SV CONSTRUCT
ActiveSummary
SV CONSTRUCT has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €354,286 and a net result of €130,851. Equity is growing by about 57% per year across the filed financial years. Its solvency ranks better than 51% of 34,718 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
- Staff
- 3 FTE
- Equity
- €354,286
- Profit
- €130,851
Why 88raises riskSector: Specialised construction activities (NACE 43)Founded in 2019lowers riskSize: total assets €747,284Figures for financial year 2025 (filed 02-07-2026)Show the evidence
Checked score
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 51% on solvency, 32% on liquidity, 77% on profitability and 64% on growth.
The bankruptcy probability was computed on 26-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 6 accounts on average 21 days before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- PurposePurpose change
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2020 to 2025, 6 financial years
The operating result falls in 2025; 2025 is 17% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 43, Specialised construction activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Peer companies
Historical observationOf the 26,974 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 94.8% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,974 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €20,000 | - | - | - | - |
| Remuneration, social security and pensions62 | - | €54,771 | €77,727 | €83,994 | €120,383 | €131,907 | ▲ 9.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €56,805 | €24,713 | €22,929 | €17,760 | €19,986 | €23,971 | ▲ 19.9% |
| Other operating charges640/8 | - | €3,904 | €3,147 | €4,552 | €9,712 | €4,686 | ▼ 51.7% |
| Gross operating margin9900 | €190,519 | €104,357 | €120,321 | €220,649 | €391,443 | €360,792 | ▼ 7.8% |
| Operating profit (loss)9901 | €69,482 | €20,968 | €16,518 | €114,343 | €241,362 | €200,228 | ▼ 17.0% |
| Financial income75/76B | - | €1,195 | €3,359 | €3,759 | €4,267 | €5,306 | ▲ 24.4% |
| Recurring financial income75 | €1,032 | €1,195 | €3,359 | €3,759 | €4,267 | €5,306 | ▲ 24.4% |
| Financial charges65/66B | - | €5,261 | €4,762 | €4,697 | €7,973 | €14,736 | ▲ 84.8% |
| Recurring financial charges65 | €4,116 | €5,261 | €4,762 | €4,697 | €7,973 | €14,736 | ▲ 84.8% |
| Profit (loss) for the period before taxes9903 | €66,398 | €16,902 | €15,116 | €113,404 | €237,656 | €190,798 | ▼ 19.7% |
| Income taxes67/77 | €20,361 | €7,066 | €5,944 | €30,776 | €57,169 | €59,948 | ▲ 4.9% |
| Profit (loss) for the period9904 | €46,037 | €9,836 | €9,172 | €82,628 | €180,487 | €130,851 | ▼ 27.5% |
| Profit (loss) for the period to be appropriated9905 | €46,037 | €9,836 | €9,172 | €82,628 | €180,487 | €130,851 | ▼ 27.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €370,691 | €373,623 | €273,271 | €332,543 | €540,731 | €747,284 | ▲ 38.2% |
| Fixed assets21/28 | €297,831 | €280,528 | €185,971 | €191,432 | €213,393 | €193,856 | ▼ 9.2% |
| Tangible fixed assets22/27 | €297,831 | €279,778 | €185,221 | €190,682 | €213,393 | €193,662 | ▼ 9.2% |
| Land and buildings22 | - | €257,574 | €171,168 | €164,761 | €170,116 | €161,687 | ▼ 5.0% |
| Plant, machinery and equipment23 | - | €8,065 | €7,464 | €15,154 | €24,823 | €17,920 | ▼ 27.8% |
| Furniture and vehicles24 | - | €13,924 | €6,590 | €10,767 | €18,454 | €14,055 | ▼ 23.8% |
| Other tangible fixed assets26 | - | €214 | - | - | - | - | - |
| Financial fixed assets28 | - | €750 | €750 | €750 | - | €194 | - |
| Current assets29/58 | €72,861 | €93,094 | €87,300 | €141,111 | €327,338 | €553,429 | ▲ 69.1% |
| Stocks and contracts in progress3 | - | €1,972 | €4,741 | €22,975 | €17,935 | €292,745 | ▲ 16× |
| Stocks30/36 | - | €1,972 | €4,741 | €22,975 | €17,935 | €292,745 | ▲ 16× |
| Amounts receivable within one year40/41 | €51,034 | €78,967 | €53,135 | €37,521 | €158,011 | €159,906 | ▲ 1.2% |
| Trade receivables40 | - | €64,354 | €49,316 | €30,037 | €130,183 | €128,912 | ▼ 1.0% |
