Skip to content

SEVINA

Active
Private limited companyfounded 20224 yrs activeKerkhoekstraat 2, 9150 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 0782.533.048
Summary

The computed 12-month bankruptcy probability of SEVINA is 7.8% (elevated). The 2025 annual accounts show equity of €36,354 and a net result of -€19,636. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 22% of 8982 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
SEVINAActiveChecked score 32/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€230,363total assets 2025
Equity
€36,354
Loss
-€19,636
Turnover not published (abridged schema)
Financial health
32 Weak Checked score 2025
Bankruptcy chance 12 m
7.8%
Structure
Accounts filed 104 d late0 of 1 deed read
Why 32- Sector Construction of residential and non-residential buildings (NACE 41)- Latest accounts 105 days late; 2 of the last 3 late- Founded in 2022- Size: total assets €230,363Show the evidence

Checked score

Score 2025
32 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 15% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 41-21
equity 15.8% of total assets
Liquidity 10-20
short-term debt 84.2% · cash 5.4%
Profitability 8-86
return on assets -8.5%
Bankruptcy probability, 12 months
7.8% Elevated
0%0.5%1.5%4%10%≥ 25%

About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,211 companies)
Last 24 months 11-2024: 4.1%lowest value 12-2024: 4.2%▲ +1.3% vs 11-2024 01-2025: 4.3%▲ +2.2% vs 12-2024 02-2025: 4.9%▲ +14.8% vs 01-2025 03-2025: 5.3%▲ +8.6% vs 02-2025 04-2025: 5.0%▼ -5.1% vs 03-2025 05-2025: 5.0%● 0.0% vs 04-2025 06-2025: 5.1%▲ +0.8% vs 05-2025 07-2025: 5.0%▼ -1.8% vs 06-2025 08-2025: 5.0%● 0.0% vs 07-2025 09-2025: 5.0%▼ -0.4% vs 08-2025 10-2025: 5.1%▲ +2.3% vs 09-2025 11-2025: 4.6%▼ -9.8% vs 10-2025 12-2025: 4.6%▲ +1.0% vs 11-2025 01-2026: 4.7%▲ +0.8% vs 12-2025 02-2026: 5.3%▲ +13.9% vs 01-2026 03-2026: 5.4%▲ +1.8% vs 02-2026 04-2026: 5.9%▲ +8.3% vs 03-2026 05-2026: 5.9%▲ +0.9% vs 04-2026 06-2026: 7.5%▲ +26.9% vs 05-2026 07-2026: 7.4%▼ -1.5% vs 06-2026 08-2026: 7.5%▲ +2.2% vs 07-2026 09-2026: 7.5%● 0.0% vs 08-2026 10-2026: 7.8%▲ +3.1% vs 09-2026highest value
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Latest accounts 105 days late; 2 of the last 3 late raises the probability
  • Founded in 2022 raises the probability for this profile
  • Size: total assets €230,363 raises the probability for this profile
Credit up to €1,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.08 against 1.27 in 2024; short-term debt: 84.2% and cash: 5.4% of total assets), and 84.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 23%, liquidity 9%, profitability 13%, growth against the median 14%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Latest accounts 105 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Founded in 2022
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Size: total assets €230,363
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 8982 sector peers (2025).
NBB · sector comparison
Position among 8982 sector peers
Solvency
better than 22%
← weakest strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-05-2026, 104 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filings
Deviation from the deadline
2025
104 d late
2024
59 d late
2023
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 54 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 31 March (3 of the last 3 filed years within 59 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close04-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet -€19,636
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Caution: Among the weakest 9% on net resultsector median €8,440 · 8,974 companies -€19,636 View
  • Caution: Latest accounts filed lateafter the legal deadline 104 d View
  • Total assets 20253 fiscal years filed €230,363 View

By topic

Financials

Fiscal year
2025
Total assets
€230,363
Loss
-€19,636
Solvency
15.8%
Go to Financials

Timeline

Events
5
Since
2024
Next accounts
by 31-01-2027
  1. 15-05-2026Annual accounts filed
  2. 30-06-2025Weakest financial year
  3. 31-03-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
23-02-2022
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure