C.L. CONSTRUCT
ActiveSummary
C.L. CONSTRUCT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €486,501 and a net result of €54,054. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 7564 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability52▼-26
Solvency60▲+9
Growth66=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.39 in 2024; short-term debt: 56% and cash: 3.9% of total assets), and 64.6% of the assets are financed with debt.
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. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
35.4%
Return on assets
3.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
on the day
2023
on the day
2022
31 d late
2021
68 d late
2020
90 d late
2019
20 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 28 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#4 company by total assets in Walcourt, Construction sector#6 company by equity in Walcourt, Construction sector
Turnover
€2.6m▲ 17.6%
2018 · €2.2m
EBIT margin
11.2%▲ 10.0pp
2018 · 1.2%
Net result
€54,054▼ 70.7%
2024 · €184,249
Working capital
€378,647▼ 4.6%
2024 · €396,867
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€2.6m
Operating result€84,968▲ 88.5%€1,229▼ 98.6%€42,218▲ 3,335%€289,505▲ 586%€91,026▼ 68.6%
Net result€41,534within the sector's middle half▲ 76.3%€6,279within the sector's middle half▼ 84.9%€7,732within the sector's middle half▲ 23.1%€184,249above the sector's middle half▲ 2,283%€54,054above the sector's middle half▼ 70.7%
EBIT margin11.2%
Equity€234,186within the sector's middle half▲ 21.6%€240,465above the sector's middle half▲ 2.7%€248,197above the sector's middle half▲ 3.2%€432,446above the sector's middle half▲ 74.2%€486,501above the sector's middle half▲ 12.5%
Total assets€2.3mwithin the sector's middle half▼ 10.2%€1.3mabove the sector's middle half▼ 43.1%€1.2mabove the sector's middle half▼ 5.5%€1.6mabove the sector's middle half▲ 36.0%€1.4mabove the sector's middle half▼ 16.6%
Debt€2.0m▼ 12.9%€1.0m▼ 48.4%€963,041▼ 7.5%€1.0m▲ 8.0%€787,972▼ 24.2%
Working capital€181,475▲ 218%€77,668▼ 57.2%€36,040▼ 53.6%€396,867▲ 1,001%€378,647▼ 4.6%
Solvency10.4%below the sector's middle half▲ 2.7pp18.8%within the sector's middle half▲ 8.4pp20.5%within the sector's middle half▲ 1.7pp26.3%within the sector's middle half▲ 5.8pp35.4%within the sector's middle half▲ 9.1pp
Staff (FTE)12within the sector's middle half14.6▲ 21.7%10.5▼ 28.1%
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 69% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€226,130 ▼ 5.2%
Current assets
€1.1m ▼ 18.5%
Equity and liabilities €1.4m
Equity
€486,501 ▲ 12.5%
Provisions
€100,000 ▼ 42.9%
Debt
€787,972 ▼ 24.2%
Debt's share of the balance-sheet total falls from 63.1% to 57.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€110,272▼
2024 · €308,928
Cash flow
€73,300▼
2024 · €203,672
Current ratio
1.49▲
2024 · 1.39
Quick ratio
0.46▲
2024 · 0.29
Debt to equity
1.62▼
2024 · 2.40
ROE
11.1%▼
2024 · 42.6%
ROA
3.9%▼
2024 · 11.2%
Interest coverage
3.46▼
2024 · 8.30
Debt ≤ 1 year
€769,695▼
2024 · €1.0m
Debt > 1 year
€12,461▼
2024 · €26,739
Income taxes
€5,168▼
2024 · €68,062
Staff costs
€246,877▼
2024 · €424,166
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,040 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 96% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.3%
went bankrupt
3.6%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.7% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 6,040 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | €2.6m | - | - |
| Non-recurring operating income76A | - | €4,706 | €2,214 | €10,108 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €2.6m | €2.0m | ▼ 24.6% |