| Other amounts receivable41 | - | €14,613 | €3,819 | €7,484 | €27,827 | €30,994 | ▲ 11.4% |
| Cash at bank and in hand54/58 | €19,533 | €10,643 | €25,875 | €73,870 | €119,236 | €79,569 | ▼ 33.3% |
| Deferred charges and accrued income490/1 | - | €1,512 | €3,550 | €6,745 | €32,156 | €21,208 | ▼ 34.0% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €370,691 | €373,623 | €273,271 | €332,543 | €540,731 | €747,284 | ▲ 38.2% |
| Equity10/15 | €48,037 | €57,872 | €67,044 | €123,807 | €303,435 | €354,286 | ▲ 16.8% |
| Contributions10/11 | - | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €46,037 | €55,872 | €65,044 | €121,807 | €121,807 | €252,658 | ▲ 107% |
| Distributable reserves133 | - | €55,872 | €65,044 | €121,807 | €121,807 | €252,658 | ▲ 107% |
| Profit (loss) carried forward14 | - | - | - | - | €179,628 | €99,628 | ▼ 44.5% |
| Amounts payable17/49 | €322,655 | €315,751 | €206,227 | €208,736 | €237,296 | €392,999 | ▲ 65.6% |
| Amounts payable after more than one year17 | €206,497 | €179,011 | €115,613 | €99,683 | €83,425 | €66,832 | ▼ 19.9% |
| Financial debts170/4 | - | €179,011 | €115,613 | €99,683 | €83,425 | €66,832 | ▼ 19.9% |
| Amounts payable within one year42/48 | €116,158 | €136,740 | €88,644 | €108,593 | €106,755 | €322,059 | ▲ 202% |
| Current portion of amounts payable after more than one year42 | - | €27,486 | €20,720 | €18,957 | €16,258 | €33,447 | ▲ 106% |
| Financial debts43 | - | - | - | €27 | - | €103,000 | - |
| Credit institutions430/8 | - | - | - | €27 | - | €103,000 | - |
| Trade debts44 | €35,323 | €64,029 | €47,061 | €42,351 | €42,663 | €52,007 | ▲ 21.9% |
| Suppliers440/4 | - | €64,029 | €47,061 | €42,351 | €42,663 | €52,007 | ▲ 21.9% |
| Advances received on contracts in progress46 | - | - | - | - | - | €1,414 | - |
| Taxes, remuneration and social security45 | - | €34,507 | €20,784 | €21,394 | €44,744 | €49,172 | ▲ 9.9% |
| Taxes450/3 | - | €28,152 | €16,085 | €12,905 | €33,378 | €34,895 | ▲ 4.5% |
| Remuneration and social security454/9 | - | €6,355 | €4,699 | €8,489 | €11,366 | €14,277 | ▲ 25.6% |
| Other amounts payable47/48 | - | €10,718 | €79 | €25,865 | €3,089 | €83,019 | ▲ 27× |
| Accrued charges and deferred income492/3 | - | - | €1,970 | €460 | €47,116 | €4,108 | ▼ 91.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €46,037 | €9,836 | €9,172 | €82,628 | €180,487 | €130,851 | ▼ 27.5% |
| + Depreciation and write-downs630 | €56,805 | €24,713 | €22,929 | €17,760 | €19,986 | €23,971 | ▲ 19.9% |
| Operating cash flow (approximation) | €102,842 | €34,549 | €32,101 | €100,387 | €200,473 | €154,821 | ▼ 22.8% |
| Investment in fixed assets (approximation) | - | -€7,411 | €71,628 | -€23,221 | -€41,947 | -€4,433 | ▲ 89.4% |
| Change in cash | - | -€8,890 | €15,232 | €47,996 | €45,365 | -€39,666 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 02-07-2026 | 2026-00241724 |
| 31-12-2024 | micro format | 03-07-2025 | 2025-00232049 |
| 31-12-2023 | micro format | 17-06-2024 | 2024-00137890 |
| 31-12-2022 | micro format | 28-06-2023 | 2023-00168054 |
| 31-12-2021 | micro format | 18-07-2022 | 2022-20200079 |
| 31-12-2020 | full format | 20-08-2021 | 2021-50700508 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
14-02
Gazette deed
PurposePurpose change3 facts ▸
- General meeting, “adoption des résolutions après délibération sur les points à l'ordre du jour, assemblée” (deed in French)
- Other provision, 28-01-2025
- Purpose change
About the unread acts
Of the 3 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 26 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
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, with enterprise number 0737.876.030
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62095B0504/00E000 | Wallonia | 1,500 m² | 1 · 147 m² | 7.9 m · 2 |
| 62103B0260/00N000 | Wallonia | 1,454 m² | 1 · 435 m² | 5.0 m · 1 |
How the parcels are linked
Articles of association
- PurposeThe activities the company may carry out under its articles.
