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ABC CONSTRUCT

Active Private limited companyfounded 2022active for 4 yearsWinkelomseheide 123, 2440 GeelKBO/BCE: BE 0787.163.017

Overview

Lifetime

4 annual accounts with figures on one time axis
peak €245,481 (2025)
€245,481▲ 104%
peak €180,603 (2025)
€180,603▲ 102%
peak €391,209 (2025)
€391,209▲ 85.0%
€138,327▼ 43.7%
Board1 name since 2022
Owners
100%Bert Cools
Documentsfilings and deeds
05-07-202626 days before the deadline
2025abbreviated format
Gross margin from €120,350 to €245,481Result from €89,431 to €180,603Dividend €833Equity from €211,439 to €391,209Debts from €245,623 to €138,327Investments €10,701

Key points

from the 2025 annual accounts

Equity

€391,209 ▲ 85.0%
211,4392024+180,603Profit-833Dividend391,2092025

ABC CONSTRUCT paid out €833 in dividends. That is 0% of the 2025 profit.

Result

€180,603 ▲ 102%
€89,4002024€181,0002025

The result rose in 2025 from €89,431 to €180,603.

Turnover

≈ €520,000 estimated

The accounts state no turnover.

Investments

€10,701 5.3 × depreciation
20232025

Green is investment, beige is depreciation.

Liquidity

4.58 was 2.16 in 2024

Short-term debts fell from €210,623 to €113,327.

Position in the sector

€180,603

Higher net result than 85% of companies in real estate. Sector median €9,997 · 11,290 companies.

Checked score

96
Excellent
Financially stronger than 82% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.4% 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025highest value 07-2025: 0.2%▼ -0.2 percentage points vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.1%▼ -0.1 percentage points vs 07-2026lowest value 09-2026: 0.1%● unchanged vs 08-2026lowest value 10-2026: 0.1%● unchanged vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026

Financial strength
Strong

99+28equity 73.9% of total assets
54+20short-term debt 21.4% · cash 8.6%
100+7return on assets 34.1%

Score breakdown

raises risk
Founded in 2022
lowers risk
Sector: Real estate activities (NACE 68)
Size: total assets €529,537
Figures for financial year 2025 (filed on 05-07-2026)
Calculation

The band follows from the bankruptcy probability. 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 68, micro). It does better than 80% of them on solvency, 63% on liquidity, 95% on profitability and 90% on growth.

The bankruptcy probability was computed on 09-11-2026 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.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 3,127 companies had the same profile as ABC CONSTRUCT has now. Each dot stands for 8 companies, two years later.

97.2%
were still trading
1.9%
stopped another way
0.8%
went bankrupt
  • Small
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

That fits the bankruptcy probability of ABC CONSTRUCT itself: 0.1% within 12 months.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the 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% 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%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 3,127 companies, not a prediction for ABC CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €35,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 4.58 (2.16 in 2024), above the usual 1.5. Short-term debt is 21.4% and cash 8.6% of total assets. 26.1% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Sector: Real estate activities (NACE 68)
KBO
lowers risk · Size: total assets €529,537
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Founded in 2022
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Figures for financial year 2025 (filed on 05-07-2026)
NBB · annual accounts
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 05-07-2026, 26 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
26 days early
2024
32 days early
2023
30 days early
2022
24 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 28 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 July (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2022.
KBO publications

Board and ownership

CB
Director, since 08-06-2022
  • Bert Cools 100%annual accounts 2025
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0787163017
Incorporation Founding capital of €10,000, 100 shares · Founder: COOLS Bert Louis Paula · Appointment: COOLS Bert Louis Paula (director) · published on 14-06-2022 · Gazette deed
First establishment ABC Construction, Winkelomseheide 123, Geel
All 11 events

Comparable companies

same main activity, similar in size and age
Company
ABC CONSTRUCT Geel €529,537 €245,481 73.9% -
APB Construct Hulshout €681,211 €294,402 15.5% 3.6
R2ELAN Lommel €504,863 €264,400 1.0% -
DAMIANI SOSTILIO IMMO Chapelle-lez-Herlaimont €490,912 €203,846 22.3% -
AEA MAX Sint-Truiden €480,702 €213,712 29.4% -
VKV Invest Wemmel €544,934 €189,207 25.0% -
J&J Construct Beersel €555,390 €308,704 23.7% -

These companies have the same main activity as ABC CONSTRUCT: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €481,000 and €681,000, founded in 2022.

