SAINT-MARD CONSTRUCTION
ActiveSAINT-MARD CONSTRUCTION has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99k and a net result of €14k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 49% of 1093 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+52
Solvency85▲+21
Growth52=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.63 against 1.59 in 2024), but 58.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
8 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
41.2%
Return on assets
5.8%
Age of the figures
8 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
on the day
2022
13 d early
2021
5 d early
2020
39 d late
2019
122 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€99k▲ 16.4%
2024 · €85k
2023: €82k
2024: €85k
2023 → 2025
Total assets
€241k▼ 8.6%
2024 · €264k
2023: €129k
2024: €264k
2023 → 2025
Net result
€14k▲ 333%
2024 · €3k
2023: €15k
2024: €3k
2023 → 2025
Working capital
€50k▲ 43.7%
2024 · €35k
2023: €72k
2024: €35k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€82k-€85k▲ 3.9%€99k▲ 16.4%
Operating result€16k-€6k▼ 65.0%€18k▲ 226%
Net result€15k-€3k▼ 78.9%€14k▲ 333%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 226% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241k
Fixed assets
€161k▼ 5.4%
Current assets
€80k▼ 14.4%
Equity and liabilities €241k
Equity
€99k▲ 16.4%
Debt
€142k▼ 20.6%
The debt ratio falls from 67.7% to 58.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€30k▲
2024 · €17k
Cash flow
€26k▲
2024 · €15k
Solvency
41.2%▲
2024 · 32.3%
Current ratio
2.63▲
2024 · 1.59
Quick ratio
2.63▲
2024 · 1.59
Debt / equity
1.43▼
2024 · 2.09
ROE
14.1%▲
2024 · 3.8%
ROA
5.8%▲
2024 · 1.2%
Interest coverage
6.86▲
2024 · 6.75
Debt
€142k▼
2024 · €179k
Debt ≤ 1 year
€30k▼
2024 · €59k
Debt > 1 year
€111k▼
2024 · €119k
Staff costs
€376
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€264k€241k▼
Fixed assets
21/28€171k€161k▼
Tangible fixed assets
22/27€170k€161k▼
Financial fixed assets
28€289€250▼
Current assets
29/58€93k€80k▼
Amounts receivable within one year
40/41€53k€69k▲
Cash & bank
54/58€40k€10k▼
Total equity & liabilities
10/49€264k€241k▼
Equity
10/15€85k€99k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€2k€2k=
Accumulated profits (losses)
14€65k€79k▲
Amounts payable
17/49€179k€142k▼
Amounts payable after one year
17€119k€111k▼
Amounts payable within one year
42/48€59k€30k▼
Trade debts payable within one year
44€10k€6k▼
Income statement
Code20242025
Gross operating margin
9900€23k€32k▲
Operating result
9901€6k€18k▲
Financial income
75€145€25▼
Financial charges
65€3k€4k▲
Result before taxes
9903€3k€14k▲
Net result for the period
9904€3k€14k▲
Result to be appropriated
9905€3k€14k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €3k ▼78.9%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-11
State Gazette act
Director changes
Florence Moreau
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 39 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 2,449 companies in sector 41003 we hold annual accounts for 1,002. 715 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-1991
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
50103
41002Construction of residential and non-residential buildings
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
50200
50302
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 03-09-2026. Scores and ratios are computed by Checked and are not a credit decision.