Equity
€169,726 ▲ 276%
Equity rose in 2025 from €45,130 to €169,726.
AIA CONSTRUCT
Overview
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 09-11-2026 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.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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 end10-11-2026 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
- €557,199▼ 1.0%
- €44,789▼ 70.6%
- €169,726▲ 276%
- €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.
Financials
Annual accounts 2025
full format, filed on 24-10-2025, 99 days before the deadline€557,199
▼ 1.0%
€63,023
▼ 68.5%
€115,521
▼ 52.0%
€97,287
▼ 49.6%
40.6%
▲ 31.0 percentage points
1.05
▲ 0.06
Money flows
of every €100 of turnover, €8.04 remains as profit in 2025Balance sheet
balance sheet total €417,787 on 30-06-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
40.6%
Higher than 59% of 1,037 companies in 2025.
1.05
Higher than 24% of 1,016 companies in 2025.
10.7%
Higher than 81% of 1,032 companies in 2025.
AIA CONSTRUCT
Middle half of the sector
80% of the sector
Full accounts in construction of buildings (NACE 41)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
417,787 | 470,263 | 188,168 | 112,224 | |
21/28 |
165,525 | 66,197 | 81,888 | 98,174 | |
22/27 |
165,525 | 66,197 | 81,888 | 98,174 | |
22 |
108,500 | - | - | - | |
23 |
570 | - | - | - | |
24 |
56,455 | 66,197 | 81,888 | 98,174 | |
29/58 |
252,262 | 404,066 | 106,280 | 14,050 | |
40/41 |
193,656 | 207,778 | 32,377 | 9,273 | |
40 |
73,192 | 163,303 | 157 | 1,339 | |
41 |
120,464 | 44,474 | 32,220 | 7,934 | |
54/58 |
58,606 | 196,288 | - | 4,777 | |
490/1 |
- | - | 73,903 | - | |
| Balance sheet: equity and liabilities | |||||
10/49 |
417,787 | 470,263 | 188,168 | 112,224 | |
10/15 |
169,726 | 45,130 | 67,548 | 37,568 | |
10/11 |
3,000 | 3,000 | 3,000 | 3,000 | |
10 |
3,000 | 3,000 | 3,000 | 3,000 | |
100 |
3,000 | 3,000 | 3,000 | 3,000 | |
13 |
300 | 300 | 300 | 300 | |
130/1 |
300 | 300 | 300 | 300 | |
130 |
300 | 300 | 300 | 300 | |
14 |
166,426 | 41,830 | 64,248 | 34,268 | |
17/49 |
248,061 | 425,133 | 120,620 | 74,656 | |
17 |
7,465 | 17,986 | 17,986 | 22,808 | |
170/4 |
7,465 | 17,986 | 17,986 | 22,808 | |
42/48 |
240,596 | 407,148 | 102,634 | 51,848 | |
44 |
641 | 106,200 | 33,661 | 21,864 | |
440/4 |
641 | 106,200 | 33,661 | 21,864 | |
46 |
2,961 | 26,548 | 26,548 | - | |
45 |
134,621 | 152,027 | 42,425 | 29,984 | |
450/3 |
134,621 | 152,027 | 42,425 | 8,884 | |
454/9 |
- | - | 0 | 21,100 | |
47/48 |
102,373 | 122,374 | - | - | |
| Income statement | |||||
70 |
557,199 | 563,001 | - | 190,192 | |
9900 |
116,849 | 240,704 | 55,498 | 46,897 | |
60/61 |
440,349 | 322,297 | - | 146,295 | |
630 |
52,498 | 40,685 | 16,990 | 3,134 | |
640/8 |
1,328 | - | 488 | 157 | |
9901 |
63,023 | 200,018 | 38,020 | 43,606 | |
65/66B |
417 | 100 | 233 | 154 | |
65 |
417 | 100 | 233 | 154 | |
9903 |
62,606 | 199,918 | 37,787 | 43,452 | |
67/77 |
17,817 | 47,517 | 7,807 | 8,884 | |
9904 |
44,789 | 152,401 | 29,980 | 34,568 | |
9905 |
44,789 | 152,401 | 29,980 | 34,568 | |
| Appropriation of the result | |||||
9906 |
44,789 | 152,401 | 64,248 | 34,568 | |
14P |
- | - | 34,268 | - | |
791/2 |
- | 0 | - | - | |
691/2 |
300 | 300 | - | 300 | |
6920 |
300 | 300 | - | 300 | |
794 |
121,937 | 64,548 | - | - | |
694/7 |
- | 174,819 | - | - | |
695 |