Official details

Source: KBO
Status
Active since 10-06-2022Normal situation
Activity
Development of residential building projectsNACE 68121and 3 others
Establishment unit
2.332.779.9222440 Geel, since 10-06-2022
Financial year end
31 December
Peppol
Reachable since 15-01-2026
Company details

Annual accounts 2025

€245,481▲ 104%
€180,603▲ 102%
€391,209▲ 85.0%
€529,537▲ 15.9%
Filing
Filed on 05-07-2026, 26 days before the end of the filing period
Financials

Insights on ABC CONSTRUCT

ABC CONSTRUCT files the abbreviated format. That format states no turnover. The gross margin rose from €3,320 in 2022 to €245,481 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

abbreviated format, filed on 05-07-2026, 26 days before the deadline
€245,481
▲ 104%
€243,183
▲ 104%
€180,603
▲ 102%
€406,254
▲ 65.7%
73.9%
▲ 27.6 percentage points
4.58
▲ 2.42

Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €520,000. Estimated: probably between €330,000 and €1.2m.

Balance sheet

balance sheet total €529,537 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

73.9%

Higher than 81% of 11,299 companies in 2025.

4.58

Higher than 83% of 10,851 companies in 2025.

34.1%

Higher than 95% of 11,184 companies in 2025.

ABC CONSTRUCT Middle half of the sector 80% of the sector Abbreviated accounts in real estate (NACE 68)

Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: top quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2025202420232022
Balance sheet: assets
20/58 529,537457,062406,722124,919
21/28 9,9561,2582,210-
21 3051,2582,210-
22/27 9,651---
23 1,564---
24 8,086---
29/58 519,581455,804404,512124,919
3 15,37126,52722,31742,406
30/36 15,37126,52722,31742,406
40/41 458,139377,657378,32069,341
40 80,12785,009134,04740,000
41 378,012292,648244,27329,341
54/58 45,80124,7963,87513,172
490/1 27026,825--
Balance sheet: equity and liabilities
10/49 529,537457,062406,722124,919
10/15 391,209211,439122,84112,117
10/11 10,00010,00010,00010,000
13 381,209201,439112,8412,117
133 381,209201,439112,8412,117
17/49 138,327245,623283,881112,801
17 25,00035,00035,00035,000
170/4 25,00035,00035,00035,000
42/48 113,327210,623248,88177,797
44 76,958125,045118,56776,581
440/4 76,958125,045118,56776,581
45 35,20881,63842,276903
450/3 35,20881,63842,276903
47/48 1,1623,94088,038312
492/3 ---4
Income statement
9900 245,481120,350148,1073,320
630 2,003953647-
640/8 295118109-
9901 243,183119,279147,3503,320
75/76B 059255-
75 059255-
65/66B 2,2017840427
65 2,2017840427
9903 240,982119,260147,5662,893
67/77 60,37929,82936,842775
9904 180,60389,431110,7232,117
9905 180,60389,431110,7232,117
Appropriation of the result
9906 180,60389,431110,7232,117
691/2 179,77088,598110,7232,117
6921 179,77088,598110,7232,117
694/7 833833--
694 833833--
Document PDFPDFPDFPDF

The notes to these accounts have 10 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 05-07-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 abbreviated format 05-07-2026 2026-00252807 PDF
31-12-2024 abbreviated format 29-06-2025 2025-00192961 PDF
31-12-2023 abbreviated format 01-07-2024 2024-00187788 PDF
31-12-2022 micro format 07-07-2023 2023-00213567 PDF

Subsidies and aid

Flemish government 2025, 1 entry, €225 awarded, €225 paid

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2025202420232022
245,186120,232147,998-
182,60790,384111,370-
10,70102,858-
21,00620,921-9,297-
406,254245,181155,63047,122
73.9%46.3%30.2%9.7%
4.582.161.631.61
4.452.041.541.06
0.351.162.319.31
46.2%42.3%90.1%17.5%
34.1%19.6%27.2%1.7%
over 100over 100over 100-

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item2025202420232022
Tangible fixed assets€10,701---
Intangible fixed assets--€2,858-
€2,003€953€647-

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on ABC CONSTRUCT

The operating result for 2025 is 104% higher than in 2024 and the highest since 2022. It is a recovery after the fall in 2024.

