Checked.be
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
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
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)
Risk Assessment
0 / 100
Low riskTrust 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 Flags
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
10
/ 100
Critical
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 overview
Annual accounts filed on 24-02-2026 with the NBB · fiscal year 2025 · micro schema
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% | |
| Net result | €-17k | €10k | |
| Equity | €3k | €60k | |
| Gross operating margin | €5k | €39k | |
| Total assets | €284k | €141k |
€4k
+6.3%
21-25
€-17k
+34.9%
21-25
€-4k
+48.3%
21-25
€284k
-1.1%
21-25
€3k
-86.5%
21-25
€-104k
+26.5%
21-25
€451
-74.0%
21-25
€281k
+5.3%
21-25
€125k
-23.1%
21-25
€155k
+47.2%
21-25
0.17
+30.0%
21-25
0.07
-4.0%
21-25
0.9%
-86.4%
21-25
105.54
+681.4%
21-25
-642.4%
-383.4%
21-25
-6.0%
+34.2%
21-25
0.45
+32.1%
21-25
Figures by fiscal year and ratios
Change versus the prior fiscal year, coloured by direction (green = favourable).
| Fiscal year | 2025 Δ | 2024 Δ | 2023 Δ | 2022 Δ | 2021 Δ |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | +6.3% | -93.9% | +18.9% | - | - |
| Net profit | +34.9% | - | +0.2% | - | - |
| Cash flow | +48.3% | - | +3.7% | - | - |
| Staff costs | - | - | - | - | - |
| Income taxes | -74.0% | -39.7% | - | - | - |
| Dividends | - | - | - | - | - |
| Total assets | -1.1% | +3.7% | +48.0% | +19.0% | - |
| Equity | -86.5% | -57.1% | +197.4% | - | - |
| Debt | +5.3% | +15.9% | +34.5% | -0.4% | - |
| of which ≤ 1y | -23.1% | +2.0% | -0.7% | +20.5% | - |
| of which > 1y | +47.2% | +46.6% | +533.0% | -71.2% | - |
| Working capital | +26.5% | -50.1% | +20.9% | +5.1% | - |
| 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
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
A3 Construct
since 20062.157.332.656
Real-estate footprint
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
Next filing, fiscal year 2026, expected by
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
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
Company registry (CBE)
Activities
Laying of wooden floor and wall coverings4333245432General construction of residential buildings4100145211
Names & trade names
| Legal nameNL | A3-construct |
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