Liquidity
6.95 was 3.20 in 2025
Short-term debts fell from €13,877 to €5,941.
ANDY-CONSTRUCT
Overview
Lifetime
6 annual accounts with figures on one time axispeak €30,070 (2021)
€9,025▼ 38.2%
lowest -€9,377 (2024)
€1,972▼ 72.7%
peak €38,388 (2023)
€38,214▲ 5.4%
€5,941▼ 57.2%
Board2 names since 2017
1 director
Documentsfilings and deeds
31-08-2026on the last day
2026micro format
Gross margin from €14,601 to €9,025Result from €7,232 to €1,972Debts from €13,877 to €5,941Cash from €22,477 to €13,352
Key points
from the 2026 annual accountsFilings
6 annual accounts 3 late
The 2022 accounts came latest: 30 days after the end of the period.
Position in the sector
86.5%
Higher solvency than 88% of companies in specialised construction. Sector median 49.7% · 1,192 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 10,902 companies had the same profile as ANDY-CONSTRUCT has now. Each dot stands for 28 companies, two years later.
95.2%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
Test of the method
The method was tested on the 497,331 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 10,902 companies, not a prediction for ANDY-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
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0536454045
Change of role: , from manager to director
holds all the shares · Legal-form conversion: from general partnership to private limited company · Auditor report: €31,534.46 · General meeting of 26-10-2021 · Gazette deed
Resignation: (direction technique des opérations pour les métiers du bâtiment)
Transfer of 25 shares from to · Transfer of 5 shares from to · “L'exploitation d'un centre de bien-être, salon d'esthétique, salon de coiffure; Soins de manicure et de…” (deed in French) · General meeting of 10-03-2017 · Gazette deed
First establishment
de Smet de Naeyerlaan 506, Brussels
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ANDY-CONSTRUCT Brussels | €44,155 | €9,025 | 86.5% | - |
| JARO BAT Anderlecht | €39,761 | €10,037 | 66.9% | - |
| ATN CONSTRUCT Ganshoren | €41,084 | €8,008 | 77.9% | - |
| BATI-EMA Brussels | €53,762 | €8,825 | 68.8% | - |
| USC.WEEK Forest | €47,954 | €12,268 | 78.3% | - |
| VT CONCEPT Ixelles | €48,034 | €12,732 | 61.7% | - |
| OMEGA BUILD Berchem-Sainte-Agathe | €55,003 | €8,103 | -23.6% | - |
These companies have the same main activity as ANDY-CONSTRUCT: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €39,800 and €55,000, founded between 2012 and 2015.
Official details
Source: KBO- Status
- Active since 05-07-2013Normal situation
- Activity
- Other specialised construction activitiesNACE 43990and 3 others
- Establishment unit
- 2.220.419.0801020 Brussels, since 11-07-2013
- Financial year end
- 31 January
- Peppol
- Reachable since 16-12-2025
Annual accounts to 31-01-2026
- €9,025▼ 38.2%
- ≈ €120,000estimated
- €1,972▼ 72.7%
- €38,214▲ 5.4%
- €44,155▼ 11.9%
- Filing
- Filed on 31-08-2026, on the last day of the filing period
Insights on ANDY-CONSTRUCT
ANDY-CONSTRUCT files the micro format. That format states no turnover. The gross margin fell from €30,070 in 2021 to €9,025 in 2026.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2026
micro format, filed on 31-08-2026, on the day of the deadline€9,025
▼ 38.2%
€2,902
▼ 67.9%
€6,497
▼ 50.0%
€5,567
▼ 50.2%
86.5%
▲ 14.2 percentage points
6.95
▲ 3.74
Money flows
no detail for 2026Balance sheet
balance sheet total €44,155 on 31-01-2026What the company ownsHow it is paid for
in euro
in euro
Position in the sector
86.5%
Higher than 77% of 37,177 companies in 2025.
6.95
Higher than 73% of 36,472 companies in 2025.
4.5%
Higher than 68% of 36,707 companies in 2025.
