AB CONSTRUCTIEF
ActiveSummary
AB CONSTRUCTIEF has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €214,825 and a net result of €33,577. Equity is growing by about 32% per year across the filed financial years. Its solvency ranks better than 91% of 39,184 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Equity
- €214,825
- Profit
- €33,577
- Mombers-Schepers AnneliesDirector
- Nagels BartDirector
Why 97lowers riskLiquidity: current ratio 11.30, cash €203,264Equity €214,825 (91.8% of total assets)Sector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €234,120Show the evidence
Checked score
Fewer than 1 in 1,000 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 70, micro): better than 86% on solvency, 97% on liquidity, 55% on profitability and 65% on growth.
The bankruptcy probability was computed on 29-10-2026 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
This company filed its last 7 accounts on average 33 days before the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Equity above €200,000equity €214,825 ▲18.5%
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result recovers in 2025; 2025 is 20% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 70, Activities of head offices; management consultancy activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 31,368 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93.5% are still going.
- Micro
- 20 years or older
- 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 < 0.1% 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 497,445 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% | 0.9% |
| 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 74.5% 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 31,368 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 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €4,399 | €4,744 | €8,052 | €16,209 | €16,590 | €13,311 | €13,445 | ▲ 1.0% |
| Other operating charges640/8 | - | - | - | €1,197 | €560 | €917 | €948 | €990 | ▲ 4.5% |
| Gross operating margin9900 | €12,059 | €27,253 | €56,669 | €44,739 | €91,574 | €69,367 | €53,068 | €60,859 | ▲ 14.7% |
| Operating profit (loss)9901 | €10,902 | €21,065 | €50,735 | €35,490 | €74,805 | €51,860 | €38,810 | €46,424 | ▲ 19.6% |
| Financial income75/76B | - | - | - | €90 | €0 | €448 | €1,404 | €1,108 | ▼ 21.1% |
| Recurring financial income75 | €0 | - | €36 | €90 | €0 | €448 | €1,404 | €1,108 | ▼ 21.1% |
| Financial charges65/66B | - | - | - | €399 | €613 | €535 | €415 | €266 | ▼ 35.8% |
| Recurring financial charges65 | €61 | €233 | €305 | €399 | €613 | €535 | €415 | €266 | ▼ 35.8% |
| Profit (loss) for the period before taxes9903 | €10,841 | €20,832 | €50,467 | €35,181 | €74,192 | €51,773 | €39,799 | €47,265 | ▲ 18.8% |
| Income taxes67/77 | €130 | €217 | €14,232 | €10,434 | €20,964 | €14,925 | €11,388 | €13,688 | ▲ 20.2% |
| Profit (loss) for the period9904 | €10,711 | €20,615 | €36,234 | €24,747 | €53,228 | €36,847 | €28,411 | €33,577 | ▲ 18.2% |
| Transfer from tax-exempt reserves789 | - | - | - | €0 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €10,711 | €20,615 | €36,769 | €24,747 | €53,228 | €36,847 | €28,411 | €33,577 | ▲ 18.2% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €3,366 | €51,264 | €71,393 | €130,506 | €181,014 | €202,423 | €209,232 | €234,120 | ▲ 11.9% |
| Fixed assets21/28 | - | €16,251 | €13,662 | €63,556 | €47,347 | €34,737 | €28,528 | €16,533 | ▼ 42.0% |
| Tangible fixed assets22/27 | - | €16,251 | €13,662 | €63,556 | €47,347 | €34,737 | €28,528 | €16,533 | ▼ 42.0% |
| Furniture and vehicles24 | - | - | - | €60,124 | €44,736 | €32,948 | €27,560 | €16,387 | ▼ 40.5% |
| Other tangible fixed assets26 | - | - | - | €3,433 | €2,611 | €1,789 | €968 | €146 | ▼ 84.9% |
| Current assets29/58 | €3,366 | €35,013 | €57,731 | €66,950 | €133,667 | €167,686 | €180,703 | €217,587 | ▲ 20.4% |
| Amounts receivable within one year40/41 | €1,944 | €16,124 | €16,464 | €20,270 | €39,943 | €31,548 | €19,813 | €12,707 | ▼ 35.9% |
