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A&V CONSTRUCT

Active
Private limited companyfounded 20196 yrs activeErnest Claesstraat 113, 3271 Scherpenheuvel-Zichem, BelgiumKBO/BCE: BE 0736.399.749
Summary

The computed 12-month bankruptcy probability of A&V CONSTRUCT is 1.9% (moderate). The 2025 annual accounts show equity of €235,583 and a net result of €93,374. Equity is growing by ~53.6% per year across the filed fiscal years. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability100▲+63
Solvency100▲+57
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €17,000 at 30 days acceptable
Liquidity ample (current ratio 5.64 against 8.12 in 2024; short-term debt: 17.7% and cash: 0.1% of total assets), and 17.7% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 6 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
82.3%
Return on assets
32.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
2 d early
2024
2 d early
2023
1 d early
2022
on the day
2021
2 d early
2020
2 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 2 days before 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 (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.
Companies Code · seven months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
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&V CONSTRUCT was incorporated on 15 October 2019 as a Private limited company.1 Total assets fell from EUR 476,147 in 2020 to EUR 286,401 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2020 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€235,583▲ 65.7%
2024 · €142,209
Total assets
€286,401▼ 64.7%
2024 · €812,294
Net result
€93,374
2024 · -€2,277
Working capital
€235,583▼ 66.9%
2024 · €712,209
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
Line20212022202320242025
Operating result€79,400-€7,013€116,292-€2,075€169,228
Net result€54,152-€7,013€79,475-€2,277€93,374
Equity€72,024▲ 303%€65,011▼ 9.7%€144,486▲ 122%€142,209▼ 1.6%€235,583▲ 65.7%
Total assets€262,542▼ 44.9%€262,370▼ 0.1%€832,841▲ 217%€812,294▼ 2.5%€286,401▼ 64.7%
Debt€190,518▼ 58.4%€197,359▲ 3.6%€688,356▲ 249%€670,085▼ 2.7%€50,818▼ 92.4%
Working capital€72,024▲ 303%€65,011▼ 9.7%€714,486▲ 999%€712,209▼ 0.3%€235,583▼ 66.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€50,000€0€50,000€100,000€150,000Operating result 2021: €79,400€79,400Net result 2021: €54,152€54,152Operating result 2022: -€7,013-€7,013Net result 2022: -€7,013-€7,013Operating result 2023: €116,292€116,292Net result 2023: €79,475€79,475Operating result 2024: -€2,075-€2,075Net result 2024: -€2,277-€2,277Operating result 2025: €169,228€169,228Net result 2025: €93,374€93,37420212022202320242025-€50,000€0€50,000€100,000€150,000Operating result 2023: €116,292€116,000Net result 2023: €79,475€79,500Operating result 2024: -€2,075-€2,080Net result 2024: -€2,277-€2,280Operating result 2025: €169,228€169,000Net result 2025: €93,374€93,400202320242025
The operating result returns to profit in 2025: €169,228 after a loss of €2,075 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €286,401
Equity €235,583 ▲ 65.7%
Debt €50,818 ▼ 92.4%
Debt's share of the balance-sheet total falls from 82.5% to 17.7%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
Current ratio
5.64▼
2024 · 8.12
Debt to equity
0.22▼
2024 · 4.71
ROE
39.6%▲
2024 · -1.6%
ROA
32.6%▲
2024 · -0.3%
Debt ≤ 1 year
€50,818▼
2024 · €100,085
Income taxes
€45,818
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.5% went bankrupt
3.4% stopped otherwise
95% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 26,964 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 33 lines
Balance sheet Code20242025
Assets
Total assets20/58€812,294€286,401▼
Current assets29/58€812,294€286,401▼
Stocks and contracts in progress3€789,361-
Stocks30/36€789,361-
Amounts receivable within one year40/41€22,736€286,029▲
Other amounts receivable41€22,736€286,029▲
Cash at bank and in hand54/58€197€372▲
Equity and liabilities
Total equity and liabilities10/49€812,294€286,401▼
Equity10/15€142,209€235,583▲
Contributions10/11€20,000€20,000=
Reserves13€124,486€215,583▲
Distributable reserves133€124,486€215,583▲
Profit (loss) carried forward14-€2,277-
Amounts payable17/49€670,085€50,818▼
Amounts payable after more than one year17€570,000-
Financial debts170/4€570,000-
Amounts payable within one year42/48€100,085€50,818▼
Taxes, remuneration and social security45€36,276€45,818▲
Taxes450/3€36,276€45,818▲
Other amounts payable47/48€63,809€5,000▼
Income statement Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900-€1,688€169,628▲
Operating profit (loss)9901-€2,075€169,228▲
Financial charges65/66B€202€30,037▲
Recurring financial charges65€202€30,037▲
Profit (loss) for the period before taxes9903-€2,277€139,192▲
Income taxes67/77-€45,818
Profit (loss) for the period9904-€2,277€93,374▲
Profit (loss) for the period to be appropriated9905-€2,277€93,374▲
Appropriation of the result
Profit (loss) to be appropriated9906-€2,277€91,097▲
Profit (loss) brought forward from the previous period14P--€2,277
Transfer to equity691/2-€91,097
To other reserves6921-€91,097

