Financials
- Fiscal year
- 2025
- Turnover
- €578,616
- Profit
- €21,041
- Solvency
- 75.3%
Turnover▲ 14.3%
Net result
20242025
AD.F CONSTRUCT
ActiveSummary
AD.F CONSTRUCT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110,498 and a net result of €21,041. Equity is growing by ~34% per year across the filed fiscal years. Its solvency ranks better than 80% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
What they do
Floor and wall tiling
NACE 43331
1 site
How big
€578,616turnover 2025
- Equity
- €110,498
- Profit
- €21,041
Who decides
Accounts on time0 of 5 deeds read
Why 91- Size: turnover €578,616, total assets €146,701- 1 of the last 3 late+ Liquidity: current ratio 2.93, cash €60,359+ Equity €110,498 (75.3% of total assets)Show the evidence
Checked score
Score 2025
91
/ 100
Excellent
Probability in this band: under 0.55%
Better than 74% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100+36
equity 75.3% of total assets
Liquidity
91+35
short-term debt 24.0% · cash 41.1%
Profitability
75+6
return on assets 14.3%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Liquidity: current ratio 2.93, cash €60,359 lowers the probability
- Size: turnover €578,616, total assets €146,701 raises the probability for this profile
- 1 of the last 3 late raises the probability
- Equity €110,498 (75.3% of total assets) lowers the probability
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 2.93 against 1.95 in 2024; short-term debt: 24% and cash: 41.1% of total assets), and 24.7% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 90%, liquidity 88%, profitability 49%, growth against the median 68%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
31 d late
2023
28 d late
2022
18 d early
2021
3 d early
2020
16 d early
2019
53 d late
← 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 11 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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. Usually files around 31 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Equity above €100,000Eq €110,498 ▲23.5%
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 31-07-2026Annual accounts filed
- 31-12-2025Equity above €100,000
- 31-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Floor and wall tilingNACE 43331
- Founded
- 28-04-2014
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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