Debt's share of the balance-sheet total falls from 53.7% to 26.1%. Equity is higher and debt is lower.

Large changes and their cause
  • 2023 Net result +5,129% on 2022. The accounts now follow the abbreviated format, last year the micro format.

Board & ownership

Board

1 director, since incorporation
Director
since 08-06-2022 term without a fixed end
also on the board of 2 other companies
listed in the 2025 annual accounts, filed on 05-07-2026

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
Board
Mandates as a list
  • COOLS Bert Louis Paula
    • Director, from 08-06-2022 to date

See the board, name and registered office on a given date →

Control

Shareholder
Bert Cools
100 voting rights
100%
This company
ABC CONSTRUCT
Equity €391,209
Profit €180,603 in 2025

Capital

Contribution
€10,000
Shares
100
Contribution per share
€100
Equity per share
€3,912 in 2025
Source
deed of 14-06-2022

Owners through the years

as the annual accounts name them
Bert Cools
natural person
100%
Owners as a list

Source: shareholder structure in its own accounts

Articles of association

deed of 14-06-2022 (in Dutch)
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Tuesday of June at 20:00

Capital transactions

Shareholders according to the deeds
At incorporation deed of 14-06-2022 ↗
Capital over time
  1. 14-06-2022 Incorporation · €10,000 · 100 shares

Network & group

No group

ABC CONSTRUCT has no parent and no holdings in its annual accounts. COOLS Bert Louis Paula is the only director.

At the same address

Winkelomseheide 123, 2440 Geel · 3 other companies
T & B Development
registered office since 29-03-2000 · founded in 1999
total assets €2.9m (2025)
0468.800.208
ABC REAL ESTATE BELGIUM
registered office since 02-02-2021 · founded in 2021
total assets €1.6m (2025)
0762.828.190
Vereniging van mede-eigenaars Winkelomseheide 123
registered office since 28-08-2006
founded in 2006
0883.411.662

Earlier ties

T-INVEST
via COOLS Bert Louis Paula, no longer at T-INVEST · Successor manager · deed of 16-04-2019
No longer active
total assets €419,877 (2022)

Connections & network

2 connected companies
Depth
This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
T & B Development
via COOLS Bert Louis Paula · Director · deed of 10-08-2022
Founded in 1999 · total assets €2.9m (2025)
→
ABC REAL ESTATE BELGIUM
via COOLS Bert Louis Paula · Director · deed of 04-02-2021
Founded in 2021 · total assets €1.6m (2025)
→

Timeline

Timeline

11 events since 2022

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBabbreviated format · 26 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0787163017
2025
Highest result from 2022 to 2025 net €180,603 ▲102% The operating result of €243,183 and the net result of €180,603 are both a record.
Liquidity more than doubled current ratio 4.58 The current ratio rises from 2.16 to 4.58. Short-term debt falls from €210,623 to €113,327.
Annual accounts 2024 filed PDFabbreviated format · 32 days before the deadline
2024
Equity above €200,000 equity €211,439 ▲72.1% With a profit in every financial year since 2022, equity grows to €211,439.
Annual accounts 2023 filed PDFabbreviated format · 30 days before the deadline
2023
Equity above €100,000 equity €122,841 ▲914% With a profit in every financial year since 2022, equity grows to €122,841.
Annual accounts 2022 filed PDFmicro format · 24 days before the deadline
2022
IncorporationFounding capital of €10,000, 100 shares · Founder: COOLS Bert Louis Paula · Appointment: COOLS Bert Louis Paula (director) · published on 14-06-20224 points ▸

Open the deed in the Belgian Official Gazette

First establishment ABC Construction, Winkelomseheide 123, Geel

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 10 June 2022, ABC CONSTRUCT was incorporated as a private limited company by one natural person, with a starting capital of €10,000.12 COOLS Bert Louis Paula has served as director since 2022.3 Total assets went from €124,919 in 2022 to €529,537 in 2025.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 14-06-2022
  3. 3National Bank, annual accounts 2025
  4. 4National Bank, annual accounts 2022 and 2025

