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ZEPHIR CONSTRUCTION

Active
Private limited companyfounded 20224 yrs activeRue Léopold Dupuis(L.L) 43, 7100 La Louvière, BelgiumKBO/BCE: BE 0788.847.550
Summary

ZEPHIR CONSTRUCTION has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19,708 and a net result of €95,051. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 16% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Risk analysisWatch ReportCompare
ZEPHIR CONSTRUCTIONActiveChecked score 67/100
Risk analysis ReportCompare

Overview

Activity
Other construction installation
NACE 43240General construction of residential buildings NACE 41001General construction of buildings NACE 41201
1 site
Size
€146,015total assets 2025
Equity
€19,708
Profit
€95,051
Turnover not published (abridged schema)
Financial health
67 Healthy Checked score 2025
Bankruptcy chance 12 m
1.0%
Structure
Accounts 49 d early0 of 1 deed read
Why 67- Founded in 2022- Equity €19,708 (13.5% of total assets)- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 1.48, cash €30,921Show the evidence

Checked score

Score 2025
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 59% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 38+38
equity 13.5% of total assets
Liquidity 44+42
short-term debt 61.9% · cash 21.2%
Profitability 100+100
return on assets 65.1%
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,004 companies)
Last 15 months 08-2025: 3.9% 09-2025: 4.0%▲ +0.2% vs 08-2025highest value 10-2025: 4.0%● 0.0% vs 09-2025highest value 11-2025: 4.0%● 0.0% vs 10-2025highest value 12-2025: 4.0%● 0.0% vs 11-2025highest value 01-2026: 3.9%▼ -1.8% vs 12-2025 02-2026: 3.9%● 0.0% vs 01-2026 03-2026: 3.8%▼ -2.3% vs 02-2026 04-2026: 3.5%▼ -8.9% vs 03-2026 05-2026: 3.5%▲ +2.7% vs 04-2026 06-2026: 3.5%▼ -0.4% vs 05-2026 07-2026: 1.0%▼ -71.6% vs 06-2026lowest value 08-2026: 1.0%● 0.0% vs 07-2026lowest value 09-2026: 1.0%● 0.0% vs 08-2026lowest value 10-2026: 1.0%● 0.0% vs 09-2026lowest value
  • Founded in 2022 raises the probability for this profile
  • Liquidity: current ratio 1.48, cash €30,921 lowers the probability
  • Equity €19,708 (13.5% of total assets) raises the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €1,000 at 30 days acceptable
Liquidity tight (current ratio 1.48 against 0.81 in 2024; short-term debt: 61.9% and cash: 21.2% of total assets), and 86.5% of the assets are financed with debt.
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 43, micro). Better than this share of them on solvency 16%, liquidity 34%, profitability 93%, growth against the median 93%. 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.
−lowers risk+raises risk○neutral
raises risk · Founded in 2022
In the bankruptcy model this factor raises the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 1.48, cash €30,921
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Equity €19,708 (13.5% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 30651 sector peers (2025).
NBB · sector comparison
Position among 30651 sector peers
Solvency
better than 16%
← 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 12-06-2026, 49 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
49 d early
2024
31 d early
2023
37 d early
2022
37 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 20 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 28 June (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Back to profitnet €95,051
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Back in profit in 2025after -€87,195 in 2024 €95,051 View
  • Positive: Among the best 5% on net resultsector median €10,005 · 30,640 companies €95,051 View
  • Total assets 20254 fiscal years filed €146,015 View

By topic

Financials

Fiscal year
2025
Total assets
€146,015
Profit
€95,051
Solvency
13.5%
Total assets▼ 33.4%
Net result
20222025
Go to Financials

Timeline

Events
6
Since
2023
Next accounts
by 31-07-2027
  1. 12-06-2026Annual accounts filed
  2. 31-12-2025Back to profit
  3. 30-06-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other construction installationNACE 43240
Founded
25-07-2022
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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