C&K Construct
ActiveSummary
C&K Construct has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €517,552 and a net result of €1,456. Equity has been growing by about 32% per year since 2019. Its solvency ranks better than 95% of 9,394 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 20-11-2017 Normal situation
- Activity
- General construction of residential buildings NACE 41001and 1 other
- Establishment unit
- 2.270.431.983 8500 Kortrijk, since 20-11-2017
- Financial year end
- 30 June
- Peppol
- Reachable since 28-10-2025
Board and ownership
- Huyzentruyt CatherineDirector · since 16-11-2017
- Kurt DEBAENSTDirector · since 16-11-2017
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.2%
- Gross margin
- -€3,854
- ▲ 80.2%
- Profit
- €1,456
- ▼ 24.9%
- Equity
- €517,552
- ▲ 0.3%
- Total assets
- €519,970
- ▲ 0.4%
Score breakdownraises risk1 change of registered office in 24 monthsSector: Construction of residential and non-residential buildings (NACE 41)Liquidity: current ratio 215.04, cash €18,162, halvedlowers riskEquity €517,552 (99.5% of total assets)Show the evidence
Checked score
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 92% of them on solvency, 58% on liquidity, 23% on profitability and 36% on growth.
The bankruptcy probability was computed on 01-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 18 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)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 29-01-2026 PDF all 7 filings
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result for 2025 is a loss of €4,948, smaller than the loss of €21,077 in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Construction of residential and non-residential buildings (NACE 41). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Comparable companies
These companies have the same main activity as C&K Construct: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €480,000 and €546,000, founded between 2017 and 2019.
| Company | Founded | Total assets | Equity | Gross margin | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|
| C&K Construct Kortrijk | 2017 | €519,970 | €517,552 | -€3,854 | €1,456 | - | 2025 |
| NCVD Construct Blankenberge | 2019 | €546,493 | €86,426 | -€20,556 | -€46,928 | 0 | 2025 |
| LIVE PROJECT Chaudfontaine | 2017 | €536,632 | -€56,696 | -€800 | -€128,689 | - | 2024 |
| MON PETIT CHATEAU Kaprijke | 2017 | €502,736 | €315,033 | -€22,382 | -€35,526 | - | 2025 |
| Criel Invest Evergem | 2018 | €485,700 | €399,776 | -€5,185 | -€5,273 | - | 2025 |
| L&V PROJECTS Wellen | 2017 | €480,209 | €171,641 | -€3,965 | -€4,485 | - | 2025 |
| PARA-GIPS Brussel | 2017 | €480,568 | €99,684 | -€3,761 | -€11,807 | - | 2025 |
They were chosen from the 15,546 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 1,639 companies had the same profile as C&K Construct has now. Two years later, 0.5% had gone bankrupt and 95.5% were still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of C&K Construct itself is higher: 1.2% within 12 months. It rests on far more data about C&K Construct than the profile alone.
