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Arléo Construct

Active
Private limited companyfounded 2025active for 1 yearChemin des Loriots(SL) 9, 5020 Namur, BelgiumKBO/BCE: BE 1018.391.518
Summary

The computed 12-month bankruptcy probability of Arléo Construct is 1.9% (moderate). The 2025 annual accounts show equity of €36,399 and a net result of €33,399. Its solvency ranks better than 35% of 9,327 sector peers (NACE 41, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
≈ €290,000turnover 2025, estimated
Equity
€36,399
Profit
€33,399
Turnover estimated from the gross margin
Financial health
55 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.9%
Structure
2025 accounts filed 20 days late
Why 55raises riskFounded in 2025Sector: Construction of residential and non-residential buildings (NACE 41)Size: total assets €124,712lowers riskLiquidity: current ratio 1.47, cash €31,829Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 65% of its sector peers (NACE 41, micro)
Financial strength
Strong
Solvency 54
equity 29.2% of total assets
Liquidity 62
short-term debt 41.2% · cash 25.5%
Profitability 100
return on assets 26.8%
Bankruptcy probability, 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,446 companies, NACE 41, micro)
Last 24 months 02-2026: 3.6% 03-2026: 3.7%▲ +0.1 percentage points vs 02-2026 04-2026: 3.7%● unchanged vs 03-2026 05-2026: 4.2%▲ +0.5 percentage points vs 04-2026 06-2026: 4.2%● unchanged vs 05-2026 07-2026: 4.5%▲ +0.3 percentage points vs 06-2026 08-2026: 5.0%▲ +0.5 percentage points vs 07-2026highest value 09-2026: 1.9%▼ -3.1 percentage points vs 08-2026 10-2026: 1.9%● unchanged vs 09-2026lowest value
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.47, below the usual 1.5; short-term debt: 41.2% and cash: 25.5% of total assets), and 70.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 36% on solvency, 68% on liquidity and 91% on profitability.

The bankruptcy probability was computed on 28-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.
lowers riskraises risk
raises risk · Founded in 2025
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Size: total assets €124,712
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.47, cash €31,829
NBB · annual accounts
raises risk · 2025 accounts filed 20 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 1 filing
Deviation from the deadline
2025
20 days late
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2025.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. IncorporationAppointment: DELVAUX Emeric Pierre Marie-Aude…

Financials · financial year 2025, micro format

2025 annual accounts filed late (20 days) Filed on 20 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00410154.

Turnover
≈ €290,000
Estimated: probably between €210,000 and €550,000
Total assets
€124,712
Net result
€33,399
Working capital
€23,954

Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.

Balance-sheet composition
Assets €124,712
Fixed assets €49,378
Current assets €75,335
Equity and liabilities €124,712
Equity €36,399
Debt €88,314
Debt finances 70.8% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€55,127
Cash flow
€44,986
Current ratio
1.47
Debt to equity
2.43
ROE
91.8%
ROA
26.8%
Interest coverage
30.79
Debt ≤ 1 year
€51,380
Debt > 1 year
€36,933
Income taxes
€8,350

Peer companies

Historical observation

Of the 2,390 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 96.7% are still going.

  • Micro
  • under 2 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
1.2% went bankrupt
2.0% stopped otherwise
96.7% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to 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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,390 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 34 lines
Balance sheet Code2025
Assets
Total assets20/58€124,712
Fixed assets21/28€49,378
Tangible fixed assets22/27€48,320
Furniture and vehicles24€48,320
Financial fixed assets28€1,057
Current assets29/58€75,335
Amounts receivable within one year40/41€43,505
Trade receivables40€43,505
Cash at bank and in hand54/58€31,829
Equity and liabilities
Total equity and liabilities10/49€124,712
Equity10/15€36,399
Contributions10/11€3,000
Profit (loss) carried forward14€33,399
Amounts payable17/49€88,314
Amounts payable after more than one year17€36,933
Financial debts170/4€36,933
Amounts payable within one year42/48€51,380
Current portion of amounts payable after more than one year42€11,198
Trade debts44€1,624
Suppliers440/4€1,624
Taxes, remuneration and social security45€18,383
Taxes450/3€16,130
Remuneration and social security454/9€2,254
Other amounts payable47/48€20,175
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11,588
Gross operating margin9900€55,127
Operating profit (loss)9901€43,539
Financial charges65/66B€1,790
Recurring financial charges65€1,790
Profit (loss) for the period before taxes9903€41,749
Income taxes67/77€8,350
Profit (loss) for the period9904€33,399
Profit (loss) for the period to be appropriated9905€33,399
Appropriation of the result
Profit (loss) to be appropriated9906€33,399