ANDY-CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||
20/58 |
44,155 | 50,118 | 42,842 | 46,232 | 86,238 | 80,566 | |
21/28 |
2,893 | 5,662 | 8,574 | 9,551 | 12,125 | 14,542 | |
22/27 |
1,643 | 4,412 | 7,324 | 8,301 | 10,875 | 13,292 | |
23 |
80 | 284 | 489 | 326 | - | - | |
24 |
1,562 | 4,128 | 6,835 | 7,975 | 10,875 | 13,292 | |
28 |
1,250 | 1,250 | 1,250 | 1,250 | 1,250 | 1,250 | |
29/58 |
41,262 | 44,457 | 34,267 | 36,681 | 74,113 | 66,024 | |
40/41 |
27,225 | 20,940 | 24,107 | 24,156 | 47,866 | 34,537 | |
40 |
23,562 | 17,668 | 22,720 | 22,097 | 39,917 | 25,671 | |
41 |
3,663 | 3,272 | 1,387 | 2,059 | 7,949 | 8,865 | |
54/58 |
13,352 | 22,477 | 9,190 | 11,675 | 26,247 | 31,487 | |
490/1 |
685 | 1,039 | 970 | 851 | - | - | |
| Balance sheet: equity and liabilities | |||||||
10/49 |
44,155 | 50,118 | 42,842 | 46,232 | 86,238 | 80,566 | |
10/15 |
38,214 | 36,242 | 29,010 | 38,388 | 35,335 | 34,218 | |
10/11 |
1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | |
10 |
- | - | - | - | 1,000 | - | |
100 |
- | - | - | - | 1,000 | 1,000 | |
13 |
100 | 100 | 100 | 100 | 100 | 100 | |
130/1 |
- | - | - | - | 100 | 100 | |
130 |
- | - | - | - | 100 | 100 | |
133 |
100 | 100 | 100 | 100 | - | - | |
14 |
37,114 | 35,142 | 27,910 | 37,288 | 34,235 | 33,118 | |
17/49 |
5,941 | 13,877 | 13,831 | 7,844 | 50,903 | 46,348 | |
17 |
- | - | - | - | - | 2,295 | |
170/4 |
- | - | - | - | - | 2,295 | |
42/48 |
5,941 | 13,877 | 13,831 | 7,844 | 50,903 | 44,052 | |
42 |
- | - | - | - | 2,295 | 10,191 | |
44 |
5,300 | 10,816 | 9,213 | 5,103 | 41,410 | 23,765 | |
440/4 |
5,300 | 10,816 | 9,213 | 5,103 | 4,679 | 16,830 | |
441 |
- | - | - | - | 36,731 | 6,936 | |
45 |
641 | 2,980 | 4,619 | 2,741 | 7,198 | 10,096 | |
450/3 |
641 | 1,480 | 488 | 1,541 | 7,198 | 10,096 | |
454/9 |
- | 1,500 | 4,131 | 1,200 | - | - | |
47/48 |
- | 80 | - | - | - | - | |
| Income statement | |||||||
70 |
- | - | - | - | 263,556 | 220,334 | |
76A |
- | - | - | - | - | 2,121 | |
9900 |
9,025 | 14,601 | -2,438 | 8,467 | 7,046 | 30,070 | |
60/61 |
- | - | - | - | 258,631 | 194,384 | |
630 |
3,595 | 3,952 | 3,560 | 2,902 | 2,416 | 5,208 | |
640/8 |
2,529 | 1,608 | 1,276 | 781 | 1,796 | 2,087 | |
9901 |
2,902 | 9,040 | -7,273 | 4,783 | 2,834 | 22,775 | |
75/76B |
0 | 1 | 1 | 14 | - | - | |
75 |
0 | 1 | 1 | 14 | - | - | |
65/66B |
289 | 330 | 289 | 240 | 370 | 1,343 | |
65 |
289 | 330 | 289 | 240 | 370 | 1,343 | |
9903 |
2,613 | 8,712 | -7,562 | 4,557 | 2,464 | 21,432 | |
67/77 |
641 | 1,480 | 1,815 | 1,504 | 1,347 | 5,851 | |
9904 |
1,972 | 7,232 | -9,377 | 3,053 | 1,117 | 15,581 | |
9905 |
1,972 | 7,232 | -9,377 | 3,053 | 1,117 | 15,581 | |
| Appropriation of the result | |||||||
9906 |
37,114 | 35,142 | 27,910 | 37,288 | 34,235 | 33,118 | |
14P |
35,142 | 27,910 | 37,288 | 34,235 | 33,118 | - | |
| 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 accounts filed with the NBB.
