SENIOR CONSTRUCT
ActiveFrom the official registers: KBO 8 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
The computed 12-month bankruptcy probability of SENIOR CONSTRUCT is 4.0% (elevated). The annual accounts of SENIOR CONSTRUCT for financial year 2025 show a net loss of 64% of the equity at the start of that year. The 2025 annual accounts show equity of €16,690 and a net result of -€29,487. Equity is growing by about 20% per year across the filed financial years. Its solvency ranks better than 17% of 9,368 sector peers (NACE 41, financial year 2025). The company has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Official details
KBO- Status
- Active since 14-07-2017 Normal situation
- Legal form
- Private limited company
- Registered office
- Rue Emile Jambe 69, 7021 Mons
- Activity
- General construction of residential buildings NACE 41001and 3 others
- Establishment unit
- 2.269.683.105 7021 Mons, since 14-07-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 17-12-2025
How it is doing
- Bankruptcy probabilitywithin 12 months
- 4.0%
- Gross margin
- €202,137
- ▲ 27.3%
- Turnover
- ≈ €660,000
- estimated
- Loss
- €29,487
- Equity
- €16,690
- ▼ 63.9%
- Total assets
- €200,017
- ▼ 14.3%
- Staff
- 5.7 FTE
- ▲ 29.5%
Why 46raises riskSector: Construction of residential and non-residential buildings (NACE 41)Last filed accounts filed 31 days late; 1 of the last 3 lateLoss of €29,487 (financial year 2025)lowers riskSize: total assets €200,017Show the evidence
Checked score
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 17% on solvency, 19% on liquidity, 13% on profitability and 9% on growth.
The bankruptcy probability was computed on 31-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 38 days after the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
Financials · financial year 2025, micro format
2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00503086.
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 31-08-2026
- Format
- micro format
- Reference
- 2026-00503086
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result turns negative in 2025: a loss of €17,098 after €8,366 in 2024, the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 41, Construction of residential and non-residential buildings: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Peer companies
Historical observationOf the 646 companies that looked in July 2024 the way this one looks now, 7.3% went bankrupt within 24 months and 86.1% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a loss of 10% of the balance sheet or more
A further 0.9% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 4.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 646 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €134,484 | €156,165 | €147,249 | €124,014 | €185,666 | ▲ 49.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,540 | €6,394 | €6,568 | €8,710 | €11,079 | €13,800 | €22,718 | €30,712 | ▲ 35.2% |
| Other operating charges640/8 | - | - | - | €319 | €4,253 | €525 | €3,699 | €2,856 | ▼ 22.8% |
| Gross operating margin9900 | €112,087 | €157,146 | €166,681 | €146,601 | €181,106 | €172,279 | €158,798 | €202,137 | ▲ 27.3% |
| Operating profit (loss)9901 | -€1,453 | €4,457 | €13,952 | €3,089 | €9,608 | €10,705 | €8,366 | -€17,098 | - |
| Financial income75/76B | - | - | - | €2 | - | €2 | €145 | €1 | ▼ 99.3% |
| Recurring financial income75 | - | - | €0 | €2 | - | €2 | €145 | €1 | ▼ 99.3% |
| Financial charges65/66B | - | - | - | €96 | €580 | €1,300 | €3,162 | €12,204 | ▲ 286% |
| Recurring financial charges65 | €657 | €273 | €250 | €96 | €580 | €1,300 | €3,162 | €12,204 | ▲ 286% |
