Financials
- Financial year
- 2025
- Total assets
- €57,468
- Profit
- €10,847
- Solvency
- 24.1%
SVO Instal
ActiveSummary
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 9,327 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
Activity
General construction of residential buildings
NACE 41001
1 site
Size
≈ €210,000turnover 2025, estimated
- Equity
- €13,847
- Profit
- €10,847
Turnover estimated from the gross margin
Why 52raises 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 better than 60% of its sector peers (NACE 41, micro)
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, 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).
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 ample (current ratio 4.43, above the usual 1.5; short-term debt: 3.9% and cash: 14% of total assets), but 75.9% of the assets are financed with debt and provisions.
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 41, micro): better than 31% on solvency, 72% on liquidity and 77% on profitability.
The bankruptcy probability was computed on 28-10-2026 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
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 23-07-2026, 8 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
8 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: van Oijen,Stefan (director) ·…
Key points
By topic
Board & ownership
- Board
- 1 member
- van Oijen,StefanDirector
Timeline
- Events
- 2
- Since
- 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 16-04-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 13
- Purpose
- “Plaatsen van ramen en deuren; Bouwwerkzaamheden; De studie en de uitvoering van alle…” (deed in Dutch)
Key facts about SVO Instal
- What is the company number of SVO Instal?
- 1022.427.015. In Belgium the VAT number is the company 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?
- Private limited company (BV).
- When was SVO Instal 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?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.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.
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