Active BE 0883.960.604Private limited company

A3-construct

Heuvelstraat 58 B ·3090 Overijse, Belgium· 19 yrs active

Sector: Laying of wooden floor and wall coverings (43332)

Conclusion Checked

A3-construct has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €-17k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 26547 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€3k
Net result	€-17k
Better than sector	10%
Active	19 yrs

Financial profile 5 of 5 axes measured · computed by Checked

38 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 10

Profitability 0

Solvency 1

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.0% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2006, 19 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

10 / 100 Critical

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

No credit

negative equity or figures too weak

Score history

10 2021

51 2022

51 2023

2 2024

10 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 0.17 (< 1.0) -10

Quick ratio Quick ratio 0.07 (< 0.6) -5

Leverage Debt/equity 105.54 (> 3.0) -10

Profitability Negatieve ROE -642% -10

Interest coverage Interest coverage 0.4× (< 1.5×) -10

Profit trend Net profit up YoY +5

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview19 NBB filings

Annual accounts filed on 24-02-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	0.9%	47.4%	better than 10% of 26547 sector peers
Net result	€-17k	€10k	better than 8% of 26539 sector peers
Equity	€3k	€60k	better than 10% of 26557 sector peers
Gross operating margin	€5k	€39k	better than 15% of 26517 sector peers
Total assets	€284k	€141k	better than 73% of 26551 sector peers

EBITDA

€4k

+6.3% 21-25

Net profit

€-17k

+34.9% 21-25

Cash flow

€-4k

+48.3% 21-25

Total assets

€284k

-1.1% 21-25

Equity

€3k

-86.5% 21-25

Working capital

€-104k

+26.5% 21-25

Income taxes

€451

-74.0% 21-25

Debt

€281k

+5.3% 21-25

Debt ≤ 1y

€125k

-23.1% 21-25

Debt > 1y

€155k

+47.2% 21-25

Current ratio

0.17

+30.0% 21-25

Quick ratio

0.07

-4.0% 21-25

Solvency

0.9%

-86.4% 21-25

Debt / equity

105.54

+681.4% 21-25

ROE

-642.4%

-383.4% 21-25

ROA

-6.0%

+34.2% 21-25

Interest coverage

0.45

+32.1% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€4k	€4k	€58k	€48k	€-20k
Net profit	€-17k	€-26k	€31k	€31k	€-38k
Cash flow	€-4k	€-9k	€49k	€47k	€-27k
Staff costs	-	-	-	-	-
Income taxes	€451	€2k	€3k	-	€379
Dividends	-	-	-	-	-
Total assets	€284k	€287k	€277k	€187k	€157k
Equity	€3k	€20k	€46k	€15k	€-15k
Debt	€281k	€267k	€231k	€171k	€172k
of which ≤ 1y	€125k	€162k	€159k	€160k	€133k
of which > 1y	€155k	€105k	€72k	€11k	€39k
Working capital	€-104k	€-141k	€-94k	€-119k	€-125k
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	0.17	0.13	0.41	0.26	0.06
Quick ratio	0.07	0.07	0.41	0.26	0.06
Working capital ratio	-36.5%	-49.2%	-34.0%	-63.6%	-79.8%
Solvency	0.9%	6.9%	16.7%	8.3%	-9.6%
Debt / equity	105.54	13.51	5.00	11.07	-11.45
Long-term debt ratio	58.01	5.31	1.55	0.73	-2.61
Interest coverage	0.45	0.34	9.59	32.81	-3.21
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	-6.0%	-9.2%	11.1%	16.3%	-24.0%
ROE	-642.4%	-132.9%	66.4%	197.1%	250.7%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €263k · 92.6% Current assets €21k · 7.4%

Equity & liabilities

Equity €3k · 0.9% Debt €281k · 99.1%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€284k	€287k	€277k	€187k	€157k
Fixed assets	21/28	€263k	€266k	€212k	€146k	€150k
Tangible fixed assets	22/27	€256k	€260k	€207k	€142k	€146k
Financial fixed assets	28	€6k	€6k	€5k	€4k	€3k
Current assets	29/58	€21k	€21k	€65k	€41k	€8k
Stocks & contracts in progress	3	€13k	€10k	-	-	-
Amounts receivable within one year	40/41	€3k	€10k	€15k	€41k	€4k
Cash & bank	54/58	€2k	€613	€50k	-	€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€284k	€287k	€277k	€187k	€157k
Equity	10/15	€3k	€20k	€46k	€15k	€-15k
Contributions / capital	10/11	€6k	€6k	€6k	€6k	€6k
Reserves	13	€2k	€2k	€2k	€2k	€2k
Accumulated profits (losses)	14	€-5k	€12k	€38k	€7k	€-23k
Amounts payable	17/49	€281k	€267k	€231k	€171k	€172k
Amounts payable after one year	17	€155k	€105k	€72k	€11k	€39k
Amounts payable within one year	42/48	€125k	€162k	€159k	€160k	€133k
Trade debts payable within one year	44	€66k	€70k	€55k	€20k	€5k
Income statement
Gross operating margin	9900	€5k	€12k	€59k	€50k	€-19k
Operating result	9901	€-9k	€-14k	€39k	€32k	€-31k
Financial income	75	€633	-	€1	-	-
Financial charges	65	€8k	€10k	€6k	€1k	€6k
Result before taxes	9903	€-17k	€-25k	€33k	€31k	€-37k
Income taxes	67/77	€451	€2k	€3k	-	€379
Net result for the period	9904	€-17k	€-26k	€31k	€31k	€-38k
Result to be appropriated	9905	€-17k	€-26k	€31k	€31k	€-38k

Legal Structure

NACE primary	Laying of wooden floor and wall coverings(43332)
Legal form	Private limited company(610)
Incorporation	04-10-2006
Status	Active
Postal code	3090

Establishment units 1 location

A3 Construct

Heuvelstraat 58B, 3090 OverijseNACE 45432

since 20062.157.332.656

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23544D0189/00L002	Flanders	863 m²	1 · 191 m²	10.0 m · 2 fl.

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.

Updates 10 events

All 12Financial 2Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

24-02

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

24-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

16-05

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2021net €31k ▲0.2%

Operating result €39k, net result €31k, both a record.

04-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Back to profitnet €31k

Net result €31k after one loss-making year.

04-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 65 days late

2021

19-05

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

25-05

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

25-03

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

07-05

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

07-06

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 3 acts read

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.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Laying of wooden floor and wall coverings4333245432General construction of residential buildings4100145211

Names & trade names

Legal nameNL

A3-construct

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