- | 174,819 | - | - | |
| Document | |||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 24-10-2025.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 115,521 | 240,704 | 55,010 | 46,740 | ||
| 97,287 | 193,087 | 46,969 | 37,702 | ||
| 218,023 | 106,883 | 704 | 101,308 | ||
| -137,682 | - | - | - | ||
| 11,666 | -3,082 | 3,646 | -37,798 | ||
| 11.3% | 35.5% | - | 22.9% | ||
| 40.6% | 9.6% | 35.9% | 33.5% | ||
| 1.05 | 0.99 | 1.04 | 0.27 | ||
| 1.46 | 9.42 | 1.79 | 1.99 | ||
| 26.4% | 337.7% | 44.4% | 92.0% | ||
| 10.7% | 32.4% | 15.9% | 30.8% | ||
| over 100 | over 100 | over 100 | over 100 | ||
| 48 days | 106 days | - | 3 days | ||
| 1 day | 120 days | - | 55 days |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-06-2025 | 30-06-2024 | 30-06-2023 | 30-06-2022 |
|---|---|---|---|---|
| Tangible fixed assets | €218,023 | €106,883 | €704 | €101,308 |
| €52,498 | €40,685 | €16,990 | €3,134 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on AIA CONSTRUCT
The operating result for 2025 is 68% lower than in 2024.
Debt's share of the balance-sheet total falls from 90.4% to 59.4%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationMandates through the years
1 name, the dashed line is todayTODERICA Virgil Iulian
Director
Director
Board
Mandates as a list
- TODERICA Virgil Iulian
- Director, appointed by deed of 29-03-2021, still in office
Control
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €1,697 in 2025
- Source
- deed of 29-03-2021
Articles of association
deed of 29-03-2021 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Share issue ruleThe articles set how and by whom new shares are issued.
- “Ten minste vijftien dagen te rekenen van dag openstelling intekening, nieuwe aandelen waarop in geld wordt ingeschreven eerst aangeboden aan…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Monday of December at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Founder
At incorporation
deed of 29-03-2021 ↗
- TODERICA Virgil Iulian sole founder · 100% at incorporation
Network & group
No group
AIA CONSTRUCT has no parent and no holdings in its annual accounts. TODERICA Virgil Iulian is the only director. AIA CONSTRUCT shares no director with another company.
Timeline
Timeline
9 events since 2021Filings
Financial
Establishments
202220242026
Deadline for the 2026 accounts: 31-01-2027
2025
Annual accounts 2023 filed PDFfull format · 632 days late
Annual accounts 2024 filed PDFfull format · 266 days late
Annual accounts 2025 filed PDFfull format · 99 days before the deadline
Equity above €150,000 equity €169,726 ▲276% Equity rises from €45,130 to €169,726.
2024
Highest result from 2022 to 2025 net €152,401 ▲408% The operating result of €200,018 and the net result of €152,401 are both a record.
Annual accounts 2022 filed PDFfull format · 483 days late
2023
Liquidity more than triples current ratio 1.04 The current ratio rises from 0.27 to 1.04.
2021
IncorporationFounding capital of €3,000, 100 shares · Founder: TODERICA Virgil Iulian (comparant) · Appointment: TODERICA Virgil Iulian (director) · published on 29-03-20216 points ▸
- Founder, TODERICA Virgil Iulian (comparant)
- Founding capital, €3,000, 100 shares
- Capital, €3,000
- 100 shares
- Registered office clause, Muilenstraat 81, 1770 Liedekerke
- Director appointment, TODERICA Virgil Iulian
- The deed holds 9 more points.
