CA CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of CA CONSTRUCT is 2.6% (moderate). The 2025 annual accounts show negative equity (€-61k) and a net result of €-13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 7376 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
19
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-11
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.34 against 0.38 in 2024; short-term debt: 221.4% and cash: 3.5% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-121.4%
Return on assets
-26.2%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-61k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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 · 9 filingsDeviation from the deadline
2025
47 d late
2024
91 d late
2023
26 d late
2022
29 d late
2021
43 d late
2020
5 d late
2019
88 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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-13k▼ 35.4%
2024 · €-10k
2018: €-20k
2019: €13k
2020: €8k
2021: €13k
2022: €-4k
2023: €-52k
2024: €-10k
2018 → 2025
Working capital
€-73k▼ 12.5%
2024 · €-65k
2018: €-275
2019: €9k
2020: €18k
2021: €65k
2022: €-196
2023: €-40k
2024: €-65k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€12k▼ 22.5%€-40k€-49k▼ 24.3%€-61k▼ 22.5%
Operating result€15k-€-20k€-51k▼ 153%€-6k▲ 88.9%€-10k▼ 76.5%
Net result€13k-€-4k€-52k▼ 1,355%€-10k▲ 81.5%€-13k▼ 35.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €6k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€12k▼ 36.7%
Current assets
€38k▼ 2.8%
Key figures and ratios
EBITDA
€-4k▼
2024 · €2k
Cash flow
€-7k▼
2024 · €-2k
Solvency
-121.4%▼
2024 · -85.2%
Current ratio
0.34▼
2024 · 0.38
Quick ratio
0.34▼
2024 · 0.38
Debt / equity
-1.82▲
2024 · -2.17
ROA
-26.2%▼
2024 · -16.6%
Interest coverage
-1.74▼
2024 · 1.31
Debt
€111k▲
2024 · €108k
Debt ≤ 1 year
€111k▲
2024 · €104k
Income taxes
€942▼
2024 · €2k
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€58k€50k▼
Fixed assets21/28€19k€12k▼
Tangible fixed assets22/27€18k€12k▼
Plant, machinery and equipment23€13k€10k▼
Furniture and vehicles24€6k€2k▼
Financial fixed assets28€710€65▼
Current assets29/58€39k€38k▼
Amounts receivable within one year40/41€36k€36k▲
Trade receivables40€23k€36k▲
Other amounts receivable41€12k€145▼
Cash at bank and in hand54/58€3k€2k▼
Deferred charges and accrued income490/1€43€119▲
Equity and liabilities
Total equity and liabilities10/49€58k€50k▼
Equity10/15€-49k€-61k▼
Contributions10/11€1€1=
Capital10€1-
Issued capital100€1-
Reserves13€2k€2k=
Non-distributable reserves130/1€1€1=
Legal reserve130€1-
Reserves not available under the articles1311-€1
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-51k€-62k▼
Amounts payable17/49€108k€111k▲
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€104k€111k▲
Current portion of amounts payable after more than one year42€5k€4k▼
Trade debts44€9k€10k▲
Suppliers440/4€9k€10k▲
Taxes, remuneration and social security45€28k€447▼
Taxes450/3€20k€447▼
Remuneration and social security454/9€7k-
Other amounts payable47/48€62k€96k▲
Income statement
Code20242025
Remuneration, social security and pensions62€874-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€6k▼
Other operating charges640/8€905€2k▲
Gross operating margin9900€4k€-2k▼
Operating profit (loss)9901€-6k€-10k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Non-recurring financial charges66B€339-
Profit (loss) for the period before taxes9903€-8k€-12k▼
Income taxes67/77€2k€942▼
Profit (loss) for the period9904€-10k€-13k▼
Profit (loss) for the period to be appropriated9905€-10k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-51k€-62k▼
Profit (loss) brought forward from the previous period14P€-42k€-49k▼
The notes to these accounts (7 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
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 91 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
12-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 43 days late
2021
31-12
Financial
Highest result since 2018net €13k ▲73.7%
Net result €13k, the highest in the series.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 5 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 88 days late
2019
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
28-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 120 days late
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mons · 2 establishment units since 2017
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 A. Defrise (Jem. II) 597012 MonsGround area
565 m²
Building footprint
142 m²
Volume, LiDAR
1,073 m³
2 parcels, Wallonia · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
CA Construct
since 20172.390.382.381
Napul'é
since 20212.312.475.644
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53014A1025/00Z000 | Wallonia | 352 m² | 1 · 106 m² | 12.2 m · 3 fl. |
| 53027B0042/00Z004 | Wallonia | 213 m² | 1 · 36 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBoussu2.312.475.644
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STEFAN TOP JARDIN
BE 0804.336.371
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Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 10,026 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2016
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
56111Full-service restaurants
43310Plastering work
43410Roofing work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.