Source: Annual accounts 2026 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-01-2026 | micro format | 31-08-2026 | 2026-00497919 | |
| 31-01-2025 | micro format | 29-08-2025 | 2025-00484729 | |
| 31-01-2024 | micro format | 30-09-2024 | 2024-00495042 | |
| 31-01-2023 | micro format | 30-09-2023 | 2023-00474450 | |
| 31-01-2022 | full format | 30-09-2022 | 2022-20443426 | |
| 31-01-2021 | full format | 13-08-2021 | 2021-48800087 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|---|
| 6,497 | 12,992 | -3,713 | 7,685 | 5,250 | 27,984 | ||
| 5,567 | 11,184 | -5,817 | 5,955 | 3,533 | 20,790 | ||
| 826 | 1,040 | 2,583 | 328 | 0 | 15,750 | ||
| -9,125 | 13,287 | -2,485 | -14,572 | -5,240 | - | ||
| 35,321 | 30,580 | 20,436 | 28,837 | 23,210 | 21,972 | ||
| - | - | - | - | 1.1% | 10.3% | ||
| 86.5% | 72.3% | 67.7% | 83.0% | 41.0% | 42.5% | ||
| 6.95 | 3.20 | 2.48 | 4.68 | 1.46 | 1.50 | ||
| 0.16 | 0.38 | 0.48 | 0.20 | 1.44 | 1.35 | ||
| 5.2% | 20.0% | -32.3% | 8.0% | 3.2% | 45.5% | ||
| 4.5% | 14.4% | -21.9% | 6.6% | 1.3% | 19.3% | ||
| 22.45 | 39.39 | -12.83 | 32.08 | 14.20 | - | ||
| - | - | - | - | 55 days | 43 days | ||
| - | - | - | - | 58 days | 45 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 | 31-01-2026 | 31-01-2025 | 31-01-2024 | 31-01-2023 | 31-01-2022 |
|---|---|---|---|---|---|
| Tangible fixed assets | €826 | €1,040 | €2,583 | €328 | - |
| €3,595 | €3,952 | €3,560 | €2,902 | €2,416 |
Source: notes to the 2022 to 2026 annual accounts (statement of fixed assets)
Insights on ANDY-CONSTRUCT
The operating result for 2026 is 68% lower than in 2025.
Debt's share of the balance-sheet total falls from 27.7% to 13.5%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, last change in 2021Director (not named in the articles)
appointed by deed of 28-10-2021
term without a fixed end
earlier manager, until 28-10-2021
listed in the 2026 annual accounts, filed on 31-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 28-10-2021
Mandates through the years
2 names, the dashed line is todayDirector (not named in the articles)
Direction technique des opérations pour les métiers du bâtiment
BoardEarliermandate already running before its first mention
Mandates as a list
-
- Director (not named in the articles), appointed by deed of 28-10-2021, still in office
- Manager, until 28-10-2021
-
- Direction technique des opérations pour les métiers du bâtiment, until 27-03-2017
Control
Shareholder
This company
ANDY-CONSTRUCT
Equity €38,214
Profit €1,972 in 2026
Capital
- Contribution
- €1,000
- Source
- 2026 annual accounts
Articles of association
deed of 28-10-2021 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Fixe ou proportionnelle, rémunération des administrateurs”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant, moitié acquéreurs proportionnellement aux actions acquises, mêmes formalités si non actionnaires de plein droit”
Shareholders
Stated in the deed
deed of 28-10-2021 ↗
- all shares
Network & group
No group
ANDY-CONSTRUCT has no parent and no holdings in its annual accounts. is the only director. ANDY-CONSTRUCT shares no director with another company.