| Remuneration, social security and pensions62 | €517,535 | €601,581 | €462,713 | €424,166 | €246,877 | ▼ 41.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30,281 | €25,569 | €19,396 | €19,423 | €19,245 | ▼ 0.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €299,268 | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | €175,000 | -€75,000 | ▼ 143% |
| Other operating charges640/8 | €2,596 | €2,702 | €14,341 | €89,888 | €16,261 | ▼ 81.9% |
| Non-recurring operating charges66A | - | €293,352 | €6,999 | €6,612 | €500 | ▼ 92.4% |
| Gross operating margin9900 | €635,379 | €924,433 | €545,667 | €1.0m | €598,178 | ▼ 40.5% |
| Operating profit (loss)9901 | €84,968 | €1,229 | €42,218 | €289,505 | €91,026 | ▼ 68.6% |
| Financial income75/76B | - | €39,631 | €152 | €10 | €95 | ▲ 854% |
| Recurring financial income75 | - | €11,804 | €152 | €10 | €95 | ▲ 854% |
| Non-recurring financial income76B | - | €27,827 | - | - | - | - |
| Financial charges65/66B | €27,932 | €30,018 | €28,847 | €37,204 | €31,900 | ▼ 14.3% |
| Recurring financial charges65 | €27,932 | €30,018 | €28,847 | €37,204 | €31,900 | ▼ 14.3% |
| Profit (loss) for the period before taxes9903 | €57,036 | €10,843 | €13,523 | €252,311 | €59,222 | ▼ 76.5% |
| Income taxes67/77 | €15,502 | €4,563 | €5,791 | €68,062 | €5,168 | ▼ 92.4% |
| Profit (loss) for the period9904 | €41,534 | €6,279 | €7,732 | €184,249 | €54,054 | ▼ 70.7% |
| Transfer to tax-exempt reserves689 | - | - | - | €100,000 | - | - |
| Profit (loss) for the period to be appropriated9905 | €41,534 | €6,279 | €7,732 | €84,249 | €54,054 | ▼ 35.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.3m | €1.3m | €1.2m | €1.6m | €1.4m | ▼ 16.6% |
| Fixed assets21/28 | €174,119 | €230,152 | €237,866 | €238,518 | €226,130 | ▼ 5.2% |
| Intangible fixed assets21 | - | - | - | - | €0 | - |
| Tangible fixed assets22/27 | €172,768 | €228,921 | €237,742 | €238,394 | €226,006 | ▼ 5.2% |
| Land and buildings22 | €127,712 | €192,773 | €213,639 | €204,626 | €198,630 | ▼ 2.9% |
| Plant, machinery and equipment23 | €12,887 | €6,115 | €3,650 | €1,907 | €3,481 | ▲ 82.5% |
| Furniture and vehicles24 | €32,168 | €30,034 | €20,452 | €31,861 | €23,896 | ▼ 25.0% |
| Financial fixed assets28 | €1,351 | €1,231 | €124 | €124 | €124 | = |
| Current assets29/58 | €2.1m | €1.1m | €973,372 | €1.4m | €1.1m | ▼ 18.5% |
| Stocks and contracts in progress3 | €575,883 | €513,683 | €682,338 | €1.1m | €796,857 | ▼ 28.6% |
| Stocks30/36 | €575,883 | €265,490 | €247,020 | €226,370 | €206,840 | ▼ 8.6% |
| Contracts in progress37 | - | €248,193 | €435,318 | €889,285 | €590,017 | ▼ 33.7% |
| Amounts receivable within one year40/41 | €1.5m | €487,939 | €244,547 | €177,339 | €291,002 | ▲ 64.1% |
| Trade receivables40 | €1.4m | €442,715 | €205,498 | €144,901 | €238,811 | ▲ 64.8% |
| Other amounts receivable41 | €62,380 | €45,224 | €39,050 | €32,438 | €52,191 | ▲ 60.9% |
| Cash at bank and in hand54/58 | - | €49,643 | €45,098 | €111,007 | €53,265 | ▼ 52.0% |
| Deferred charges and accrued income490/1 | €1,823 | - | €1,389 | €4,550 | €7,218 | ▲ 58.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.3m | €1.3m | €1.2m | €1.6m | €1.4m | ▼ 16.6% |
| Equity10/15 | €234,186 | €240,465 | €248,197 | €432,446 | €486,501 | ▲ 12.5% |
| Contributions10/11 | €95,000 | €95,000 | €99,500 | €99,500 | €99,500 | = |
| Capital10 | €95,000 | €95,000 | - | €99,500 | - | - |
| Issued capital100 | €95,000 | €95,000 | - | €99,500 | - | - |
| Reserves13 | €4,500 | €4,500 | - | €100,000 | €100,000 | = |
| Non-distributable reserves130/1 | €4,500 | €4,500 | - | - | - | - |
| Legal reserve130 | €4,500 | €4,500 | - | - | - | - |
| Tax-exempt reserves132 | - | - | - | €100,000 | €100,000 | = |
| Profit (loss) carried forward14 | €134,686 | €140,965 | €148,697 | €232,946 | €287,001 | ▲ 23.2% |
| Provisions and deferred taxes16 | - | - | - | €175,000 | €100,000 | ▼ 42.9% |