| Trade receivables40 | - | - | - | €12,528 | €39,943 | €31,339 | €15,564 | €12,707 | ▼ 18.4% |
| Other amounts receivable41 | - | - | - | €7,742 | €1 | €209 | €4,249 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €1,422 | €18,463 | €29,176 | €45,415 | €92,373 | €135,642 | €159,375 | €203,264 | ▲ 27.5% |
| Deferred charges and accrued income490/1 | - | - | - | €1,265 | €1,351 | €496 | €1,516 | €1,616 | ▲ 6.6% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €3,366 | €51,264 | €71,393 | €130,506 | €181,014 | €202,423 | €209,232 | €234,120 | ▲ 11.9% |
| Equity10/15 | -€5,234 | €15,381 | €51,616 | €76,362 | €129,590 | €166,437 | €181,248 | €214,825 | ▲ 18.5% |
| Contributions10/11 | €13,600 | €13,600 | - | €13,600 | €13,600 | €13,600 | €0 | - | - |
| Reserves13 | €4,313 | €4,313 | €38,016 | €62,762 | €115,990 | €152,837 | €181,248 | €214,825 | ▲ 18.5% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €0 | - | - | - |
| Tax-exempt reserves132 | - | - | - | €1,918 | €1,918 | €1,918 | €1,918 | €1,918 | = |
| Distributable reserves133 | - | - | - | €58,984 | €112,212 | €150,919 | €179,330 | €212,907 | ▲ 18.7% |
| Profit (loss) carried forward14 | -€23,147 | -€2,532 | - | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €8,600 | €35,882 | €19,777 | €54,144 | €51,424 | €35,986 | €27,983 | €19,294 | ▼ 31.0% |
| Amounts payable after more than one year17 | - | €10,284 | €3,447 | €39,127 | €26,514 | €17,249 | €7,883 | €0 | ▼ 100% |
| Financial debts170/4 | - | - | - | €39,127 | €26,514 | €17,249 | €7,883 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €8,600 | €25,542 | €16,274 | €14,979 | €24,872 | €18,699 | €20,063 | €19,257 | ▼ 4.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | €9,068 | €9,166 | €9,266 | €9,366 | €7,883 | ▼ 15.8% |
| Trade debts44 | €438 | - | €332 | €1,728 | €172 | €326 | €1,187 | €411 | ▼ 65.4% |
| Suppliers440/4 | - | - | - | €1,728 | €172 | €326 | €1,187 | €411 | ▼ 65.4% |
| Taxes, remuneration and social security45 | - | - | - | €4,184 | €14,204 | €7,903 | €8,191 | €9,818 | ▲ 19.9% |
| Taxes450/3 | - | - | - | €4,184 | €14,204 | €7,903 | €8,191 | €9,818 | ▲ 19.9% |
| Other amounts payable47/48 | - | - | - | - | €1,331 | €1,205 | €1,319 | €1,145 | ▼ 13.2% |
| Accrued charges and deferred income492/3 | - | - | - | €37 | €37 | €37 | €37 | €37 | = |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,711 | €20,615 | €36,234 | €24,747 | €53,228 | €36,847 | €28,411 | €33,577 | ▲ 18.2% |
| + Depreciation and write-downs630 | - | €4,399 | €4,744 | €8,052 | €16,209 | €16,590 | €13,311 | €13,445 | ▲ 1.0% |
| Operating cash flow (approximation) | €10,711 | €25,015 | €40,979 | €32,799 | €69,437 | €53,437 | €41,722 | €47,022 | ▲ 12.7% |
| Investment in fixed assets (approximation) | - | - | -€2,156 | -€57,947 | €0 | -€3,980 | -€7,102 | -€1,450 | ▲ 79.6% |
| Change in cash | - | €17,042 | €10,713 | €16,239 | €46,958 | €43,270 | €23,732 | €43,889 | ▲ 84.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 24 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 10-07-2026 | 2026-00276892 |
| 31-12-2024 | micro format | 26-06-2025 | 2025-00180078 |
| 31-12-2023 | micro format | 10-06-2024 | 2024-00117595 |
| 31-12-2022 | micro format | 06-07-2023 | 2023-00207957 |
| 31-12-2021 | micro format | 05-07-2022 | 2022-20132192 |
| 31-12-2020 | abbreviated format | 08-06-2021 | 2021-17800060 |
| 31-12-2019 | abbreviated format | 09-07-2020 | 2020-27600596 |
| 31-12-2018 | abbreviated format | 13-06-2019 | 2019-17700439 |
| 31-12-2017 | abbreviated format | 26-07-2018 | 2018-37600206 |
| 31-12-2016 | abbreviated format | 28-08-2017 | 2017-48000504 |
Similar companies · same sector, comparable size
Subsidies and aid
Flemish government
2023 · 1 entry · €269 awarded · €269 paidPublic contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Mombers-Schepers Annelies |
|
| Nagels Bart |
|
Owners and capital
Capital and shareholders
- 23-11-2023 Converted to unavailable equity
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
