Turnover
≈ €240,000 estimated
The micro format states no turnover.
SERGIO CONCEPT
Lifetime
4 annual accounts with figures on one time axispeak €34,724 (2025)
€34,724▲ 25.3%
lowest -€9,783 (2023)
€5,028▼ 81.1%
peak €27,643 (2025)
€27,643▲ 22.2%
€6,386▼ 74.9%
Board1 name since 2022
1 directorSTOIAN Emilian
Documentsfilings and deeds
29-05-202663 days before the deadline
2025micro format
Gross margin from €27,714 to €34,724Result from €26,651 to €5,028Equity from €22,615 to €27,643Debts from €25,453 to €6,386
Key points
from the 2025 annual accountsLiquidity
5.38 was 1.88 in 2024
Short-term debts fell from €25,453 to €6,308.
Filings
4 annual accounts 3 late
The 2023 accounts came latest: 61 days after the end of the period.
Starting capital
€18,000 100 shares
At the same address
495 companies
Position in the sector
81.2%
Higher solvency than 89% of companies in construction of buildings. Sector median 42.9% · 9,471 companies.
Checked score
51
Fair
Financially stronger than 63% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 7.6%
01-2025: 7.6%● unchanged vs 12-2024
02-2025: 7.6%● unchanged vs 01-2025
03-2025: 7.4%▼ -0.2 percentage points vs 02-2025
04-2025: 7.4%● unchanged vs 03-2025
05-2025: 7.4%● unchanged vs 04-2025
06-2025: 7.4%● unchanged vs 05-2025
07-2025: 7.4%● unchanged vs 06-2025
08-2025: 8.0%▲ +0.6 percentage points vs 07-2025
09-2025: 8.1%▲ +0.1 percentage points vs 08-2025highest value
10-2025: 6.9%▼ -1.2 percentage points vs 09-2025
11-2025: 6.9%● unchanged vs 10-2025
12-2025: 6.9%● unchanged vs 11-2025
01-2026: 6.9%● unchanged vs 12-2025
02-2026: 6.9%● unchanged vs 01-2026
03-2026: 6.4%▼ -0.5 percentage points vs 02-2026
04-2026: 6.3%▼ -0.1 percentage points vs 03-2026
05-2026: 6.4%▲ +0.1 percentage points vs 04-2026
06-2026: 3.4%▼ -3.0 percentage points vs 05-2026
07-2026: 3.2%▼ -0.2 percentage points vs 06-2026lowest value
08-2026: 3.2%● unchanged vs 07-2026lowest value
09-2026: 3.2%● unchanged vs 08-2026lowest value
10-2026: 3.3%▲ +0.1 percentage points vs 09-2026
11-2026: 3.3%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: total assets €34,029
Founded in 2022
lowers risk
Equity €27,643 (81.2% 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, 44% on liquidity, 51% on profitability and 66% 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, 39,278 companies had the same profile as SERGIO CONCEPT has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SERGIO CONCEPT itself is higher: 3.3% within 12 months. It rests on far more data about SERGIO CONCEPT than the profile alone.
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 39,278 companies, not a prediction for SERGIO CONCEPT. 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 5.38 (1.88 in 2024), above the usual 1.5. Short-term debt is 18.5% and cash 0.5% of total assets. 18.8% 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 31-12-2025 was due by 31-07-2026 and was filed on 29-05-2026, 63 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
63 days early
2024
55 days late
2023
61 days late
2022
60 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 28 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 September (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- MIHAI Serghei actief partnerdeed of 28-11-2022
- STOIAN Emilian directordeed of 28-11-2022
- ILIE Claudiu-Valentin 5 sharesdeed of 28-11-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0788529331
Transfer of 5 shares from STOIAN Emilian to MIHAI Serghei
Partner: MIHAI Serghei (actief partner) · STOIAN Emilian holds 65 shares · ILIE Claudiu-Valentin holds 5 shares · General meeting of 02-11-2022 · Gazette deed
Incorporation
Founding capital of €18,000, 100 shares, €2,000 paid up · Founder: STOIAN Emilian (comparant) · Appointment: STOIAN Emilian (director) · published on 15-07-2022 · Gazette deed
First establishment
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SERGIO CONCEPT Dilbeek | €34,029 | €34,724 | 81.2% | - |
| WE-GROUP Halle | €38,250 | €32,349 | 58.7% | - |
| AP Project Asse | €29,669 | €30,077 | 55.8% | - |
| DIP.S Zaventem | €41,958 | €35,628 | 28.0% | - |
| RIFACTOR Drogenbos | €39,242 | €31,533 | 68.0% | - |
| NEW INVIDIA Drogenbos | €27,465 | €30,253 | -55.4% | - |
| MC BOUW&BETONWERKEN Maasmechelen | €37,470 | €38,122 | 48.2% | - |
These companies have the same main activity as SERGIO CONCEPT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €27,500 and €42,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 13-07-2022Normal situation
- Registered office
- 496 active companies are registered at this address88 started in the 12 months before. Source: KBO register, as of 11 November 2026.
- Activity
- General construction of residential buildingsNACE 41001
- Establishment unit
- 2.333.871.369since 13-07-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 17-04-2026
Annual accounts 2025
- €34,029▼ 29.2%
- Filing
- Filed on 29-05-2026, 63 days before the end of the filing period
Insights on SERGIO CONCEPT
SERGIO CONCEPT files the micro format. That format states no turnover. The gross margin rose from €8,347 in 2022 to €34,724 in 2025.
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 SERGIO CONCEPT
- What is the company number of SERGIO CONCEPT?
- The company number of SERGIO CONCEPT is 0788.529.331. The VAT number is the same number with BE in front: BE 0788.529.331.
- Where is SERGIO CONCEPT based?
- The registered office is at Oudesmidsestraat 20, 1700 Dilbeek.Company details
- What does SERGIO CONCEPT do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of SERGIO CONCEPT?
- SERGIO CONCEPT is a private limited company (BV).
- When was SERGIO CONCEPT founded?
- SERGIO CONCEPT was founded on 13-07-2022.
- Is SERGIO CONCEPT still active?
- Yes, SERGIO CONCEPT is an active enterprise in the KBO register.
- What is the turnover of SERGIO CONCEPT?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €34,724 and 164 comparable companies (NACE 41001). It probably lies between €130,000 and €440,000.Financials
- Is SERGIO CONCEPT profitable?
- In financial year 2025, SERGIO CONCEPT made a profit of €5,028.
- Where can I find the annual accounts of SERGIO CONCEPT?
- SERGIO CONCEPT filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SERGIO CONCEPT due?
- SERGIO CONCEPT must file the annual accounts for financial year 2026 by 31-07-2027.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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