Test of the method
The method was tested on the 497,445 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 1,639 companies, not a prediction for C&K 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.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | - | €657 | €980 | €1,577 | €1,094 | ▼ 30.7% |
| Gross operating margin9900 | -€19,879 | -€200,723 | €338,075 | €300,714 | €281,744 | -€19,500 | -€3,854 | ▲ 80.2% |
| Operating profit (loss)9901 | -€21,133 | -€201,179 | €337,703 | €300,057 | €280,764 | -€21,077 | -€4,948 | ▲ 76.5% |
| Financial income75/76B | - | - | - | €5,951 | €268 | €33,568 | €13,810 | ▼ 58.9% |
| Recurring financial income75 | €14,006 | €27,393 | €12,836 | €5,951 | €268 | €33,568 | €13,810 | ▼ 58.9% |
| Financial charges65/66B | - | - | - | €35,827 | €20,826 | €9,899 | €1,074 | ▼ 89.2% |
| Recurring financial charges65 | €11,397 | €36,237 | €43,868 | €35,827 | €20,826 | €9,899 | €1,074 | ▼ 89.2% |
| Profit (loss) for the period before taxes9903 | -€18,524 | -€210,023 | €306,671 | €270,182 | €260,205 | €2,592 | €7,789 | ▲ 200% |
| Income taxes67/77 | - | - | €15,625 | €63,747 | €64,981 | €653 | €6,333 | ▲ 869% |
| Profit (loss) for the period9904 | -€18,524 | -€210,023 | €291,046 | €206,435 | €195,225 | €1,938 | €1,456 | ▼ 24.9% |
| Profit (loss) for the period to be appropriated9905 | -€18,524 | -€210,023 | €291,046 | €206,435 | €195,225 | €1,938 | €1,456 | ▼ 24.9% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €0.9m | €2.7m | €4.6m | €2.0m | €1.9m | €0.5m | €0.5m | ▲ 0.4% |
| Fixed assets21/28 | €0.009m | €0.009m | €0.009m | €0.009m | €0 | - | - | - |
| Financial fixed assets28 | €0.009m | €0.009m | €0.009m | €0.009m | €0 | - | - | - |
| Current assets29/58 | €0.9m | €2.6m | €4.6m | €2.0m | €1.9m | €0.5m | €0.5m | ▲ 0.4% |
| Stocks and contracts in progress3 | €0.8m | €2.5m | €3.2m | €1.8m | €0.3m | €0 | - | - |
| Stocks30/36 | - | - | - | €1.8m | €0.3m | €0 | - | - |
| Amounts receivable within one year40/41 | €0.001m | €0.02m | €0.2m | €0.006m | €1.1m | €0.01m | €0.001m | ▼ 92.9% |
| Trade receivables40 | - | - | - | €0.001m | €1.1m | €0.001m | €0.001m | ▼ 45.4% |
| Other amounts receivable41 | - | - | - | €0.006m | €0.02m | €0.01m | €98 | ▼ 99.0% |
| Current investments50/53 | - | - | - | - | - | €0.5m | €0.5m | ▲ 11.1% |
| Cash at bank and in hand54/58 | €0.1m | €0.1m | €1.2m | €0.2m | €0.5m | €0.06m | €0.02m | ▼ 67.8% |
| Deferred charges and accrued income490/1 | - | - | - | €0 | €119 | €0.001m | €0.001m | ▲ 55.4% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €0.9m | €2.7m | €4.6m | €2.0m | €1.9m | €0.5m | €0.5m | ▲ 0.4% |
| Equity10/15 | €0.03m | -€0.2m | €0.1m | €0.3m | €0.5m | €0.5m | €0.5m | ▲ 0.3% |
| Contributions10/11 | €0.05m | - | - | €0.05m | €0.05m | €0.05m | €0.05m | = |
| Profit (loss) carried forward14 | -€0.02m | -€0.2m | €0.06m | €0.3m | €0.5m | €0.5m | €0.5m | ▲ 0.3% |
| Amounts payable17/49 | €0.9m | €2.8m | €4.5m | €1.7m | €1.3m | €0.002m | €0.002m | ▲ 36.4% |
| Amounts payable after more than one year17 | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | €0 | - | - |
| Financial debts170/4 | - | - | - | €0.5m | €0.5m | €0 | - | - |
| Amounts payable within one year42/48 | €0.4m | €2.3m | €3.9m | €1.1m | €0.7m | €0.002m | €0.002m | ▲ 36.4% |
| Financial debts43 | - | - | - | €0 | - | - | - | - |
| Credit institutions430/8 | - | - | - | €0 | - | - | - | - |
| Trade debts44 | - | €0.4m | €0.2m | €0.02m | €0.004m | €0.001m | €225 | ▼ 82.4% |
| Suppliers440/4 | - | - | - | €0.02m | €0.004m | €0.001m | €225 | ▼ 82.4% |
| Taxes, remuneration and social security45 | - | - | - | €0.01m | €0.2m | €0 | €0.002m | - |
| Taxes450/3 | - | - | - | €0.01m | €0.2m | €0 | €0.002m | - |
| Other amounts payable47/48 | - | - | - | €1.0m | €0.5m | €496 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | - | - | €0.1m | €0.2m | €0 | - | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€0.02m | -€0.2m | €0.3m | €0.2m | €0.2m | €0.002m | €0.001m | ▼ 24.9% |