23-11
Gazette deed
Resignations: Nagels Bart (director) and Mombers-Schepers Annelies (director)Reappointments: Nagels Bart (director) and Mombers-Schepers Annelies (director) · Purpose change · Amendment of the articles22 facts ▸
- General meeting, 08-11-2023
- Other provision, “eenparigheid van stemmen, vrijstelling voorlezing verslag bestuursorgaan” (deed in Dutch)
- Purpose change
- Amendment of the articles, “Inbreng in geld met uitgifte van nieuwe aandelen – recht van voorkeur” (deed in Dutch)
- Amendment of the articles, “Aard van de aandelen” (deed in Dutch)
- Amendment of the articles, “Uittreding en uitsluiting van aandeelhouders” (deed in Dutch)
- Amendment of the articles (2 times)
- Amendment of the articles, “interimdividend” (deed in Dutch)
- Other provision, “aanpassing statuten aan WVV en behoud rechtsvorm, statuten aanpassen aan bepalingen WVV en rechtsvorm besloten vennootschap (afgekort BV) behouden” (deed in Dutch)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “vormen en meerderheden statutenwijziging, statutair onbeschikbare eigen vermogensrekening opheffen en middelen beschikbaar maken voor uitkering” (deed in Dutch)
- Other provision, “opheffing volstortingsplicht niet-opgevraagde inbreng, eenparig opheffing verleend van verdere volstorting” (deed in Dutch)
- +10 further facts in this act
Show earlier events
About the unread acts
Of the 3 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 2 have 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 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 24097F0061/00E002 | Flanders | 1,281 m² | 1 · 198 m² | 7.3 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Het uitvoeren en/of coördineren van algemene aannemingen,het bouwen en verbouwen,het onderhoud,de uitrusting,de inrichting,de versiering,de…” (deed in Dutch)
36 activities (deed in Dutch)
- Het uitvoeren en/of coördineren van algemene aannemingen,het bouwen en verbouwen,het onderhoud,de uitrusting,de inrichting,de versiering,de omvorming,de hernieuwing,de expertises en het reinigen en/of herstellen van alle zogenaamde onroerende goedeeren,parken en beplantingen.
- De studie en uitvoering van thermische en akoestische isolatiewerken omvat ook de aankoop,verkoop,verhuring en de handel in het algemeen van alle producten en materialen hiervoor noodzakelijk.
- Alle schattingen en alle arbitrage,van welke aard ook op tegenspraak of niet,evenals alle verrichtingen die ze kunnen voorbereiden of die er kunnen uit voortvloeien en alle werken behorende tot het beroep van landmeter,van architect,van expert in onroerende goederen.
- Ze zal namelijk industriële,onroerende,boekhoudkundige,fiscale of andere schattingen mogen doen,alle regelingen uitvoeren van onheilen inzake brand,diefstal,verlies van winsten,schade door oorlogsfeiten of andere,zowel voor haar rekening van derden,ze verwezenlijken of ze uitvoeren onder welke vorm ook,handelen als technisch raadgever of inzake onroerende goederen.
- Alsook wordt voorzien de coördinatie van alle onderaannemingen,het aannemen en uitvoeren van alle metsel- en betonwerken,dakwerken,terrassen en patio’s,timmerwerken,leveren en plaatsen van hout en metalen spanten,trappen,deuren,scheidingswanden en vloeren,alle dakbedekkingswerken zowel met asfalt als met metalen –en niet-metalen materialen,vochtwerings- en beschermingswerken,vloer- en tegelwerken,plafonneringswerken en cementeringswerken,beglazingswerken,sanitaire installaties in onderhoudswerken.
- Het plaatsen en inrichten,onderhouden en herstellen van speciale installaties zoals het inrichten van fabrieken,werkplaatsen,pompstations,koelinstallaties enzovoort.
- De vennootschap kan advies verlenen van financiële,commerciële of administratieve aard;verwerken van ter hand gestelde gegevens van klanten in de ruimste zin van het woord;consultaties omtrent ontwikkeling van informaticasystemen;begeleiding bij de keuze van computerapparatuur;opstarten van systemen en begeleiding van het personeel.
