Checked.be
Active
BE 0758.519.115Private limited company
SAIVE CONSTRUCT
Rue Natalis 2 ·4020 Liège, Belgium· 5 yrs active
Sector: Real estate activities
(68121)
Conclusion
The computed 12-month bankruptcy probability of SAIVE CONSTRUCT is 1.1% (low). The 2024 annual accounts show negative equity (€-395k) and a net result of €-299k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 760 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €-395k |
| Net result | €-299k |
| Better than sector | 10% |
| Active | 5 yrs |
Snowflake analysis
57
/ 100
Mixed profile: strong on profitability, weaker on health.
Health
17
Profitability
100
Solvency
42
Growth
32
Stability
94
Bankruptcy probability (12 mo)
1.1%
Low
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
No administrative flags
Health barometer
17
/ 100
Critical
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See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview
Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -12.0% | 16.2% | |
| Net result | €-299k | €-2k | |
| Equity | €-395k | €128k | |
| Gross operating margin | €-234k | €45k | |
| Total assets | €3.30M | €1.70M |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-299k
-576.4%
21-24
€3.30M
+21.1%
21-24
€-395k
-311.8%
21-24
€-396k
-310.4%
21-24
€3.70M
+31.0%
21-24
€3.70M
+31.0%
21-24
0.89
-7.6%
21-24
0.00
+20.5%
21-24
-12.0%
-240.0%
21-24
-9.37
+68.2%
21-24
75.7%
+64.3%
21-24
-9.0%
-458.4%
21-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | - |
| Net profit | €-299k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €3.30M |
| Equity | €-395k |
| Debt | €3.70M |
| of which ≤ 1y | €3.70M |
| of which > 1y | - |
| Working capital | €-396k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.89 |
| Quick ratio | 0.00 |
| Working capital ratio | -12.0% |
| Solvency | -12.0% |
| Debt / equity | -9.37 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -9.0% |
| ROE | 75.7% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €3.30M |
| Fixed assets | 21/28 | €1k |
| Financial fixed assets | 28 | €1k |
| Current assets | 29/58 | €3.30M |
| Stocks & contracts in progress | 3 | €3.29M |
| Amounts receivable within one year | 40/41 | €5k |
| Cash & bank | 54/58 | €8k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €3.30M |
| Equity | 10/15 | €-395k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €-400k |
| Amounts payable | 17/49 | €3.70M |
| Amounts payable within one year | 42/48 | €3.70M |
| Trade debts payable within one year | 44 | €470k |
| Income statement | ||
| Gross operating margin | 9900 | €-234k |
| Operating result | 9901 | €-235k |
| Financial charges | 65 | €63k |
| Result before taxes | 9903 | €-299k |
| Net result for the period | 9904 | €-299k |
| Result to be appropriated | 9905 | €-299k |
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Ratios computed by Checked.
Legal Structure
| NACE primary | Real estate activities(68121) |
| Legal form | Private limited company(610) |
| Incorporation | 17-11-2020 |
| Status | Active |
| Postal code | 4020 |
Establishment units
-
since 20202.310.712.620
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62817B0482/00Z003 | Wallonia | 5,447 m² | 1 · 1,275 m² | 29.4 m · 7 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
29-08-2025
NBB filing
Annual accounts filed
2024
30-08-2024
NBB filing
Annual accounts filed
2023
31-08-2023
NBB filing
Annual accounts filed
2022
24-08-2022
NBB filing
Annual accounts filed
Credit advice
AI due-diligence brief
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE)
Activities
Ontwikkeling van residentiële bouwprojecten41101Ontwikkeling van residentiële bouwprojecten68121Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201
Primary activity highlighted.
Names & trade names
| Legal nameFR | SAIVE CONSTRUCT |
Registered office
Rue Natalis 2
4020 Liège, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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