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SFER'INNOV

Active
Private limited companyfounded 2025active for 1 yearBoulevard Sainctelette 39, 7000 Mons, BelgiumKBO/BCE: BE 1023.416.811
Summary

SFER'INNOV has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40,406 and a net result of €37,406. Its solvency ranks better than 84% of 34,946 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Overview

Official details

Source: KBO
Status
Active since 16-05-2025 Normal situation
Registered office
71 active companies are registered at this address 12 started in the 12 months before. Source: KBO register, as of 2 November 2026.
Activity
Bricklaying and masonry work NACE 43910and 4 others
Establishment unit
2.373.766.281 7000 Mons, since 16-05-2025
Financial year end
31 December
Peppol
Reachable since 17-06-2025

Board and ownership

Board

Financial position

70 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.9%
Annual accounts 2025
Gross margin
€46,802
Turnover
≈ €400,000
estimated
Profit
€37,406
Equity
€40,406
Total assets
€51,436
Score breakdownraises riskSize: total assets €51,436Founded in 2025lowers riskLiquidity: current ratio 4.32, cash €9,447Equity €40,406 (78.6% of total assets)Show the evidence

Checked score

Score 2025
70 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 82% of micro companies in specialised construction (NACE 43)
Financial strength
Strong
Solvency 100
equity 78.6% of total assets
Liquidity 66
short-term debt 21.4% · cash 18.4%
Profitability 100
return on assets 72.7%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,674 companies, NACE 43, micro)
Last 24 months 06-2026: 1.9% 07-2026: 1.9%● unchanged vs 06-2026highest value 08-2026: 0.8%▼ -1.1 percentage points vs 07-2026lowest value 09-2026: 0.9%▲ +0.1 percentage points vs 08-2026 10-2026: 0.9%● unchanged vs 09-2026 11-2026: 0.9%● unchanged vs 10-2026
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.32, above the usual 1.5. Short-term debt is 21.4% and cash 18.4% of total assets. 21.4% of the assets are financed with debt and provisions.
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 43, micro). It does better than 90% of them on solvency, 64% on liquidity and 92% on profitability.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Size: total assets €51,436
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Founded in 2025
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Liquidity: current ratio 4.32, cash €9,447
NBB · annual accounts
lowers risk · Equity €40,406 (78.6% of total assets)
NBB · annual accounts
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 08-07-2026, 23 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
23 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2025.
KBO publications

Key points

  • Positive: Higher solvency than 83% of companies in specialised constructionsector median 46.7% · 34,946 companies 78.6% View

Recent changes

  1. · Gazette deed IncorporationStarting capital €3,000 · Appointment: SFERLAZZA Joachim Franco (director) · Permanent representative: SFERLAZZA Joachim Franco
All 2 events

Comparable companies

These companies have the same main activity as SFER'INNOV: bricklaying and masonry work (NACE 43910). They are comparable in size and age: total assets between €42,200 and €62,600, founded between 2024 and 2025.

CompanyTotal assetsGross margin
SFER'INNOV Mons€51,436€46,802
Terra Tech Montigny-le-Tilleul€57,883€41,871
S-V Ichtegem€50,884€45,435
TUCI CONSTRUCTION Mons€47,782€32,484
BZ Connections Lokeren€54,999€55,681
Voegwerken J.V.Z Lille€42,165€38,704
Elastische voegwerken Lozie Vleteren€62,568€52,823
Full comparison

Key facts about SFER'INNOV

What is the company number of SFER'INNOV?
The company number of SFER'INNOV is 1023.416.811. The VAT number is the same number with BE in front: BE 1023.416.811.
Where is SFER'INNOV based?
The registered office is at Boulevard Sainctelette 39, 7000 Mons.Company details
What does SFER'INNOV do?
According to the KBO register, the main activity is bricklaying and masonry work (NACE 43910).
What is the legal form of SFER'INNOV?
The legal form of SFER'INNOV is Private limited company (BV).
When was SFER'INNOV founded?
SFER'INNOV was founded on 16-05-2025.
Is SFER'INNOV still active?
Yes, SFER'INNOV is an active enterprise in the KBO register.
What is the turnover of SFER'INNOV?
The turnover in financial year 2025 is ≈ €400,000. This figure is estimated from the gross margin of €46,802 and 99 comparable companies (NACE 439). It probably lies between €250,000 and €720,000.Financials
Is SFER'INNOV profitable?
In financial year 2025, SFER'INNOV made a profit of €37,406.
Where can I find the annual accounts of SFER'INNOV?
SFER'INNOV filed 1 annual account with the National Bank of Belgium, for financial year 2025.

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