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11,588
Gross operating margin9900€55,127
Operating profit (loss)9901€43,539
Financial charges65/66B€1,790
Recurring financial charges65€1,790
Profit (loss) for the period before taxes9903€41,749
Income taxes67/77€8,350
Profit (loss) for the period9904€33,399
Profit (loss) for the period to be appropriated9905€33,399
Line2025
Assets
Total assets20/58€124,712
Fixed assets21/28€49,378
Tangible fixed assets22/27€48,320
Furniture and vehicles24€48,320
Financial fixed assets28€1,057
Current assets29/58€75,335
Amounts receivable within one year40/41€43,505
Trade receivables40€43,505
Cash at bank and in hand54/58€31,829
Equity and liabilities
Total equity and liabilities10/49€124,712
Equity10/15€36,399
Contributions10/11€3,000
Profit (loss) carried forward14€33,399
Amounts payable17/49€88,314
Amounts payable after more than one year17€36,933
Financial debts170/4€36,933
Amounts payable within one year42/48€51,380
Current portion of amounts payable after more than one year42€11,198
Trade debts44€1,624
Suppliers440/4€1,624
Taxes, remuneration and social security45€18,383
Taxes450/3€16,130
Remuneration and social security454/9€2,254
Other amounts payable47/48€20,175
Line2025
Profit (loss) for the period9904€33,399
+ Depreciation and write-downs630€11,588
Operating cash flow (approximation)€44,986

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (1)
Financial year Type Filed Reference
31-12-2025 micro format 20-08-2026 2026-00410154

Similar companies · same sector, comparable size

Of the 29,217 active companies whose main activity is general construction of residential buildings (NACE 41001), figures are known for 16,357. 13,017 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
1 director, no change since 2025
DELVAUX Emeric Pierre Marie-Aude
Director (not named in the articles) · since 10-01-2025
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

1 person since 2025, 1 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
DELVAUX Emeric Pierre Marie-Aude
  • Director (not named in the articles), from 10-01-2025 to date
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 10-01-2025 ↗

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 10-01-2025 Incorporation · €3,000 · 100 shares

Group and network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

Arléo Construct was incorporated on 8 January 2025 as a private limited company by one natural person, with a starting capital of €3,000.12 Since 2025, DELVAUX Emeric Pierre Marie-Aude has served as director of the company.2 The company has filed annual accounts once, for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 10-01-2025
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
20-08
NBB filing Annual accounts filed
financial year 2025 · micro format · 20 days late
2025
10-01
Gazette deed Incorporation
Appointment: DELVAUX Emeric Pierre Marie-Aude (director) · Registered office clause · Board rule11 facts ▸
  • Registered office clause, “5020 Suarlée, chemin des Loriots”, 9, “à dater du dépôt au greffe d'une expédition de l'acte constitutif” (deed in French)
  • Board rule, 1, “assemblée” (deed in French)
  • Director appointment, DELVAUX Emeric Pierre Marie-Aude (director (not named in the articles))
  • Pre-incorporation commitments, “takeover, tous engagements et obligations en résultant et toutes activités entreprises au nom et pour compte de la société en formation” (deed in French)
  • Incorporation, “Arléo Construct” (deed in French)
  • Founder, DELVAUX Emeric Pierre Marie-Aude
  • Founding capital, €3,000
  • Other provision, 07-01-2025
  • Bank account, “BE74 1431 3087 2707, société en formation” (deed in French)
  • Capital
  • Other provision, “capacité et identité, carte d’identité” (deed in French)
Gazette deedNBB filing
1 of 1 deed read