| Operating cash flow (approximation) | -€0.02m | -€0.2m | €0.3m | €0.2m | €0.2m | €0.002m | €0.001m | ▼ 24.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0.009m | - | - | - |
| Change in cash | - | €0.04m | €1.0m | -€1.0m | €0.3m | -€0.5m | -€0.04m | ▲ 91.6% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (7)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | micro format | 29-01-2026 | 2026-00034189 | |
| 30-06-2024 | abbreviated format | 13-02-2025 | 2025-00034363 | |
| 30-06-2023 | abbreviated format | 27-01-2024 | 2024-00022066 | |
| 30-06-2022 | abbreviated format | 30-05-2023 | 2023-00098308 | |
| 30-06-2021 | abbreviated format | 31-01-2022 | 2022-04100016 | |
| 30-06-2020 | abbreviated format | 29-01-2021 | 2021-04600212 | |
| 30-06-2019 | abbreviated format | 30-01-2020 | 2020-03700568 |
Board & ownership
Directors
Owners and capital
Owners
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Huyzentruyt Catherine |
|
| Kurt DEBAENST |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Geheel bevoegdheden toegekend, met mogelijkheid deel te delegeren, iedere bestuurder alleen mag alle handelingen stellen nodig of nuttig…”
Articles of association, deed of 06-02-2023 (in Dutch)
Network & group
Connections & network
2 connected companiesThe connected companies are in the list below.
Timeline
Acts, filings and financial milestones
09-06
Gazette deed
Registered office moved within KortrijkPower of attorney3 points ▸
- Board meeting, 22-05-2026
- Registered-office move, Rijselsestraat(Kor) 14, 8500 Kortrijk
- Power of attorney, NV TITECA
06-02
Gazette deed
Reappointments: Kurt DEBAENST (director) and Catherine HUYZENTRUYT (director)Capital conversion · Reserve release · Amendment of the articles10 points ▸
- General meeting, “D2221244, buitengewone algemene vergadering van de aandeelhouders” (deed in Dutch)
- Other provision, “aanpassing statuten en behoud rechtsvorm, statuten aanpassen aan WVV en rechtsvorm besloten vennootschap (BV) behouden” (deed in Dutch)
- Capital conversion, “vaststelling van rechtswege omzetting”, EUR (deed in Dutch)
- Reserve release, “vormen en meerderheden statutenwijziging, statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Amendment of the articles, mentioned 2 times in the deed
- Director reappointment, Kurt DEBAENST (director)
- Director reappointment, Catherine HUYZENTRUYT (director)
- Other provision, “uitoefening van hun mandaat, kwijting zaakvoerders (bestuurders)” (deed in Dutch)
- Registered office clause, “8500 Kortrijk,Rijselsestraat 18 bus 41, 6° verklaring zetel” (deed in Dutch)
- Power of attorney, Liesbet Degroote
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
15 activities
- Alle immobiliaire operaties of ermee verband houdende verrichtingen met name: de aankoop,verkoop,ruiling,het bouwen,het laten bouwen,afbraakwerken,het huren,verhuren,ter beschikking stellen van gebouwen en gronden,de binnenhuisinrichting,de omvorming of ombouwing en valorisatie van onroerende goederen,in voorkomend geval door middel van lotissering,verkaveling,nieuwbouw,heropbouw of verbouwing,alle activiteiten van makelaar in onroerende goederen.Het beheer van alle roerende en onroerende goederen,onder meer het opstellen van huurcontracten,opmaken van plaatsbeschrijving,inventariëren van meubilair,het vervullen van de functie van syndicus,het opmaken van schattingen en expertises,opmaken van projecten,bouwbegeleiding,enzovoort,zonder dat deze opsommingen beperkend zijn,en dit zowel in België als in het buitenland.
- De aannemingen en de uitvoering van alle openbare en private bouwwerken,alle onderaannemingen,afwerkingen en voltooiingwerken en in het algemeen alle verrichtingen die rechtstreeks of onrechtstreeks met het bouwvak in betrekking staan alsmede het fabriceren,de aankoop,verkoop,de consignatie,de vertegenwoordiging en commissiehandel van alle bouwmaterialen,grondstoffen en artikelen die bij het bouwen tussenkomen.
