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SVO Instal

Active
Private limited companyfounded 2025active for 1 yearBoskapelstraat 19, 2275 Lille, BelgiumKBO/BCE: BE 1022.427.015

From the official registers: KBO 1 annual account at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of SVO Instal is 2.9% (moderate). The 2025 annual accounts show equity of €13,847 and a net result of €10,847. Its solvency ranks better than 30% of 9,380 sector peers (NACE 41, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

KBO
Status
Active since 16-04-2025 Normal situation
Activity
General construction of residential buildings NACE 41001and 3 others
Establishment unit
2.373.090.746 2275 Lille, since 16-04-2025
Financial year end
31 December
Peppol
Reachable since 11-03-2026

Board and ownership

Board

Financial position

52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.9%
Annual accounts 2025
Gross margin
€17,814
Turnover
≈ €210,000
estimated
Profit
€10,847
Equity
€13,847
Total assets
€57,468
Filed on 23-07-2026, 8 days before the deadlineat the National Bank
Score breakdownraises riskFounded in 2025Size: total assets €57,468Sector: Construction of residential and non-residential buildings (NACE 41)lowers riskLiquidity: current ratio 4.43, cash €8,042Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 60% of micro companies in construction of buildings (NACE 41)
Financial strength
Strong
Solvency 49
equity 24.1% of total assets
Liquidity 67
short-term debt 3.9% · cash 14.0%
Profitability 92
return on assets 18.9%
Bankruptcy probability within 12 months
2.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,451 companies, NACE 41, micro)
Last 24 months 05-2026: 3.6% 06-2026: 3.7%▲ +0.1 percentage points vs 05-2026 07-2026: 3.8%▲ +0.1 percentage points vs 06-2026highest value 08-2026: 2.6%▼ -1.2 percentage points vs 07-2026lowest value 09-2026: 2.6%● unchanged vs 08-2026 10-2026: 2.9%▲ +0.3 percentage points vs 09-2026
Credit of up to €500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.43, above the usual 1.5. Short-term debt is 3.9% and cash 14% of total assets. However, 75.9% 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 41, micro). It does better than 31% of them on solvency, 72% on liquidity and 77% on profitability.

The bankruptcy probability was computed on 31-10-2026 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. 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 · 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
raises risk · Size: total assets €57,468
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 · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
lowers risk · Liquidity: current ratio 4.43, cash €8,042
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 23-07-2026, 8 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
8 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

Comparable companies

These companies have the same main activity as SVO Instal: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €50,500 and €67,300, founded between 2024 and 2025.

CompanyTotal assetsGross margin
SVO Instal Lille€57,468€17,814
ZOD GROUP Zaventem€57,358€20,849
YVES VAN DAMME - AANNEMER Lebbeke€50,452€20,769
ECOSYSTEMS BELUX Anderlecht€61,801€21,000
Fixr Beernem€64,853€18,299
Atelier Cordeiro Vorst€52,341€21,122
BI CONSTRUCT Sint-Pieters-Leeuw€67,305€19,612
Full comparison

Documents

Annual accounts at the NBB

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about SVO Instal

What is the company number of SVO Instal?
The company number of SVO Instal is 1022.427.015. The VAT number is the same number with BE in front: BE 1022.427.015.
Where is SVO Instal based?
The registered office is at Boskapelstraat 19, 2275 Lille.Company details
What does SVO Instal do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of SVO Instal?
The legal form of SVO Instal is Private limited company (BV).
When was SVO Instal founded?
SVO Instal was founded on 16-04-2025.
Is SVO Instal still active?
Yes, SVO Instal is an active enterprise in the KBO register.
What is the turnover of SVO Instal?
The turnover in financial year 2025 is ≈ €210,000. This figure is estimated from the gross margin of €17,814 and 268 comparable companies (NACE 41001). It probably lies between €110,000 and €390,000. It is a rough estimate.Financials
Is SVO Instal profitable?
In financial year 2025, SVO Instal made a profit of €10,847.
Where can I find the annual accounts of SVO Instal?
SVO Instal filed 1 annual account with the National Bank of Belgium, for financial year 2025.Annual accounts at the National Bank

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