Active BE 0847.406.054Private limited company

SAGHROU CONSTRUCT

Boulevard Pierre Mayence 37 ·6000 Charleroi, Belgium· 14 yrs active

Sector: Plaatsen van vloer- en wandtegels (43331)

Conclusion Checked

The KBO register records legal situation 050 for SAGHROU CONSTRUCT (Register: open bankruptcy); this is today's state according to the register itself, which carries no start date. The 2023 annual accounts show negative equity (€-23k) and a net result of €-28k.

Based on the State Gazette, CBE and 6 annual accounts.

Key figures

Equity	€-23k
Net result	€-28k
Staff (FTE)	1.5
Better than sector	5%

Financial profile 5 of 5 axes measured · computed by Checked

21 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0

Profitability 33

Solvency 37

Growth 33

Stability 0

Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based

0 / 100

High riskRegister: open bankruptcy

This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.

Trust signals 1 signals

Register: open bankruptcy

The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2023 · computed

0 / 100 Critical

050100

Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2023 and the legal situation the KBO register itself records. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 08-10-2024 with the NBB · fiscal year 2023 · micro

RevenueOperating resultNet result

Sector comparison

Fiscal year 2023 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-35.7%	38.6%	better than 5% of 9177 sector peers
Net result	€-28k	€12k	better than 5% of 9162 sector peers
Equity	€-23k	€30k	better than 5% of 9184 sector peers
Gross operating margin	€20k	€33k	better than 35% of 9151 sector peers
Staff costs	€40k	€26k	higher than 59% of 3379 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€198k

+4.2% 18-23

EBITDA

€-22k

-132.9% 18-23

Net profit

€-28k

-94.1% 18-23

Cash flow

€-24k

-128.0% 18-23

Total assets

€64k

-28.7% 18-23

Equity

€-23k

- 18-23

Working capital

€-31k

-731.1% 18-23

Employees (FTE)

2

-21.1% 18-23

Show 14 other metrics

Staff costs

€40k

-9.9% 18-23

Income taxes

€870

+49.5% 18-23

Debt

€87k

+2.2% 18-23

Debt ≤ 1y

€87k

+2.2% 18-23

Debt > 1y

€363

0.0% 18-23

Current ratio

0.65

-32.4% 18-23

Quick ratio

0.38

-44.6% 18-23

Solvency

-35.7%

- 18-23

Debt / equity

-3.80

- 18-23

ROE

120.9%

- 18-23

ROA

-43.2%

-172.2% 18-23

Net margin

-14.0%

-86.3% 18-23

EBITDA margin

-11.0%

-123.6% 18-23

Interest coverage

-22.45

-253.9% 18-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	micro
Revenue	€198k
EBITDA	€-22k
Net profit	€-28k
Cash flow	€-24k
Staff costs	€40k
Income taxes	€870
Dividends	-
Total assets	€64k
Equity	€-23k
Debt	€87k
of which ≤ 1y	€87k
of which > 1y	€363
Working capital	€-31k
Employees (FTE)	1.5

Ratios (computed)

	2023
Current ratio	0.65
Quick ratio	0.38
Working capital ratio	-47.7%
Solvency	-35.7%
Debt / equity	-3.80
Long-term debt ratio	-0.02
Interest coverage	-22.45
Gross margin	10.3%
Net margin	-14.0%
ROA	-43.2%
ROE	120.9%
EBITDA margin	-11.0%
Days sales outstanding	50d
Days payable outstanding	127d
Inventory turnover	7.57
Days inventory (DSI)	48d

Balance-sheet composition 2023

Assets

Fixed assets €8k · 12.6% Current assets €56k · 87.5%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€64k
Fixed assets	21/28	€8k
Tangible fixed assets	22/27	€8k
Current assets	29/58	€56k
Stocks & contracts in progress	3	€24k
Amounts receivable within one year	40/41	€32k
Cash & bank	54/58	€227
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€64k
Equity	10/15	€-23k
Contributions / capital	10/11	€19k
Reserves	13	€2k
Accumulated profits (losses)	14	€-43k
Amounts payable	17/49	€87k
Amounts payable after one year	17	€363
Amounts payable within one year	42/48	€87k
Trade debts payable within one year	44	€62k
Income statement
Turnover	70	€198k
Gross operating margin	9900	€20k
Operating result	9901	€-26k
Financial charges	65	€972
Result before taxes	9903	€-27k
Income taxes	67/77	€870
Net result for the period	9904	€-28k
Result to be appropriated	9905	€-28k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 2 directors

Current directors & mandates

SAGHROU Mohamed
Director
State Gazette act 23437971 (28-11-2023)

Current
28-11-2023 → present

Former directors (1)

SAGHROU Lahsen
Director (executive)
State Gazette act 24145909 (10-10-2024)

Former
- → 30-09-2024

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Plaatsen van vloer- en wandtegels(43331)
Legal form	Private limited company(610)
Incorporation	16-07-2012
Status	Active
Postal code	6000

Establishment units 1 location

Full construct

Rue de la Cayauderie 41, 6043 CharleroiStukadoorswerk

since 20122.211.957.910

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52058B0561/00M134	Wallonia	427 m²	1 · 76 m²	-
52011B0239/00X062	Wallonia	136 m²	1 · 48 m²	11.4 m · 3 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024

10-10-2024

State Gazette act Director changes

08-10-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

28-11-2023

State Gazette act Director changes

Christine CLINQUART

31-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

13-10-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

31-08-2021

NBB filing Annual accounts filed

fiscal year 2020 · volledig

2020

29-10-2020

NBB filing Annual accounts filed

fiscal year 2019 · volledig

2019

29-08-2019

NBB filing Annual accounts filed

fiscal year 2018 · volledig

2018

31-08-2018

NBB filing Annual accounts filed

fiscal year 2017 · volledig

2017

27-10-2017

NBB filing Annual accounts filed

fiscal year 2016 · volledig

2016

31-08-2016

NBB filing Annual accounts filed

fiscal year 2015 · volledig

2015

28-08-2015

NBB filing Annual accounts filed

fiscal year 2014 · volledig

Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 1 year ago

2024

10-10-2024 SAGHROU Lahsen resigns as director (executive) Director changes

SAGHROU Lahsen, Directeur

Original publication ↗

Technical details

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2023

28-11-2023 SAGHROU Mohamed appointed as director Director changes·Christine CLINQUART

SAGHROU Mohamed, Bestuurder

Notary: Christine CLINQUART · Jumet

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Plaatsen van vloer- en wandtegels43331Plaatsen van vloer- en wandtegels43331

Primary activity highlighted.

Names & trade names

Legal nameFR

SAGHROU CONSTRUCT

Registered office

Boulevard Pierre Mayence 37

6000 Charleroi, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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