Equity
SAMCRIS CONSTRUCT has made a profit without a break since 2023.
SAMCRIS CONSTRUCT has made a profit without a break since 2023.
The micro format states no turnover.
The 2022 accounts came latest: 66 days after the end of the period.
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 28% of them on solvency, 8% on liquidity, 23% on profitability and 41% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
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).
In July 2024, 3,274 companies had the same profile as SAMCRIS CONSTRUCT has now. Each dot stands for 9 companies, two years later.
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SAMCRIS CONSTRUCT itself is higher: 6.4% within 12 months. It rests on far more data about SAMCRIS CONSTRUCT than the profile alone.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,274 companies, not a prediction for SAMCRIS CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is tight, with a current ratio of 1.26 (1.34 in 2024), below the usual 1.5. Short-term debt is 79.2% and cash 0.4% of total assets. 79.2% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 4 accounts on average 41 days after 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.
| Company | ||||
|---|---|---|---|---|
| SAMCRIS CONSTRUCT Dilbeek | €112,473 | €3,129 | 20.8% | - |
| SGR CONSULT Engis | €115,570 | €3,097 | 23.3% | - |
| WE-NS Tienen | €91,813 | €2,554 | 61.9% | - |
| FJB CONSTRUCT Sint-Pieters-Leeuw | €125,379 | €2,173 | 41.0% | - |
| WHITE ROCK Grimbergen | €83,379 | €2,944 | 14.8% | - |
| Oxa Group Vilvoorde | €83,028 | €4,025 | 75.5% | - |
| REAL BOUW Ternat | €100,971 | €4,032 | 23.4% | - |
These companies have the same main activity as SAMCRIS CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €83,000 and €125,000, founded between 2021 and 2023.
SAMCRIS CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from -€2,091 in 2022 to €3,129 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €38,000. Estimated: probably between €20,000 and €68,000.
Higher than 27% of 9,456 companies in 2025.
Higher than 34% of 9,204 companies in 2025.
Higher than 28% of 9,276 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
112,473 | 89,129 | 129,827 | 64,032 | |
21/28 |
75 | 75 | 75 | 75 | |
28 |
75 | 75 | 75 | 75 | |
29/58 |
112,398 | 89,054 | 129,752 | 63,957 | |
40/41 |
111,907 | 87,194 | 127,917 | 63,878 | |
40 |
96,427 | 81,390 | 121,177 | 62,283 | |
41 |
15,479 | 5,803 | 6,740 | 1,595 | |
54/58 |
492 | 1,860 | 1,834 | 79 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
112,473 | 89,129 | 129,827 | 64,032 | |
10/15 |
23,363 | 22,809 | 8,757 | 1,743 | |
10/11 |
5,000 | 5,000 | 5,000 | 5,000 | |
14 |
18,363 | 17,809 | 3,757 | -3,257 | |
17/49 |
89,111 | 66,319 | 121,070 | 62,289 | |
42/48 |
89,111 | 66,319 | 121,070 | 62,289 | |
44 |
82,408 | 60,618 | 114,984 | 42,181 | |
440/4 |
82,408 | 60,618 | 114,984 | 42,181 | |
46 |
- | - | - | 15,722 | |
45 |
6,703 | 4,554 | 6,086 | - | |
450/3 |
6,703 | 4,554 | 6,086 | - | |
47/48 |
- | 1,148 | - | 4,386 | |
| Income statement | |||||
9900 |
3,129 | 20,988 | 11,880 | -2,091 | |
640/8 |
1,993 | 2,821 | 3,666 | 1,101 | |
9901 |
1,136 | 18,167 | 8,214 | -3,192 | |
75/76B |
- | 0 | 2 | 0 | |
75 |
- | 0 | 2 | 0 | |
65/66B |
327 | 507 | 257 | 65 | |
65 |
327 | 507 | 257 | 65 | |
9903 |
808 | 17,660 | 7,960 | -3,257 | |
67/77 |
255 | 3,607 | 946 | - | |
9904 |
553 | 14,053 | 7,013 | -3,257 | |
9905 |
553 | 14,053 | 7,013 | -3,257 | |
| Appropriation of the result | |||||
9906 |
18,363 | 17,809 | 3,757 | -3,257 | |
14P |
17,809 | 3,757 | -3,257 | - | |
| Document | |||||
The notes to these accounts have 2 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 18-08-2026.
2025 annual accounts filed 18 days after the deadline. Filed on 18 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00404985.
| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| - | - | - | 75 | ||
| -1,368 | 26 | 1,755 | - | ||
| 23,288 | 22,734 | 8,682 | 1,668 | ||
| 20.8% | 25.6% | 6.7% | 2.7% | ||
| 1.26 | 1.34 | 1.07 | 1.03 | ||
| 3.81 | 2.91 | 13.83 | 35.73 | ||
| 2.4% | 61.6% | 80.1% | -186.8% | ||
| 0.5% | 15.8% | 5.4% | -5.1% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Financial fixed assets | - | - | - | €75 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 94% lower than in 2024 and the lowest since 2022.
Debt's share of the balance-sheet total rises from 74.4% to 79.2%. Equity and debt are higher.
SAMCRIS CONSTRUCT has no parent and no holdings in its annual accounts. RUS Vasile Cristian is the only director. SAMCRIS CONSTRUCT shares no director with another company.
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Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
SAMCRIS CONSTRUCT was incorporated on 26 July 2021 as a private limited company by one natural person, with a starting capital of €5,000.12 The registered office was moved to Dilbeek in 2026.3 Since 2021, RUS Vasile Cristian has served as director.4 Total assets rose from €64,032 in 2022 to €112,473 in 2025.5
| Establishment | Since | Unit number |
|---|---|---|
| Oudesmidsestraat 20 registered office 1700 Dilbeek | 26-07-2021 | 2.320.249.403 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23016D0063/00W002 | 300 m² | 1 · 299 m² | 12.6 m · 3 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0771.709.927
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