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A3 Construct

Active
Private limited companyfounded 20241 yr activeAvenue de France 289B, 7380 Quiévrain, BelgiumKBO/BCE: BE 1014.656.424
Summary

A3 Construct has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37,745 and a net result of €34,745. Its solvency ranks better than 91% of 7625 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Checked score

Score 2025
Axes
Profitability100
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 6.31; short-term debt: 15.8% and cash: 89.7% of total assets), and 15.8% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 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
84.2%
Return on assets
77.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 31-07-2026, 0 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
on the day
← before the deadline after the deadline →
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

A3 Construct was incorporated on 4 October 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

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

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Financials · fiscal year 2025, micro schema

Equity
€37,745
Total assets
€44,852
Net result
€34,745
Working capital
€37,745

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Equity and liabilities €44,852
Equity €37,745
Debt €7,107
Debt finances 15.8% of the balance-sheet total.
Key figures and ratios
2025 value
Current ratio
6.31
Debt to equity
0.19
ROE
92.1%
ROA
77.5%
Debt ≤ 1 year
€7,107
Income taxes
€13,110

Peer companies

Historical observation

Of the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

For this company itself Checked computes a higher bankruptcy probability: 1.3% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

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 11,280 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 · 33 lines
Balance sheet Code2025
Assets
Total assets20/58€44,852
Current assets29/58€44,852
Amounts receivable within one year40/41€3,386
Trade receivables40€500
Other amounts receivable41€2,886
Cash at bank and in hand54/58€40,227
Deferred charges and accrued income490/1€1,239
Equity and liabilities
Total equity and liabilities10/49€44,852
Equity10/15€37,745
Contributions10/11€3,000
Reserves13€34,745
Distributable reserves133€34,745
Amounts payable17/49€7,107
Amounts payable within one year42/48€7,107
Trade debts44€2,577
Suppliers440/4€2,577
Taxes, remuneration and social security45€4,500
Taxes450/3€4,500
Other amounts payable47/48€30
Income statement Code2025
Other operating charges640/8€199
Gross operating margin9900€48,227
Operating profit (loss)9901€48,028
Financial income75/76B€4
Recurring financial income75€4
Financial charges65/66B€178
Recurring financial charges65€178
Profit (loss) for the period before taxes9903€47,855
Income taxes67/77€13,110
Profit (loss) for the period9904€34,745
Profit (loss) for the period to be appropriated9905€34,745
Appropriation of the result
Profit (loss) to be appropriated9906€34,745
Transfer to equity691/2€34,745
To other reserves6921€34,745

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

Line2025
Other operating charges640/8€199
Gross operating margin9900€48,227
Operating profit (loss)9901€48,028
Financial income75/76B€4
Recurring financial income75€4
Financial charges65/66B€178
Recurring financial charges65€178
Profit (loss) for the period before taxes9903€47,855
Income taxes67/77€13,110
Profit (loss) for the period9904€34,745
Profit (loss) for the period to be appropriated9905€34,745
Line2025
Assets
Total assets20/58€44,852
Current assets29/58€44,852
Amounts receivable within one year40/41€3,386
Trade receivables40€500
Other amounts receivable41€2,886
Cash at bank and in hand54/58€40,227
Deferred charges and accrued income490/1€1,239
Equity and liabilities
Total equity and liabilities10/49€44,852
Equity10/15€37,745
Contributions10/11€3,000
Reserves13€34,745
Distributable reserves133€34,745
Amounts payable17/49€7,107
Amounts payable within one year42/48€7,107
Trade debts44€2,577
Suppliers440/4€2,577
Taxes, remuneration and social security45€4,500
Taxes450/3€4,500
Other amounts payable47/48€30
Line2025
Profit (loss) for the period9904€34,745
Operating cash flow (approximation)€34,745

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

2026
31-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Quiévrain
exact location from the address register On OpenStreetMap
Ground area
559 m²
Building footprint
64 m²
Volume, LiDAR
549 m³
Parcel 53008B0179/00E002, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53008B0179/00E002 Wallonia 559 m² 1 · 64 m² 10.6 m · 3 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.

Similar companies · same sector, comparable size

Of 29,766 companies in this sector we hold annual accounts for 16,066. 12,807 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded04-10-2024
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43110Demolition
43240Other construction installation
43350Other building finishing work
43910Bricklaying and masonry work
E-invoicing
Reachable via Peppol
Peppol ID 0208:1014656424
Also 9925:BE1014656424
Registered 13-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

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