SIEBO-CONSTRUCT
ActiveSIEBO-CONSTRUCT has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €208k and a net result of €8k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 27619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+5
Solvency100=
Growth46=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 7.63 against 6.59 in 2024; short-term debt: 11.8% and cash: 7.5% of total assets), and 13.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
86.5%
Return on assets
3.4%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
7 d early
2022
7 d early
2021
12 d early
2020
4 d early
2019
3 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€216k▼ 8.6%
2020 · €236k
2019: €214k
2020: €236k
2019 → 2021
EBIT margin
27.6%▲ 13.8pp
2020 · 13.8%
2019: 4.1%
2020: 13.8%
2019 → 2021
Net result
€8k
2024 · €-2k
2018: €26k
2019: €-7k
2020: €27k
2021: €53k
2022: €-27k
2023: €66k
2024: €-2k
2018 → 2025
Working capital
€188k▲ 5.4%
2024 · €179k
2018: €85k
2019: €77k
2020: €118k
2021: €168k
2022: €119k
2023: €209k
2024: €179k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€216k-
Equity€163k-€136k▼ 16.5%€202k▲ 48.6%€200k▼ 1.0%€208k▲ 4.1%
Operating result€60k-€-18k€85k€12k▼ 86.0%€12k▲ 4.5%
Net result€53k-€-27k€66k€-2k€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241k
Fixed assets
€24k▼ 44.6%
Current assets
€217k▲ 2.8%
Equity and liabilities €241k
Equity
€208k▲ 4.1%
Debt
€32k▼ 40.1%
The debt ratio falls from 21.3% to 13.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€43k▲
2024 · €42k
Cash flow
€39k▲
2024 · €28k
Solvency
86.5%▲
2024 · 78.7%
Current ratio
7.63▲
2024 · 6.59
Quick ratio
7.60▲
2024 · 6.57
Debt / equity
0.16▼
2024 · 0.27
ROE
3.9%▲
2024 · -1.0%
ROA
3.4%▲
2024 · -0.8%
Interest coverage
23.14▲
2024 · 14.98
Debt
€32k▼
2024 · €54k
Debt ≤ 1 year
€28k▼
2024 · €32k
Debt > 1 year
€4k▼
2024 · €22k
Income taxes
€2k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€254k€241k▼
Fixed assets21/28€44k€24k▼
Tangible fixed assets22/27€44k€24k▼
Plant, machinery and equipment23€12k€12k▼
Furniture and vehicles24€32k€13k▼
Current assets29/58€211k€217k▲
Stocks and contracts in progress3€455€630▲
Stocks30/36€455€630▲
Amounts receivable within one year40/41€198k€195k▼
Trade receivables40€2k€4k▲
Other amounts receivable41€197k€191k▼
Cash at bank and in hand54/58€10k€18k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€254k€241k▼
Equity10/15€200k€208k▲
Contributions10/11€22k€22k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€176k€184k▲
Amounts payable17/49€54k€32k▼
Amounts payable after more than one year17€22k€4k▼
Financial debts170/4€22k€4k▼
Amounts payable within one year42/48€32k€28k▼
Current portion of amounts payable after more than one year42€19k€18k▼
Trade debts44€955€691▼
Suppliers440/4€955€691▼
Taxes, remuneration and social security45€90-
Taxes450/3€90-
Other amounts payable47/48€12k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€31k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€44k€45k▲
Operating profit (loss)9901€12k€12k▲
Financial income75/76B€1k€1▼
Recurring financial income75€1€1▲
Non-recurring financial income76B€1k-
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€10k€11k▲
Income taxes67/77€12k€2k▼
Profit (loss) for the period9904€-2k€8k▲
Profit (loss) for the period to be appropriated9905€-2k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€176k€184k▲
Profit (loss) brought forward from the previous period14P€178k€176k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €66k
Net result €66k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 6.30
Current ratio from 2.85 to 6.30; short-term debt falls from €64k to €39k.
31-12
Financial
Equity above €200kEq €202k ▲48.6%
Equity rises from €136k to €202k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-27k ▼151%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €163k ▲48%
2 profitable years in a row build equity to €163k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 9.76
Current ratio from 2.64 to 9.76; short-term debt falls from €47k to €13k.
31-12
Financial
Equity above €100kEq €110k ▲32.4%
Equity rises from €83k to €110k.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Wuustwezel · 1 establishment unit since 1995
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Eikendreef 602990 WuustwezelGround area
1,733 m²
Building footprint
224 m²
Parcel 11682G0466/02P000, Flanders. Linked by address, not a title deed.
1 establishment unit
SIEBO-CONSTRUCT
since 19952.073.464.872
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11682G0466/02P000 | Flanders | 1,733 m² | 1 · 224 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 183 EUR awarded · 183 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 183 EUR | 183 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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JPL CONSTRUCTIONS
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ECO CONSTRUCT ILIE
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NOVAN
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Bilzen-Hoeselt · Eq €209k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,421. 5,799 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-1995
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
29202Manufacture of motor vehicles, trailers and semi-trailers
43230Insulation installation
43291Specialised construction activities
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45310
46720Wholesale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.