ACTUEL CONSTRUCT
ActiveSummary
ACTUEL CONSTRUCT has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €171,479 and a net result of €13,413. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 87% of 18458 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability53▼-21
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 4.91 against 5.19 in 2024; short-term debt: 20.4% and cash: 1.7% of total assets), and 20.4% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
79.6%
Return on assets
6.2%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
16 d early
2022
31 d early
2021
9 d late
2020
15 d early
2019
38 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 13 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#5 oldest company in Binche, Wholesale and retail trade sector
Equity
€171,479▲ 2.6%
2024 · €167,066
Total assets
€215,319▲ 4.1%
2024 · €206,917
Net result
€13,413▼ 55.2%
2024 · €29,942
Working capital
€171,379▲ 2.6%
2024 · €166,966
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€24,138▲ 2.2%€4,343▼ 82.0%-€4,116€32,302€14,003▼ 56.7%
Net result€22,915▼ 3.0%€3,881▼ 83.1%-€3,210€29,942€13,413▼ 55.2%
Equity€153,453▲ 6.2%€157,334▲ 2.5%€154,124▼ 2.0%€167,066▲ 8.4%€171,479▲ 2.6%
Total assets€198,707▼ 5.2%€195,477▼ 1.6%€184,001▼ 5.9%€206,917▲ 12.5%€215,319▲ 4.1%
Debt€45,254▼ 30.4%€38,143▼ 15.7%€29,877▼ 21.7%€39,851▲ 33.4%€43,841▲ 10.0%
Working capital€166,730▲ 15.4%€157,305▼ 5.7%€154,109▼ 2.0%€166,966▲ 8.3%€171,379▲ 2.6%
Staff (FTE)6.9▲ 16.9%7.7▲ 11.6%7.1▼ 7.8%6.5▼ 8.5%5.4▼ 16.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €215,319
Fixed assets
€99 =
Current assets
€215,220 ▲ 4.1%
Equity and liabilities €215,319
Equity
€171,479 ▲ 2.6%
Debt
€43,841 ▲ 10.0%
Debt's share of the balance-sheet total rises from 19.3% to 20.4%. Equity and debt are higher.
Key figures and ratios
Current ratio
4.91▼
2024 · 5.19
Debt to equity
0.26▲
2024 · 0.24
ROE
7.8%▼
2024 · 17.9%
ROA
6.2%▼
2024 · 14.5%
Debt ≤ 1 year
€43,841▲
2024 · €39,851
Income taxes
€1,383▼
2024 · €3,220
Staff costs
€237,769▲
2024 · €219,683
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4,640 | €4,883 | €9,959 | €3,754 | €6,935 | ▲ 84.7% |
| Remuneration, social security and pensions62 | €259,366 | €312,730 | €253,529 | €219,683 | €237,769 | ▲ 8.2% |
| Other operating charges640/8 | €348 | €348 | €384 | €387 | €400 | ▲ 3.2% |
| Non-recurring operating charges66A | - | €0 | €500 | €500 | €0 | ▼ 100.0% |
| Gross operating margin9900 | €283,851 | €317,421 | €250,298 | €252,872 | €252,171 | ▼ 0.3% |
| Operating profit (loss)9901 | €24,138 | €4,343 | -€4,116 | €32,302 | €14,003 | ▼ 56.7% |
| Financial income75/76B | €2,481 | €2,180 | €2,071 | €1,961 | €2,025 | ▲ 3.2% |
| Recurring financial income75 | €2,481 | €2,180 | €2,071 | €1,961 | €2,025 | ▲ 3.2% |
| Financial charges65/66B | €1,030 | €961 | €1,166 | €1,101 | €1,231 | ▲ 11.8% |
| Recurring financial charges65 | €1,030 | €961 | €1,166 | €1,101 | €1,231 | ▲ 11.8% |
| Profit (loss) for the period before taxes9903 | €25,589 | €5,561 | -€3,211 | €33,162 | €14,796 | ▼ 55.4% |
| Income taxes67/77 | €2,674 | €1,680 | -€1 | €3,220 | €1,383 | ▼ 57.1% |
| Profit (loss) for the period9904 | €22,915 | €3,881 | -€3,210 | €29,942 | €13,413 | ▼ 55.2% |
| Profit (loss) for the period to be appropriated9905 | €22,915 | €3,881 | -€3,210 | €29,942 | €13,413 | ▼ 55.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €198,707 | €195,477 | €184,001 | €206,917 | €215,319 | ▲ 4.1% |
| Fixed assets21/28 | €99 | €99 | €99 | €99 | €99 | = |
| Financial fixed assets28 | €99 | €99 | €99 | €99 | €99 | = |
| Current assets29/58 | €198,608 | €195,378 | €183,902 | €206,818 | €215,220 | ▲ 4.1% |
