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C & R CONSTRUCT

Active
Private limited companyfounded 2024active for 2 yearsLange Eikstraat 46, 1970 Wezembeek-Oppem, Belgium608 active companies are registered at this addressKBO/BCE: BE 1013.699.983
Summary

The computed 12-month bankruptcy probability of C & R CONSTRUCT is 7.3% (elevated). The 2025 annual accounts show equity of €5,538 and a net result of €4,538. Its solvency ranks better than 18% of 9,348 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
≈ €110,000turnover 2025, estimated
Staff
≈ 0 FTE, estimated
Equity
€5,538
Profit
€4,538
Turnover estimated from the gross margin
Financial health
33 Weak Checked score 2025
Bankruptcy probabilitywithin 12 months
7.3%
Structure
2025 accounts 20 days early
Why 33raises riskFounded in 2024Sector: Construction of residential and non-residential buildings (NACE 41)Liquidity: current ratio 1.09, cash €140lowers riskFigures for financial year 2025 (filed 11-07-2026)Show the evidence

Checked score

Score 2025
33 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 26% of its sector peers (NACE 41, micro)
Financial strength
Weak
Solvency 35
equity 9.6% of total assets
Liquidity 0
short-term debt 90.4% · cash 0.2%
Profitability 79
return on assets 7.9%
Bankruptcy probability, 12 months
7.3% Elevated
0%0.5%1.5%4%10%≥ 25%

About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,446 companies, NACE 41, micro)
Last 24 months 10-2025: 3.6%lowest value 11-2025: 3.6%● unchanged vs 10-2025lowest value 12-2025: 3.8%▲ +0.2 percentage points vs 11-2025 01-2026: 4.1%▲ +0.3 percentage points vs 12-2025 02-2026: 4.2%▲ +0.1 percentage points vs 01-2026 03-2026: 4.6%▲ +0.4 percentage points vs 02-2026 04-2026: 5.0%▲ +0.4 percentage points vs 03-2026 05-2026: 5.0%● unchanged vs 04-2026 06-2026: 4.8%▼ -0.2 percentage points vs 05-2026 07-2026: 4.8%● unchanged vs 06-2026 08-2026: 5.7%▲ +0.9 percentage points vs 07-2026 09-2026: 5.9%▲ +0.2 percentage points vs 08-2026 10-2026: 7.3%▲ +1.4 percentage points vs 09-2026highest value
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.09, below the usual 1.5; short-term debt: 90.4% and cash: 0.2% of total assets), and 90.4% 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 18% on solvency, 2% on liquidity and 58% 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

Six signals.
lowers riskraises riskneutral
raises risk · Founded in 2024
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 · Liquidity: current ratio 1.09, cash €140
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 11-07-2026)
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 9348 sector peers (2025).
NBB · sector comparison
Position among 9348 sector peers
Solvency
better than 18%
← weakest strongest →
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 11-07-2026, 20 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
20 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Registered officeRegistered-office move
  2. Resignations & appointmentsGeneral meeting
  3. Annual accounts filedfinancial year 2025 · micro…

Financials · financial year 2025, micro format

Turnover
≈ €110,000
Estimated: probably between €59,000 and €210,000
Total assets
€57,667
Net result
€4,538
Working capital
€4,683

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 €57,667
Fixed assets €854
Current assets €56,813
Equity and liabilities €57,667
Equity €5,538
Debt €52,130
Debt finances 90.4% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€8,472
Cash flow
€7,254
Current ratio
1.09
Debt to equity
9.41
ROE
81.9%
ROA
7.9%
Interest coverage
over 100
Debt ≤ 1 year
€52,130
Income taxes
€1,228
Staff costs
€858

