,966 and a net result of -€1,521. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 90% of 7730 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Overview
What they do
General construction of residential buildings
NACE 41001NACE 70120
1 site
How big
€20,272total assets 2025
- Equity
- €16,966
- Loss
- -€1,521
Turnover not published (abridged schema)
Who decides
Accounts 22 d early0 of 6 deeds read
Why 52- Higher-failure-rate sector- Annual accounts: weaker financial profile- Higher-failure-rate region+ Long track recordLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability19▼-1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
cash: 0.5% of total assets, and 16.3% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
83.7%
Return on assets
-7.5%
Age of the figures
9 mo
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
1 d early
2023
30 d late
2022
31 d late
2021
31 d late
2020
25 d late
2019
41 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 19 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 (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 31 August (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Financials
Fiscal year 2025Total assets €20,272Loss -€1,521Solvency 83.7%
Total assets
€20,272▼ 7.0%
2018 - 2025
Net result
-€1,521▲ 0.3%
2018 - 2025
Equity
€16,966▼ 8.2%
2018 - 2025
Solvency
83.7%▼ 1.1pp
2018 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€8,826▲ 62.1%€9,843▲ 11.5%-€1,561-€1,478▲ 5.3%-€1,521▼ 2.9%
Net result€6,471within the sector's middle half▲ 38.9%€7,216within the sector's middle half▲ 11.5%-€1,568below the sector's middle half-€1,525below the sector's middle half▲ 2.7%-€1,521below the sector's middle half▲ 0.3%
Equity€14,364within the sector's middle half▲ 82.0%€21,580within the sector's middle half▲ 50.2%€20,012within the sector's middle half▼ 7.3%€18,487within the sector's middle half▼ 7.6%€16,966within the sector's middle half▼ 8.2%
Total assets€20,025below the sector's middle half▲ 47.9%€30,215below the sector's middle half▲ 50.9%€26,329below the sector's middle half▼ 12.9%€21,793below the sector's middle half▼ 17.2%€20,272below the sector's middle half▼ 7.0%
Debt€5,661▲ 0.3%€8,635▲ 52.5%€6,317▼ 26.8%€3,306▼ 47.7%€3,306=
Working capital€17,670within the sector's middle half▲ 57.8%€24,885within the sector's middle half▲ 40.8%€23,318within the sector's middle half▼ 6.3%
Solvency71.7%above the sector's middle half▲ 13.4pp71.4%above the sector's middle half▼ 0.3pp76.0%above the sector's middle half▲ 4.6pp84.8%above the sector's middle half▲ 8.8pp83.7%above the sector's middle half▼ 1.1pp
Current ratio8.50above the sector's middle half▲ 2.715.67above the sector's middle half▼ 2.838.74above the sector's middle half▲ 3.08
Return on assets (ROA)32.3%above the sector's middle half▼ 2.1pp23.9%above the sector's middle half▼ 8.4pp-6.0%below the sector's middle half▼ 29.8pp-7.0%below the sector's middle half▼ 1.0pp-7.5%below the sector's middle half▼ 0.5pp
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.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1,521 in 2025 against €1,478 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €20,272
Equity
€16,966 ▼ 8.2%
Debt
€3,306 =
Debt's share of the balance-sheet total rises from 15.2% to 16.3%. Equity is lower.
