Equity
€18,189 ▲ 17.2%
SGVB has made a profit in every financial year since 2023.
SGVB
Overview
Lifetime
3 annual accounts with figures on one time axispeak €13,498 (2023)
€7,787▼ 31.2%
peak €8,745 (2023)
€2,664▼ 53.9%
peak €18,189 (2025)
€18,189▲ 17.2%
€2,641▼ 62.0%
Board1 name since 2023
1 directorSTANILOIU Gheorghe Victor
Documentsfilings and deeds
31-07-2026on the last day
2025micro format
Gross margin from €11,312 to €7,787Result from €5,780 to €2,664Equity from €15,525 to €18,189Debts from €6,943 to €2,641Cash from €20 to €504
Key points
from the 2025 annual accountsTurnover
≈ €94,000 estimated
The micro format states no turnover.
Liquidity
6.69 was 2.58 in 2024
Short-term debts fell from €6,943 to €2,641.
Filings
3 annual accounts 2 late
The 2023 accounts came latest: 114 days after the end of the period.
At the same address
20 companies
Position in the sector
87.3%
Higher solvency than 93% of companies in construction of buildings. Sector median 42.9% · 9,456 companies.
Checked score
52
Fair
Financially stronger than 69% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.4% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 5.0%
01-2025: 3.4%▼ -1.6 percentage points vs 12-2024
02-2025: 3.3%▼ -0.1 percentage points vs 01-2025lowest value
03-2025: 3.3%● unchanged vs 02-2025
04-2025: 3.4%▲ +0.1 percentage points vs 03-2025
05-2025: 3.4%● unchanged vs 04-2025
06-2025: 3.3%▼ -0.1 percentage points vs 05-2025
07-2025: 3.5%▲ +0.2 percentage points vs 06-2025
08-2025: 3.8%▲ +0.3 percentage points vs 07-2025
09-2025: 4.1%▲ +0.3 percentage points vs 08-2025
10-2025: 6.0%▲ +1.9 percentage points vs 09-2025
11-2025: 6.0%● unchanged vs 10-2025
12-2025: 6.0%● unchanged vs 11-2025
01-2026: 6.0%● unchanged vs 12-2025
02-2026: 6.0%● unchanged vs 01-2026
03-2026: 6.1%▲ +0.1 percentage points vs 02-2026
04-2026: 6.1%● unchanged vs 03-2026highest value
05-2026: 6.1%● unchanged vs 04-2026
06-2026: 6.0%▼ -0.1 percentage points vs 05-2026
07-2026: 5.9%▼ -0.1 percentage points vs 06-2026
08-2026: 3.4%▼ -2.5 percentage points vs 07-2026
09-2026: 3.4%● unchanged vs 08-2026
10-2026: 3.4%● unchanged vs 09-2026
11-2026: 3.4%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: total assets €20,830
lowers risk
Equity €18,189 (87.3% 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, 54% on liquidity, 68% on profitability and 62% on growth.
The bankruptcy probability was computed on 09-11-2026 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 SGVB 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 SGVB itself is higher: 3.4% within 12 months. It rests on far more data about SGVB than the profile alone.
