ABF CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of ABF CONSTRUCT is 2.9% (moderate). The 2025 annual accounts show negative equity (€-43k) and a net result of €53k. Its solvency ranks better than 5% of 7415 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+24
Solvency0▼-33
Growth58
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.96 against 1.42 in 2023; short-term debt: 87.8% and cash: 4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-74.2%
Return on assets
92.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 7415 sector peers (2025).
NBB · sector comparisonPosition among 7415 sector peers
Solvency
better than 5%
← weakest
strongest →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
8 d early
2023
44 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-43k
2023 · €12k
2023: €12k
2023 → 2025
Total assets
€58k▼ 62.8%
2023 · €156k
2023: €156k
2023 → 2025
Net result
€53k▲ 474%
2023 · €9k
2023: €9k
2023 → 2025
Working capital
€-2k
2023 · €39k
2023: €39k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232025Trend
Equity€12k-€-43k
Operating result€9k-€56k▲ 485%
Net result€9k-€53k▲ 474%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €56k in 2025, compared with €9k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €58k
Fixed assets
€9k▼ 61.2%
Current assets
€49k▼ 63.1%
Key figures and ratios
EBITDA
€61k▲
2023 · €14k
Cash flow
€59k▲
2023 · €13k
Solvency
-74.2%▼
2023 · 7.9%
Current ratio
0.96▼
2023 · 1.42
Quick ratio
0.96▼
2023 · 1.42
Debt / equity
-1.18▼
2023 · 7.59
ROA
92.3%▲
2023 · 6.0%
Interest coverage
28.50▼
2023 · 74.78
Debt
€51k▼
2023 · €93k
Debt ≤ 1 year
€51k▼
2023 · €93k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2023
Balance sheet
Code20232025
Assets
Total assets20/58€156k€58k▼
Fixed assets21/28€23k€9k▼
Tangible fixed assets22/27€23k€9k▼
Furniture and vehicles24€23k€9k▼
Current assets29/58€133k€49k▼
Amounts receivable within one year40/41€131k€47k▼
Trade receivables40€129k€45k▼
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€156k€58k▼
Equity10/15€12k€-43k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€9k€-46k▼
Provisions and deferred taxes16€50k€50k=
Provisions for liabilities and charges160/5€50k€50k=
Environmental obligations163-€50k
Other liabilities and charges164/5€50k-
Amounts payable17/49€93k€51k▼
Amounts payable within one year42/48€93k€51k▼
Current portion of amounts payable after more than one year42-€3k
Trade debts44€85k€4k▼
Suppliers440/4€85k€4k▼
Other amounts payable47/48€8k€43k▲
Income statement
Code20232025
Remuneration, social security and pensions62€16k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€333€2k▲
Gross operating margin9900€30k€63k▲
Operating profit (loss)9901€9k€56k▲
Financial income75/76B-€9
Recurring financial income75-€9
Financial charges65/66B€181€2k▲
Recurring financial charges65€181€2k▲
Profit (loss) for the period before taxes9903€9k€53k▲
Profit (loss) for the period9904€9k€53k▲
Profit (loss) for the period to be appropriated9905€9k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-46k▼
Profit (loss) brought forward from the previous period14P-€-99k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 44 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Genk · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Jan Habexlaan 93600 GenkGround area
900 m²
Building footprint
337 m²
Parcel 71016I0542/00Y000, Flanders. Linked by address, not a title deed.
1 establishment unit
ABF CONSTRUCT
since 20222.338.678.809
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71016I0542/00Y000 | Flanders | 900 m² | 1 · 337 m² | - |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
PV CONSTRUCT
BE 0871.360.007
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YAT CONSTRUCT
BE 0800.338.288
Asse · Eq €12k
STEFAN TOP JARDIN
BE 0804.336.371
Merelbeke-Melle · Eq €12k
GK Peter Renovatie
BE 1011.881.135
Antwerpen · Eq €12k
ECSTEND
BE 0647.827.465
Charleroi · Eq €12k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 10,027 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.