Equity
€169,726 ▲ 276%
Equity rose in 2025 from €45,130 to €169,726.
AIA CONSTRUCT
Lifetime
4 annual accounts with figures on one time axispeak €240,704 (2024)
€116,849▼ 51.5%
peak €152,401 (2024)
€44,789▼ 70.6%
peak €169,726 (2025)
€169,726▲ 276%
€248,061▼ 41.7%
Board1 name since 2021
1 directorTODERICA Virgil Iulian
Documentsfilings and deeds
24-10-202599 days before the deadline
2025financial year
Gross margin from €240,704 to €116,849Result from €152,401 to €44,789Equity from €45,130 to €169,726Debts from €425,133 to €248,061Investments €151,826Cash from €196,288 to €58,606
Key points
from the 2025 annual accountsInvestments
€218,023 4.2 × depreciation
Green is investment, beige is depreciation.
Payment terms
1 day to suppliers
AIA CONSTRUCT pays its suppliers 119 days earlier than in 2024. Customers pay 58 days earlier.
Checked score
51
Fair
Financially stronger than 56% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.0% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 11.4%
01-2025: 11.4%● unchanged vs 12-2024
02-2025: 13.6%▲ +2.2 percentage points vs 01-2025highest value
03-2025: 13.6%● unchanged vs 02-2025
04-2025: 13.6%● unchanged vs 03-2025
05-2025: 13.6%● unchanged vs 04-2025
06-2025: 13.6%● unchanged vs 05-2025
07-2025: 13.6%● unchanged vs 06-2025
08-2025: 13.6%● unchanged vs 07-2025
09-2025: 13.6%● unchanged vs 08-2025
10-2025: 13.6%● unchanged vs 09-2025
11-2025: 2.9%▼ -10.7 percentage points vs 10-2025lowest value
12-2025: 2.9%● unchanged vs 11-2025lowest value
01-2026: 2.9%● unchanged vs 12-2025lowest value
02-2026: 2.9%● unchanged vs 01-2026lowest value
03-2026: 3.0%▲ +0.1 percentage points vs 02-2026
04-2026: 3.0%● unchanged vs 03-2026
05-2026: 3.0%● unchanged vs 04-2026
06-2026: 3.0%● unchanged vs 05-2026
07-2026: 3.0%● unchanged vs 06-2026
08-2026: 3.0%● unchanged vs 07-2026
09-2026: 3.2%▲ +0.2 percentage points vs 08-2026
10-2026: 3.0%▼ -0.2 percentage points vs 09-2026
11-2026: 3.0%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
2 of the last 3 accounts late
Founded in 2021
Size: turnover €557,199, total assets €417,787
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 41, micro). It does better than 48% of them on solvency, 34% on liquidity, 73% on profitability and 71% on growth.
The bankruptcy probability was computed on 08-11-2026 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 30-06-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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, 26,972 companies had the same profile as AIA CONSTRUCT has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of AIA CONSTRUCT itself is higher: 3.0% within 12 months. It rests on far more data about AIA CONSTRUCT than the profile alone.
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.
| 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 26,972 companies, not a prediction for AIA 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 €8,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.05 (0.99 in 2024), below the usual 1.5. Short-term debt is 57.6% and cash 14% of total assets. 59.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-10-2025, 99 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
99 days early
2024
266 days late
2023
632 days late
2022
483 days late
← 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 321 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 10 February (3 of the last 4 accounts filed within 257 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end09-11-2026 today31-01-2027 deadline
Recent changes
Incorporation
Founding capital of €3,000, 100 shares · Founder: TODERICA Virgil Iulian (comparant) · Appointment: TODERICA Virgil Iulian (director) · published on 29-03-2021 · Gazette deed
First establishment
Muilenstraat 81, Liedekerke
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AIA CONSTRUCT Liedekerke | €417,787 | €116,849 | 40.6% | - |
| MY HABITAT CONCEPT Ternat | €428,367 | €141,841 | 36.2% | - |
| Instaleuven Leuven | €426,879 | €95,136 | 29.3% | - |
| VB PROJECT CONSULTING Asse | €487,681 | €113,062 | 42.0% | - |
| B.D.V.RENOVATION Dilbeek | €385,815 | €109,044 | 82.5% | - |
| BI BETC Vilvoorde | €440,440 | €94,937 | 18.4% | - |
| M GROUP VV Grimbergen | €342,276 | €118,712 | 47.9% | - |
These companies have the same main activity as AIA CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €342,000 and €488,000, founded between 2020 and 2022.
Official details
Source: KBO- Status
- Active since 25-03-2021Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 5 others
- Establishment unit
- 2.316.336.5411770 Liedekerke, since 25-03-2021
- Financial year end
- 30 June
- Peppol
- Reachable
Annual accounts to 30-06-2025
- €417,787▼ 11.2%
- Filing
- Filed on 24-10-2025, 99 days before the end of the filing period
Insights on AIA CONSTRUCT
AIA CONSTRUCT has existed since 2021. In 2024 the gross margin rose from €55,498 to €240,704.
Solvency rose in 2025 from 9.6% to 40.6% because of the retained profit and lower debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about AIA CONSTRUCT
- What is the company number of AIA CONSTRUCT?
- The company number of AIA CONSTRUCT is 0765.633.767. The VAT number is the same number with BE in front: BE 0765.633.767.
- Where is AIA CONSTRUCT based?
- The registered office is at Muilenstraat 81, 1770 Liedekerke.Company details
- What does AIA CONSTRUCT do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of AIA CONSTRUCT?
- AIA CONSTRUCT is a private limited company (BV).
- When was AIA CONSTRUCT founded?
- AIA CONSTRUCT was founded on 25-03-2021.
- Is AIA CONSTRUCT still active?
- Yes, AIA CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of AIA CONSTRUCT?
- The turnover of AIA CONSTRUCT was €557,199 in financial year 2025, according to the filed annual accounts.Financials
- Is AIA CONSTRUCT profitable?
- In financial year 2025, AIA CONSTRUCT made a profit of €44,789.
- Where can I find the annual accounts of AIA CONSTRUCT?
- AIA CONSTRUCT filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of AIA CONSTRUCT due?
- AIA CONSTRUCT must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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