At the same address
de Smet de Naeyerlaan 506, 1020 Brussels · 4 other companies| Sombo Shosola, Charlotte (sole trader)
establishment since 01-07-2025 |
founded in 2025 1023.978.817 |
| Kasongo Lutula, Kadi (sole trader)
establishment since 01-02-2023 |
founded in 2023 0652.842.068 |
| Association des copropriétaires de la "résidence 506" à 1020 Bruxelles, boulevard de Smet de Naeyer 506
registered office since 03-07-2009 |
founded in 2009 0817.462.352 |
| centre d'aides et de formations entrepreneuriales
registered office since 03-06-2008 |
founded in 2008 0898.310.565 |
Timeline
Timeline
15 events since 2013Board
Capital
Filings
Financial
Establishments
2014201620182020202220242026
Deadline for the 2027 accounts: 31-08-2027
2026
Annual accounts 2026 filed NBBmicro format · on the deadline day
Liquidity more than doubled current ratio 6.95 The current ratio rises from 3.20 to 6.95. Short-term debt falls from €13,877 to €5,941.
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0536454045
Annual accounts 2025 filed PDFmicro format · 2 days before the deadline
Back to profit net €7,232 The net result is €7,232, after one loss-making year.
2024
Annual accounts 2024 filed PDFmicro format · 30 days late
Weakest financial year net -€9,377 The net result drops to -€9,377, the lowest from 2021 to 2026. It recovers the following year.
2023
Annual accounts 2023 filed PDFmicro format · 30 days late
Liquidity more than triples current ratio 4.68 The current ratio rises from 1.46 to 4.68. Short-term debt falls from €50,903 to €7,844.
2022
Annual accounts 2022 filed PDFfull format · 30 days late
2021
Change of role: , from manager to director holds all the shares · Legal-form conversion: from general partnership to private limited company · Auditor report: €31,534.46 · General meeting of 26-10-20218 points ▸
- Director resignation, (manager)
- Director appointment, (director (not named in the articles))
- Registered office clause, Boulevard de Smet de Naeyer 506/7, 1020 Bruxelles
- General meeting, 26-10-2021
- holds all the shares
- Legal-form conversion, from general partnership to private limited company, mentioned twice in the deed
- Accounting effect, 31-07-2021
- Auditor report, €31,534.46
- The deed holds 20 more points.
Annual accounts 2021 filed PDFfull format · 18 days before the deadline
2017
Resignation: (direction technique des opérations pour les métiers du bâtiment)Transfer of 25 shares from to · Transfer of 5 shares from to · “L'exploitation d'un centre de bien-être, salon d'esthétique, salon de coiffure; Soins de manicure et de…” (deed in French) · General meeting of 10-03-20179 points ▸
- Registered office clause, Boulevard de Smet de Naeyer 506, Boite 7
- General meeting, 10-03-2017
- Purpose change, “L'exploitation d'un centre de bien-être, salon d'esthétique, salon de coiffure; Soins de manicure et de pédicure; Entretien corporel” (deed in French)
- Director resignation, (direction technique des opérations pour les métiers du bâtiment)
- Share transfer, , 25 shares
- Partner, (associé actif)
- Share transfer, , 5 shares
- holds 90 shares
- holds 10 shares
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
Company details
Identity
- Enterprise number
- 0536.454.045
- VAT number
- BE 0536.454.045
- Peppol ID
- 0208:0536454045
- Other Peppol ID
- 9925:BE0536454045
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 05-07-2013
- Financial year
- ends on 31 January
- Peppol
- Reachable since 16-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- ANDY-CONSTRUCT in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 28-10-2021 (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.
