SV IMMO-CONSTRUCT
ActiveSummary
SV IMMO-CONSTRUCT has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €16k and a net result of €14k. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency83▲+52
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.64 against 0.05 in 2023; short-term debt: 30.8% and cash: 0.1% of total assets), and 42% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 2024Solvency, return and age of the figures
Solvency
58%
Return on assets
50.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-10-2025, 69 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
not confirmed
2024
69 d late
2023
80 d late
2022
90 d late
2021
454 d late
2020
33 d late
2019
32 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€16k▲ 717%
2023 · €2k
2018: €11k
2019: €8k
2020: €6k
2021: €15k
2022: €26k
2023: €2k
2018 → 2024
Total assets
€28k▼ 11.9%
2023 · €32k
2018: €56k
2019: €16k
2020: €37k
2021: €72k
2022: €96k
2023: €32k
2018 → 2024
Net result
€14k
2023 · €-24k
2018: €13k
2019: €-3k
2020: €-2k
2021: €9k
2022: €11k
2023: €-24k
2018 → 2024
Working capital
€-3k▲ 80.3%
2023 · €-16k
2018: €17k
2019: €11k
2020: €35k
2021: €40k
2022: €24k
2023: €-16k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€6k-€15k▲ 139%€26k▲ 71.1%€2k▼ 92.3%€16k▲ 717%
Operating result€-2k-€11k€10k▼ 15.9%€-24k€24k
Net result€-2k-€9k€11k▲ 22.1%€-24k€14k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €24k after a loss of €24k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €28k
Fixed assets
€23k ▼ 27.4%
Current assets
€6k ▲ 592%
Equity and liabilities €28k
Equity
€16k ▲ 717%
Debt
€12k ▼ 60.5%
Debt's share of the balance-sheet total falls from 93.8% to 42.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▲
2023 · €-15k
Cash flow
€23k▲
2023 · €-16k
Current ratio
0.64▲
2023 · 0.05
Debt to equity
0.73▼
2023 · 15.01
ROE
87.8%
ROA
50.9%▲
2023 · -75.0%
Interest coverage
27.35▲
2023 · -24.40
Debt ≤ 1 year
€9k▼
2023 · €17k
Debt > 1 year
€3k▼
2023 · €13k
Income taxes
€9k▲
2023 · €-88
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 37 lines
Balance sheet
Code20232024
Assets
Total assets20/58€32k€28k▼
Fixed assets21/28€31k€23k▼
Tangible fixed assets22/27€31k€23k▼
Furniture and vehicles24€31k€23k▼
Financial fixed assets28€200€200=
Current assets29/58€804€6k▲
Amounts receivable within one year40/41-€6k
Trade receivables40-€4k
Other amounts receivable41-€1k
Cash at bank and in hand54/58€804€41▼
Equity and liabilities
Total equity and liabilities10/49€32k€28k▼
Equity10/15€2k€16k▲
Contributions10/11€19k€19k=
Capital10-€19k
Issued capital100-€19k
Profit (loss) carried forward14€-17k€-2k▲
Amounts payable17/49€30k€12k▼
Amounts payable after more than one year17€13k€3k▼
Financial debts170/4€13k€3k▼
Amounts payable within one year42/48€17k€9k▼
Trade debts44€17k-
Suppliers440/4€17k-
Taxes, remuneration and social security45-€9k
Taxes450/3-€9k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€36k-
Other operating charges640/8€1k€1k▼
Gross operating margin9900€22k€34k▲
Operating profit (loss)9901€-24k€24k▲
Financial charges65/66B€616€1k▲
Recurring financial charges65€616€1k▲
Profit (loss) for the period before taxes9903€-24k€23k▲
Income taxes67/77€-88€9k▲
Profit (loss) for the period9904€-24k€14k▲
Profit (loss) for the period to be appropriated9905€-24k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-2k▲
Profit (loss) brought forward from the previous period14P€8k€-17k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 69 days late
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
19-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 80 days late
2023
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 90 days late
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 454 days late
2021
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
02-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 33 days late
2020
31-12
Financial
Liquidity times 34current ratio 115.66
Current ratio from 3.39 to 115.66; short-term debt falls from €5k to €308.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 3.39
Current ratio from 1.44 to 3.39; short-term debt falls from €39k to €5k.
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
Show earlier events
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
4 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, Wavre · 1 establishment unit since 1990
Ground area
185 m²
Building footprint
63 m²
Volume, LiDAR
725 m³
Parcel 25112M0326/00L000, Wallonia · tallest building 12.2 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Rue Lambert Fortune 85, 1300 Wavre
since 19902.049.015.726
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112M0326/00L000 | Wallonia | 185 m² | 1 · 63 m² | 12.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,748 companies in sector 68310 we hold annual accounts for 6,905. 3,656 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded30-07-1990
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
68310Real estate agency activities
46190Agents in non-specialised wholesale trade
49410Freight transport by road
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
5 entriesE-mail:sebastien@immo-contruct.com
E-mail:svimmoconstruct@gmail.com
Phone:0032477994199
Phone:0032485153019
Fax:010/45.10.31