| Profit (loss) for the period before taxes9903 | -€2,110 | €4,184 | €13,702 | €2,995 | €9,028 | €9,407 | €5,349 | -€29,301 | - |
| Income taxes67/77 | - | €1,613 | €3,529 | €738 | €2,071 | €2,141 | €1,786 | €186 | ▼ 89.6% |
| Profit (loss) for the period9904 | -€2,110 | €2,571 | €10,173 | €2,257 | €6,957 | €7,266 | €3,564 | -€29,487 | - |
| Profit (loss) for the period to be appropriated9905 | -€2,110 | €2,571 | €10,173 | €2,257 | €6,957 | €7,266 | €3,564 | -€29,487 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €66,624 | €82,008 | €117,333 | €178,322 | €173,440 | €232,236 | €233,394 | €200,017 | ▼ 14.3% |
| Fixed assets21/28 | €16,932 | €12,640 | €10,819 | €15,683 | €32,889 | €19,089 | €59,664 | €95,664 | ▲ 60.3% |
| Tangible fixed assets22/27 | €16,794 | €12,501 | €10,680 | €15,544 | €32,889 | €19,089 | €59,664 | €95,664 | ▲ 60.3% |
| Plant, machinery and equipment23 | - | - | - | €9,316 | €6,183 | €3,305 | €6,809 | €6,612 | ▼ 2.9% |
| Furniture and vehicles24 | - | - | - | €6,228 | €26,707 | €15,784 | €52,855 | €89,051 | ▲ 68.5% |
| Financial fixed assets28 | €139 | €139 | €139 | €139 | - | - | - | - | - |
| Current assets29/58 | €49,692 | €69,368 | €106,514 | €162,639 | €140,550 | €213,146 | €173,730 | €104,354 | ▼ 39.9% |
| Stocks and contracts in progress3 | €11,173 | €15,815 | - | €34,750 | €9,760 | €37,543 | €49,194 | €23,969 | ▼ 51.3% |
| Contracts in progress37 | - | - | - | €34,750 | €9,760 | €37,543 | €49,194 | €23,969 | ▼ 51.3% |
| Amounts receivable within one year40/41 | €29,254 | €49,535 | €101,719 | €122,956 | €97,249 | €170,300 | €92,987 | €70,889 | ▼ 23.8% |
| Trade receivables40 | - | - | - | €106,312 | €77,607 | €164,657 | €81,633 | €58,274 | ▼ 28.6% |
| Other amounts receivable41 | - | - | - | €16,644 | €19,642 | €5,643 | €11,354 | €12,615 | ▲ 11.1% |
| Cash at bank and in hand54/58 | €8,868 | €1,317 | €3,223 | €4,486 | €30,963 | €4,691 | €26,985 | €2,827 | ▼ 89.5% |
| Deferred charges and accrued income490/1 | - | - | - | €447 | €2,578 | €612 | €4,564 | €6,669 | ▲ 46.1% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €66,624 | €82,008 | €117,333 | €178,322 | €173,440 | €232,236 | €233,394 | €200,017 | ▼ 14.3% |
| Equity10/15 | €13,390 | €15,961 | €26,134 | €28,391 | €35,347 | €42,613 | €46,177 | €16,690 | ▼ 63.9% |
| Contributions10/11 | €15,500 | €15,500 | - | €15,500 | €15,500 | €15,500 | €15,500 | €15,500 | = |
| Contributions outside capital11 | - | - | - | €15,500 | €15,500 | - | - | - | - |
| Other1109/19 | - | - | - | €15,500 | €15,500 | - | - | - | - |
| Profit (loss) carried forward14 | -€2,110 | €461 | €10,634 | €12,891 | €19,847 | €27,113 | €30,677 | €1,190 | ▼ 96.1% |
| Amounts payable17/49 | €53,234 | €66,047 | €91,199 | €149,931 | €138,092 | €189,622 | €187,217 | €183,328 | ▼ 2.1% |
| Amounts payable after more than one year17 | €9,239 | €3,438 | - | - | €25,361 | €16,735 | €46,782 | €72,799 | ▲ 55.6% |
| Financial debts170/4 | - | - | - | - | €25,361 | €16,735 | €46,782 | €72,799 | ▲ 55.6% |
| Amounts payable within one year42/48 | €43,288 | €62,609 | €91,199 | €149,931 | €112,731 | €169,456 | €140,435 | €110,468 | ▼ 21.3% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €8,289 | €8,626 | €20,623 | €32,537 | ▲ 57.8% |
| Trade debts44 | €7,580 | €7,509 | €15,798 | €77,524 | €6,159 | €40,564 | €23,749 | €24,236 | ▲ 2.0% |
| Suppliers440/4 | - | - | - | €77,524 | €6,159 | €40,564 | €23,749 | €24,236 | ▲ 2.0% |
| Taxes, remuneration and social security45 | - | - | - | €1,420 | - | €1,944 | €3,774 | €3,269 | ▼ 13.4% |
| Taxes450/3 | - | - | - | - | - | €1,184 | €286 | €286 | = |
| Remuneration and social security454/9 | - | - | - | €1,420 | - | €760 | €3,489 | €2,983 | ▼ 14.5% |
