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SACCO CONSTRUCT

Active
Private limited companyfounded 2020active for 6 yearsAvenue Léopold III(PER) 101, 7134 Binche, BelgiumKBO/BCE: BE 0747.534.062
Summary

SACCO CONSTRUCT has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27,760 and a net result of €21,095. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 57% of 2,797 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Official details

Source: KBO
Status
Active since 20-05-2020 Normal situation
Activity
General construction of residential buildings NACE 41001and 5 others
Establishment unit
2.302.834.141 7134 Binche, since 01-06-2020
Financial year end
31 December
Peppol
Reachable since 03-04-2025

Board and ownership

Board
  • Saccomando FabioDirector · since 20-05-2020

Financial position

87 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Annual accounts 2025
Gross margin
€28,547
▼ 31.4%
Turnover
≈ €130,000
estimated
Profit
€21,095
▼ 25.0%
Equity
€27,760
▲ 316%
Total assets
€61,555
▲ 113%
Staff
≈ 0 FTE
estimated
Score breakdownraises riskSector: Construction of residential and non-residential buildings (NACE 41)Founded in 2020Size: total assets €61,555lowers riskLiquidity: current ratio 1.78, cash €60,213Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 79% of micro companies in construction of buildings (NACE 41)
Financial strength · tick: 2024
Strong
Solvency 70+22
equity 45.1% of total assets
Liquidity 72+14
short-term debt 54.9% · cash 97.8%
Profitability 100=
return on assets 34.3%
Bankruptcy probability within 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 1.5% (13,453 companies, NACE 41, micro)
Last 24 months 12-2024: 3.5% 01-2025: 3.4%▼ -0.1 percentage points vs 12-2024 02-2025: 3.4%● unchanged vs 01-2025 03-2025: 3.4%● unchanged vs 02-2025 04-2025: 3.5%▲ +0.1 percentage points vs 03-2025 05-2025: 3.6%▲ +0.1 percentage points vs 04-2025 06-2025: 3.7%▲ +0.1 percentage points vs 05-2025highest value 07-2025: 1.3%▼ -2.4 percentage points vs 06-2025 08-2025: 1.3%● unchanged vs 07-2025 09-2025: 1.3%● unchanged vs 08-2025 10-2025: 1.3%● unchanged vs 09-2025 11-2025: 1.3%● unchanged vs 10-2025 12-2025: 1.3%● unchanged vs 11-2025 01-2026: 1.2%▼ -0.1 percentage points vs 12-2025 02-2026: 1.2%● unchanged vs 01-2026 03-2026: 1.2%● unchanged vs 02-2026 04-2026: 1.3%▲ +0.1 percentage points vs 03-2026 05-2026: 1.3%● unchanged vs 04-2026 06-2026: 1.4%▲ +0.1 percentage points vs 05-2026 07-2026: 1.6%▲ +0.2 percentage points vs 06-2026 08-2026: 1.6%● unchanged vs 07-2026 09-2026: 1.7%▲ +0.1 percentage points vs 08-2026 10-2026: 0.4%▼ -1.3 percentage points vs 09-2026lowest value 11-2026: 0.4%● unchanged vs 10-2026lowest value
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.78 (1.18 in 2024), above the usual 1.5. Short-term debt is 54.9% and cash 97.8% of total assets. However, 54.9% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 41, micro). It does better than 53% of them on solvency, 76% on liquidity, 91% on profitability and 96% on growth.

The bankruptcy probability was computed on 02-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 1.78, cash €60,213
NBB · annual accounts
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Founded in 2020
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Size: total assets €61,555
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
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 29-06-2026, 32 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
32 days early
2024
45 days early
2023
36 days early
2022
42 days early
2021
32 days early
2020
37 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 37 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% 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. The company usually files around 26 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Always filed on timeaccounts within the deadline every year 6 years View

Recent changes

  1. · Gazette deed Incorporation
All 11 events

Comparable companies

These companies have the same main activity as SACCO CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €50,600 and €68,800, founded between 2019 and 2020.

CompanyTotal assetsGross margin
SACCO CONSTRUCT Binche€61,555€28,547
PL CONCEPT Tournai€68,826€24,844
CONSTRUCTRA Brugelette€51,328€30,392
BELGO DESIGN Chapelle-lez-Herlaimont€50,617€25,752
ELITERO Kapelle-op-den-Bos€60,249€28,894
5 S GROUP Machelen (Brab.)€58,655€29,787
Chisel & Saw Merchtem€61,058€28,414
Full comparison

Key facts about SACCO CONSTRUCT

What is the company number of SACCO CONSTRUCT?
The company number of SACCO CONSTRUCT is 0747.534.062. The VAT number is the same number with BE in front: BE 0747.534.062.
Where is SACCO CONSTRUCT based?
The registered office is at Avenue Léopold III(PER) 101, 7134 Binche.Company details
What does SACCO CONSTRUCT do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of SACCO CONSTRUCT?
The legal form of SACCO CONSTRUCT is Private limited company (BV).
When was SACCO CONSTRUCT founded?
SACCO CONSTRUCT was founded on 20-05-2020.
Is SACCO CONSTRUCT still active?
Yes, SACCO CONSTRUCT is an active enterprise in the KBO register.
How many employees does SACCO CONSTRUCT have?
SACCO CONSTRUCT had an average of 0.2 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of SACCO CONSTRUCT?
The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €28,547 and 35 comparable companies (NACE 41001). It probably lies between €81,000 and €240,000.
Is SACCO CONSTRUCT profitable?
In financial year 2025, SACCO CONSTRUCT made a profit of €21,095.
Where can I find the annual accounts of SACCO CONSTRUCT?
SACCO CONSTRUCT filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SACCO CONSTRUCT due?
SACCO CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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