- “Tous travaux de gros œuvre et de mise sous toit de bâtiments. Les travaux de construction d'ouvrages notamment en maçonnerie, en béton ou en…” (deed in French)
38 activities (deed in French)
- Tous travaux de gros œuvre et de mise sous toit de bâtiments. Les travaux de construction d'ouvrages notamment en maçonnerie, en béton ou en béton précontraint, formant l'ossature essentielle d'édifices et de bâtiments généralement quelconques et assurant leur stabilité, leur résistance et leur protection, comprenant ou non la mise sous toit. Ils comprennent les travaux de maçonnerie, de coffrage, de ferraillage et de bétonnage de bâtiments, les fondations, la construction de murs, la construction et le placement d'éléments préfabriqués qui sont connus sous le nom de "gros œuvre" et de "mises sous toit"
- De même que l'exécution de travaux de transformation et de réparation de maçonnerie et de bétonnage aux bâtiments et aux constructions. Sont également visés, les travaux de jointoiement, d'étanchéification d'ouvrages, par exemple par injection ou par mortier hydrofuge
- L'entreprise de travaux de carrelage et de mosaïque et tous autres revêtements de mur et de sols en ce compris le chapage et le plafonnage
- L'entreprise de ramonage
- L'entreprise de construction et de réfection et d'entretien des routes, autres voies pour véhicules et piétons
- L'entreprise de travaux de pose de câbles et de canalisations diverses
- L'aménagement de plaines de jeux, de sport, de parcs et de jardins
- Tous travaux de drainage, de terrassement
- Tous travaux d'installation électrique
- L'entreprise de menuiseries extérieures et intérieures
- L'entreprise de déblayage de chantiers
- L'entreprise de placement de clôtures
- L'entreprise de construction d'ouvrages d'art non métalliques à l'exception des travaux maritimes et fluviaux
- L'entreprise de construction, d'installation ou d'entretien de chemins de fer et autres voies ferrées
- L'entreprise d'isolation thermique et acoustique
- La construction métallique
- La fabrication de machinesoutils pour le travail des métaux
- La fabrication d'outillage
- L'entreprise d'installation de ventilation et d'aération, de chauffage à air chaud, de conditionnement d'air et de tuyauteries industrielles, l'achat, vente, placement et entretien de foyers à pellets
- L'atelier de soudure et de construction métallique
- L'entreprise de travaux d'égouts
- L'entreprise d'installation de signalisation routière et de marquage des routes
- L'entreprise de pose de chapes
- L'entreprise de pavages
- L'entreprise d'installation d'échafaudages, de rejointoyage et nettoyage de façades (sablage)
- L'entreprise de placement de cloison et de faux plafonds
- La fourniture et le placement de châssis
- Les travaux de finition tels que le nettoyage de nouveaux bâtiments après leur construction
- Le nettoyage intérieur des bâtiments, même si le nettoyage des espaces extérieurs associés tels que les vitres ou les couloirs peut en faire partie
- Le nettoyage extérieur de bâtiments de tous types, y compris les bureaux, les usines, les magasins, les locaux d'institutions, les autres locaux à usage commercial et professionnel et les immeubles à appartements, les activités de nettoyage spécialisé de bâtiments, telles que le nettoyage des vitres, le ramonage des cheminées et le nettoyage des âtres, des fourneaux, des incinérateurs, des chaudières, des gaines de ventilation et des dispositifs d'évacuation des fumées, le nettoyage de machines industrielles, le tubage de cheminées, chemisage mécanique ou chimique de cheminée type CLV ou autre, la protection et imprégnation des sols
