Financials
- Fiscal year
- 2025
- Total assets
- €91,605
- Profit
- €2,154
- Solvency
- 12.5%
Total assets▼ 12.9%
Net result
20182025
SANFE CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of SANFE CONSTRUCT is 3.5% (moderate). The 2025 annual accounts show equity of €11,427 and a net result of €2,154. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 2712 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Construction of residential and non-residential buildings
NACE 41002NACE 41202
1 site
Size
€91,605total assets 2025
- Equity
- €11,427
- Profit
- €2,154
Structure
Accounts filed 29 d late0 of 5 deeds read
Why 49- Sector Construction of residential and non-residential buildings (NACE 41)- Latest accounts 29 days late; 1 of the last 3 late- Liquidity: current ratio 0.85, cash €198- Equity €11,427 (12.5% of total assets)Show the evidence
Checked score
Score 2025
49
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 34% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
37+3
equity 12.5% of total assets
Liquidity
2+2
short-term debt 87.5% · cash 0.2%
Profitability
72+72
return on assets 2.4%
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 6.2%
12-2024: 6.2%● 0.0% vs 11-2024
01-2025: 6.0%▼ -4.3% vs 12-2024
02-2025: 6.0%● 0.0% vs 01-2025
03-2025: 6.0%● 0.0% vs 02-2025
04-2025: 6.2%▲ +5.0% vs 03-2025highest value
05-2025: 4.1%▼ -34.7% vs 04-2025
06-2025: 4.0%▼ -2.4% vs 05-2025
07-2025: 3.9%▼ -1.6% vs 06-2025
08-2025: 4.7%▲ +19.9% vs 07-2025
09-2025: 5.3%▲ +12.6% vs 08-2025
10-2025: 5.3%● 0.0% vs 09-2025
11-2025: 5.3%● 0.0% vs 10-2025
12-2025: 5.3%● 0.0% vs 11-2025
01-2026: 5.3%● 0.0% vs 12-2025
02-2026: 5.2%▼ -1.4% vs 01-2026
03-2026: 5.2%▼ -1.2% vs 02-2026
04-2026: 5.1%▼ -0.4% vs 03-2026
05-2026: 5.0%▼ -1.9% vs 04-2026
06-2026: 4.9%▼ -2.9% vs 05-2026
07-2026: 5.0%▲ +1.5% vs 06-2026
08-2026: 5.5%▲ +11.6% vs 07-2026
09-2026: 3.5%▼ -37.2% vs 08-2026lowest value
10-2026: 3.5%▲ +1.3% vs 09-2026
- Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
- Latest accounts 29 days late; 1 of the last 3 late raises the probability
- Liquidity: current ratio 0.85, cash €198 raises the probability
- Equity €11,427 (12.5% of total assets) raises the probability
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.85 against 0.66 in 2024; short-term debt: 87.5% and cash: 0.2% of total assets), and 87.5% 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 41, micro). Better than this share of them on solvency 20%, liquidity 4%, profitability 45%, growth against the median 67%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 2712 sector peers (2025).
NBB · sector comparisonPosition among 2712 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
15 d late
2023
31 d late
2022
28 d late
2021
36 d late
2020
59 d late
2019
153 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 50 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 29 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Back to profitnet €2,154
- Annual accounts filedfiscal year 2024 · full…
Key points
By topic
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 29-08-2026Annual accounts filed
- 31-12-2025Back to profit
- 15-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Construction of residential and non-residential buildingsNACE 41002
- Founded
- 25-08-2016
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
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