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A. Construct

Active Risk: moderate
Private limited company (pre-2019)founded 20179 yrs activeChaussée de Marche(WD) 839, 5100 Namur, BelgiumKBO/BCE: BE 0676.741.284
Summary

The computed 12-month bankruptcy probability of A. Construct is 3.0% (moderate). The 2019 annual accounts show equity of €11,950 and a net result of €1,089. The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

No current score
Figures too old
The available figures for FY 2019 are too old to assess current financial health.
Filing: Five or more filing cycles are missing. This points to a standstill, not an imminent failure.
Axes, FY 2019 · tick = 2018
Profitability56▼-44
Solvency100=
Growth52
Track record100
Bankruptcy probability, 12 months
3.0% Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2019
Solvency, return and age of the figures
Solvency
82.2%
Return on assets
7.5%
Age of the figures
81 mo
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · No filing for years
The last filed financial year closed on 31-12-2019. Since then, 6 financial years are missing. This points to a standstill, not an imminent failure.
NBB · 2 filings
Position against the passed deadline
31-12-2020 close31-07-2021 deadline27-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2019 was due by 31-07-2020 and was filed on 28-08-2020, 28 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 · 2 filings
Deviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
not filed
2021
not filed
2020
not filed
2019
28 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its 2019 accounts 28 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

A. Construct was incorporated on 12 June 2017.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2019.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019

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Financials · fiscal year 2019, micro schema

Equity
€11,950▲ 10.0%
2018 · €10,861
Total assets
€14,530▲ 19.9%
2018 · €12,120
Net result
€1,089▼ 76.6%
2018 · €4,661
Working capital
€7,504▲ 16.9%
2018 · €6,420
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20182019
Operating result€5,869--€2,203
Net result€4,661-€1,089▼ 76.6%
Equity€10,861-€11,950▲ 10.0%
Total assets€12,120-€14,530▲ 19.9%
Debt€1,259-€2,581▲ 105%
Working capital€6,420-€7,504▲ 16.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€2,500€0€2,500€5,000Operating result 2018: €5,869€5,869Net result 2018: €4,661€4,661Operating result 2019: -€2,203-€2,203Net result 2019: €1,089€1,08920182019-€2,500€0€2,500€5,000Operating result 2018: €5,869€5,870Net result 2018: €4,661€4,660Operating result 2019: -€2,203-€2,200Net result 2019: €1,089€1,09020182019
The operating result turns negative in 2019: a loss of €2,203 after €5,869 in 2018.
Balance-sheet composition
2019 in colour, 2018 as the grey bar beneath
Assets €14,530
Fixed assets €4,446 ▲ 0.1%
Current assets €10,084 ▲ 31.3%
Equity and liabilities €14,530
Equity €11,950 ▲ 10.0%
Debt €2,581 ▲ 105%
Debt's share of the balance-sheet total rises from 10.4% to 17.8%. Equity and debt are higher.
Key figures and ratios
2019 value · change against 2018
EBITDA
€321▼
2018 · €7,266
Cash flow
€3,613▼
2018 · €6,058
Current ratio
3.91▼
2018 · 6.10
ROE
9.1%▼
2018 · 42.9%
ROA
7.5%▼
2018 · 38.5%
Debt ≤ 1 year
€2,581▲
2018 · €1,259
Income taxes
€319▼
2018 · €1,194
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2019 against 2018 · 21 lines
Balance sheet Code20182019
Assets
Total assets20/58€12,120€14,530▲
Fixed assets21/28€4,441€4,446▲
Tangible fixed assets22/27€4,441€4,446▲
Current assets29/58€7,679€10,084▲
Amounts receivable within one year40/41€440€6,017▲
Current investments50/53€7,239€4,067▼
Equity and liabilities
Total equity and liabilities10/49€12,120€14,530▲
Equity10/15€10,861€11,950▲
Contributions10/11€6,200€6,200=
Profit (loss) carried forward14€4,661€5,750▲
Amounts payable17/49€1,259€2,581▲
Amounts payable within one year42/48€1,259€2,581▲
Trade debts44€65-
Income statement Code20182019
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,398€2,524▲
Gross operating margin9900€7,266€462▼
Operating profit (loss)9901€5,869-€2,203▼
Recurring financial charges65€14€186▲
Profit (loss) for the period before taxes9903€5,855€1,408▼
Income taxes67/77€1,194€319▼
Profit (loss) for the period9904€4,661€1,089▼
Profit (loss) for the period to be appropriated9905€4,661€1,089▼
Line20182019Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,398€2,524▲ 80.6%
Gross operating margin9900€7,266€462▼ 93.6%
Operating profit (loss)9901€5,869-€2,203▼ 138%
Recurring financial charges65€14€186▲ 1,266%
Profit (loss) for the period before taxes9903€5,855€1,408▼ 76.0%
Income taxes67/77€1,194€319▼ 73.3%
Profit (loss) for the period9904€4,661€1,089▼ 76.6%
Profit (loss) for the period to be appropriated9905€4,661€1,089▼ 76.6%
Line20182019Change
Assets
Total assets20/58€12,120€14,530▲ 19.9%
Fixed assets21/28€4,441€4,446▲ 0.1%
Tangible fixed assets22/27€4,441€4,446▲ 0.1%
Current assets29/58€7,679€10,084▲ 31.3%
Amounts receivable within one year40/41€440€6,017▲ 1,269%
Current investments50/53€7,239€4,067▼ 43.8%
Equity and liabilities
Total equity and liabilities10/49€12,120€14,530▲ 19.9%
Equity10/15€10,861€11,950▲ 10.0%
Contributions10/11€6,200€6,200=
Profit (loss) carried forward14€4,661€5,750▲ 23.4%
Amounts payable17/49€1,259€2,581▲ 105%
Amounts payable within one year42/48€1,259€2,581▲ 105%
Trade debts44€65--
Line20182019Change
Profit (loss) for the period9904€4,661€1,089▼ 76.6%
+ Depreciation and write-downs630€1,398€2,524▲ 80.6%
Operating cash flow (approximation)€6,058€3,613▼ 40.4%
Investment in fixed assets (approximation)--€2,529-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2020
28-08
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
08-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
NBB filing
0 of 3 acts read
About the unread acts

We know of 3 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
3 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, Namur · 1 establishment unit since 2017
seat establishment The establishment unit on the map
Ground area
3,057 m²
Building footprint
1,640 m²
Parcel 92136B0017/00G003, Wallonia. Linked by address, not a title deed.
1 establishment unit
A. Construct
Chaussée de Marche(WD) 839, 5100 NamurSpecialised construction activities
since 20172.266.644.035
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92136B0017/00G003 Wallonia 3,057 m² 1 · 1,640 m² -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded12-06-2017
Fiscal year end31-12
Contact
E-mail a.construct@hotmail.comNamur
Phone 0485-042411Namur
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.