Register details

Identification
Legal formPrivate limited company
Founded08-01-2025
Financial year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43320Joinery installation
43990Other specialised construction activities
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
71121Engineering and related technical consultancy, excluding land surveyors
Contact
E-mail delvaux.emeric@gmail.com
Phone +32477728075
E-invoicing
Reachable via Peppol
Peppol ID 0208:1018391518
Registered 05-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

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, with enterprise number 1018.391.518

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2025
registered office establishment The establishment unit on the map
Ground area
2,394 m²
Building footprint
392 m²
Building volume
1,708 m³
Parcel 92120C0059/00H002, Wallonia · tallest building 7.3 m. Linked by address, not a title deed.
1 establishment unit
Arléo Construct SRL
Chemin des Loriots(SL) 9, 5020 NamurGeneral construction of residential buildings
since 2025unit no. 2.368.367.836
1 parcel
Wallonia 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
92120C0059/00H002 Wallonia 2,394 m² 1 · 392 m² 7.3 m · 1
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“La promotion immobilière résidentielle; La construction générale de bâtiments résidentiels; La construction de ponts et de tunnels; Tous…” (deed in French)
10 activities (deed in French)
  1. La promotion immobilière résidentielle
  2. La construction générale de bâtiments résidentiels
  3. La construction de ponts et de tunnels
  4. Tous travaux d'installation électrotechnique de bâtiment
  5. Tous travaux de plomberie
  6. La pose de carrelages de sols et de murs
  7. Tous travaux de peinture de bâtiments
  8. Toutes activités des marchands de biens immobiliers
  9. La location et l’exploitation de biens immobiliers résidentiels propres ou loués,sauf logements sociaux et terrains
  10. Le conseil pour les affaires et autres conseils de gestion

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
Arléo Construct
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Région wallonne, agences,ateliers,dépôts et succursales,Belgique et étranger” (deed in French)

deed of 10-01-2025

Who represents it, and how

Who signsWho may bind the company towards others, for example by signing a contract.
“Article 11. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”
Board ruleHow the board is made up, meets and takes decisions.
“Un ou plusieurs administrateurs, organe d'administration” (deed in French)
“Rémunération des administrateurs, portée aux frais généraux” (deed in French)

deed of 10-01-2025

Capital, shares and profit

Kind of sharesWhich classes of shares exist and what rights each class carries.
“Nominatives, usufruitier et nu-propriétaire inscrits séparément avec droits respectifs” (deed in French)
Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
“Moitié cédant,moitié acquéreurs au prorata si plusieurs, mêmes formalités si non actionnaires de plein droit” (deed in French)

deed of 10-01-2025

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
15 June at 17:00

deed of 10-01-2025

Oversight and winding up

Dissolution ruleWhen and by whom the company can be dissolved.
“Assemblée générale, formes prévues pour modifications aux statuts” (deed in French)
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
“Dissolution pour quelque cause et à quelque moment, désigner un ou plusieurs liquidateurs et déterminer pouvoirs et émoluments” (deed in French)

deed of 10-01-2025

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Un ou plusieurs commissaires, contrôle de la société” (deed in French)
Other provision: “Administrateur ou à défaut actionnaire présent détenant le plus d'actions ou en cas de parité le plus âgé, séances – procès-verbaux” (deed in French)
Other provision: “Tout actionnaire peut donner à toute autre personne actionnaire ou non par tout moyen de transmission procuration écrite, délibérations” (deed in French)
Other provision: “Organe d'administration, séance tenante” (deed in French)
Other provision: “Répartition – réserves, le cas échéant réduit de perte reportée ou majoré du bénéfice reporté” (deed in French)
Liquidation distribution: “Remis pour être partagés dans même proportion, actif net réparti entre tous actionnaires en proportion de leurs actions” (deed in French)
Other provision: “Fait élection de domicile au siège où communications, sommations, assignations, significations valablement faites, élection de domicile” (deed in French)
Other provision: “Tribunaux du siège compétence exclusive, compétence judiciaire” (deed in French)
Other provision: “Droit commun, censées non écrites” (deed in French)
Other provision: “Appels de fonds, à leur émission” (deed in French)
Other provision: “Apport en numéraire avec émission nouvelles actions-droit de préférence, courrier électronique,ou courrier ordinaire même jour si sans…” (deed in French)
2 more provisions in the deed, see the deed of 10-01-2025

deed of 10-01-2025