First establishment Muilenstraat 81, Liedekerke
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 25 March 2021, AIA CONSTRUCT was incorporated as a private limited company by one natural person, with a starting capital of €3,000.12 TODERICA Virgil Iulian is director of the company, appointed by deed of 29-03-2021.2 Turnover went from €190,192 in 2022 to €557,199 in 2025.3
Company details
Identity
- Enterprise number
- 0765.633.767
- VAT number
- BE 0765.633.767
- Peppol ID
- 0208:0765633767
- Other Peppol ID
- 9925:BE0765633767
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 25-03-2021
- Financial year
- ends on 30 June
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Monday of December at 18:00deed of 29-03-2021 (in Dutch)
- Peppol
- Reachable via PeppolFollow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- AIA CONSTRUCT in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 29-03-2021 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
43110
Demolition
43221
Plumbing work
43422
Screed work
Codes under NACEBEL 2008
41201
General construction of buildings main activity
41203
Construction of residential and non-residential buildings
43110
Demolition
43221
Plumbing
43996
Specialised construction activities
81210
General cleaning of buildings
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het bouwen,oprichten,onderhouden,herstellen en renoveren van woningen,zowel bestaande als nieuwbouw,zowel kantoorgebouwen als andere…”deed of 29-03-2021 (in Dutch)
32 activities
- Het bouwen,oprichten,onderhouden,herstellen en renoveren van woningen,zowel bestaande als nieuwbouw,zowel kantoorgebouwen als andere niet-residentiële gebouwen;
- Het bouwen,oprichten,onderhouden,herstellen en renoveren van autowegen en andere wegen;
- Overige bouwinstallatie en afwerking van gebouwen;
- Onderneming voor het bouwen van funderingen,inclusief heien,voor het vlechten van ijzer en aanbrengen van bekisting,voor het monteren van niet-zelfvervaardigde metalen constructiewerken en voor het optrekken en afbreken van steigers en werkplatforms;
- Onderneming voor het boren en aanleggen van waterputten,graven van mijnschachten;
- Bouw van civieltechnische werken voor elektriciteit en telecommunicatie;
- Bouw van andere civieltechnische werken;
- Slopen;
- Bouwrijp maken en ruimen van terreinen en bouwterreinen;
- Proefboren en boren;
- Isolatiewerkzaamheden;
- Installatie van stores en zonneschermen;
- Stukadoorswerk;
- Schrijnwerk;
- Installatie van al dan niet verplaatsbare tussenwanden,bekleding van wanden,plafonds,enzovoort in hout of kunststof;
- Installatie van geblindeerde deuren en brandwerende deuren in hout,kunststof of metaal;
- Montage van serres,veranda's,enzovoort,in hout of kunststof;
- Installatie van al dan niet verplaatsbare tussenwanden,de bekleding van wanden,plafonds,enzovoort,in metaal;
- Installatie van binnendeuren en scheidingswanden;
- Plaatsen van tussenwanden van gipsplaten,vloerbedekking,wandbekleding,behang,vloerbedekking en wandbekleding van andere materialen;
- Schilderen van gebouwen,civieltechnische werken,metalen constructies en anderen;
- Glaszetten;
- Gevelreiniging door middel van zandstralen,met behulp van stoom,enzovoort;
- Uitvoeren van metsel- en voegwerken,alsook chapewerken;
- Onderneming voor het uitvoeren van voegwerken;
- Restaureren van bouwwerken;
- Overige gespecialiseerde bouwwerkzaamheden;
- Verhuisbedrijven;
- Reinigen van gebouwen,industriële reiniging,reinigen van het interieur van allerlei gebouwen zoals kantoren,fabrieken,werkplaatsen,allerlei commerciële gebouwen,appartementsgebouwen,enzovoort,alsook het lappen van ramen;
- Detailhandel in huishoudtextiel en beddengoed in gespecialiseerde winkels,in damesbovenkleding in gespecialiseerde winkels,in kledingaccessoires in gespecialiseerde winkels;
- Groothandel in kleding,met uitzondering van werk- en onderkleding,in kledingaccessoires,in schoeisel,in lederwaren en reisartikelen;
- Detailhandel in allerlei producten via het internet (e-commerce),in dames-,heren-,baby- en kinderboven- en onderkleding en kledingaccessoires in gespecialiseerde winkels (algemeen assortiment).
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Muilenstraat 81 registered office 1770 Liedekerke | 25-03-2021 | 2.316.336.541 |
Buildings and parcels at the address
- Ground area
- 211 m²
- Buildings
- 83 m²
- Volume, LiDAR
- 462 m³
- Tallest building
- 9.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23044A0802/00M008 | 211 m² | 1 · 82 m² | 9.0 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0765.633.767