- Het optreden als tussenpersoon bij onderhandelingen,het uitvoeren van opdrachten en functies in andere vennootschappen en ondernemingen.
- Studies van informatica,t.t.z.het vervaardigen van programma’s,de aan- en verkoop van alle computers,bureelmachines en toebehoren,met inbegrip van herstellingen en onderhoud.
- Agentschap financiële instellingen,tussenpersoon kredieten,onafhankelijk verzekeringsmakelaar.
- Psychologische begeleiding,psychotherapie en coaching in de meest ruime zin en dit zowel individueel als voor groepen,zowel voor privé personen als in het bedrijfsleven.
- Overige geestelijke gezondheidszorg.
- Het geven van opleidingen in deze sector.
- Zorg voor human resource management/personeel,managementactiviteiten en advies,waaronder werving en selectie,payrollservices,training,coaching,ontwikkeling,carrièrebijstand,competentiemanagement,outplacement en algemene HR-projecten voor bedrijven,personeelsleden van het bedrijf of individuen.
- Administratieve dienstverlening in de meest ruime zin,consultancy en adviezen aan personen en bedrijven,met betrekking tot onder meer human resources,bedrijfsbeheer,management,marketing en alles wat daar rechtstreeks of onrechtstreeks verband mee houdt.
- Uitvoeren van alle werkzaamheden in verband met het ICT-gebeuren.
- Computerconsultancy-activiteiten.
- Gegevensverwerking,webhosting en aanverwante activiteiten.
- Al dan niet permanent verwerken van gegevens met behulp van een eigen programma of een programma van de klant:invoeren van gegevens,volledige verwerking van gegevens.
- Webportalen,aankoop,verkoop,verhuur,installatie,ontwikkeling en onderhoud van software.
- Aankoop,verkoop,verhuur,installatie,ontwikkeling en onderhoud van netwerken (netwerkbeheer),computers,printers,hardware,enzovoort
- Helpdeskactiviteiten,consultancy en advies.
- Het onderzoek,de ontwikkeling,de vervaardiging of commercialisering van nieuwe producten,nieuwe technologieën en hun toepassingen.
- Berekenen van de kosten en baten van de voorgestelde maatregelen op het gebied van planning,organisatie,efficiëntie enz.
- Algemene audit-activiteiten.
- Markt- en opinieonderzoekbureaus.
- Onderzoek naar de omvang van de markt voor bepaalde producten,de ontvangst en de bekendheid van producten en koopgewoonten,met het oog op verkoopbevordering en ontwikkeling van nieuwe producten.
- Adviesbureau op het gebied van public relations,IT,communicatie.
- Alle zakelijke dienstverleningen
- De vennootschap mag tevens alle roerende,onroerende,industriële,commerciële,burgerlijke,financiële,handelsnijverheids,bedrijfstechnische en bedrijfseconomische verrichtingen stellen,zowel voor eigen rekening als voor rekening van derden;
- De vennootschap mag haar voorwerp zowel in België als in het buitenland uitoefenen en nastreven.
- Zowel rechtstreeks als door vertegenwoordiging,deelneming,associatie,samensmelting,concessie of mandaat,zowel voor eigen rekening als voor rekening van derden.
- De venootschap zal zich mogen interesseren door middel van inbreng,fusie,deelname of op andere wijze in alle bestaande of op te richten vennootschappen of ondernemingen.
- De vennootschap kan ook functies van bestuur of vereffenaar van andere vennootschappen uitoefenen.
- De vennootschap mag in alle plaatsen van binnen en buitenland exploitatiezetels,administratieve zetels,filialen,verkoopsburelen,bijhuizen,opslag- en bewaarplaatsen,agentschappen of hoe genaamd ook,oprichten.
- Deze opsomming is verklarend en geenszins beperkend.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- AB CONSTRUCTIEF
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaamse Gewest” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Natuurlijke personen of rechtspersonen, bestuursorgaan” (deed in Dutch)“Een of meer bestuurders, natuurlijke of rechtspersonen,al dan niet aandeelhouder” (deed in Dutch)
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Eenparigheid, Overdracht van aandelen” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Friday of June at 14:00
Oversight and winding up
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Eenparigheid, recht algemene vergadering om een of meerdere vereffenaars aan te duiden,hun bevoegdheden te omlijnen en hun vergoeding te…” (deed in Dutch)