Turnover
≈ €4,900 estimated
The micro format states no turnover.
SAVIU CONSTRUCT
Overview
Lifetime
2 annual accounts with figures on one time axispeak €11,220 (2024)
€569▼ 94.9%
lowest -€1,086 (2025)
-€1,086▼ €10,026
peak €11,940 (2024)
€10,855▼ 9.1%
€20,442▲ 449%
Board1 name since 2024
1 directorSAVCIUC Constantin
Documentsfilings and deeds
30-09-202661 days late
2025micro format
Gross margin from €11,220 to €569Loss of €1,086Debts from €3,720 to €20,442Cash from €11,202 to €25,731
Key points
from the 2025 annual accountsInvestments
€1,154 5.2 × depreciation
Green is investment, beige is depreciation.
Liquidity
1.49 was 4.21 in 2024
Short-term debts rose from €3,720 to €20,442.
2025 accounts filed 61 days after the deadline
Checked score
63
Healthy
Financially stronger than 37% of micro companies in building services and landscaping (NACE 81)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.5% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.9% across 7,710 companies (NACE 81, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2025: 2.0%
08-2025: 2.1%▲ +0.1 percentage points vs 07-2025
09-2025: 2.5%▲ +0.4 percentage points vs 08-2025highest value
10-2025: 0.8%▼ -1.7 percentage points vs 09-2025lowest value
11-2025: 0.9%▲ +0.1 percentage points vs 10-2025
12-2025: 0.9%● unchanged vs 11-2025
01-2026: 0.9%● unchanged vs 12-2025
02-2026: 0.9%● unchanged vs 01-2026
03-2026: 0.9%● unchanged vs 02-2026
04-2026: 0.9%● unchanged vs 03-2026
05-2026: 0.9%● unchanged vs 04-2026
06-2026: 0.9%● unchanged vs 05-2026
07-2026: 1.0%▲ +0.1 percentage points vs 06-2026
08-2026: 1.5%▲ +0.5 percentage points vs 07-2026
09-2026: 1.7%▲ +0.2 percentage points vs 08-2026
10-2026: 1.5%▼ -0.2 percentage points vs 09-2026
11-2026: 1.5%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 61 days late; 2 of the last 3 accounts late
Founded in 2024
Size: total assets €31,297
lowers risk
Liquidity: current ratio 1.49, cash €25,731
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 81, micro). It does better than 42% of them on solvency, 69% on liquidity, 12% on profitability and 24% on growth.
The bankruptcy probability was computed on 10-11-2026 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 moderate class on 30-06-2025, 2.4% 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).
Comparable companies, two years later
In July 2024, 2,145 companies had the same profile as SAVIU CONSTRUCT has now. Each dot stands for 6 companies, two years later.
91.7%
were still trading
5.9%
stopped another way
2.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SAVIU CONSTRUCT itself: 1.5% within 12 months.
Test of the method
The method was tested on the 497,448 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 2,145 companies, not a prediction for SAVIU 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.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.49 (4.21 in 2024), below the usual 1.5. Short-term debt is 65.3% and cash 82.2% of total assets. 65.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
61 days late
2024
61 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 61 days after the deadline. In the sector (NACE 81), the median for financial year 2024 was 1 day before the deadline, and 43% 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.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1010057535
Incorporation
Founding capital of €3,000, 100 shares · Founder: SAVCIUC Constantin (comparant) · Appointment: SAVCIUC Constantin (director) · published on 07-06-2024 · Gazette deed
First establishment
Carl Requettelaan 7, Molenbeek-Saint-Jean
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SAVIU CONSTRUCT Molenbeek-Saint-Jean | €31,297 | €569 | 34.7% | - |
| MATT CLEANING Antwerp | €27,307 | -€1,200 | -9.7% | - |
| CRI_O_GENIE Esneux | €31,572 | -€2,390 | -15.8% | - |
| Proper by Fré Waasmunster | €25,024 | -€10,906 | -117.9% | - |
| S&S GROUP Antwerp | €28,999 | €141 | 1.5% | - |
| KEHART Hannut | €22,224 | -€9,766 | -15.0% | - |
| ADH Cleaning Wanze | €27,467 | -€4,115 | 96.1% | - |
These companies have the same main activity as SAVIU CONSTRUCT: other building cleaning and industrial cleaning (NACE 81220). They are comparable in size and age: total assets between €22,200 and €31,600, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 05-06-2024Normal situation
- Activity
- Other building cleaning and industrial cleaningNACE 81220and 6 others
- Establishment unit
- 2.361.438.5711080 Molenbeek-Saint-Jean, since 05-06-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 28-01-2026
Annual accounts 2025
- €569▼ 94.9%
- €1,086
- €10,855▼ 9.1%
- €31,297▲ 99.8%
- Filing
- Filed on 30-09-2026
Insights on SAVIU CONSTRUCT
The computed 12-month bankruptcy probability of SAVIU CONSTRUCT is 1.5% (moderate). The 2025 annual accounts show equity of €10,855 and a net result of -€1,086.