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Other operating charges640/8€341€348€384€387€400▲ 3.2%
Gross operating margin9900€79,740-€6,665€116,677-€1,688€169,628▲ 10,150%
Operating profit (loss)9901€79,400-€7,013€116,292-€2,075€169,228▲ 8,255%
Financial charges65/66B€970-€541€202€30,037▲ 14,789%
Recurring financial charges65€970-€541€202€30,037▲ 14,789%
Profit (loss) for the period before taxes9903€78,430-€7,013€115,751-€2,277€139,192▲ 6,213%
Income taxes67/77€24,278-€36,276-€45,818-
Profit (loss) for the period9904€54,152-€7,013€79,475-€2,277€93,374▲ 4,201%
Profit (loss) for the period to be appropriated9905€54,152-€7,013€79,475-€2,277€93,374▲ 4,201%
Line20212022202320242025Change
Assets
Total assets20/58€262,542€262,370€832,841€812,294€286,401▼ 64.7%
Current assets29/58€262,542€262,370€832,841€812,294€286,401▼ 64.7%
Stocks and contracts in progress3€262,188€262,188€753,948€789,361--
Stocks30/36€262,188€262,188€753,948€789,361--
Amounts receivable within one year40/41---€22,736€286,029▲ 1,158%
Other amounts receivable41---€22,736€286,029▲ 1,158%
Cash at bank and in hand54/58€355€182€78,893€197€372▲ 88.7%
Equity and liabilities
Total equity and liabilities10/49€262,542€262,370€832,841€812,294€286,401▼ 64.7%
Equity10/15€72,024€65,011€144,486€142,209€235,583▲ 65.7%
Contributions10/11€20,000€20,000€20,000€20,000€20,000=
Reserves13€52,024€52,024€124,486€124,486€215,583▲ 73.2%
Distributable reserves133€52,024€52,024€124,486€124,486€215,583▲ 73.2%
Profit (loss) carried forward14--€7,013--€2,277--
Amounts payable17/49€190,518€197,359€688,356€670,085€50,818▼ 92.4%
Amounts payable after more than one year17--€570,000€570,000--
Financial debts170/4--€570,000€570,000--
Amounts payable within one year42/48€190,518€197,359€118,356€100,085€50,818▼ 49.2%
Taxes, remuneration and social security45€24,278€24,278€36,276€36,276€45,818▲ 26.3%
Taxes450/3€24,278€24,278€36,276€36,276€45,818▲ 26.3%
Other amounts payable47/48€166,240€173,081€82,079€63,809€5,000▼ 92.2%
Line20212022202320242025Change
Profit (loss) for the period9904€54,152-€7,013€79,475-€2,277€93,374▲ 4,201%
Operating cash flow (approximation)€54,152-€7,013€79,475-€2,277€93,374▲ 4,201%
Change in cash--€173€78,711-€78,696€175▲ 100%

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

Next filing, fiscal year 2026, expected by 31-07-2027
2026
29-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Back to profitnet €93,374
Net result €93,374 after one loss-making year.
31-12
Financial Equity above €200,000Eq €235,583 ▲65.7%
Equity rises from €142,209 to €235,583.
29-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Back to profitnet €79,475
Net result €79,475 after one loss-making year.
31-12
Financial Liquidity times 5current ratio 7.04
Current ratio from 1.33 to 7.04; short-term debt falls from €197,359 to €118,356.
31-12
Financial Equity above €100,000Eq €144,486 ▲122%
Equity rises from €65,011 to €144,486.
31-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Weakest financial yearnet -€7,013
Net result drops to -€7,013, the lowest in the series; recovery starts the following year.
29-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial Back to profitnet €54,152
Net result €54,152 after one loss-making year.
29-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Scherpenheuvel-Zichem · 1 establishment unit since 2020
seat establishment The establishment unit on the map
Ground area
2,709 m²
Building footprint
862 m²
Volume, LiDAR
3,503 m³
Parcel 24129B0059/00C000, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
4 companies at this address See who is registered here
1 establishment unit
A&V CONSTRUCT
Ernest Claesstraat 113, 3271 Scherpenheuvel-ZichemManufacture of fabricated metal products, except machinery and equipment
since 20202.299.941.165
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24129B0059/00C000 Flanders 2,709 m² 1 · 862 m² 6.8 m · 1 fl.
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
Founded15-10-2019
Fiscal year end31-12
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.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 27 September 2026 · Peppol Directory

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