| Amounts receivable within one year40/41 | €185,803 | €186,187 | €176,749 | €199,455 | €209,378 | ▲ 5.0% |
| Trade receivables40 | €76,219 | €59,197 | €62,627 | €85,351 | €95,463 | ▲ 11.8% |
| Other amounts receivable41 | €109,584 | €126,990 | €114,121 | €114,104 | €113,915 | ▼ 0.2% |
| Cash at bank and in hand54/58 | €10,175 | €7,003 | €5,075 | €5,401 | €3,677 | ▼ 31.9% |
| Deferred charges and accrued income490/1 | €2,629 | €2,188 | €2,079 | €1,961 | €2,165 | ▲ 10.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €198,707 | €195,477 | €184,001 | €206,917 | €215,319 | ▲ 4.1% |
| Equity10/15 | €153,453 | €157,334 | €154,124 | €167,066 | €171,479 | ▲ 2.6% |
| Contributions10/11 | €19,000 | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Reserves13 | €13,990 | €13,990 | €13,990 | €13,990 | €13,990 | = |
| Non-distributable reserves130/1 | €1,900 | €1,900 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,900 | €1,900 | €0 | - | - | - |
| Tax-exempt reserves132 | €12,090 | €12,090 | €12,090 | €12,090 | €12,090 | = |
| Distributable reserves133 | - | - | €1,900 | €1,900 | €1,900 | = |
| Profit (loss) carried forward14 | €120,463 | €124,344 | €121,134 | €134,076 | €138,489 | ▲ 3.3% |
| Amounts payable17/49 | €45,254 | €38,143 | €29,877 | €39,851 | €43,841 | ▲ 10.0% |
| Amounts payable within one year42/48 | €31,877 | €38,073 | €29,793 | €39,851 | €43,841 | ▲ 10.0% |
| Current portion of amounts payable after more than one year42 | €1,167 | €1,167 | €1,167 | €1,167 | €1,167 | = |
| Trade debts44 | €5,596 | €1,554 | €2,290 | €2,082 | €1,846 | ▼ 11.3% |
| Suppliers440/4 | €5,596 | €1,554 | €2,290 | €2,082 | €1,846 | ▼ 11.3% |
| Advances received on contracts in progress46 | - | - | €8,000 | €4,320 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €4,114 | €21,352 | €18,336 | €15,282 | €23,328 | ▲ 52.6% |
| Taxes450/3 | - | - | €1,924 | €111 | €875 | ▲ 686% |
| Remuneration and social security454/9 | €4,114 | €21,352 | €16,412 | €15,171 | €22,453 | ▲ 48.0% |
| Other amounts payable47/48 | €21,000 | €14,000 | €0 | €17,000 | €17,500 | ▲ 2.9% |
| Accrued charges and deferred income492/3 | €13,377 | €70 | €84 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,915 | €3,881 | -€3,210 | €29,942 | €13,413 | ▼ 55.2% |
| Operating cash flow (approximation) | €22,915 | €3,881 | -€3,210 | €29,942 | €13,413 | ▼ 55.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€3,173 | -€1,928 | €327 | -€1,724 | ▼ 628% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €29,942
Net result €29,942 after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€3,210
Net result drops to -€3,210, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Equity above €150,000Eq €153,453 ▲6.2%
4 profitable years in a row build equity to €153,453.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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
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, Binche · 1 establishment unit since 1976
Ground area
1,279 m²
Building footprint
189 m²
Volume, LiDAR
738 m³
Parcel 56063A0126/00K003, Wallonia · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Actuel Construct
since 19762.012.803.052
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56063A0126/00K003 | Wallonia | 1,279 m² | 1 · 189 m² | 5.4 m · 1 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.
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Of 6,498 companies in sector 47716 we hold annual accounts for 2,439. 1,819 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-09-1976
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Scores and ratios are computed by Checked and are not a credit decision.