Test of the method
The method was tested on the 497,447 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 SGVB. 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 €500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.69 (2.58 in 2024), above the usual 1.5. Short-term debt is 12.7% and cash 2.4% of total assets. 12.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
58 days late
2023
114 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 57 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 3 accounts filed within 58 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0801384405
First establishment
S.G.V.B SRL, Dr. H. Folletlaan 197, Wemmel
Incorporation
Founding capital of €1,000, 100 shares · Founder: STANILOIU Gheorghe Victor · Appointment: STANILOIU Gheorghe Victor (director) · published on 05-05-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SGVB Wemmel | - | - | 87.3% | - |
| V&E GROUP Wemmel | - | - | 54.9% | - |
| DIG CONSTRUCT Sint-Pieters-Leeuw | €72,603 | 9.3% | 23.4% | - |
| MVA COM Wezembeek-Oppem | €108,381 | 8.8% | 51.9% | - |
| MEGABAT Sint-Pieters-Leeuw | - | - | 62.2% | - |
| FLEXY GROUP Beersel | - | - | 47.3% | - |
| AM TotalServices Sint-Pieters-Leeuw | - | - | 69.6% | - |
These companies have the same main activity as SGVB: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €18,000 and €22,800, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 03-05-2023Normal situation
- Registered office
- 21 active companies are registered at this address2 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- General construction of residential buildingsNACE 41001
- Establishment unit
- 2.345.059.1321780 Wemmel, since 01-07-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 06-01-2026
Annual accounts 2025
- €7,787▼ 31.2%
- €2,664▼ 53.9%
- €18,189▲ 17.2%
- €20,830▼ 7.3%
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on SGVB
SGVB files the micro format. That format states no turnover. The gross margin fell from €13,498 in 2023 to €7,787 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-07-2026, on the day of the deadline€7,787
▼ 31.2%
€4,721
▼ 42.3%
€2,664
▼ 53.9%
€15,026
▲ 36.8%
87.3%
▲ 18.2 percentage points
6.69
▲ 4.11
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €94,000. Estimated: probably between €49,000 and €170,000.
Balance sheet
balance sheet total €20,830 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
87.3%
Higher than 93% of 9,456 companies in 2025.
6.69
Higher than 91% of 9,204 companies in 2025.
12.8%
Higher than 63% of 9,276 companies in 2025.
SGVB
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
20,830 | 22,468 | 16,022 | |
21/28 |
3,163 | 4,538 | - | |
22/27 |
3,163 | 4,538 | - | |
24 |
3,163 | 4,538 | - | |
29/58 |
17,667 | 17,930 | 16,022 | |
40/41 |
16,786 | 17,641 | 13,562 | |
40 |
950 | 4,550 | 4,620 | |
41 |
15,836 | 13,091 | 8,942 | |
54/58 |
504 | 20 | 2,266 | |
490/1 |
376 | 268 | 194 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
20,830 | 22,468 | 16,022 | |
10/15 |
18,189 | 15,525 | 9,745 | |
10/11 |
1,000 | 1,000 | 1,000 | |
13 |
17,189 | 14,525 | 8,745 | |
133 |
17,189 | 14,525 | 8,745 | |
17/49 |
2,641 | 6,943 | 6,276 | |
42/48 |
2,641 | 6,943 | 6,276 | |
44 |
685 | 346 | 2,546 | |
440/4 |
685 | 346 | 2,546 | |
45 |
1,956 | 6,597 | 3,731 | |
450/3 |
1,956 | 6,597 | 3,731 | |
| Income statement | ||||
9900 |
7,787 | 11,312 | 13,498 | |
62 |
- | 177 | - | |
630 |
1,375 | 962 | 951 | |
640/8 |
1,691 | 1,992 | 348 | |
9901 |
4,721 | 8,181 | 12,199 | |
75/76B |
1 | 682 | 300 | |
75 |
1 | 682 | 300 | |
65/66B |
102 | 217 | 23 | |
65 |
102 | 217 | 23 | |
9903 |
4,620 | 8,646 | 12,476 | |
67/77 |
1,956 | 2,866 | 3,731 | |
9904 |
2,664 | 5,780 | 8,745 | |
9905 |
2,664 | 5,780 | 8,745 | |
| Appropriation of the result | ||||
9906 |
2,664 | 5,780 | 8,745 | |
691/2 |
2,664 | 5,780 | 8,745 | |
6921 |
2,664 | 5,780 | 8,745 | |
| Document | ||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 6,096 | 9,143 | 13,150 | ||
| 4,039 | 6,741 | 9,696 | ||
| 0 | 5,500 | 951 | ||
| 484 | -2,246 | - | ||
| 15,026 | 10,987 | 9,745 | ||
| 87.3% | 69.1% | 60.8% | ||
| 6.69 | 2.58 | 2.55 | ||
| 0.15 | 0.45 | 0.64 | ||
| 14.6% | 37.2% | 89.7% | ||
| 12.8% | 25.7% | 54.6% | ||
| 60.06 | 42.09 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | - | €5,500 | - |
| Intangible fixed assets | - | - | €951 |
| €1,375 | €962 | €951 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on SGVB
The operating result for 2025 is 42% lower than in 2024 and the lowest since 2023. It is the second fall in a row.
