CAIA-CONSTRUCT

Open bankruptcy

Private limited companyfounded 2021Rue Louis Vilez(F-E) 50, 6140 Fontaine-l'Evêque, BelgiumKBO/BCE: BE 0761.922.528

A bankruptcy procedure is open for CAIA-CONSTRUCT according to publications in the Belgian State Gazette; curator: CATELINE STEFANUTO. The 2024 annual accounts show equity of €7k and a net result of €-3k.

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Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

21222324

2021 to 2024 · latest year €-3k

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 9982 sector peers (2024).

NBB · sector comparison

Position among 9982 sector peers

Solvency

better than 25%

← weakest strongest →

The KBO register records the legal situation: open bankruptcy (code 050). This is today's state according to the register itself; the register carries no start date.

KBO · legal situation

Open bankruptcy

Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

Belgian State Gazette

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-09-2025, 56 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 · 4 filings

Deviation from the deadline

2025

not confirmed

2024

56 d late

2023

26 d late

2022

25 d late

2021

29 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€59k

EBIT margin

13.8%

Net result

€-3k▲ 14.1%

2023 · €-4k

2021: €6k 2022: €2k 2023: €-4k

2021 → 2024

Working capital

€7k▼ 31.2%

2023 · €11k

2021: €12k 2022: €15k 2023: €11k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Turnover€59k-

Equity€12k-€15k▲ 17.7%€11k▼ 26.6%€7k▼ 31.2%

Operating result€8k-€3k▼ 64.2%€-4k€-3k▲ 19.6%

Net result€6k-€2k▼ 65.7%€-4k€-3k▲ 14.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €3k in 2024 against €4k in 2023; the loss shrinks.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Equity and liabilities €42k

17.5%

82.5%

Equity €7k▼ 31.2%

Debt €35k▲ 24.7%

The debt ratio rises from 72.3% to 82.5%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

Solvency

17.5%▼

2023 · 27.7%

Current ratio

1.21▼

2023 · 1.38

Quick ratio

1.21▼

2023 · 1.38

Debt / equity

4.73▲

2023 · 2.61

ROE

-45.3%▼

2023 · -36.3%

ROA

-7.9%▲

2023 · -10.1%

Debt

€35k▲

2023 · €28k

Debt ≤ 1 year

€35k▲

2023 · €28k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€39k€42k▲

Current assets29/58€39k€42k▲

Amounts receivable within one year40/41€504€26k▲

Trade receivables40-€25k

Other amounts receivable41€504€936▲

Cash at bank and in hand54/58€38k€16k▼

Equity and liabilities

Total equity and liabilities10/49€39k€42k▲

Equity10/15€11k€7k▼

Contributions10/11€6k€6k=

Profit (loss) carried forward14€5k€1k▼

Amounts payable17/49€28k€35k▲

Amounts payable within one year42/48€28k€35k▲

Trade debts44€10k€17k▲

Suppliers440/4€10k€17k▲

Taxes, remuneration and social security45€9k€8k▼

Taxes450/3€550-

Remuneration and social security454/9€8k€8k=

Other amounts payable47/48€10k€10k▲

Income statement Code20232024

Gross operating margin9900€-4k€-3k▲

Operating profit (loss)9901€-4k€-3k▲

Financial income75/76B€0€0▼

Recurring financial income75€0€0▼

Financial charges65/66B€153€340▲

Recurring financial charges65€153€340▲

Profit (loss) for the period before taxes9903€-4k€-3k▲

Profit (loss) for the period9904€-4k€-3k▲

Profit (loss) for the period to be appropriated9905€-4k€-3k▲

Appropriation of the result

Profit (loss) to be appropriated9906€5k€1k▼

Profit (loss) brought forward from the previous period14P€9k€5k▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Signals 1Financial 1Filings 4

2026

20-07

Bankruptcy Opening

Tribunal de l’entreprise du Hainaut, division Charleroi · CAIA-CONSTRUCT SRL RUE LOUIS VILEZ 50, 6140 FONTAINE-L’EVEQUE · event 14-07-2026

2025

25-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 56 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 €-4k ▼277%

Net result drops to €-4k, the lowest in the series.

25-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 25 days late

2022

29-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 29 days late

SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 3 acts read

About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

3 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, Fontaine-l'Evêque · 1 establishment unit since 2021

seat establishment The establishment unit on the map

Ground area

537 m²

Building footprint

137 m²

Volume, LiDAR

1,263 m³

2 parcels, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

CAIA-CONSTRUCT

Rue des Cayats 193, 6001 CharleroiLogging

since 20212.313.254.911

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52022C0519/00H006	Wallonia	328 m²	1 · 47 m²	10.0 m · 3 fl.
52045A0499/00D004	Wallonia	208 m²	1 · 89 m²	11.6 m · 3 fl.

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.

Insolvency mandates

1 mandate

Role	Name	Tenure
Curator	CATELINE STEFANUTO RUE DU PARC, 49, 6000 CHARLEROI- . Date provisoire de cessation de paiement : 14/07/2026 ↔ Also on 36 other cases	14-07-2026 → present