SVB CONSTRUCT
ActiveSVB CONSTRUCT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €5k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 17% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-37
Solvency39▼-43
Growth66=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.5 against 1.84 in 2024; short-term debt: 22.1% and cash: 4.2% of total assets), and 86.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
13.7%
Return on assets
2.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 17%
← weakest
strongest →
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
38 d early
2023
55 d early
2022
53 d early
2021
27 d early
2020
38 d early
2019
51 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€316k▼ 14.9%
2021 · €371k
2018: €282k
2019: €261k
2020: €292k
2021: €371k
2018 → 2022
EBIT margin
-6.1%▼ 13.8pp
2021 · 7.7%
2018: 1.0%
2019: 5.8%
2020: 3.6%
2021: 7.7%
2018 → 2022
Net result
€5k▼ 75.1%
2024 · €18k
2018: €171
2019: €10k
2020: €7k
2021: €20k
2022: €-20k
2023: €-9k
2024: €18k
2018 → 2025
Working capital
€-24k
2024 · €15k
2018: €4k
2019: €16k
2020: €18k
2021: €19k
2022: €5k
2023: €-776
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€371k-€316k▼ 14.9%
Equity€45k-€25k▼ 44.7%€16k▼ 36.9%€26k▲ 62.4%€30k▲ 17.9%
Operating result€29k-€-19k€-8k▲ 56.1%€23k€13k▼ 43.9%
Net result€20k-€-20k€-9k▲ 54.4%€18k€5k▼ 75.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €219k
Fixed assets
€195k▲ 1,533%
Current assets
€24k▼ 27.3%
Equity and liabilities €219k
Equity
€30k▲ 17.9%
Provisions
€858▲ 184%
Debt
€188k▲ 876%
The debt ratio rises from 42.7% to 85.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€23k▼
2024 · €36k
Cash flow
€15k▼
2024 · €31k
Solvency
13.7%▼
2024 · 56.6%
Current ratio
0.50▼
2024 · 1.84
Quick ratio
0.50▼
2024 · 1.84
Debt / equity
6.24▲
2024 · 0.75
ROE
15.2%▼
2024 · 72.0%
ROA
2.1%▼
2024 · 40.8%
Interest coverage
5.01▼
2024 · 38.16
Debt
€188k▲
2024 · €19k
Debt ≤ 1 year
€48k▲
2024 · €18k
Debt > 1 year
€140k▲
2024 · €1k
Income taxes
€3k▼
2024 · €4k
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€45k€219k▲
Fixed assets21/28€12k€195k▲
Tangible fixed assets22/27€11k€195k▲
Land and buildings22-€167k
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€9k€26k▲
Financial fixed assets28€1k€25▼
Current assets29/58€33k€24k▼
Amounts receivable within one year40/41€20k€13k▼
Trade receivables40€5k€4k▼
Other amounts receivable41€16k€9k▼
Cash at bank and in hand54/58€11k€9k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€45k€219k▲
Equity10/15€26k€30k▲
Contributions10/11€6k€6k=
Reserves13€13k€15k▲
Tax-exempt reserves132€1k€3k▲
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€6k€9k▲
Provisions and deferred taxes16€302€858▲
Deferred taxes168€302€858▲
Amounts payable17/49€19k€188k▲
Amounts payable after more than one year17€1k€140k▲
Financial debts170/4€1k€140k▲
Amounts payable within one year42/48€18k€48k▲
Current portion of amounts payable after more than one year42€5k€13k▲
Trade debts44€710€48▼
Suppliers440/4€710€48▼
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€6k€8k▲
Other amounts payable47/48€6k€27k▲
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€10k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€37k€25k▼
Operating profit (loss)9901€23k€13k▼
Financial income75/76B€1€24▲
Recurring financial income75€1€24▲
Financial charges65/66B€937€5k▲
Recurring financial charges65€937€5k▲
Profit (loss) for the period before taxes9903€22k€8k▼
Transfer from deferred taxes780€421€271▼
Transfer to deferred taxes680-€827
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€18k€5k▼
Transfer from tax-exempt reserves789€2k€1k▼
Transfer to tax-exempt reserves689-€3k
Profit (loss) for the period to be appropriated9905€20k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€9k▼
Profit (loss) brought forward from the previous period14P€-5k€6k▲
Profit to be distributed694/7€9k-
Return on contributions (dividend)694€9k-
The notes to these accounts (12 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-20k ▼201%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €20k ▲186%
Operating result €29k, net result €20k, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity doublescurrent ratio 2.55
Current ratio from 1.18 to 2.55; short-term debt falls from €24k to €10k.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Grez-Doiceau · 1 establishment unit since 2007
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.
Rue Joseph Maisin 21390 Grez-DoiceauGround area
669 m²
Building footprint
73 m²
Parcel 25070C0209/00M000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SVB CONSTRUCT
since 20072.168.771.530
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25070C0209/00M000 | Wallonia | 669 m² | 1 · 73 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.
Similar companies · same sector, comparable size
BAZIL PARTNER CONSTRUCT
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Albat
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VANHEE BENNY
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Of 1,365 companies in sector 43110 we hold annual accounts for 632. 430 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-11-2007
Fiscal year end31-12
Activities, NACEBEL
43110Demolition
45111
41001General construction of residential buildings
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43320Joinery installation
43332Laying of wooden floor and wall coverings
45211
45421
45432
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.