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AND CONSTRUCT

Active Private limited companyfounded 2020active for 5 yearsAvenue des Sarcelles 30, 1410 WaterlooKBO/BCE: BE 0758.638.186
AND CONSTRUCT
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Overview

Lifetime

6 annual accounts with figures on one time axis
peak €66,753 (2023)
€30,508▲ 36.9%
peak €50,164 (2023)
€19,932▲ 31.6%
peak €135,963 (2025)
€135,963▲ 17.2%
€23,627▲ 30.8%
Board1 name since 2020
1 directorANDREWS Laurent Raymond Yves John
Documentsfilings and deeds
26-08-202626 days late
2025micro format
Gross margin from €22,283 to €30,508Result from €15,143 to €19,932Equity from €116,030 to €135,963Debts from €18,063 to €23,627Investments €74,400

Key points

from the 2025 annual accounts

Equity

€135,963 ▲ 17.2%

AND CONSTRUCT has made a profit in every financial year since 2020.

Turnover

≈ €92,000 estimated

The accounts state no turnover.

Liquidity

3.53 was 7.08 in 2024

Short-term debts rose from €18,063 to €23,449.

Filings

6 annual accounts 4 late
AprilJune31 JulyOctober202020222024

The 2023 accounts came latest: 28 days after the end of the period.

Position in the sector

85.2%

Higher solvency than 85% of companies in architecture and engineering. Sector median 53.9% · 11,794 companies.

Checked score

97
Excellent
Financially stronger than 72% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.1% across 14,828 companies (NACE 71, micro).

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024lowest value 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: 0.1%▲ +0.1 percentage points vs 07-2026highest value 09-2026: < 0.1%▼ -0.1 percentage points vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026

Financial strength
Strong

100=equity 85.2% of total assets
89-9short-term debt 14.7% · cash 33.9%
84+1return on assets 12.5%

Score breakdown

lowers risk
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Liquidity: current ratio 3.53, cash €54,161
Equity €135,963 (85.2% of total assets)
Figures for financial year 2025 (filed on 03-09-2026)
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 71, micro). It does better than 87% of them on solvency, 81% on liquidity, 56% on profitability and 64% 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 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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 AND 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
  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of AND CONSTRUCT itself is lower: < 0.1% within 12 months. It rests on far more data about AND 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.

The companies in ten equal groups, from the lowest to the highest expected share
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 AND 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 €13,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 3.53 (7.08 in 2024), above the usual 1.5. Short-term debt is 14.7% and cash 33.9% of total assets. 14.8% 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.
lowers riskraises risk
lowers risk · Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
KBO
lowers risk · Liquidity: current ratio 3.53, cash €54,161
NBB · annual accounts
lowers risk · Equity €135,963 (85.2% of total assets)
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 03-09-2026)
NBB · annual accounts
raises risk · 2025 accounts filed 26 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filings
Deviation from the deadline
2025
26 days late
2024
28 days late
2023
28 days late
2022
8 days late
2021
45 days early
2020
46 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average on the deadline day. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

AL
ANDREWS Laurent Raymond Yves John
Director, since 20-11-2020
  • ANDREWS Laurent Raymond Yves John 100 sharesdeed of 30-12-2020
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0758638186
Incorporation Founding capital of €7,500, 100 shares · Founder: ANDREWS Laurent Raymond Yves John (founder and shareholder) · Appointment: ANDREWS Laurent Raymond Yves John (director) · Gazette deed
Incorporation Founding capital of €7,500, 100 shares · Founder: ANDREWS Laurent Raymond Yves John (founder and shareholder) · Appointment: ANDREWS Laurent Raymond Yves John (director) · published on 24-11-2020 · Gazette deed
First establishment Avenue des Sarcelles 30, Waterloo
All 13 events

Comparable companies

same main activity, similar in size and age
Company
AND CONSTRUCT Waterloo €159,589 €30,508 85.2% -
CAP CONSULT Mons €184,783 €29,763 78.0% -
KUDU Ghent €140,121 €35,403 1.2% -
NVH Services Turnhout €138,225 €35,134 47.6% -
TAMETEC Florennes €169,800 €25,591 -2.7% -
Preventico Westerlo €131,019 €34,824 85.1% -
C2 INFRA Hoeilaart €169,217 €36,287 29.6% -

These companies have the same main activity as AND CONSTRUCT: engineering and related technical consultancy, excluding land surveyors (NACE 71121). They are comparable in size and age: total assets between €131,000 and €185,000, founded between 2019 and 2021.

