C.L. CONSTRUCT & FILS
ActiveThe computed 12-month bankruptcy probability of C.L. CONSTRUCT & FILS is 1.5% (moderate). The 2025 annual accounts show equity of €19k and a net result of €16k. Its solvency ranks better than 18% of 7376 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+80
Solvency36▼-59
Growth78
Track record82
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.48 against 3.37 in 2024; short-term debt: 72% and cash: 16.7% of total assets), and 89.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
10.7%
Return on assets
8.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7376 sector peers (2025).
NBB · sector comparisonPosition among 7376 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
19 d late
2024
18 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▲ 450%
2024 · €4k
2024: €4k
2024 → 2025
Total assets
€180k▲ 3,508%
2024 · €5k
2024: €5k
2024 → 2025
Net result
€16k
2024 · €-1k
2024: €-1k
2024 → 2025
Working capital
€-68k
2024 · €4k
2024: €4k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€4k-€19k▲ 450%
Operating result€-1k-€29k
Net result€-1k-€16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €29k after a loss of €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€118k
Current assets
€62k
Equity and liabilities €180k
Equity
€19k▲ 450%
Debt
€161k▲ 10,747%
The debt ratio rises from 29.7% to 89.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40k
Cash flow
€27k
Solvency
10.7%▼
2024 · 70.3%
Current ratio
0.48▼
2024 · 3.37
Quick ratio
0.48▼
2024 · 3.37
Debt / equity
8.33▲
2024 · 0.42
ROE
81.8%▲
2024 · -42.2%
ROA
8.8%▲
2024 · -29.7%
Interest coverage
35.00
Debt
€161k▲
2024 · €1k
Debt ≤ 1 year
€130k▲
2024 · €1k
Debt > 1 year
€30k
Income taxes
€12k
Staff costs
€191k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€5k€180k▲
Fixed assets21/28-€118k
Intangible fixed assets21-€22k
Tangible fixed assets22/27-€96k
Plant, machinery and equipment23-€13k
Furniture and vehicles24-€78k
Leasing and similar rights25-€5k
Financial fixed assets28-€304
Current assets29/58€5k€62k▲
Amounts receivable within one year40/41-€29k
Trade receivables40-€26k
Other amounts receivable41-€3k
Cash at bank and in hand54/58€5k€30k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€5k€180k▲
Equity10/15€4k€19k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-1k€14k▲
Amounts payable17/49€1k€161k▲
Amounts payable after more than one year17-€30k
Financial debts170/4-€30k
Amounts payable within one year42/48€1k€130k▲
Current portion of amounts payable after more than one year42-€11k
Trade debts44€1k€51k▲
Suppliers440/4€1k€51k▲
Taxes, remuneration and social security45-€58k
Taxes450/3-€21k
Remuneration and social security454/9-€37k
Other amounts payable47/48-€10k
Accrued charges and deferred income492/3-€900
Income statement
Code20242025
Remuneration, social security and pensions62-€191k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€11k
Other operating charges640/8-€20k
Gross operating margin9900€-1k€251k▲
Operating profit (loss)9901€-1k€29k▲
Financial income75/76B-€102
Recurring financial income75-€102
Financial charges65/66B-€1k
Recurring financial charges65-€1k
Profit (loss) for the period before taxes9903€-1k€28k▲
Income taxes67/77-€12k
Profit (loss) for the period9904€-1k€16k▲
Profit (loss) for the period to be appropriated9905€-1k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€14k▲
Profit (loss) brought forward from the previous period14P-€-1k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Fleurus · 1 establishment unit since 2025
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Omer Lison(L) 806220 FleurusGround area
2,212 m²
Building footprint
157 m²
Volume, LiDAR
1,083 m³
Parcel 52036B0086/00F000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
C.L. CONSTRUCT & FILS
since 20252.369.404.251
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52036B0086/00F000 | Wallonia | 2,212 m² | 1 · 157 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
CJ DEPAN
BE 0729.936.480
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BE 0823.017.977
Zulte · Eq €19k
V.B. BOUWONDERNEMING
BE 0641.955.601
Turnhout · Eq €19k
AMTH Invest
BE 0735.549.515
Grâce-Hollogne · Eq €19k
MRB
BE 0785.265.478
Brussel · Eq €19k
Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 11,451 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2024
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
43120Site preparation
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.