A3 Construct
ActiveSummary
A3 Construct has been active since 2024 and the Belgian Official 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 9,044 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Overview
- Equity
- €37,745
- Profit
- €34,745
Why 70raises riskFounded in 2024Size: total assets €44,852Sector: Construction of residential and non-residential buildings (NACE 41)lowers riskLiquidity: current ratio 6.31, cash €40,227Show the evidence
Checked score
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 92% on solvency, 95% on liquidity and 91% on profitability.
The bankruptcy probability was computed on 11-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
Financials · financial year 2025, micro format
Turnover and EBIT margin not published: the micro format does not require them.
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,468 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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 39,278 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.
| Line | 2025 |
|---|---|
| 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 |
| Line | 2025 | |
|---|---|---|
| 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 | |
| Line | 2025 |
|---|---|
| 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.
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
About the unread acts
We know of 1 Belgian Official Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 12 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 1014.656.424
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 53008B0179/00E002 | Wallonia | 559 m² | 1 · 64 m² | 10.6 m · 3 |