Official details

Source: KBO
Status
Active since 20-11-2020Normal situation
Activity
Engineering and related technical consultancy, excluding land surveyorsNACE 71121and 1 other
Establishment unit
2.312.631.5371410 Waterloo, since 20-11-2020
Financial year end
31 December
Peppol
Reachable since 15-07-2025
Company details

Annual accounts 2025

€30,508▲ 36.9%
€19,932▲ 31.6%
€135,963▲ 17.2%
€159,589▲ 19.0%
Filing
Filed on 26-08-2026
Financials

Insights on AND CONSTRUCT

AND CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from €2,765 in 2020 to €30,508 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 26-08-2026, 26 days late
€30,508
▲ 36.9%
€26,381
▲ 46.5%
€19,932
▲ 31.6%
€59,439
▼ 45.9%
85.2%
▼ 1.3 percentage points
3.53
▼ 3.54

The turnover shown is an estimate from the gross margin.

Turnover ≈ €92,000. Estimated: probably between €60,000 and €120,000.

Balance sheet

balance sheet total €159,589 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

85.2%

Higher than 85% of 11,794 companies in 2025.

3.53

Higher than 70% of 11,521 companies in 2025.

12.5%

Higher than 51% of 11,605 companies in 2025.

AND CONSTRUCT Middle half of the sector 80% of the sector Micro accounts in architecture and engineering (NACE 71)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020
Balance sheet: assets
20/58 159,589134,093130,78395,21157,62415,550
21/28 76,7026,21510,26926,07218,2461,200
22/27 2,3026,21510,26925,57217,046-
22 ---11,25011,250-
23 03858491,312--
24 2,3025,8309,42013,0105,796-
28 74,400--5001,2001,200
29/58 82,887127,877120,51469,13939,37814,350
40/41 27,24757,26514,5053299,509-
40 27,24757,26510,5383299,509-
41 --3,966---
54/58 54,16168,209104,76364,84829,59814,350
490/1 1,4802,4031,2473,962271-
Balance sheet: equity and liabilities
10/49 159,589134,093130,78395,21157,62415,550
10/15 135,963116,030105,88763,92435,6889,712
10/11 7,5007,5007,5007,5007,5007,500
14 128,463108,53098,38756,42428,1882,212
17/49 23,62718,06324,89631,28721,9365,838
42/48 23,44918,06324,89631,28721,9365,838
44 7,1754,0487534,6181,646412
440/4 7,1754,0487534,6181,646412
45 16,2169,01415,94321,91813,1494,658
450/3 16,2169,01413,84221,91811,1032,608
454/9 --2,101-2,0462,050
47/48 585,0008,2004,7517,141768
492/3 178-----
Income statement
9900 30,50822,28366,75339,38236,7572,765
630 3,9134,0534,0532,6541,594-
640/8 2142182203322,479-
9901 26,38118,01262,48036,39632,6842,765
75/76B 76861811-
75 76861511-
76B 003---
65/66B 5416851,2915862-
65 5416831,2915862-
66B 01-0--
9903 25,91518,18961,19735,81032,6832,765
67/77 5,9833,04611,0347,5756,707553
9904 19,93215,14350,16428,23625,9762,212
9905 19,93215,14350,16428,23625,9762,212
Appropriation of the result
9906 128,463113,530106,58756,42428,1882,212
14P 108,53098,38756,42428,1882,212-
694/7 -5,0008,200---
695 -5,0008,200---
Document PDFPDFPDFPDFPDFPDF

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 accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 26-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 26 days after the deadline. Filed on 26 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00495478.