Company details

Identity

Enterprise number
0787.163.017
VAT number
BE 0787.163.017
Peppol ID
0208:0787163017
Other Peppol ID
9925:BE0787163017
Legal form
Private limited company
Status
Active, normal situation
Founded
10-06-2022
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Tuesday of June at 20:00
deed of 14-06-2022 (in Dutch)
Peppol
Reachable since 15-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
ABC CONSTRUCT in Dutch
Entity type
Legal entity
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Winkelomseheide 123, 2440 Geel”
deed of 14-06-2022 (in Dutch)

Activities

NACEBEL 2025
Codes under NACEBEL 2008
41101 Real estate development main activity
41201 General construction of buildings
41202 Construction of residential and non-residential buildings
41203 Construction of residential and non-residential buildings
PurposeThe purpose describes the activities the company may carry out under its articles.
“Het aanleggen, het oordeelkundig uitbouwen en beheren van haar onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen…”
14 activities
  1. Het aanleggen, het oordeelkundig uitbouwen en beheren van haar onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten, zoals huurfinanciering van onroerende goederen aan derden, het aankopen, verkopen, ruilen, bouwen, verbouwen, onderhouden, verhuren, huren, verkavelen, prospecteren en uitbaten van onroerende goederen
  2. De aan- en verkoop, huur en verhuur van roerende goederen alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en van die aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen, alsmede zich borg te stellen voor het goede verloop van verbintenissen door derden aangegaan, die het genot zouden hebben van deze roerende en onroerende zaken
  3. Het aanleggen, oordeelkundig uitbouwen en beheren van haar roerend patrimonium, alle verrichtingen met betrekking tot roerende goederen en rechten, van welke aard ook, zoals het verwerven door inschrijving of aankoop en het beheren van aandelen, obligaties, kasbons of andere roerende waarden, van welke vorm ook, van Belgische of buitenlandse
  4. Algemene bouwwerkzaamheden, omvattende het optrekken van de gebouwen evenals de bekisting en het ijzervlechtwerk, de gehele of gedeeltelijke voltooiingswerken of de coördinatie hiervan wanneer zij door onderaannemers worden uitgevoerd, het optrekken van gefabriceerde gebouwen, voegwerken, chapewerken, dakbedekking in alle materialen, isolatiewerken tegen vochtigheid, thermische- en geluidsisolatie, vloer- en muurbedekking, stukadoorswerken, arduin- en marmerwerken, timmer- en schrijnwerk, dakwerken (hellende en platte daken), glaswerk, schilder- en behangwerk, centrale verwarming, lood- en zinkwerk, elektrische installatie, metaalbewerking en metalen kunstwerken, restauratiewerken, alle grondwerken, leggen van kabels en diverse leidingen
  5. Spoorlijnwerken, wegenwerken en bouw van niet metalen kunstwerken, aanleg en onderhoud van diverse terreinen
  6. De aanleg van waterdistributienetten en rioleringen, pijpleidingen voor het vervoer van gas, petroleumproducten, enzovoort: leidingen voor het vervoer en de distributie van elektrische energie
  7. Het verlenen van adviezen en hulp aan het bedrijfsleven en de overheid op het gebied van planning, organisatie, efficiëntie en toezicht, het verschaffen van informatie aan de bedrijfsleiding enzoverder
  8. Managementactiviteiten van holdings: het tussenkomen in het dagelijks bestuur, het vertegenwoordigen van bedrijven op grond van het bezit op controle over het maatschappelijk kapitaal en andere
  9. Overige activiteiten in verband met administratie
  10. Overige vormen van onderwijs, opleiding, training
  11. Overige zakelijke dienstverlening
  12. Bouwpromotor en zelf bouwen van onroerende goederen
  13. De aanleg van communicatielijnen en —netten
  14. Aanleg en onderhoud van diverse terreinen
deed of 14-06-2022 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
ABC Construction registered office Winkelomseheide 123, 2440 Geel 10-06-2022 2.332.779.922

Buildings and parcels at the address

Ground area
1,170 m²
Buildings
249 m²
Volume, LiDAR
1,778 m³
Tallest building
10.6 m
Buildings to scale, each on its own parcel
249 m², 10.6 m 249 m², 10.6 m

Location

registered office establishment The establishment unit on the map
4 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
13373K0925/00G0121,170 m² 1 · 249 m² 10.6 m · 2

Invoicing and payment

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. Use the enterprise number 0787.163.017