Equity
CA CONSTRUCT has made a profit in every financial year since 2021.
The dashed line is the sector median: 1.5% across 13,459 companies (NACE 41, micro).
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 66% of them on solvency, 37% on liquidity, 40% on profitability and 38% on growth.
The bankruptcy probability was computed on 07-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
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).
In July 2024, 5,047 companies had the same profile as CA CONSTRUCT has now. Each dot stands for 13 companies, two years later.
The bankruptcy probability of CA CONSTRUCT itself is higher: 5.6% within 12 months. It rests on far more data about CA CONSTRUCT than the profile alone.
The method was tested on the 497,447 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 5,047 companies, not a prediction for CA 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.
Liquidity is ample, with a current ratio of 2.05 (2.65 in 2023), above the usual 1.5. Short-term debt is 35.5% and cash 4.9% of total assets. 42.5% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 4 accounts on average 69 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.
| Company | ||||
|---|---|---|---|---|
| CA CONSTRUCT Beersel | €110,558 | €12,439 | 57.5% | - |
| ANDRAS BUILD Vilvoorde | €116,162 | €11,120 | 92.3% | - |
| ENN RENOVATION Dilbeek | €101,362 | €11,082 | 41.7% | - |
| QUANTUM PRO Wemmel | €112,730 | €14,168 | 65.9% | - |
| SL RENOVATION Machelen (Brab.) | €106,488 | €10,379 | 33.1% | - |
| CJC CONSTRUCT Wemmel | €110,288 | €12,417 | 7.2% | - |
| NYKO KONSTRUKT Machelen (Brab.) | €92,008 | €11,810 | 23.8% | - |
These companies have the same main activity as CA CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €92,000 and €116,000, founded between 2019 and 2021.
CA CONSTRUCT files the micro format. That format states no turnover. The gross margin fell from €55,487 in 2021 to €12,439 in 2024.
The balance sheet grew most in 2023 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 8 November 2026.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €150,000. Estimated: probably between €78,000 and €270,000.
Higher than 66% of 9,833 companies in 2024.
Higher than 60% of 9,553 companies in 2024.
Higher than 29% of 9,646 companies in 2024.
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
| Line | Trend | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
110,558 | 121,121 | 70,527 | 74,149 | |
21/28 |
30,378 | 27,918 | 897 | 1,292 | |
22/27 |
29,878 | 27,418 | 397 | 792 | |
24 |
29,878 | 27,418 | 397 | 792 | |
28 |
500 | 500 | 500 | 500 | |
29/58 |
80,180 | 93,204 | 69,630 | 72,857 | |
3 |
19,501 | - | - | - | |
30/36 |
19,501 | - | - | - | |
40/41 |
53,662 | 49,904 | 51,336 | 69,888 | |
40 |
42,051 | 23,299 | 6,220 | 22,552 | |
41 |
11,611 | 26,606 | 45,116 | 47,337 | |
54/58 |
5,461 | 43,097 | 17,203 | 2,779 | |
490/1 |
1,557 | 202 | 1,091 | 189 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
110,558 | 121,121 | 70,527 | 74,149 | |
10/15 |
63,612 | 63,120 | 48,756 | 33,273 | |
10/11 |
5,000 | 5,000 | 5,000 | 5,000 | |
14 |
58,612 | 58,120 | 43,756 | 28,273 | |
17/49 |
46,946 | 58,001 | 21,771 | 40,875 | |
17 |
7,743 | 16,639 | - | - | |
170/4 |
7,743 | 16,639 | - | - | |
42/48 |
39,203 | 35,155 | 21,534 | 38,300 | |
42 |
8,896 | 8,484 | - | - | |
44 |
25,716 | 3,038 | 10,367 | 12,300 | |
440/4 |
25,716 | 3,038 | 10,367 | 12,300 | |
45 |
4,235 | 8,633 | 11,167 | 6,000 | |
450/3 |
4,235 | 8,633 | 11,167 | 6,000 | |
47/48 |
356 | 15,000 | - | 20,000 | |
492/3 |
- | 6,206 | 237 | 2,576 | |
| Income statement | |||||
9900 |
12,439 | 39,916 | 21,806 | 55,487 | |
630 |
9,331 | 4,707 | 395 | 117 | |
640/8 |
821 | 772 | 589 | 844 | |
9901 |
2,286 | 34,438 | 20,822 | 54,526 | |
75/76B |
32 | 51 | 2 | 4 | |
75 |
32 | 51 | 2 | 4 | |
65/66B |
1,392 | 991 | 173 | 257 | |
65 |
1,392 | 991 | 173 | 257 | |
9903 |
926 | 33,497 | 20,650 | 54,273 | |
67/77 |
435 | 4,133 | 5,167 | 6,000 | |
9904 |
492 | 29,364 | 15,483 | 48,273 | |
9905 |
492 | 29,364 | 15,483 | 48,273 | |
| Appropriation of the result | |||||
9906 |
58,612 | 73,120 | 43,756 | 48,273 | |
14P |
58,120 | 43,756 | 28,273 | - | |
694/7 |
- | 15,000 | - | 20,000 | |
694 |
- | - | - | 20,000 | |
695 |
- | 15,000 | - | - | |
| Document | |||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2024 (PDF), filed on 24-09-2025.
| Line | Trend | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| 11,617 | 39,145 | 21,216 | 54,643 | ||
| 9,823 | 34,071 | 15,878 | 48,390 | ||
| 11,791 | 31,727 | 0 | 1,409 | ||
| -37,636 | 25,894 | 14,424 | - | ||
| 40,977 | 58,048 | 48,096 | 34,557 | ||
| 57.5% | 52.1% | 69.1% | 44.9% | ||
| 2.05 | 2.65 | 3.23 | 1.90 | ||
| 1.55 | 2.65 | 3.23 | 1.90 | ||
| 0.74 | 0.92 | 0.45 | 1.23 | ||
| 0.8% | 46.5% | 31.8% | 145.1% | ||
| 0.4% | 24.2% | 22.0% | 65.1% | ||
| 8.35 | 39.49 | over 100 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Tangible fixed assets | €11,791 | €31,727 | - | €909 |
| Financial fixed assets | - | - | - | €500 |
| €9,331 | €4,707 | €395 | €117 |
Source: notes to the 2021 to 2024 annual accounts (statement of fixed assets)
The operating result for 2024 is 93% lower than in 2023 and the lowest since 2021.
Debt's share of the balance-sheet total falls from 47.9% to 42.5%. Equity is higher and debt is lower.
CA CONSTRUCT has no parent and no holdings in its annual accounts.
| Jarda Lift Services
registered office since 22-06-2023 · founded in 2023 · accounts filed late |
total assets €425,620 (2024) 0803.055.872 |
| Mister Lego
establishment since 20-02-2023 · founded in 2021 · negative equity (2025) |
total assets €59,752 (2025) 0778.315.330 |
| CADI CONCEPT
establishment since 14-07-2020 · founded in 2020 |
total assets €55,959 (2025) 0750.642.319 |
| MC DREAM
establishment since 01-06-2021 · founded in 2021 · negative equity (2024) · accounts filed late |
total assets €13,168 (2024) 0768.881.584 |
| De Clerck, Andrea (sole trader)
establishment since 01-07-2023 |
founded in 2023 0803.263.334 |
See the function holders in the KBO register.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Pastoor Bolsstraat 5 registered office 1652 Beersel | 10-07-2020 | 2.309.481.215 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23001B0070/00T000 | 147 m² | - | - |
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 0750.512.754
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