Financial year Type Filed Reference Document
31-12-2025 micro format 26-08-2026 2026-00495478 PDF
31-12-2024 micro format 28-08-2025 2025-00423424 PDF
31-12-2023 micro format 28-08-2024 2024-00397031 PDF
31-12-2022 micro format 08-08-2023 2023-00318749 PDF
31-12-2021 full format 16-06-2022 2022-20089665 PDF
31-12-2020 full format 15-06-2021 2021-21400556 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020
30,29422,06566,53439,05034,278-
23,84619,19654,21730,89027,570-
74,4000-11,75016,51518,6401,200
-14,049-36,55439,91435,25015,248-
59,439109,81595,61837,85117,4428,512
85.2%86.5%81.0%67.1%61.9%62.5%
3.537.084.842.211.802.46
0.170.160.240.490.610.60
14.7%13.1%47.4%44.2%72.8%22.8%
12.5%11.3%38.4%29.7%45.1%14.2%
55.9832.2851.5266.64over 100-

EBIT margin: not included in this filing.

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
Item20252024202320222021
Tangible fixed assets---€16,515€18,640
Financial fixed assets€74,400----
€3,913€4,053€4,053€2,654€1,594

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on AND CONSTRUCT

The operating result for 2025 is 46% higher than in 2024. It is a recovery after the fall in 2024.

Debt's share of the balance-sheet total rises from 13.5% to 14.8%. Equity and debt are higher.

Board & ownership

Board

1 director, since incorporation
ANDREWS Laurent Raymond Yves John
Director (not named in the articles)
since 20-11-2020 term without a fixed end
listed in the 2025 annual accounts, filed on 26-08-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 30-12-2020

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
ANDREWS Laurent Raymond Yves John
Director (not named in the articles)
Board
Mandates as a list
  • ANDREWS Laurent Raymond Yves John
    • Director (not named in the articles), from 20-11-2020 to date

See the board, name and registered office on a given date →

Control

Founder
ANDREWS Laurent Raymond Yves John
This company
AND CONSTRUCT
Equity €135,963
Profit €19,932 in 2025

Capital

Contribution
€7,500
Shares
100
Contribution per share
€75
Equity per share
€1,360 in 2025
Source
deed of 30-12-2020

Articles of association

deed of 30-12-2020 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Tuesday of June 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

Shareholders

At incorporation deed of 30-12-2020 ↗
At incorporation deed of 24-11-2020 ↗

Capital transactions

Capital over time
  1. 30-12-2020 Incorporation · €7,500 · 100 shares
  2. 24-11-2020 Incorporation · €7,500 · 100 shares

Network & group

No group

AND CONSTRUCT has no parent and no holdings in its annual accounts. ANDREWS Laurent Raymond Yves John is the only director. AND CONSTRUCT shares no director with another company.

At the same address

Avenue des Sarcelles 30, 1410 Waterloo · 1 other company
Andrews, Vincent (sole trader)
establishment since 01-04-2006
 founded in 2006
0880.066.746

Timeline

Timeline

13 events since 2020

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 26 days late
2025
Annual accounts 2024 filed PDFmicro format · 28 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0758638186
2024
Annual accounts 2023 filed PDFmicro format · 28 days late
2023
Highest result from 2020 to 2025 net €50,164 ▲77.7% The operating result of €62,480 and the net result of €50,164 are both a record.
Liquidity more than doubled current ratio 4.84 The current ratio rises from 2.21 to 4.84. Short-term debt falls from €31,287 to €24,896.
Equity above €100,000 equity €105,887 ▲65.6% With a profit in every financial year since 2020, equity grows to €105,887.
Annual accounts 2022 filed PDFmicro format · 8 days late
2022
Annual accounts 2021 filed PDFfull format · 45 days before the deadline
2021
Annual accounts 2020 filed PDFfull format · 46 days before the deadline
2020
IncorporationFounding capital of €7,500, 100 shares · Founder: ANDREWS Laurent Raymond Yves John (founder and shareholder) · Appointment: ANDREWS Laurent Raymond Yves John (director)5 points ▸