Peer companies

Historical observation

Of the 2,157 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 94.1% are still going.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more
3.0% went bankrupt
2.8% stopped otherwise
94.1% 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: 7.3% 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 2,157 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 · 38 lines
Balance sheet Code2025
Assets
Total assets20/58€57,667
Fixed assets21/28€854
Intangible fixed assets21€0
Tangible fixed assets22/27€854
Furniture and vehicles24€854
Current assets29/58€56,813
Amounts receivable within one year40/41€56,672
Trade receivables40€55,446
Other amounts receivable41€1,227
Cash at bank and in hand54/58€140
Equity and liabilities
Total equity and liabilities10/49€57,667
Equity10/15€5,538
Contributions10/11€1,000
Reserves13€4,538
Distributable reserves133€4,538
Amounts payable17/49€52,130
Amounts payable within one year42/48€52,130
Trade debts44€43,652
Suppliers440/4€43,652
Taxes, remuneration and social security45€1,228
Taxes450/3€1,228
Other amounts payable47/48€7,250
Income statement Code2025
Remuneration, social security and pensions62€858
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,716
Other operating charges640/8€152
Gross operating margin9900€9,482
Operating profit (loss)9901€5,756
Financial income75/76B€27
Recurring financial income75€27
Financial charges65/66B€18
Recurring financial charges65€18
Profit (loss) for the period before taxes9903€5,765
Income taxes67/77€1,228
Profit (loss) for the period9904€4,538
Profit (loss) for the period to be appropriated9905€4,538
Appropriation of the result
Profit (loss) to be appropriated9906€4,538
Transfer to equity691/2€4,538
To other reserves6921€4,538

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€858
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,716
Other operating charges640/8€152
Gross operating margin9900€9,482
Operating profit (loss)9901€5,756
Financial income75/76B€27
Recurring financial income75€27
Financial charges65/66B€18
Recurring financial charges65€18
Profit (loss) for the period before taxes9903€5,765
Income taxes67/77€1,228
Profit (loss) for the period9904€4,538
Profit (loss) for the period to be appropriated9905€4,538
Line2025
Assets
Total assets20/58€57,667
Fixed assets21/28€854
Intangible fixed assets21€0
Tangible fixed assets22/27€854
Furniture and vehicles24€854
Current assets29/58€56,813
Amounts receivable within one year40/41€56,672
Trade receivables40€55,446
Other amounts receivable41€1,227
Cash at bank and in hand54/58€140
Equity and liabilities
Total equity and liabilities10/49€57,667
Equity10/15€5,538
Contributions10/11€1,000
Reserves13€4,538
Distributable reserves133€4,538
Amounts payable17/49€52,130
Amounts payable within one year42/48€52,130
Trade debts44€43,652
Suppliers440/4€43,652
Taxes, remuneration and social security45€1,228
Taxes450/3€1,228
Other amounts payable47/48€7,250
Line2025
Profit (loss) for the period9904€4,538
+ Depreciation and write-downs630€2,716
Operating cash flow (approximation)€7,254

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 11-07-2026 2026-00284775

Similar companies · same sector, comparable size

Of the 29,226 active companies whose main activity is general construction of residential buildings (NACE 41001), figures are known for 16,354. 7,088 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
No sitting directors in the 3 Gazette acts read. See the directors and other office holders in the KBO →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 19-09-2024 ↗
  • CULIDIUC George Valentin 50 shares (50%) · €500 in cash
  • RACU Alin-Constantin 50 shares (50%) · €500 in cash

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

Capital over the years
  1. 19-09-2024 Incorporation · €1,000 · 100 shares

Group and network

Connections & network

No sitting directors or connected companies in the 3 Gazette acts read.

History

C & R CONSTRUCT was incorporated on 17 September 2024 as a private limited company by two natural persons, with a starting capital of €1,000.12 The registered office was moved to Wezembeek-Oppem in 2026.3 The company has filed annual accounts once, for financial year 2025.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 19-09-2024
  3. 3Belgian Official Gazette, 25-09-2026
  4. 4National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
25-09
Gazette deed Registered office
Registered-office move2 facts ▸
  • Registered-office move, Lange Eikstraat 46, 1970 Wezembeek-Oppem
  • General meeting, 11-09-2026
15-09
Gazette deed Resignations & appointments
General meeting1 fact ▸
  • General meeting, 11-09-2026
11-07
NBB filing Annual accounts filed
financial year 2025 · micro format
2024
19-09
Gazette deed Incorporation
Founder · Founding capital4 facts ▸
  • Incorporation, 17-09-2024
  • Founder, CULIDIUC George Valentin
  • Founder, RACU Alin-Constantin
  • Founding capital, €1,000
Gazette deedNBB filing
3 of 3 deeds read