- “Région de Bruxelles-Capitale”deed of 28-10-2021 (in French)
Activities
NACEBEL 202543990
Other specialised construction activities main activity
43341
Painting of buildings
Codes under NACEBEL 2008
43999
Specialised construction activities main activity
43333
Wallpapering and laying of floor and wall coverings in other materials
43341
Painting of buildings
43342
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Construction, préparation de sites, démolition d’immeubles et terrassements, le déblayage des chantiers; Réalisation du gros oeuvre des…”deed of 28-10-2021 (in French)
43 activities
- Construction, préparation de sites, démolition d’immeubles et terrassements, le déblayage des chantiers
- Réalisation du gros oeuvre des maisons individuelles et bureaux
- Travaux de platerie
- Terrassement : creusement, comblement, nivellement de chantiers, ouverture de tranchées
- Autres travaux d’aménagement, l’exécution de forages horizontaux
- Travaux d’installation générale
- Travaux d’isolation
- Le nettoyage de bâtiments nouveaux et la remise en état des lieux après travaux
- Le nettoyage à la vapeur, le sablage et les activités analogues appliquées aux parties extérieures des bâtiments, nettoyage industriel
- L’exécution de travaux de rejointoiement
- Plafonnage, cimentage, pose de chape
- Maçonnerie
- Peinture bâtiments et industrielle
- Placement, réparation menuiserie, vitrerie
- Le montage de cloisons sèches à base de plâtre
- Le montage de menuiseries extérieures et intérieures : portes, fenêtres, escaliers, placards, cuisines équipées, équipements pour magasins, dormants de portes et fenêtres, etc.
- Le montage de cloisons mobiles ; le revêtement de murs, de plafonds, etc.
- Pose de revêtements de soi en bois ou en d’autres matériaux
- Soudure
- Montage et démontage d’échafaudages et plates-forme de travail
- L’installation de stores et bannes
- Conseil en systèmes informatiques
- Autres activités de réalisations de logiciels
- Traitement de données
- Entretien et réparation de machines de bureau et de matériel informatique
- Activités de courrier-express et le transport de marchandises au moyen d’un véhicule ayant moins de 500 kilos de charge utile
- Activité de poste
- Le nettoyage de bureaux et tous autres locaux à usage privé, professionnel, commercial et industriel
- Le jardinage et l’aménagement
- Le déménagement, le montage et le démontage de meubles
- L’achat, la vente, l’import, l’export, la représentation et la diffusion de tous produits et marchandises
- Le remorquage et le dépannage routier
- Activités de sécurité privée
- L’exploitation de : atelier de fabrication de tous produits de boulangerie et de pâtisserie, de tous produits alimentaires et non alimentaires
- L’exploitation de : tous snack-bars, brasseries, hôtels, restaurants, tavernes, cafés ou discothèques, buffets, vestiaires pour publics, location de places, salles d’organisation, de banquets et de service traiteur
- L’exploitation de : cyber cafés, centres internet
- L’exploitation de : le messagerie, les services de fax, de cabines téléphoniques et de photocopies, de laboratoires de développement photos, d’atelier de tournage, d’affûtage et de rectification de pièces mécaniques
- L’exploitation de : taxis, car-wash, station service, garage avec atelier de réparation et négociant de véhicules à moteur neufs et d’occasion
- L’exploitation de : services liés au bien-être et confort physique fournis dans les établissements de thalassothérapie stations thermales, bains turcs, saunas, bains de vapeur, solariums, salons de massage, etc.
- La société peut effectuer toutes opérations immobilières qui sont de nature à faciliter la réalisation de son objet
- L’exploitation d’un centre de bien-être, salon d’esthétique, salon de coiffure
- Soins de manicure et de pédicure
- Entretien corporel
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| de Smet de Naeyerlaan 506 registered office 1020 Brussels | 11-07-2013 | 2.220.419.080 |
Buildings and parcels at the address
- Ground area
- 187 m²
- Buildings
- 164 m²
- Volume, LiDAR
- 2,562 m³
- Tallest building
- 18.4 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21816G0163/00Y003 | 187 m² | 1 · 164 m² | 18.4 m · 5 |
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 0536.454.045