Open the deed in the Belgian Official Gazette

IncorporationFounding capital of €7,500, 100 shares · Founder: ANDREWS Laurent Raymond Yves John (founder and shareholder) · Appointment: ANDREWS Laurent Raymond Yves John (director) · published on 24-11-20205 points ▸

Open the deed in the Belgian Official Gazette

First establishment Avenue des Sarcelles 30, Waterloo

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 20 November 2020, AND CONSTRUCT was incorporated as a private limited company by one natural person, with a starting capital of €7,500.12 ANDREWS Laurent Raymond Yves John has served as director since 2020.3 Total assets went from €15,550 in 2020 to €159,589 in 2025.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 24-11-2020
  3. 3National Bank, annual accounts 2025
  4. 4National Bank, annual accounts 2020 and 2025

Company details

Identity

Enterprise number
0758.638.186
VAT number
BE 0758.638.186
Peppol ID
0208:0758638186
Other Peppol ID
9925:BE0758638186
Legal form
Private limited company
Status
Active, normal situation
Founded
20-11-2020
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Tuesday of June at 18:00
deed of 30-12-2020 (in French)
Peppol
Reachable since 15-07-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
AND CONSTRUCT in French
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 30-12-2020 (in French)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Avenue des Sarcelles 30, 1410 Waterloo”
deed of 30-12-2020 (in French)

Activities

NACEBEL 2025
71121 Engineering and related technical consultancy, excluding land surveyors main activity
43350 Other building finishing work
Codes under NACEBEL 2008
71121 Engineering activities main activity
43390 Specialised construction activities
PurposeThe purpose describes the activities the company may carry out under its articles.
“Toute opération relevant du commerce et de l'investissement immobilier,notamment l'expertise,l'achat,la vente,le conseil,la négociation,la…”
10 activities
  1. Toute opération relevant du commerce et de l'investissement immobilier,notamment l'expertise,l'achat,la vente,le conseil,la négociation,la location,la gestion,la rénovation,la transformation et la valorisation de tous biens immobiliers,l'échange,l'exploitation et l'entretien de tout bien immobilier ainsi que de toutes opérations de financements y relatif
  2. Toute prestation de services,de courtage immobilier,de promotion immobilière,détenir des mandats de gérance d'immeubles et intervenir en tant qu'intermédiaire commercial en général
  3. Ériger toute construction,en tant que maître d'ouvrage ou entrepreneur général et effectuer tous travaux de transformations,de mises en valeur ainsi que l'étude et l'aménagement de projets immobiliers,de lotissement
  4. Acheter et vendre tous matériaux se rapportant au domaine de la construction
  5. Toutes opérations généralement quelconques,commerciales,industrielles,financières,mobilières ou immobilières,se rapportant directement ou indirectement à tous les travaux d'entreprise générale de constructions,tant privées que publiques
  6. La coordination générale et de sécurité de chantiers,et de manière plus large toute opération de gestion de chantiers
  7. Toute opération de conseils en ingénierie dans le domaine de la construction
  8. L'élaboration de devis,métrés,plan
  9. Toutes opérations commerciales et toutes activités d'intermédiaire commercial en tous domaines et toutes matières non réglementés à ce jour,en ce compris l'achat,la vente,la location,l'import et l'export,la commercialisation,le courtage,de tous biens,produits et services,en gros ou au détail,y compris l'alimentation et les boissons,alcoolisées,spiritueux ou non
  10. Toutes opérations de courtage direct en travaux de tous types et dans toutes matières
deed of 30-12-2020 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Avenue des Sarcelles 30 registered office 1410 Waterloo 68110 Buying and selling of own real estate 20-11-2020 2.312.631.537

Buildings and parcels at the address

Ground area
793 m²
Buildings
141 m²
Volume, LiDAR
987 m³
Tallest building
9.3 m
Buildings to scale, each on its own parcel
141 m², 9.3 m 141 m², 9.3 m

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
25762H0688/00K000793 m² 1 · 141 m² 9.3 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 0758.638.186

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