Register details

Identification
Legal formPrivate limited company
Founded17-09-2024
Financial year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43230Insulation installation
43350Other building finishing work
43990Other specialised construction activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:1013699983
Also 9925:BE1013699983

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

Register as of 29 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 1013.699.983

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

Sites & property

Location & real-estate footprint
Registered office, Wezembeek-Oppem · 1 establishment unit since 2024
registered office establishment The establishment unit on the map
Ground area
1,543 m²
Building footprint
1,216 m²
Building volume
2,867 m³
2 parcels, Flanders · tallest building 14.8 m. Linked by address, not a title deed.
608 companies at this address See who is registered here
1 establishment unit
C & R CONSTRUCT
Nerviërsstraat 1, 2018 AntwerpenGeneral construction of residential buildings
since 2024unit no. 2.364.198.618
2 parcels
Flanders 2 (100%)
Cadastral parcel Region Area Buildings Height / floors
11806F1233/00L008 Flanders 1,022 m² 1 · 891 m² -
22006A0114/00P000 Flanders 520 m² 1 · 325 m² 14.8 m · 3
How the parcels are linked
Good to know
Both parcels match the address exactly.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“Ontwikkeling van residentiële bouwprojecten Projectontwikkeling voor de nieuwbouw van individuele woningen of voor renovatiewerken…” (deed in Dutch)
64 activities (deed in Dutch)
  1. Ontwikkeling van residentiële bouwprojecten Projectontwikkeling voor de nieuwbouw van individuele woningen of voor renovatiewerken
  2. Projectontwikkeling voor de bouw van appartementsgebouwen
  3. Ontwikkeling van niet-residentiële bouwprojecten
  4. Projectontwikkeling voor kantoorbouw
  5. Algemene bouw van residentiële gebouwen
  6. Algemene bouw van andere niet-residentiële gebouwen
  7. Optrekken van de ruwbouw van individuele huizen Bouw van individuele huizen volgens de formule 'sleutel op de deur'
  8. Algemene bouw van kantoorgebouwen
  9. Bouw van autowegen en andere wegen
  10. Bouw van boven- en ondergrondse spoorwegen
  11. Bouw van bruggen en tunnels
  12. Bouw van water- en gasdistributienetten
  13. Bouw van civieltechnische werken voor elektriciteit en telecommunicatie
  14. Aanleg van leidingen voor het vervoer en distributie van elektrische energie
  15. Baggerwerken
  16. Aanleg van kanalen en andere waterwegen
  17. Bouw van andere civieltechnische werken, n.e.g.
  18. Bouw van speel- en sportterreinen, zwembaden, enz.
  19. Slopen van gebouwen en andere bouwwerken
  20. Bouwrijp maken van terreinen
  21. Ruimen van bouwterreinen
  22. Proefboren en het nemen van bodemmonsters ten behoeve van de bouw of voor geofysische, geologische of andere doeleinden
  23. Uitvoeren van horizontale boringen voor het leggen van kabels en kanalisaties
  24. Elektrotechnische installatiewerken aan gebouwen
  25. Onderneming voor de installatie van elektrische bedrading en toebehoren
  26. Loodgieterswerk
  27. Installeren in gebouwen en andere bouwwerken van: loodgieterswerk en sanitaire app., gasleidingen en aansluitingen m.u.v. gasleidingen voor verwarmingssystemen., waterleidingen, brandblusinstallatie, enz.
  28. Onderneming voor de installatie van elektrische verwarmingsinstallaties
  29. Isolatiewerkzaamheden
  30. Algemene bouwinstallatie
  31. Stukadoorswerk
  32. Aanbrengen van pleister- en stukadoorswerk (inclusief het aanbrengen van een hechtgrond) aan de binnen- of buitenzijde van gebouwen en andere bouwwerken
  33. Schrijnwerk
  34. Montage van buiten- en binnenschrijnwerk van hout of van kunststof : deuren, vensters, kozijnen, trappen, muurkasten, inbouwkeukens, winkelinrichtingen, enz.
  35. Installatie van al dan niet verplaatsbare tussenwanden, bekleding van wanden, plafonds, enz. in hout of kunststof
  36. Installatie van garagepoorten, luiken, zonneblinden, traliewerk, hekken, enz., in hout of kunststof
  37. Montage van buiten- en binnenschrijnwerk in metaal: deuren, vensters, kozijnen, trappen, muurkasten, inbouwkeukens, winkelinrichtingen, enz.
  38. Montage van buiten- en binnenschrijnwerk van kunststof
  39. Plaatsen van tussenwanden van gipsplaten
  40. Plaatsen van vloer- en wandtegels
  41. Aanbrengen in gebouwen en andere bouwwerken van : vloer-of wandtegels van keramische stoffen, beton of gehouwen steen, vloerbedekking en wandbekleding van terrazzo marmer, graniet of lei, enz.
  42. Plaatsen van vloerbedekking en wandbekleding van hout
  43. Plaatsen in gebouwen en andere bouwwerken van: parket en andere houten vloerbedekking, wandbekleding van hout
  44. Plaatsen van behang en vloerbedekking en wandbekleding van andere materialen
  45. Plaatsen van behang
  46. Schilderen van het binnen- en buitenwerk van gebouwen
  47. Dakwerkzaamheden
  48. Bouw van daken
  49. Plaatsen van dakbedekking van ongeacht welk materiaal
  50. Plaatsen van dakgoten en regenafvoerbuizen
  51. Onderneming voor het uitvoeren van voegwerken
  52. Overige gespecialiseerde bouwwerkzaamheden
  53. Bouwmarkten en andere doe-het-zelfzaken in bouwmaterialen, algemeen assortiment
  54. Kleinhandel in ijzerwaren, verf en bouwmaterialen
  55. Detailhandel in wand- en vloertegels in gespecialiseerde winkels
  56. Detailhandel in parket-, laminaat- en kurkvloeren in gespecialiseerde winkels
  57. Detailhandel in ijzerwaren en gereedschappen in gespecialiseerde winkels
  58. Detailhandel in verf en verfwaren in gespecialiseerde winkels
  59. Detailhandel in sanitaire artikelen en sanitair installatiemateriaal in gespecialiseerde winkels
  60. Detailhandel in overige bouwmaterialen in gespecialiseerde winkels
  61. Groothandel in bouwmaterialen, algemeen assortiment
  62. Groothandel in hout
  63. Groothandel in sanitair
  64. Overige werkzaamheden in verband met de afwerking van gebouwen