Its solvency ranks better than 44% of 5,728 sector peers (NACE 81, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 30-09-2026, 61 days late€569
▼ 94.9%
-€798
▼ €12,018
-€1,086
▼ €10,026
€9,923
▼ 16.9%
34.7%
▼ 41.6 percentage points
1.49
▼ 2.72
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 ≈ €4,900. Estimated: probably between €2,800 and €13,000.
Balance sheet
balance sheet total €31,297 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
34.7%
Higher than 44% of 5,728 companies in 2025.
1.49
Higher than 50% of 5,589 companies in 2025.
-3.5%
Higher than 18% of 5,615 companies in 2025.
SAVIU CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in building services and landscaping (NACE 81)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
31,297 | 15,661 | |
21/28 |
932 | - | |
22/27 |
932 | - | |
23 |
932 | - | |
29/58 |
30,365 | 15,661 | |
40/41 |
4,609 | 4,459 | |
40 |
65 | 498 | |
41 |
4,545 | 3,961 | |
54/58 |
25,731 | 11,202 | |
490/1 |
25 | - | |
| Balance sheet: equity and liabilities | |||
10/49 |
31,297 | 15,661 | |
10/15 |
10,855 | 11,940 | |
10/11 |
3,000 | 3,000 | |
14 |
7,855 | 8,940 | |
17/49 |
20,442 | 3,720 | |
42/48 |
20,442 | 3,720 | |
44 |
5,469 | 228 | |
440/4 |
5,469 | 228 | |
46 |
14,323 | 1,200 | |
45 |
103 | 2,243 | |
450/3 |
103 | 2,243 | |
47/48 |
547 | 50 | |
| Income statement | |||
9900 |
569 | 11,220 | |
630 |
222 | - | |
640/8 |
1,144 | - | |
9901 |
-798 | 11,220 | |
75/76B |
57 | 13 | |
75 |
57 | 13 | |
65/66B |
242 | 50 | |
65 |
242 | 50 | |
9903 |
-982 | 11,183 | |
67/77 |
103 | 2,243 | |
9904 |
-1,086 | 8,940 | |
9905 |
-1,086 | 8,940 | |
| Appropriation of the result | |||
9906 |
7,855 | 8,940 | |
14P |
8,940 | - | |
| Document | |||
The notes to these accounts have 5 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 30-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 61 days after the deadline. Filed on 30 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00537233.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| -576 | - | ||
| -863 | - | ||
| 1,154 | - | ||
| 14,529 | - | ||
| 9,923 | 11,940 | ||
| 34.7% | 76.2% | ||
| 1.49 | 4.21 | ||
| 1.88 | 0.31 | ||
| -10.0% | 74.9% | ||
| -3.5% | 57.1% | ||
| -2.38 | - |
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.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €1,154 | - |
| €222 | - |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on SAVIU CONSTRUCT
The operating result for 2025 is a loss of €798, after a profit of €11,220 in 2024.
Debt's share of the balance-sheet total rises from 23.8% to 65.3%. Equity is lower and debt is higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 07-06-2024
term without a fixed end
Mandates through the years
1 name, the dashed line is todaySAVCIUC Constantin
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- SAVCIUC Constantin
- Director (not named in the articles), appointed by deed of 07-06-2024, still in office
Control
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €109 in 2025
- Source
- deed of 07-06-2024
Articles of association
deed of 07-06-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 07-06-2024 ↗
- SAVCIUC Constantin 100 shares (100%) · €3,000 in cash
Network & group
No group
SAVIU CONSTRUCT has no parent and no holdings in its annual accounts. SAVCIUC Constantin is the only director. SAVIU CONSTRUCT shares no director with another company.
At the same address
Carl Requettelaan 7, 1080 Molenbeek-Saint-Jean · 1 other company| Ntawiniga Muamini, Rosine-Clarisse (sole trader)
establishment since 01-10-2019 |
founded in 2019 0838.310.028 |
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 61 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1010057535
2025
Annual accounts 2024 filed NBBmicro format · 61 days late
2024
IncorporationFounding capital of €3,000, 100 shares · Founder: SAVCIUC Constantin (comparant) · Appointment: SAVCIUC Constantin (director) · published on 07-06-20246 points ▸
- Founder, SAVCIUC Constantin (comparant)
- Founding capital, €3,000, 100 shares
- 100 shares
- Registered office clause, Avenue Carl Requette 7/8, 1080 Molenbeek-Saint-Jean
- Board rule, 1
- Director appointment, SAVCIUC Constantin (director (not named in the articles))
- The deed holds 4 more points.
