ADU CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of ADU CONSTRUCT is 2.4% (moderate). The 2025 annual accounts show equity of €23k and a net result of €5k. Equity is growing by ~42.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 7331 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-12
Solvency72▲+10
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.92 against 1.84 in 2024; short-term debt: 22.8% and cash: 0.5% of total assets), but 53% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
47%
Return on assets
10.9%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 15-09-2025, 15 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2026
not confirmed
2025
15 d late
2024
19 d late
2023
33 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 30.3%
2024 · €17k
2023: €8k
2024: €17k
2023 → 2025
Total assets
€48k▲ 2.1%
2024 · €47k
2023: €12k
2024: €47k
2023 → 2025
Net result
€5k▼ 45.0%
2024 · €10k
2023: €8k
2024: €10k
2023 → 2025
Working capital
€21k▲ 130%
2024 · €9k
2023: €-3k
2024: €9k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€8k-€17k▲ 122%€23k▲ 30.3%
Operating result€10k-€12k▲ 21.8%€7k▼ 39.9%
Net result€8k-€10k▲ 22.5%€5k▼ 45.0%
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 40% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€16k▼ 40.7%
Current assets
€32k▲ 60.1%
Equity and liabilities €48k
Equity
€23k▲ 30.3%
Debt
€26k▼ 14.3%
The debt ratio falls from 63.2% to 53.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▼
2024 · €23k
Cash flow
€16k▼
2024 · €20k
Solvency
47.0%▲
2024 · 36.8%
Current ratio
2.92▲
2024 · 1.84
Quick ratio
2.92▲
2024 · 1.84
Debt / equity
1.13▼
2024 · 1.72
ROE
23.2%▼
2024 · 55.0%
ROA
10.9%▼
2024 · 20.3%
Interest coverage
280.44▼
2024 · 286.64
Debt
€26k▼
2024 · €30k
Debt ≤ 1 year
€11k▲
2024 · €11k
Debt > 1 year
€15k▼
2024 · €19k
Income taxes
€2k▼
2024 · €2k
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 2024
Balance sheet
Code20242025
Assets
Total assets20/58€47k€48k▲
Fixed assets21/28€27k€16k▼
Tangible fixed assets22/27€27k€16k▼
Furniture and vehicles24€27k€16k▼
Current assets29/58€20k€32k▲
Amounts receivable within one year40/41€19k€32k▲
Trade receivables40€13k€17k▲
Other amounts receivable41€6k€15k▲
Cash at bank and in hand54/58€908€244▼
Equity and liabilities
Total equity and liabilities10/49€47k€48k▲
Equity10/15€17k€23k▲
Profit (loss) carried forward14€17k€23k▲
Amounts payable17/49€30k€26k▼
Amounts payable after more than one year17€19k€15k▼
Financial debts170/4€19k€15k▼
Amounts payable within one year42/48€11k€11k▲
Current portion of amounts payable after more than one year42€4k€4k=
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Bills of exchange payable441-€87
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€1k€855▼
Gross operating margin9900€24k€19k▼
Operating profit (loss)9901€12k€7k▼
Financial charges65/66B€79€65▼
Recurring financial charges65€79€65▼
Profit (loss) for the period before taxes9903€12k€7k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€10k€5k▼
Profit (loss) for the period to be appropriated9905€10k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€23k▲
Profit (loss) brought forward from the previous period14P€8k€17k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 15 days late
31-01
Financial
Weakest financial yearnet €5k ▼45%
Net result drops to €5k, the lowest in the series.
2024
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
31-01
Financial
Highest result since 2023net €10k ▲22.5%
Operating result €12k, net result €10k, both a record.
31-01
Financial
Liquidity times 5current ratio 1.84
Current ratio from 0.35 to 1.84.
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 33 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Kraainem · 1 establishment unit since 2021
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.
Steenweg op Mechelen 4551950 KraainemGround area
1.1 ha
Building footprint
940 m²
Volume, LiDAR
35,110 m³
2 parcels, Brussels, Flanders · tallest building 42.8 m, ±14 floors. Linked by address, not a title deed.
1 establishment unit
ADU CONSTRUCT
since 20212.322.531.475
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0073/00N009 | Flanders | 1.1 ha | 1 · 865 m² | 42.8 m · 14 fl. |
| 21012F0370/00B006 | Brussels | 119 m² | 1 · 75 m² | 18.0 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
OLIVEIRA CONSTRUCT
BE 1003.994.936
Dilbeek · Eq €23k
Zeal Construct
BE 0752.619.931
Wetteren · Eq €23k
CC BOUW & RENOVATIE
BE 0896.827.851
Landen · Eq €23k
Patrick Poelman
BE 0446.973.624
Merelbeke-Melle · Eq €23k
PIERRE SIBILLE CONSTRUCTIONS
BE 0895.147.870
Florennes · Eq €23k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 11,841 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2021
Fiscal year end31-01
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.