Financials
- Fiscal year
- 2025
- Total assets
- €995,814
- Loss
- -€39,334
- Solvency
- -3.7%
Total assets▲ 1.7%
Net result
20182025
SVRTim
ActiveSummary
The computed 12-month bankruptcy probability of SVRTim is 5.7% (elevated). The 2025 annual accounts show negative equity (-€37,218) and a net result of -€39,334. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 2412 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
How big
€995,814total assets 2025
- Equity
- -€37,218
- Loss
- -€39,334
Turnover not published (abridged schema)
Who decides
Accounts filed 61 d late0 of 3 deeds read
Why 33- Liquidity: current ratio 0.96, cash €229- Latest accounts 61 days late; 1 of the last 3 late- Sector Construction of residential and non-residential buildings (NACE 41)- No establishment unit in the KBOShow the evidence
Checked score
Score 2025
33
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 7% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
21-4
equity -3.7% of total assets
Liquidity
0=
short-term debt 103.7% · cash 0.0%
Profitability
14=
return on assets -3.9%
Bankruptcy probability, 12 months
5.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
- Liquidity: current ratio 0.96, cash €229 raises the probability
- Latest accounts 61 days late; 1 of the last 3 late raises the probability
- Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
- No establishment unit in the KBO raises the probability
No credit on open account
Liquidity short (current ratio 0.96 against 0.98 in 2024; short-term debt: 103.7% and cash: 0% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 10%, liquidity 2%, profitability 15%, growth against the median 1%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€37,218
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
61 d late
2024
26 d late
2023
28 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
61 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 38 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Key points
- Risk: Negative equityfiscal year 2025: debts exceed assets -€37,218 View
- Risk: 4 loss-making years in a rowloss fiscal year 2025 -€39,334 View
- Caution: Among the weakest 8% on equitysector median €205,904 · 2,412 companies -€37,218 View
- Caution: Latest accounts filed lateafter the legal deadline 61 d View
By topic
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 30-09-2026Annual accounts filed
- 26-08-2025Annual accounts filed
- 28-08-2024Annual accounts filed
Company details
- Legal form
- Public limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 04-12-2014
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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