First establishment Carl Requettelaan 7, Molenbeek-Saint-Jean
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
SAVIU CONSTRUCT was incorporated on 5 June 2024 as a private limited company by one natural person, with a starting capital of €3,000.12 SAVCIUC Constantin is director of the company, appointed by deed of 07-06-2024.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1010.057.535
- VAT number
- BE 1010.057.535
- Peppol ID
- 0208:1010057535
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 05-06-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 18:00deed of 07-06-2024 (in French)
- Peppol
- Reachable since 28-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SAVIU CONSTRUCT in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 07-06-2024 (in French)
Activities
NACEBEL 202581220
Other building cleaning and industrial cleaning main activity
42911
Civil engineering
43120
Site preparation
43230
Insulation installation
Codes under NACEBEL 2008
43992
Specialised construction activities main activity
42911
Civil engineering
43120
Site preparation
43130
Specialised construction activities
43291
Specialised construction activities
43299
Specialised construction activities
43390
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes opérations se rapportant directement ou indirectement à l'entretien,la rénovation,les travaux de réparations,d'embellissements,de…”deed of 07-06-2024 (in French)
22 activities
- Toutes opérations se rapportant directement ou indirectement à l'entretien,la rénovation,les travaux de réparations,d'embellissements,de renouvellement et de modernisation,et la maintenance de tous les types d'ouvrages d'art,de biens immeubles,et plus généralement toutes opérations se rapportant directement ou indirectement aux secteurs des travaux publics et privés et du bâtiment,en ce compris toutes prestations ou travaux ayant traits aux domaines suivants :
- La couverture non métallique de construction,l’étanchéité et la zinguerie,la réception et l’évacuation des eaux ;
- Les installations,matériels ou appareils électriques,l’électricité,l’électrotechnique,la domotique,la communication,la signalisation de sécurisation et ce,tant pour le domaine public que privé ;
- Les sanitaires,la plomberie,le chauffage et la ventilation ;
- La distribution de l'eau,du gaz,de l’électricité,etc.,l'établissement et l'exploitation de tous moyens de transport,ports,canaux,routes,etc.;
- Les constructions métalliques et ossatures pour la construction,les pièces forgées pour la construction et pour l’industrie,les pièces métalliques diverses,réservoirs,citernes,poêles et silos ;
- Le rejointoiement et la finition;
- Le plafonnage et le cimentage ;
- La pose de chape,de faux plafonds,de cloisons amovibles et de plaques de gyproc;
- La charpenterie et la menuiserie ;
- La fabrication et le placement de châssis,en ce compris le placement de vitres et de volets en P.V.C. et aluminium ;
- L’installation des échafaudages et le nettoyage de façades ;
- L’approvisionnement de tous matériels se rapportant directement ou indirectement à la construction d’une manière générale ;
- Elle pourra ériger toutes constructions pour son compte ou pour compte de tiers,en tant que maître de l’ouvrage et effectuer,aux biens immobiliers,des transformations et mises en valeur;signer tous contrats d’entreprises qui seraient nécessaires ;
- L'étude,la conception et la réalisation de tous travaux de construction,publics et privés,en qualité d’entrepreneur général ou en sous-traitance ainsi que de décorations tant intérieures qu'extérieures;
- La prestation de conseils et d'assistance tant au point de vue technique qu'administratif et commercial à toutes sociétés et entreprises,pour tout ce qui concerne le secteur des biens immobiliers,en ce compris le secteur de la prévention et de la coordination de la sécurité en matière de travaux de construction.
- L'achat,la vente,la location,l'importation,l'exportation de tous matériaux,marchandises,appareils et outillages nécessaires aux travaux de construction,d'entretien,de maintenance,de réparation et de renouvellement des ouvrages d'art et bâtiments;
- La préparation,la rédaction et la conclusion en tant que mandataire ou pour compte propre,de tous marchés de travaux publics ou privés ou de fourniture et faite toutes opérations se rattachant à ces objets.
- La constitution et la valorisation d’un patrimoine immobilier,tant en immeubles qu’en droits réels immobiliers,notamment l’achat,la vente,l’échange,la négociation,la transaction,la gestion,le leasing,la location meublée ou non tant en qualité de bailleur que de locataire,le lotissement,l’expertise,la revente,le courtage,la promotion,de tout biens immobiliers et en général de quelque nature,situés en Belgique ou à l'étranger.
- Consentir tous prêts,crédits et avances,sous quelques formes que ce soit et pour quelques durées que ce soit,à toutes entreprises affiliées ou dans laquelle la société possède une participation ;
- Se voir octroyer,sous quelque forme que ce soit et pour quelque durée que ce soit,tous prêts,crédits et avances par toute personne physique ou morale dans le cadre de ses activités.
- Donner caution,aval ou toutes garanties généralement quelconques,tant pour ses propres engagements que pour les engagements de tiers,entre autres en donnant ses biens en hypothèque ou en gage,y compris son fonds de commerce.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Carl Requettelaan 7 registered office 1080 Molenbeek-Saint-Jean 4291101 Civil engineering | 05-06-2024 | 2.361.438.571 |
Buildings and parcels at the address
- Ground area
- 1,297 m²
- Buildings
- 781 m²
- Volume, LiDAR
- 13,353 m³
- Tallest building
- 21.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21524C0176/00M002 | 1,297 m² | 1 · 781 m² | 21.9 m · 6 |
Invoicing and payment
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 1010.057.535