Debt's share of the balance-sheet total falls from 30.9% to 12.7%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 05-05-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 31-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Artikel 10. Bestuursorgaan De vennootschap wordt bestuurd door één of meer bestuurders, natuurlijke personen of rechtspersonen, al dan niet…”deed of 05-05-2023
Mandates through the years
1 name, the dashed line is todaySTANILOIU Gheorghe Victor
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- STANILOIU Gheorghe Victor
- Director (not named in the articles), from 03-05-2023 to date
Control
Capital
- Contribution
- €1,000
- Shares
- 100
- Contribution per share
- €10
- Equity per share
- €182 in 2025
- Source
- deed of 05-05-2023
Articles of association
deed of 05-05-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of May at 17:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 05-05-2023 ↗
- STANILOIU Gheorghe Victor 100 shares (100%)
Network & group
No group
SGVB has no parent and no holdings in its annual accounts. STANILOIU Gheorghe Victor is the only director. SGVB shares no director with another company.
At the same address
Dr. H. Folletlaan 197, 1780 Wemmel · 20 other companies| G&G CHÂSSIS
registered office since 30-05-2020 · founded in 2020 · accounts filed late |
total assets €381,198 (2024) 0747.759.934 |
| Solka Construct
registered office since 28-07-2022 · founded in 2022 |
total assets €236,941 (2025) 0788.958.408 |
| G&G Ramen & Deuren
registered office since 14-12-2021 · founded in 2021 |
total assets €206,018 (2025) 0778.623.156 |
| GRG POIENARU
registered office since 13-01-2022 · founded in 2022 |
total assets €177,492 (2025) 0780.411.718 |
| PRO DSC
registered office since 05-02-2024 · founded in 2024 |
total assets €150,564 (2025) 1005.602.463 |
| MGD Construct
registered office since 11-10-2022 · founded in 2022 · accounts filed late |
total assets €143,582 (2024) 0792.289.466 |
| Z-A RENOV
registered office since 02-11-2023 · founded in 2023 |
total assets €109,142 (2025) 1001.879.544 |
| IONITA CONSTRUCT
registered office since 21-12-2022 · founded in 2022 · accounts filed late |
total assets €84,408 (2024) 0795.170.663 |
| MC JURIDIQUE
establishment since 01-12-2025 · founded in 2022 |
total assets €73,053 (2025) 0786.200.242 |
| CBB CONSTRUCT
registered office since 08-11-2019 · founded in 2019 · accounts filed late |
total assets €62,907 (2024) 0737.535.540 |
Timeline
Timeline
8 events since 2023Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · on the deadline day
Registered in the Peppol Directory Reachable for e-invoices through 0208:0801384405
2025
Weakest financial year net €2,664 ▼53.9% The net result drops to €2,664, the lowest from 2023 to 2025.
Liquidity more than doubled current ratio 6.69 The current ratio rises from 2.58 to 6.69. Short-term debt falls from €6,943 to €2,641.
