Result
€21,085 €21,085
Back in profit in 2025, after a loss of €29,665 in 2024.
SVSBOUW
Lifetime
11 annual accounts with figures on one time axispeak €283,923 (2016)
€57,147▼ 15.0%
lowest -€29,665 (2024)
€21,085▲ €50,750
peak €151,902 (2023)
€143,322▲ 17.2%
€21,165▼ 29.9%
peak 4 FTE (2015)
-not published
Board1 name since 2014
1 directorVAN STEENBERGHE, Steven Marcel Brigitte
Documentsfilings and deeds
29-07-20262 days before the deadline
2025micro format
Gross margin from €67,199 to €57,147Back to profit: €21,085Equity from €122,237 to €143,322Debts from €30,188 to €21,165
Key points
from the 2025 annual accountsFilings
11 annual accounts since 2015
Six of the last ten came late. The 2023 accounts came latest: 57 days after the end of the period.
Position in the sector
87.1%
Higher solvency than 93% of companies in construction of buildings. Sector median 42.9% · 9,471 companies.
Checked score
96
Excellent
Financially stronger than 79% of micro companies in construction of buildings (NACE 41)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.4%▲ +0.2 percentage points vs 07-2025highest value
09-2025: 0.4%● unchanged vs 08-2025highest value
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.3%▼ -0.1 percentage points vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.1%▼ -0.2 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 6.66, cash €95,284
Equity €143,322 (87.1% of total assets)
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 92% of them on solvency, 96% on liquidity, 68% on profitability and 62% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as SVSBOUW has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of SVSBOUW itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for SVSBOUW. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €13,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.66 (4.22 in 2024), above the usual 1.5. Short-term debt is 12.9% and cash 57.9% of total assets. 12.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 days early
2024
34 days early
2023
57 days late
2022
5 days early
2021
29 days late
2020
26 days late
2019
27 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 14 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 July (4 of the last 5 accounts filed within 32 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- VAN STEENBERGHE Steven Marcel Brigitte all the sharesdeed of 08-01-2024
Shares in 1 company, Naadloosdicht
Board & ownershipRecent changes
Purpose change · Amendment of the articles · Legal-form change · Resignations & appointments
Appointment: VAN STEENBERGHE Steven Marcel Brigitte (director) · “Het uitvoeren en/of coördineren van algemene aannemingen; Het bouwen en verbouwen,het onderhoud,de…” (deed in Dutch) · VAN STEENBERGHE Steven Marcel Brigitte holds all the shares · General meeting of 13-12-2023 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0506937044
Incorporation
published on 19-12-2014 · Gazette deed
First establishment
Sluizeken 42, Zottegem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SVSBOUW Zottegem | €164,487 | €57,147 | 87.1% | - |
| BOUWWERKEN JEROEN VERBEKE Hamme (Vl.) | €123,773 | €57,354 | 66.5% | - |
| ALD TEAM Herzele | €184,682 | €107,101 | 48.8% | - |
| L&B BOUWONDERNEMING Zutendaal | €241,784 | €61,942 | 44.0% | - |
| SOLID BUILDING GEEL Geel | €199,022 | €74,369 | 59.9% | - |
| RENO-MARK Antwerp | €253,587 | €62,146 | 72.5% | - |
| BE2J Herve | €214,040 | €69,182 | 91.9% | - |
These companies have the same main activity as SVSBOUW: general construction of other non-residential buildings (NACE 41003). They are comparable in size and age: total assets between €124,000 and €254,000, founded between 2012 and 2016.
Official details
Source: KBO- Status
- Active since 17-12-2014Normal situation
- Activity
- General construction of other non-residential buildingsNACE 41003
- Joint committee
- 124Construction · annual accounts 2023
- Establishment unit
- 2.238.657.6549620 Zottegem, since 17-12-2014
- Financial year end
- 31 December
- Peppol
- Reachable since 31-10-2023
Annual accounts 2025
- ≈ €300,000estimated
- €164,487▲ 7.9%
- ≈ 0.7 FTEestimated
- Filing
- Filed on 29-07-2026, 2 days before the end of the filing period
Insights on SVSBOUW
SVSBOUW files the micro format. That format states no turnover. The gross margin fell from €159,751 in 2015 to €57,147 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SVSBOUW
- What is the company number of SVSBOUW?
- The company number of SVSBOUW is 0506.937.044. The VAT number is the same number with BE in front: BE 0506.937.044.
- Where is SVSBOUW based?
- The registered office is at Sluizeken 42, 9620 Zottegem.Company details
- What does SVSBOUW do?
- According to the KBO register, the main activity is general construction of other non-residential buildings (NACE 41003).
- What is the legal form of SVSBOUW?
- SVSBOUW is a private limited company (BV).
- When was SVSBOUW founded?
- SVSBOUW was founded on 17-12-2014.
- Is SVSBOUW still active?
- Yes, SVSBOUW is an active enterprise in the KBO register.
- How many employees does SVSBOUW have?
- SVSBOUW had an average of 2 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- Which joint committee does SVSBOUW fall under?
- In its 2023 annual accounts, SVSBOUW states joint committee 124 (Construction).
- What is the turnover of SVSBOUW?
- The turnover in financial year 2025 is ≈ €300,000. This figure is estimated from the gross margin of €57,147 and 119 comparable companies (NACE 410). It probably lies between €210,000 and €480,000.
- Is SVSBOUW profitable?
- In financial year 2025, SVSBOUW made a profit of €21,085.
- Where can I find the annual accounts of SVSBOUW?
- SVSBOUW filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SVSBOUW due?
- SVSBOUW must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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