| Other amounts payable47/48 | - | - | - | €70,987 | €98,283 | €118,321 | €92,289 | €50,426 | ▼ 45.4% |
| Accrued charges and deferred income492/3 | - | - | - | - | - | €3,431 | - | €60 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,110 | €2,571 | €10,173 | €2,257 | €6,957 | €7,266 | €3,564 | -€29,487 | - |
| + Depreciation and write-downs630 | €8,540 | €6,394 | €6,568 | €8,710 | €11,079 | €13,800 | €22,718 | €30,712 | ▲ 35.2% |
| Operating cash flow (approximation) | €6,430 | €8,965 | €16,741 | €10,966 | €18,036 | €21,066 | €26,282 | €1,225 | ▼ 95.3% |
| Investment in fixed assets (approximation) | - | -€2,102 | -€4,746 | -€13,573 | -€28,286 | €0 | -€63,293 | -€66,712 | ▼ 5.4% |
| Change in cash | - | -€7,551 | €1,906 | €1,263 | €26,477 | -€26,272 | €22,294 | -€24,159 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (8)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00503086 | NBB |
| 31-12-2024 | micro format | 22-08-2025 | 2025-00413157 | |
| 31-12-2023 | micro format | 29-08-2024 | 2024-00451642 | |
| 31-12-2022 | micro format | 30-08-2023 | 2023-00412428 | |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20426007 | |
| 31-12-2020 | micro format | 31-08-2021 | 2021-65800306 | |
| 31-12-2019 | micro format | 30-10-2020 | 2020-68700407 | |
| 31-12-2018 | micro format | 26-08-2019 | 2019-58400506 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| TALMAT Scothy |
|
| NOE François-Xavier |
|
How the board is organised
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Nomination administrateurs, avec ou sans limitation de durée, à défaut d'indication mandat sans limitation de durée”“Représentant permanent personne morale administrateur, représentant soumis aux mêmes conditions et responsabilités civiles et pénales”1 more provision on this in the deed
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one.
- No statutory auditor
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Liquidation, pouvoirs les plus étendus conférés par articles 2:87 et suivants CSA”
Articles of association, deed of 24-04-2024
Owners and capital
Owners
Shares according to the articles of association
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, 100”
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Refus agrément héritiers et rachat, cédant peut exiger rachat par opposants”1 more provision on this in the deed
- Share issue ruleHow and by whom new shares can be issued.
- “Jusqu’à ce que l’émission soit entièrement souscrite ou que plus aucun actionnaire ne se prévale de cette faculté, les nouvelles actions à…”
Other provisionsRules from the articles on subjects other than the board, the shares, the purpose and the meetings.
Articles of association, deed of 24-04-2024 (in French)
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
24-04
Gazette deed
Reappointment: TALMAT Scothy (director)Resignation: NOE François-Xavier (director) · Legal-form conversion · Capital6 facts ▸
- General meeting, 12-04-2024
- Legal-form conversion, “Société privée à responsabilité limitée” (deed in French)
- Capital
- Director reappointment, TALMAT Scothy (director)
- Director resignation, NOE François-Xavier (director)
- Registered office clause, “confirmé que le siège sera maintenu, Région Wallonne” (deed in French)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Register details
Who it is
KBO recordWhere it is based
What it does
NACEBEL 2025Invoicing 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, with enterprise number 0678.627.341
Financial year and general meeting
Accounts at the NBBScores and ratios are computed by Checked and are not a credit decision.