Annual accounts 2024 filed PDFmicro format · 58 days late
2024
Annual accounts 2023 filed PDFmicro format · 114 days late
2023
First establishment S.G.V.B SRL, Dr. H. Folletlaan 197, Wemmel
IncorporationFounding capital of €1,000, 100 shares · Founder: STANILOIU Gheorghe Victor · Appointment: STANILOIU Gheorghe Victor (director) · published on 05-05-20236 points ▸
- Founder, STANILOIU Gheorghe Victor
- Founding capital, €1,000, 100 shares
- 100 shares
- Registered office clause, Avenue Docteur H. Follet 197, 1780 Wemmel
- Board rule, 1
- Director appointment, STANILOIU Gheorghe Victor (director (not named in the articles))
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
SGVB was incorporated on 3 May 2023 as a private limited company by one natural person, with a starting capital of €1,000.12 STANILOIU Gheorghe Victor is director of the company, appointed by deed of 05-05-2023.2 Total assets rose from €16,022 in 2023 to €20,830 in 2025.3
Company details
Identity
- Enterprise number
- 0801.384.405
- VAT number
- BE 0801.384.405
- Peppol ID
- 0208:0801384405
- Other Peppol ID
- 9925:BE0801384405
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 03-05-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of May at 17:00deed of 05-05-2023 (in Dutch)
- Peppol
- Reachable since 06-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SGVB in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 05-05-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 05-05-2023 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
Codes under NACEBEL 2008
41201
General construction of buildings main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Algemeen bouwbedrijf omvattende de oprichting,omvorming,verandering,afwerking en renovatie van gebouwen,het reinigen van gevels en daken,het…”deed of 05-05-2023 (in Dutch)
8 activities
- Algemeen bouwbedrijf omvattende de oprichting,omvorming,verandering,afwerking en renovatie van gebouwen,het reinigen van gevels en daken,het uitvoeren van voegwerken,alle timmer- en schrijnwerk,het plaatsen van wand-,vloer- en dakbedekkingen,stellingbouw,plafonneer-,cementeer- en pleisterwerken,grondwerken,terras- en tuinaanleg,rioleringswerken,draineringswerken,slopingswerken,lood- en zinkwerken evenals het uitbaten van een onderneming voor het plaatsen van afsluitingen en voor warmte- en geluidsisolering,zowel voor de privé als voor de openbare sector en zowel in binnen- als in buitenland
- De vennootschap mag tevens als algemene onderneming de bedrijvigheden coördineren die betrekking hebben op de gehele of gedeeltelijke uitvoering van bouwvoltooïngswerken door onderaannemers
- De groot- en kleinhandel,in- en uitvoer,verwerking,opslag en transport van alle bouwmaterialen,grondstoffen,machines en werktuigen voor de bouwnijverheid waaronder alle installaties en leidingen voor verwarming,verlichting,watervoorziening,sanitair en luchtbehandeling
- Het uitbaten van een studiebureau voor bouwwerken en immobiliën
- Het uitvoeren van alle immobiliënverrichtingen,zoals het aan- en verkopen,huren en verhuren,beheren,promoten,valoriseren en verkavelen van alle onroerende goederen evenals het optreden als makelaar in onroerende goederen met inbegrip van de onroerende leasing
- Het waarnemen en uitoefenen van alle beheers- en bestuursopdrachten en mandaten
- De handel in,de in- en uitvoer evenals het vervoer en het vervaardigen of laten vervaardigen en het ontwikkelen van alle producten,materialen,grondstoffen,werktuigen,machines en toebehoren die verband houden met de bouw- en constructienijverheid evenals de uitrusting van gebouwen en binnenhuisinrichting
- Het ontwerpen,opmaken en uitwerken van alle studies,plannen en projecten aangaande alle bouwactiviteiten
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| S.G.V.B SRL registered office Dr. H. Folletlaan 197, 1780 Wemmel 2511001 Manufacture of metal structures and parts of structures | 01-07-2023 | 2.345.059.132 |
Buildings and parcels at the address
- Ground area
- 199 m²
- Buildings
- 98 m²
- Volume, LiDAR
- 670 m³
- Tallest building
- 11.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 22662B0604/00X000 | 199 m² | 1 · 98 m² | 11.3 m · 2 |
Invoicing 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. Use the enterprise number 0801.384.405