SEVEN CONSTRUCT
ActiveSEVEN CONSTRUCT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €-5k. Equity is shrinking by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-65
Solvency84▼-3
Growth26▼-17
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.16 against 2.31 in 2024; short-term debt: 40.9% and cash: 27.6% of total assets), and 40.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 43
Relative position
BE, all sectors
reference
Sector 43
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.1%
Return on assets
-7.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-04-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
6 d early
2023
1 d early
2022
5 d early
2021
1 d early
2020
11 d late
2019
10 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€533k▼ 33.0%
2019 · €795k
2018: €599k
2019: €795k
2018 → 2020
EBIT margin
-1.1%▼ 2.6pp
2019 · 1.5%
2018: 2.0%
2019: 1.5%
2018 → 2020
Net result
€-5k
2024 · €4k
2018: €1k
2019: €7k
2020: €-9k
2021: €-32k
2022: €-50k
2023: €4k
2024: €4k
2018 → 2025
Working capital
€34k▼ 11.3%
2024 · €38k
2018: €123k
2019: €97k
2020: €75k
2021: €25k
2022: €19k
2023: €30k
2024: €38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€40k▼ 55.8%€44k▲ 10.1%€47k▲ 8.7%€42k▼ 10.8%
Operating result€-31k-€-49k▼ 60.2%€5k€4k▼ 19.2%€-5k
Net result€-32k-€-50k▼ 54.7%€4k€4k▼ 5.1%€-5k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€8k▼ 8.6%
Current assets
€63k▼ 6.6%
Equity and liabilities €72k
Equity
€42k▼ 10.8%
Debt
€29k▼ 0.5%
The debt ratio rises from 38.3% to 40.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €7k
Cash flow
€-4k▼
2024 · €6k
Solvency
59.1%▼
2024 · 61.7%
Current ratio
2.16▼
2024 · 2.31
Quick ratio
2.16▼
2024 · 2.31
Debt / equity
0.69▲
2024 · 0.62
ROE
-12.1%▼
2024 · 8.0%
ROA
-7.2%▼
2024 · 5.0%
Interest coverage
-36.36▼
2024 · 53.48
Debt
€29k▼
2024 · €29k
Debt ≤ 1 year
€29k▼
2024 · €29k
Income taxes
€353▲
2024 · €341
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
Assets
Total assets20/58€77k€72k▼
Fixed assets21/28€9k€8k▼
Tangible fixed assets22/27€3k€5k▲
Plant, machinery and equipment23€2k€4k▲
Furniture and vehicles24€775€468▼
Financial fixed assets28€6k€4k▼
Current assets29/58€68k€63k▼
Amounts receivable within one year40/41€52k€44k▼
Trade receivables40€49k€44k▼
Other amounts receivable41€3k-
Cash at bank and in hand54/58€16k€20k▲
Equity and liabilities
Total equity and liabilities10/49€77k€72k▼
Equity10/15€47k€42k▼
Contributions10/11€20k€20k=
Reserves13€52k€52k=
Distributable reserves133€52k€52k=
Profit (loss) carried forward14€-25k€-30k▼
Amounts payable17/49€29k€29k▼
Amounts payable within one year42/48€29k€29k▼
Trade debts44€21k€9k▼
Suppliers440/4€21k€9k▼
Taxes, remuneration and social security45€8k€20k▲
Taxes450/3€1k€818▼
Remuneration and social security454/9€7k€19k▲
Other amounts payable47/48-€252
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€658▼
Other operating charges640/8€901€969▲
Gross operating margin9900€8k€-3k▼
Operating profit (loss)9901€4k€-5k▼
Financial charges65/66B€128€110▼
Recurring financial charges65€128€110▼
Profit (loss) for the period before taxes9903€4k€-5k▼
Income taxes67/77€341€353▲
Profit (loss) for the period9904€4k€-5k▼
Profit (loss) for the period to be appropriated9905€4k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€-30k▼
Profit (loss) brought forward from the previous period14P€-28k€-25k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-50k
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
11-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 11 days late
2020
20-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Highest result since 2018net €7k ▲379%
Operating result €12k, net result €7k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
08-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Fleurus · 1 establishment unit since 2011
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de Wangenies(FL) 1166220 FleurusGround area
2,327 m²
Building footprint
4,591 m²
Volume, LiDAR
724 m³
2 parcels, Wallonia · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue Horace Pierard 25, 6060 Charleroi
since 20112.203.763.586
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52026D0635/00K000 | Wallonia | 1,802 m² | 1 · 178 m² | 6.3 m · 1 fl. |
| 52332C0373/00P009 | Wallonia | 525 m² | 1 · 4,413 m² | - |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
CORTIBAT
BE 0824.464.960
Neupré · Eq €42k
JET-ON
BE 0692.604.249
Sint-Niklaas · Eq €42k
JAW CONSTRUCT
BE 0502.297.375
Jette · Eq €42k
KNAEPEN SIEGFRIED
BE 0879.861.066
Genk · Eq €42k
TORNADO BUILDING
BE 0795.577.568
Sint-Pieters-Leeuw · Eq €42k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,982 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2011
Fiscal year end30-09
Activities, NACEBEL
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.