Financials
- Fiscal year
- 2025
- Total assets
- €97,004
- Loss
- -€405
- Solvency
- 29.7%
Total assets▼ 17.1%
Net result
20182025
SF AMENAGEMENTS
ActiveSummary
SF AMENAGEMENTS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28,830 and a net result of -€405. Equity is shrinking by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 31% of 32341 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Site preparation
NACE 43120
1 site
Size
€97,004total assets 2025
- Equity
- €28,830
- Loss
- -€405
Turnover not published (abridged schema)
Structure
Accounts 64 d early0 of 1 deed read
Why 86- Sector Specialised construction activities (NACE 43)+ Founded in 2009+ Liquidity: current ratio 0.78, cash €21,344+ Size: total assets €97,004Show the evidence
Checked score
Score 2025
86
/ 100
Excellent
Probability in this band: under 0.55%
Better than 38% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
55+5
equity 29.7% of total assets
Liquidity
58+18
short-term debt 41.8% · cash 22.0%
Profitability
68+54
return on assets -0.4%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.3%
12-2024: 0.3%● 0.0% vs 11-2024
01-2025: 0.3%▼ -1.2% vs 12-2024
02-2025: 0.3%● 0.0% vs 01-2025
03-2025: 0.3%● 0.0% vs 02-2025
04-2025: 0.4%▲ +11.8% vs 03-2025
05-2025: 0.4%▼ -2.1% vs 04-2025
06-2025: 0.4%▼ -2.4% vs 05-2025
07-2025: 0.5%▲ +30.7% vs 06-2025
08-2025: 0.8%▲ +74.8% vs 07-2025
09-2025: 0.8%● 0.0% vs 08-2025
10-2025: 0.8%● 0.0% vs 09-2025
11-2025: 0.8%● 0.0% vs 10-2025
12-2025: 0.8%● 0.0% vs 11-2025
01-2026: 0.8%▼ -1.1% vs 12-2025
02-2026: 0.8%▼ -0.4% vs 01-2026
03-2026: 0.8%● 0.0% vs 02-2026
04-2026: 0.9%▲ +9.6% vs 03-2026highest value
05-2026: 0.9%▼ -2.9% vs 04-2026
06-2026: 0.8%▼ -2.3% vs 05-2026
07-2026: 0.2%▼ -73.4% vs 06-2026lowest value
08-2026: 0.2%● 0.0% vs 07-2026lowest value
09-2026: 0.2%● 0.0% vs 08-2026lowest value
10-2026: 0.2%● 0.0% vs 09-2026lowest value
- Founded in 2009 lowers the probability for this profile
- Sector Specialised construction activities (NACE 43) raises the probability
- Liquidity: current ratio 0.78, cash €21,344 lowers the probability
- Size: total assets €97,004 lowers the probability for this profile
Credit up to €2,000 at 30 days acceptable
Liquidity short (current ratio 0.78 against 0.6 in 2024; short-term debt: 41.8% and cash: 22% of total assets), and 70.3% 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 43, micro). Better than this share of them on solvency 31%, liquidity 55%, profitability 34%, growth against the median 32%. 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
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€405
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 28-05-2026, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
29 d early
2023
22 d late
2022
25 d late
2021
30 d late
2020
30 d late
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 15 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 23 August (4 of the last 5 filed years within 52 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Weakest financial yearnet -€24,005
Key points
By topic
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 28-05-2026Annual accounts filed
- 02-07-2025Annual accounts filed
- 31-12-2024Weakest financial year
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Site preparationNACE 43120
- Founded
- 27-01-2009
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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