SENIOR CONSTRUCT
ActiveThe annual accounts of SENIOR CONSTRUCT for fiscal year 2025 show a net loss of 64% of the equity at the start of that year. The 2025 annual accounts show equity of €17k and a net result of €-29k. Equity is growing by ~20% per year across the filed fiscal years. Its solvency ranks better than 17% of 7431 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-61
Solvency33▼-12
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.94 against 1.24 in 2024; short-term debt: 55.2% and cash: 1.4% of total assets), and 91.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
8.3%
Return on assets
-14.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7431 sector peers (2025).
NBB · sector comparisonPosition among 7431 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
31 d late
2024
22 d late
2023
29 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
91 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▼ 63.9%
2024 · €46k
2018: €13k
2019: €16k
2020: €26k
2021: €28k
2022: €35k
2023: €43k
2024: €46k
2018 → 2025
Total assets
€200k▼ 14.3%
2024 · €233k
2018: €67k
2019: €82k
2020: €117k
2021: €178k
2022: €173k
2023: €232k
2024: €233k
2018 → 2025
Net result
€-29k
2024 · €4k
2018: €-2k
2019: €3k
2020: €10k
2021: €2k
2022: €7k
2023: €7k
2024: €4k
2018 → 2025
Working capital
€-6k
2024 · €33k
2018: €6k
2019: €7k
2020: €15k
2021: €13k
2022: €28k
2023: €44k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€35k▲ 24.5%€43k▲ 20.6%€46k▲ 8.4%€17k▼ 63.9%
Operating result€3k-€10k▲ 211%€11k▲ 11.4%€8k▼ 21.9%€-17k
Net result€2k-€7k▲ 208%€7k▲ 4.4%€4k▼ 51.0%€-29k
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 2025: a loss of €17k after €8k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €200k
Fixed assets
€96k▲ 60.3%
Current assets
€104k▼ 39.9%
Equity and liabilities €200k
Equity
€17k▼ 63.9%
Debt
€183k▼ 2.1%
The debt ratio rises from 80.2% to 91.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€14k▼
2024 · €31k
Cash flow
€1k▼
2024 · €26k
Solvency
8.3%▼
2024 · 19.8%
Current ratio
0.94▼
2024 · 1.24
Quick ratio
0.73▼
2024 · 0.89
Debt / equity
10.98▲
2024 · 4.05
ROE
-176.7%▼
2024 · 7.7%
ROA
-14.7%▼
2024 · 1.5%
Interest coverage
1.12▼
2024 · 9.83
Debt
€183k▼
2024 · €187k
Debt ≤ 1 year
€110k▼
2024 · €140k
Debt > 1 year
€73k▲
2024 · €47k
Income taxes
€186▼
2024 · €2k
Staff costs
€186k▲
2024 · €124k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€233k€200k▼
Fixed assets21/28€60k€96k▲
Tangible fixed assets22/27€60k€96k▲
Plant, machinery and equipment23€7k€7k▼
Furniture and vehicles24€53k€89k▲
Current assets29/58€174k€104k▼
Stocks and contracts in progress3€49k€24k▼
Contracts in progress37€49k€24k▼
Amounts receivable within one year40/41€93k€71k▼
Trade receivables40€82k€58k▼
Other amounts receivable41€11k€13k▲
Cash at bank and in hand54/58€27k€3k▼
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€233k€200k▼
Equity10/15€46k€17k▼
Contributions10/11€16k€16k=
Profit (loss) carried forward14€31k€1k▼
Amounts payable17/49€187k€183k▼
Amounts payable after more than one year17€47k€73k▲
Financial debts170/4€47k€73k▲
Amounts payable within one year42/48€140k€110k▼
Current portion of amounts payable after more than one year42€21k€33k▲
Trade debts44€24k€24k▲
Suppliers440/4€24k€24k▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€286€286=
Remuneration and social security454/9€3k€3k▼
Other amounts payable47/48€92k€50k▼
Accrued charges and deferred income492/3-€60
Income statement
Code20242025
Remuneration, social security and pensions62€124k€186k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€31k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€159k€202k▲
Operating profit (loss)9901€8k€-17k▼
Financial income75/76B€145€1▼
Recurring financial income75€145€1▼
Financial charges65/66B€3k€12k▲
Recurring financial charges65€3k€12k▲
Profit (loss) for the period before taxes9903€5k€-29k▼
Income taxes67/77€2k€186▼
Profit (loss) for the period9904€4k€-29k▼
Profit (loss) for the period to be appropriated9905€4k€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€1k▼
Profit (loss) brought forward from the previous period14P€27k€31k▲
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-29k ▼927%
Net result drops to €-29k, the lowest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €10k ▲296%
Operating result €14k, net result €10k, both a record.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 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, Mons · 1 establishment unit since 2017
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 Emile Jambe 697021 MonsGround area
454 m²
Building footprint
49 m²
Volume, LiDAR
478 m³
Parcel 53038B0663/00T000, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Senior Construct
since 20172.269.683.105
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53038B0663/00T000 | Wallonia | 454 m² | 1 · 49 m² | 11.7 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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MLT Invest
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APOLLO CONSTRUCT
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 11,020 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2017
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:direction.snrc@gmail.com
Phone:0494/084689