Sas Design-Bâtiment
ActiveThe computed 12-month bankruptcy probability of Sas Design-Bâtiment is 3.3% (moderate). The 2024 annual accounts show equity of €32k and a net result of €-24k. Equity is shrinking by ~25.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 20% of 9981 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
33
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability8▼-59
Solvency36▼-9
Growth32=
Track record94
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.03 against 1.58 in 2023; short-term debt: 26.6% and cash: 7.4% of total assets), and 88.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
11.5%
Return on assets
-8.7%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
222324
2022 to 2024 · latest year €-24k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 9981 sector peers (2024).
NBB · sector comparisonPosition among 9981 sector peers
Solvency
better than 20%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-12-2025, 125 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
125 d late
2023
122 d late
2022
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€32k▼ 43.1%
2023 · €56k
2022: €61k
2023: €56k
2022 → 2024
Total assets
€278k▼ 0.4%
2023 · €280k
2022: €112k
2023: €280k
2022 → 2024
Net result
€-24k▼ 466%
2023 · €-4k
2022: €53k
2023: €-4k
2022 → 2024
Working capital
€2k▼ 91.3%
2023 · €23k
2022: €42k
2023: €23k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€61k-€56k▼ 7.1%€32k▼ 43.1%
Operating result€53k-€24k▼ 54.7%€-20k
Net result€53k-€-4k€-24k▼ 466%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €20k after €24k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €278k
Fixed assets
€202k▼ 6.3%
Current assets
€76k▲ 19.4%
Equity and liabilities €278k
Equity
€32k▼ 43.1%
Debt
€246k▲ 10.3%
The debt ratio rises from 79.9% to 88.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-381▼
2023 · €41k
Cash flow
€-4k▼
2023 · €13k
Solvency
11.5%▼
2023 · 20.1%
Current ratio
1.03▼
2023 · 1.58
Quick ratio
1.03▼
2023 · 1.58
Debt / equity
7.70▲
2023 · 3.97
ROE
-75.7%▼
2023 · -7.6%
ROA
-8.7%▼
2023 · -1.5%
Interest coverage
-0.05▼
2023 · 7.10
Debt
€246k▲
2023 · €223k
Debt ≤ 1 year
€74k▲
2023 · €40k
Debt > 1 year
€172k▼
2023 · €183k
Staff costs
€2k▼
2023 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€280k€278k▼
Fixed assets21/28€216k€202k▼
Tangible fixed assets22/27€212k€199k▼
Land and buildings22€151k€147k▼
Plant, machinery and equipment23€54k€47k▼
Furniture and vehicles24€6k€5k▼
Financial fixed assets28€4k€3k▼
Current assets29/58€64k€76k▲
Amounts receivable within one year40/41€43k€55k▲
Trade receivables40€15k€22k▲
Other amounts receivable41€29k€33k▲
Cash at bank and in hand54/58€21k€21k▲
Equity and liabilities
Total equity and liabilities10/49€280k€278k▼
Equity10/15€56k€32k▼
Contributions10/11€8k€8k=
Reserves13€50k€50k=
Distributable reserves133€50k€50k=
Profit (loss) carried forward14€-2k€-26k▼
Amounts payable17/49€223k€246k▲
Amounts payable after more than one year17€183k€172k▼
Financial debts170/4€183k€172k▼
Amounts payable within one year42/48€40k€74k▲
Current portion of amounts payable after more than one year42€10k€11k▲
Trade debts44€6k€52k▲
Suppliers440/4€6k€52k▲
Taxes, remuneration and social security45€24k€8k▼
Taxes450/3€24k€8k▼
Remuneration and social security454/9€264€264=
Other amounts payable47/48-€3k
Income statement
Code20232024
Remuneration, social security and pensions62€6k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€20k▲
Other operating charges640/8€111€300▲
Gross operating margin9900€48k€2k▼
Operating profit (loss)9901€24k€-20k▼
Financial income75/76B-€4k
Recurring financial income75-€4k
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€18k€-24k▼
Income taxes67/77€22k-
Profit (loss) for the period9904€-4k€-24k▼
Profit (loss) for the period to be appropriated9905€-4k€-24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-26k▼
Profit (loss) brought forward from the previous period14P€3k€-2k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 125 days late
2024
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series.
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 122 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue du Chemin Vert 1036042 CharleroiGround area
64 m²
Building footprint
76 m²
Volume, LiDAR
577 m³
Parcel 52040B0365/00R002, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sas Design-Bâtiment
since 20212.323.765.652
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52040B0365/00R002 | Wallonia | 64 m² | 1 · 76 m² | 9.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 12,534 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43110Demolition
43221Plumbing work
43230Insulation installation
43291Specialised construction activities
43410Roofing work
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.