Key figures and ratios
Key figures and ratios
Debt to equity
0.19▲
2024 · 0.18
ROE
-9.0%▼
2024 · -8.2%
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.7%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 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 12,321 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.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €391 | €390 | €384 | €388 | €400 | ▲ 3.1% |
| Gross operating margin9900 | €9,217 | €10,233 | -€1,177 | -€1,090 | -€1,121 | ▼ 2.8% |
| Operating profit (loss)9901 | €8,826 | €9,843 | -€1,561 | -€1,478 | -€1,521 | ▼ 2.9% |
| Financial charges65/66B | - | - | €7 | €47 | - | - |
| Recurring financial charges65 | - | - | €7 | €47 | - | - |
| Profit (loss) for the period before taxes9903 | €8,826 | €9,843 | -€1,568 | -€1,525 | -€1,521 | ▲ 0.3% |
| Income taxes67/77 | €2,355 | €2,627 | - | - | - | - |
| Profit (loss) for the period9904 | €6,471 | €7,216 | -€1,568 | -€1,525 | -€1,521 | ▲ 0.3% |
| Profit (loss) for the period to be appropriated9905 | €6,471 | €7,216 | -€1,568 | -€1,525 | -€1,521 | ▲ 0.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €20,025 | €30,215 | €26,329 | €21,793 | €20,272 | ▼ 7.0% |
| Current assets29/58 | €20,025 | €30,215 | €26,329 | €21,793 | €20,272 | ▼ 7.0% |
| Amounts receivable within one year40/41 | €13,120 | €24,269 | €22,769 | €21,679 | €20,179 | ▼ 6.9% |
| Trade receivables40 | - | €11,500 | - | - | - | - |
| Other amounts receivable41 | €13,120 | €12,769 | €22,769 | €21,679 | €20,179 | ▼ 6.9% |
| Cash at bank and in hand54/58 | €6,905 | €5,946 | €3,560 | €114 | €93 | ▼ 18.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €20,025 | €30,215 | €26,329 | €21,793 | €20,272 | ▼ 7.0% |
| Equity10/15 | €14,364 | €21,580 | €20,012 | €18,487 | €16,966 | ▼ 8.2% |
| Contributions10/11 | €18,595 | €18,595 | €18,595 | €18,595 | €18,595 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | -€6,090 | €1,126 | -€442 | -€1,967 | -€3,488 | ▼ 77.3% |
| Amounts payable17/49 | €5,661 | €8,635 | €6,317 | €3,306 | €3,306 | = |
| Amounts payable within one year42/48 | €2,355 | €5,330 | €3,011 | - | - | - |
| Trade debts44 | - | €348 | €384 | - | - | - |
| Suppliers440/4 | - | €348 | €384 | - | - | - |
| Taxes, remuneration and social security45 | €2,355 | €4,982 | €2,627 | - | - | - |
| Taxes450/3 | €2,355 | €4,982 | €2,627 | - | - | - |
| Accrued charges and deferred income492/3 | €3,306 | €3,305 | €3,306 | €3,306 | €3,306 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,471 | €7,216 | -€1,568 | -€1,525 | -€1,521 | ▲ 0.3% |
| Operating cash flow (approximation) | €6,471 | €7,216 | -€1,568 | -€1,525 | -€1,521 | ▲ 0.3% |
| Change in cash | - | -€959 | -€2,386 | -€3,446 | -€21 | ▲ 99.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
LuxeBuild Group
BE 0787.755.014
Mechelen · Eq €16,970
ANTWERP BUILDING
BE 0567.541.159
Antwerpen · Eq €16,959
VEBORENT
BE 0473.135.316
Erpe-Mere · Eq €16,948
STONE STORE BATIHOME
BE 0567.676.167
Raeren · Eq €16,985
FIDANOV CONSTRUCT
BE 0788.314.545
Leuven · Eq €16,989
Of 29,789 companies in this sector we hold annual accounts for 16,071. 11,091 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
13 eventsLatest 09-07-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet -€1,568
Net result drops to -€1,568, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €7,216 ▲11.5%
Operating result €9,843, net result €7,216, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 5.79
Current ratio from 2.13 to 5.79; short-term debt falls from €5,766 to €2,338.
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company (pre-2019) · founded 19-12-2000Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company (pre-2019)
Founded19-12-2000
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
71112Activities of interior architects
E-invoicing
Reachable via Peppol
Peppol ID
0208:0473551921
Registered
24-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Lasne · 1 establishment unit since 2001
Ground area
1.0 ha
Building footprint
398 m²
Parcel 25076G0621/00A000, Wallonia. Linked by address, not a title deed.
24
companies at this address
See who is registered here
1 establishment unit
Chaussée de Louvain 496, 1380 Lasne
since 2001unit no. 2.101.292.489
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076G0621/00A000 | Wallonia | 1.0 ha | 1 · 398 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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
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