| Provisions for liabilities and charges160/5 | - | - | - | €175,000 | €100,000 | ▼ 42.9% |
| Other liabilities and charges164/5 | - | - | - | €175,000 | €100,000 | ▼ 42.9% |
| Amounts payable17/49 | €2.0m | €1.0m | €963,041 | €1.0m | €787,972 | ▼ 24.2% |
| Amounts payable after more than one year17 | €121,408 | €55,354 | €24,508 | €26,739 | €12,461 | ▼ 53.4% |
| Financial debts170/4 | €121,408 | €55,354 | €24,508 | €26,739 | €12,461 | ▼ 53.4% |
| Amounts payable within one year42/48 | €1.9m | €973,598 | €937,333 | €1.0m | €769,695 | ▼ 23.9% |
| Current portion of amounts payable after more than one year42 | €21,308 | €45,593 | €31,104 | €17,769 | €14,278 | ▼ 19.6% |
| Financial debts43 | €406,176 | €240,000 | €340,000 | €310,000 | €50,000 | ▼ 83.9% |
| Credit institutions430/8 | €406,176 | €240,000 | €340,000 | €310,000 | €50,000 | ▼ 83.9% |
| Trade debts44 | €1.2m | €404,925 | €380,604 | €438,957 | €222,940 | ▼ 49.2% |
| Suppliers440/4 | €1.2m | €365,810 | €316,022 | €438,957 | €222,940 | ▼ 49.2% |
| Bills of exchange payable441 | - | €39,115 | €64,582 | - | - | - |
| Advances received on contracts in progress46 | - | - | - | - | €213,649 | - |
| Taxes, remuneration and social security45 | €95,152 | €123,949 | €79,766 | €128,807 | €154,461 | ▲ 19.9% |
| Taxes450/3 | €33,366 | €68,176 | €61,302 | €109,858 | €135,629 | ▲ 23.5% |
| Remuneration and social security454/9 | €61,786 | €55,773 | €18,465 | €18,949 | €18,832 | ▼ 0.6% |
| Other amounts payable47/48 | €136,234 | €159,131 | €105,858 | €116,151 | €114,366 | ▼ 1.5% |
| Accrued charges and deferred income492/3 | - | €12,000 | €1,200 | €1,200 | €5,816 | ▲ 385% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €41,534 | €6,279 | €7,732 | €184,249 | €54,054 | ▼ 70.7% |
| + Depreciation and write-downs630 | €30,281 | €25,569 | €19,396 | €19,423 | €19,245 | ▼ 0.9% |
| Operating cash flow (approximation) | €71,815 | €31,848 | €27,128 | €203,672 | €73,300 | ▼ 64.0% |
| Investment in fixed assets (approximation) | - | -€81,602 | -€27,110 | -€20,075 | -€6,858 | ▲ 65.8% |
| Change in cash | - | - | -€4,546 | €65,909 | -€57,742 | ▼ 188% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €184,249 ▲2,283%
Operating result €289,505, net result €184,249, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €6,279 ▼84.9%
Net result drops to €6,279, the lowest in the series; recovery starts the following year.
07-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 68 days late
2021
31-12
Financial
Equity above €200,000Eq €234,186 ▲21.6%
4 profitable years in a row build equity to €234,186.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 20 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 2 days late
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Walcourt · 1 establishment unit since 2012
Ground area
2,996 m²
Building footprint
189 m²
Parcel 93024A0693/00E002, Wallonia. Linked by address, not a title deed.
1 establishment unit
C.L.Construct sprl
since 20122.218.547.673
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93024A0693/00E002 | Wallonia | 2,996 m² | 1 · 189 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
26 categoriesC.L. CONSTRUCT SRL#9755
C.L. CONSTRUCT SRL30750
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Of 2,456 companies in sector 41003 we hold annual accounts for 1,055. 620 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-01-2008
Fiscal year end31-12
Abbreviation FR
C.L.C.
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
41002Construction of residential and non-residential buildings
43240Other construction installation
43350Other building finishing work
Contact
E-mail
clconstruct@hotmail.beWalcourt
Phone
0496/94.74.50Walcourt
E-invoicing
Reachable via Peppol
Peppol ID
0208:0894766206
Also
9925:BE0894766206
Registered
30-01-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.