Overdue debts
€2,012 on 31-05-2026
The annual accounts state €2,012 of overdue tax debts on 31-05-2026.
SBCA
Lifetime
7 annual accounts with figures on one time axispeak €19,783 (2025)
€6,958▼ 64.8%
peak €14,187 (2022)
€2,886▼ 75.5%
peak €31,693 (2023)
€19,630▲ 17.2%
€3,620▼ 63.5%
Board1 name since 2019
1 directorSERDARU Bogdan-George
Documentsfilings and deeds
05-11-202656 days before the deadline
2026micro format
Gross margin from €19,783 to €6,958Result from €11,804 to €2,886Equity from €16,744 to €19,630Debts from €9,906 to €3,620Cash from €9,962 to €5,645
Key points
from the 2026 annual accountsEquity
€19,630 ▲ 17.2%
SBCA has made a profit in every financial year since 2020.
Turnover
≈ €84,000 estimated
The micro format states no turnover.
Liquidity
6.11 was 2.34 in 2025
Short-term debts fell from €9,906 to €3,620.
Filings
7 annual accounts 2 late
The 2022 accounts came latest: 193 days after the end of the period.
Position in the sector
84.4%
Higher solvency than 89% of companies in construction of buildings. Sector median 52.4% · 347 companies.
Checked score
72
Healthy
Financially stronger than 75% of micro companies in construction of buildings (NACE 41)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.2%
01-2025: 2.3%▲ +0.1 percentage points vs 12-2024highest value
02-2025: 2.2%▼ -0.1 percentage points vs 01-2025
03-2025: 2.2%● unchanged vs 02-2025
04-2025: 2.2%● unchanged vs 03-2025
05-2025: 2.2%● unchanged vs 04-2025
06-2025: 2.1%▼ -0.1 percentage points vs 05-2025
07-2025: 2.2%▲ +0.1 percentage points vs 06-2025
08-2025: 2.3%▲ +0.1 percentage points vs 07-2025
09-2025: 1.9%▼ -0.4 percentage points vs 08-2025
10-2025: 1.9%● unchanged vs 09-2025
11-2025: 1.9%● unchanged vs 10-2025
12-2025: 2.0%▲ +0.1 percentage points vs 11-2025
01-2026: 0.7%▼ -1.3 percentage points vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.7%● unchanged vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026
07-2026: 0.7%● unchanged vs 06-2026
08-2026: 0.7%● unchanged vs 07-2026
09-2026: 0.8%▲ +0.1 percentage points vs 08-2026
10-2026: 0.8%● unchanged vs 09-2026
11-2026: 0.6%▼ -0.2 percentage points vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Size: total assets €23,250
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Liquidity: current ratio 6.11, cash €5,645
Equity €19,630 (84.4% of total assets)
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 92% of them on solvency, 80% on liquidity, 67% on profitability and 62% 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 31-05-2026.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 26,972 companies had the same profile as SBCA has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SBCA itself: 0.6% within 12 months.
Test of the method
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 26,972 companies, not a prediction for SBCA. 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 €1,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.11 (2.34 in 2025), above the usual 1.5. Short-term debt is 15.6% and cash 24.3% of total assets. 15.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-05-2026 was due by 31-12-2026 and was filed on 05-11-2026, 56 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2026
56 days early
2025
5 days early
2024
19 days early
2023
18 days early
2022
193 days late
2021
47 days late
2020
20 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 17 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.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-05-2027 and is due by 31-12-2027. Nothing is late today. The company usually files around 13 December (4 of the last 5 accounts filed within 38 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-05-2027 year end31-12-2027 deadline
Board and ownership
- SERDARU Bogdan-George founderdeed of 18-06-2019
- AMARIE Constantin founderdeed of 18-06-2019
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0728486232
Incorporation
Founders: SERDARU Bogdan-George and AMARIE Constantin · 200 shares · Appointment: SERDARU Bogdan-George (director) · published on 18-06-2019 · Gazette deed
First establishment
Portugeesstraat 14, Affligem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SBCA Affligem | €23,250 | €6,958 | 84.4% | - |
| AITELEC Sint-Pieters-Leeuw | €21,787 | €8,198 | 35.7% | - |
| KURIOSA Auderghem | €25,575 | €7,054 | 84.2% | - |
| HDB Construct Oostkamp | €24,353 | €8,102 | 36.7% | - |
| SAPO RENOVATIE Bruges | €19,691 | €6,757 | 23.2% | - |
| De Woningkoning Lier | €19,659 | €7,540 | 51.1% | - |
| WINCOS Asse | €19,231 | €6,179 | 94.0% | - |
These companies have the same main activity as SBCA: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €19,200 and €25,600, founded between 2018 and 2020.
Official details
Source: KBO- Status
- Active since 14-06-2019Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 4 others
- Establishment unit
- 2.290.110.7111790 Affligem, since 14-06-2019
- Financial year end
- 31 May
- Peppol
- Reachable since 23-02-2026
Annual accounts to 31-05-2026
- €23,250▼ 12.8%
- Filing
- Filed on 05-11-2026, 56 days before the end of the filing period
Insights on SBCA
SBCA files the micro format. That format states no turnover. The gross margin rose from €1,460 in 2020 to €6,958 in 2026.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SBCA
- What is the company number of SBCA?
- The company number of SBCA is 0728.486.232. The VAT number is the same number with BE in front: BE 0728.486.232.
- Where is SBCA based?
- The registered office is at Portugeesstraat 14, 1790 Affligem.Company details
- What does SBCA do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of SBCA?
- SBCA is a private limited company (BV).
- When was SBCA founded?
- SBCA was founded on 14-06-2019.
- Is SBCA still active?
- Yes, SBCA is an active enterprise in the KBO register.
- What is the turnover of SBCA?
- The turnover in financial year 2026 is ≈ €84,000. This figure is estimated from the gross margin of €6,958 and 263 comparable companies (NACE 41001). It probably lies between €43,000 and €150,000. It is a rough estimate. In financial year 2021 turnover was €95,282.Financials
- Is SBCA profitable?
- In financial year 2026, SBCA made a profit of €2,886.
- Where can I find the annual accounts of SBCA?
- SBCA filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of SBCA due?
- SBCA must file the annual accounts for financial year 2027 by 31-12-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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