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.
C & R Construct
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
One provision in the deed

deed of 19-09-2024

Who represents it, and how

Who signsWho may bind the company towards others, for example by signing a contract.
Each director alone
Board ruleHow the board is made up, meets and takes decisions.
4 provisions in the deed

deed of 19-09-2024

Capital, shares and profit

Kind of sharesWhich classes of shares exist and what rights each class carries.
One provision in the deed
Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
One provision in the deed
Share issue ruleHow and by whom new shares can be issued.
“Tenzij het bevoegde orgaan er anders over beslist, volledig volgestort bij uitgifte” (deed in Dutch)
“Voorkeurrecht toe aan eigenaar-pandgever tenzij anders overeengekomen, dag van de openstelling van de intekening” (deed in Dutch)

deed of 19-09-2024

Oversight and winding up

Auditor ruleHow a statutory auditor is appointed and what they check, if the company has one.
“Controle, 3 jaar” (deed in Dutch)
Dissolution ruleWhen and by whom the company can be dissolved.
One provision in the deed
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
One provision in the deed

deed of 19-09-2024

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

Other provision: “Aandeelhouders kunnen schriftelijk vragen stellen aan bestuurders en commissarissen, schriftelijke vragen voor av” (deed in Dutch)
23 more provisions in the deed, see the deed of 19-09-2024

deed of 19-09-2024