Equity
313 CONSTRUCT has made a profit in every financial year since 2023.
313 CONSTRUCT has made a profit in every financial year since 2023.
The micro format states no turnover.
Of this, €191,157 falls due within a year.
Green is investment, beige is depreciation.
The 2023 accounts came latest: 26 days after the end of the period.
Higher gross margin than 88% of companies in construction of buildings. Sector median €32,132 · 9,438 companies.
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 22% of them on solvency, 28% on liquidity, 48% on profitability and 70% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 2,542 companies had the same profile as 313 CONSTRUCT has now. Each dot stands for 7 companies, two years later.
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of 313 CONSTRUCT itself: 2.3% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,542 companies, not a prediction for 313 CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is tight, with a current ratio of 1.35 (1.13 in 2024), below the usual 1.5. Short-term debt is 72.9% and cash 17.6% of total assets. 85.2% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 3 accounts on average 18 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| 313 CONSTRUCT Sint-Gillis (bij-Brussel) | €262,070 | €150,871 | 14.8% | - |
| DADATECH Molenbeek-Saint-Jean | €273,671 | €137,905 | 40.2% | 4 |
| DIFICA Genk | €284,053 | €156,140 | 22.0% | - |
| BSPT Assenede | €248,015 | €140,941 | 51.6% | - |
| AF CONSTRUCTION Herstal | €267,171 | €165,078 | 34.5% | 2.7 |
| DIMA BOUW Olen | €256,245 | €135,929 | 34.3% | - |
| VALMART Nandrin | €289,362 | €159,458 | 54.5% | - |
These companies have the same main activity as 313 CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €248,000 and €289,000, founded between 2021 and 2022.
313 CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from €32,536 in 2023 to €150,871 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €500,000. Estimated: probably between €350,000 and €770,000.
Higher than 22% of 9,452 companies in 2025.
Higher than 38% of 9,200 companies in 2025.
Higher than 39% of 9,272 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
262,070 | 256,296 | 34,970 | |
21/28 |
4,812 | 2,881 | - | |
22/27 |
4,812 | 2,881 | - | |
24 |
4,812 | 2,881 | - | |
29/58 |
257,258 | 253,415 | 34,970 | |
40/41 |
211,223 | 188,253 | 17,986 | |
40 |
211,223 | 174,501 | 17,986 | |
41 |
- | 13,752 | - | |
54/58 |
46,035 | 65,162 | 16,984 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
262,070 | 256,296 | 34,970 | |
10/15 |
38,690 | 29,879 | 16,823 | |
10/11 |
2,500 | 2,500 | 2,500 | |
14 |
36,190 | 27,379 | 14,323 | |
17/49 |
223,380 | 226,417 | 18,147 | |
17 |
32,223 | - | - | |
178/9 |
32,223 | - | - | |
42/48 |
191,157 | 224,269 | 18,147 | |
44 |
167,720 | 214,815 | 4,683 | |
440/4 |
167,720 | 214,815 | 4,683 | |
45 |
23,437 | 9,454 | 13,464 | |
450/3 |
5,284 | 4,352 | 8,964 | |
454/9 |
18,153 | 5,102 | 4,500 | |
492/3 |
- | 2,148 | - | |
| Income statement | ||||
9900 |
150,871 | 105,205 | 32,536 | |
62 |
134,724 | 88,429 | 12,775 | |
630 |
960 | - | - | |
640/8 |
484 | 384 | - | |
66A |
- | - | 200 | |
9901 |
14,703 | 16,392 | 19,561 | |
75/76B |
190 | 143 | 1,106 | |
75 |
190 | 143 | 1,106 | |
65/66B |
384 | 257 | 63 | |
65 |
384 | 257 | 63 | |
9903 |
14,509 | 16,278 | 20,604 | |
67/77 |
5,698 | 3,222 | 6,281 | |
9904 |
8,811 | 13,056 | 14,323 | |
9905 |
8,811 | 13,056 | 14,323 | |
| Appropriation of the result | ||||
9906 |
36,190 | 27,379 | 14,323 | |
14P |
27,379 | 14,323 | - | |
| Document | ||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 02-02-2026.
2025 annual accounts filed 2 days after the deadline. Filed on 2 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00034969.
| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 15,663 | - | - | ||
| 9,771 | - | - | ||
| 2,891 | 2,881 | - | ||
| -19,127 | 48,178 | - | ||
| 66,101 | 29,146 | 16,823 | ||
| 14.8% | 11.7% | 48.1% | ||
| 1.35 | 1.13 | 1.93 | ||
| 5.77 | 7.58 | 1.08 | ||
| 22.8% | 43.7% | 85.1% | ||
| 3.4% | 5.1% | 41.0% | ||
| 40.79 | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 30-06-2025 | 30-06-2024 | 30-06-2023 |
|---|---|---|---|
| Tangible fixed assets | €2,891 | €2,881 | - |
| €960 | - | - |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 10% lower than in 2024 and the lowest since 2023. It is the second fall in a row.
Debt's share of the balance-sheet total falls from 88.3% to 85.2%. Equity is higher and debt is lower.
Article 11. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est attribuée, avec la faculté de déléguer partie de ceux-ci. Lorsque la société est administrée par plusieurs administrateurs, chaque administrateur agissant seul, peut accomplir tous les actes nécessaires ou utiles à l’accomplissement de l’objet, sous réserve de ceux que la loi et les statuts réservent à l’assemblée générale. Chaque administrateur représente la société à l'égard des tiers et en justice, soit en demandant, soit en défendant. Il peut déléguer des pouvoirs spéciaux à tout mandataire.
313 CONSTRUCT has no parent and no holdings in its annual accounts. BEN ABBOU HAMZA is the only director. 313 CONSTRUCT shares no director with another company.
| Lopez Garcia, Willy (sole trader)
establishment since 06-10-1992 |
founded in 1992 0561.561.605 |
Deadline for the 2026 accounts: 31-01-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
On 5 July 2022, 313 CONSTRUCT was incorporated as a private limited company by one natural person, with a starting capital of €2,500.12 In 2024 the registered office moved to Brussels.3 BEN ABBOU HAMZA is director of the company, appointed by deed of 29-01-2024.3 Total assets went from €34,970 in 2023 to €262,070 in 2025.4
| Establishment | Since | Unit number |
|---|---|---|
| Zwedenstraat 62 registered office 1060 Sint-Gillis (bij-Brussel) | 05-07-2022 | 2.338.931.207 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21562A0353/00Z013 | 74 m² | 1 · 75 m² | 16.4 m · 5 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0788.236.648
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