Purpose, financial year and meetings according to the articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “L’étude et la réalisation de tous travaux de construction, publics et privés, en qualité d’entrepreneur général ou en sous-traitance, la…”
30 activities
- L’étude et la réalisation de tous travaux de construction, publics et privés, en qualité d’entrepreneur général ou en sous-traitance, la conception et la construction de tous bâtiments, l’étude et la réalisation de décorations tant intérieures qu’extérieures, l’entreprise générale de construction avec ou sans coordination des travaux par sous-traitants
- Terrassement
- Mise en place de fondations y compris battage de pieux
- Démolition
- Pose d’égouts
- Pose de chape
- Montage d’éléments de structures métalliques non fabriqués par l’unité qui exécute les travaux
- Montage et démontage d’échafaudage
- L’exécution de travaux de rejointoiement
- L’installation d’antennes d’immeubles et de paratonnerres
- La mise en œuvre dans des bâtiments neufs ou existants de matériaux d’isolation thermique, matériaux d’isolation acoustique ou anti-vibratile
- Les travaux d’isolation, de canalisation de chauffage ou de réfrigération
- Les travaux d’isolation de chambres froides ou d’entrepôts frigorifiques
- Les travaux d’installation générale
- Le montage de cloisons sèches à base de plâtre, de cloisons mobiles, le revêtement des murs, de plafonds métalliques
- Le montage de portes de garage, de volets, de persiennes, de grillages, de grilles métalliques
- La peinture d’ossature métallique
- Le montage de portes blindées et portes coupe-feux métalliques
- Le nettoyage à la vapeur, le sablage et les activités analogues appliquées aux parties extérieures des bâtiments
- Le nettoyage de bâtiments nouveaux et la remise en état des lieux après travaux
- Les autres travaux d’achèvement et de finition de bâtiments
- Les travaux d’aménagement de jardin, de terrasses, d’espaces verts, de parcs et jardins, la création, l’entretien, la configuration et l’embellissement d’étangs et de pièces d’eau ainsi que le terrassement et l’aménagement des abords et de l’intérieur de ces pièces d’eaux
- L’abattage et l’élagage d’arbres, la création et l’exploitation de pépinières de plants et d’arbustes
- Le commerce de gros ou de détail, sous toutes ses formes, l’importation, l’exportation, le marché intérieur en ce compris l’achat, la vente, de tous produits et/ou marchandises dont le commerce est libre et non réglementé, et ce en vente directe ou à distance (notamment par voie électronique)
- La réalisation d’investissements mobiliers ou immobiliers, tels qu’achat, vente, échange, lotissement, promotion, mise en valeur, restauration, aménagement, construction, transformation, mise en location ou prise en location de tous immeubles, tant en Belgique qu’à l’étranger, ainsi que la constitution de tous droits réels sur lesdits immeubles
- Accomplir toutes opérations commerciales, industrielles, financières, mobilières ou immobilières, se rapportant directement ou indirectement à son objet social ou qui seraient de nature à en faciliter directement ou indirectement, entièrement ou partiellement, la réalisation
- S'intéresser par voie d'apport, de fusion, de souscription ou de toute autre manière dans toutes affaires, entreprises associations ou sociétés ayant un objet identique, analogue ou connexe au sien, ou qui sont de nature à favoriser le développement de son entreprise, à lui procurer des matières premières ou à faciliter l'écoulement de ses produits
- Accepter et exercer un mandat d’administrateur ou de liquidateur dans toutes sociétés, quel que soit son objet social
- Exercer toutes activités d’intermédiaire commercial dans les domaines ci-dessus énumérés et dans tous secteurs dont l’activité n’est pas réglementée à ce jour
- Constituer hypothèque ou toute autre sûreté réelle sur les biens sociaux ou se porter caution
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- SENIOR CONSTRUCT
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région Wallonne, l'organe d'administration a le pouvoir de déplacer le siège”
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Thursday of June at 18:00
Articles of association, deed of 24-04-2024 (in French)
Sites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 53038B0663/00T000 | Wallonia | 454 m² | 1 · 49 m² | 11.7 m · 3 |