- Les travaux de plomberie et plus précisément l'installation dans des bâtiments ou d'autres projets de construction de plomberie et appareils sanitaires, de conduites de gaz sauf pour les systèmes de chauffage au gaz, de conduite d'eau dans les locaux, conduites de distribution de vapeur, installations d'extinction automatique d'incendie, systèmes d'arrosage automatique des pelouses. Le nettoyage et le débouchage de tuyaux d'écoulement dans des bâtiments. Le placement et entretien d'équipement hygiénique, le placement et remplacement de jauges numériques, l'installation de filtres à eau sur les robinets (pour boire de l'eau pure détartrée, entre autres) et l'installation d'adoucisseurs d'eau
- Les travaux d'isolation, à savoir l'installation de matériaux d'isolation thermique et de matériaux d'isolation acoustique et antivibrations, les travaux d'isolation de canalisations de chauffage ou de réfrigération, les travaux d'isolation de chambres froides ou d'entrepôts frigorifiques, le recouvrement de cadres métalliques avec des plaques de bardage (façades ou toitures) et tous travaux d'isolation permettant de rendre un bâtiment étanche à l'air
- Les travaux de plâtre ou de stuc pour enduits intérieurs et extérieurs, y compris les matériaux de lattage associés
- Les travaux de menuiserie, tels que l'installation de menuiseries extérieures et intérieures: portes (à l'exception des portes automatiques et tambours), portes blindées, portes coupefeu, fenêtres, dormants de portes et de fenêtres, escaliers, en bois, en matières plastiques, en métal ou en d'autres matériaux, l'installation de placards de cuisines équipées, d'équipements pour magasins, en bois, en matières plastiques, en métal ou en d'autres matériaux, l'installation de meubles de laboratoire et de mobiliers modulaires en bois, en matières plastiques, en métal ou en d'autres matériaux, les aménagements intérieurs tels le montage de cloisons mobiles, le recouvrement de murs et de sols, l'installation de portes de garage, de volets, de persiennes, de grillages, de grilles, en bois, en matières plastiques, en métal ou en d'autres matériaux, l'installation de serres, de vérandas, en bois, en matières plastiques, en métal ou en d'autres matériaux, le placement de cuisines incluant le branchement électrique des appareils, placement de cuisines incluant le branchement sanitaire, le placement de puits de lumière ou de verrières, la construction d'ossatures en bois par une autre entreprise de construction (pas générale), la conception, design et réalisation d'escape rooms et autres espaces d'aventure sur mesure pour les particuliers et les entreprises, la vente et installation de moustiquaires de fenêtres et de portes
- La pose de revêtements muraux ou carrelages en céramique, en béton ou en pierre de taille et la pose de revêtements de sols et de murs en granito, marbre, granit ou ardoise. L'installation de poêles en céramique, le placement de plans de travail (cuisine, salle de bain) en pierre naturelle, la pose de Klinkers
- La peinture intérieure et extérieure des bâtiments
- Les travaux de maçonnerie, de pavage et de rejointoiement, y compris la pose de pierres et le placement de joints élastiques (fenêtres et plinthes)
- Les activités de marchands de biens immobiliers, à savoir l'achat et la vente de biens immobiliers propres (immeubles résidentiels et maisons d'habitation, immeubles non résidentiels, y compris les salles d'exposition, les installations d'entreposage libreservice, les galeries et centres commerciaux, les terres et terrains), les transactions sur biens propres tels que fonds de commerce, droit à bail et pas de porte, la création de lotissements, sans amélioration foncière, l'organisation de visites et vente de maisons et appartements pour compte propre
Read from the deeds: 1 provision, deed of 14-02-2025