- De coördinatie,de opvolging en het beheer van activiteiten en projecten zoals bepaald in punt 1 en 2.
- Het optreden als tussenpersoon in de handel,dit in de ruimste zin van het woord.
- Het verstrekken van operationeel,financieel en intellectueel advies betreffende de commerciële organisatie en uitbating van productiebedrijven of dienstverlenende ondernemingen.
- Het verlenen van commercieel advies betreffende de marketing van producten van productie of dienstverlenende ondernemingen.
- Het verlenen van administratief,financieel en managementadvies betreffende het bestuur van diverse ondernemingen in de meest ruime zin van het woord.
- Het bestuur waarnemen van andere vennootschappen of ondernemingen en daarvoor vergoedingen ontvangen.
- Het beheren van bedrijfsruimtes en een onroerend patrimonium,het valoriseren van dit patrimonium door het stellen van alle bestuursdaden onder meer aankoop,verkoop,verhuren,in huur nemen,ruilen,oprichting,laten uitvoeren van bouwwerken dit alles in de ruimste zin.
- Het verwerven van licenties,brevetten en octrooien,alle rechten op knowhow en ontwikkelde procédés.
- Het aankopen,verkopen,overdragen,beheren,te gelde maken en valoriseren van alle roerende waarden,aandelen,obligaties,staatsfondsen,van alle roerende en onroerende goederen en rechten;het verwerven door inschrijving of aankoop,voor eigen rekening van aandelen of participaties,obligaties,kasbons of andere roerende waarden van welke vorm ook,van Belgische of buitenlandse bestaande of nog op te richten vennootschappen,haar aandelen-en participatieportefeuille beheren en ontwikkelen,deze waarden verkopen onder welke vorm dan ook.
- Het bij wijze van inschrijving,inbreng,fusie,samenwerking,financiële tussenkomst of anderszins verwerven van een belang of deelneming in alle bestaande of nog op te richten vennootschappen,ondernemingen,bedrijvigheden of verenigingen zonder onderscheid in België of in het buitenland;alle handels-en financiële operaties verrichten behalve die wettelijk voorbehouden zijn aan depositobanken,houders van deposito's op korte termijn,spaarkassen,hypotheekmaatschappijen en kapitalisatie-ondernemingen.
- Het beheren,valoriseren en te gelde maken van deze belangen of deelnemingen,en in het algemeen het stellen van alle handelingen of daden die nodig of nuttig zijn voor het beheer van dit roerend patrimonium van de vennootschap.
- Het deelnemen aan emissieverrichtingen van aandelen en vastrentende waarden door intekening,waarborgplaatsing,verhandeling of anderszins,alsmede het verwezenlijken van om het even welke verrichtingen inzake portefeuille-of kapitaalbestuur.
- De vennootschap kan in het kader van haar voorwerp optreden in financieringsverrichtingen onder om het even welke vorm,met inbegrip van het intekenen en het verhandelen van aandelen,obligaties,kasbons en andere roerende waarden,het toestaan van leningen in rekening courant,zelfs aan particulieren,zij kan kredieten verlenen of doen verlenen,voorschotten toestaan,zich borg stellen of haar aval verlenen,hypothecaire en andere zekerheden verstrekken of persoonlijke en zakelijke waarborgen doen verstrekken,zij kan zich bezighouden met het aankopen,verkopen,ruilen,het verhuren of het in huur nemen van om het even welke roerende of onroerende goederen,handelseffecten in disconto nemen,en in het algemeen alle handels-en financiële operaties verrichten,in de meest ruime zin,behalve die welke wettelijk voorbehouden zijn aan depositobanken,houders van deposito's op korte termijn,spaarkassen,hypotheekmaatschappijen en kapitalisatieondernemingen.
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 0684.810.496
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 34022G0112/00D000 | Flanders | 171 m² | 1 · 110 m² | 17.9 m · 5 |
| 34022G0111/00A000 | Flanders | 90 m² | 1 · 73 m² | 18.0 m · 5 |