CAPUZZIMATI
ActiveSummary
CAPUZZIMATI has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €439,495 and a net result of €57,604. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 87% of 3557 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability81▲+3
Solvency100▲+10
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 6.28 against 3.55 in 2023; short-term debt: 14.3% and cash: 7.7% of total assets), and 25.2% of the assets are financed with debt.
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Signals
Four 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-10-2025, 83 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
83 d late
2023
167 d late
2022
310 d late
2021
153 d late
2020
31 d late
2019
101 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 141 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, full schema
In the rankings
#9 company by equity in Sambreville, Construction sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€57,604▲ 36.0%
2023 · €42,352
Working capital
€442,791▲ 18.5%
2023 · €373,516
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€33,692▼ 43.9%€98,783▲ 193%€30,618▼ 69.0%€70,412▲ 130%€76,059▲ 8.0%
Net result€23,534within the sector's middle half▲ 112%€69,403within the sector's middle half▲ 195%€20,220within the sector's middle half▼ 70.9%€42,352within the sector's middle half▲ 109%€57,604within the sector's middle half▲ 36.0%
Equity€327,000within the sector's middle half▲ 7.8%€319,319within the sector's middle half▼ 2.3%€339,539within the sector's middle half▲ 6.3%€381,891within the sector's middle half▲ 12.5%€439,495within the sector's middle half▲ 15.1%
Total assets€399,324within the sector's middle half▼ 2.1%€445,322within the sector's middle half▲ 11.5%€567,454within the sector's middle half▲ 27.4%€588,617within the sector's middle half▲ 3.7%€587,546within the sector's middle half▼ 0.2%
Debt€71,915▼ 30.8%€109,609▲ 52.4%€211,232▲ 92.7%€183,535▼ 13.1%€120,758▼ 34.2%
Working capital€309,874within the sector's middle half▲ 12.7%€312,474within the sector's middle half▲ 0.8%€286,340within the sector's middle half▼ 8.4%€373,516within the sector's middle half▲ 30.4%€442,791within the sector's middle half▲ 18.5%
Solvency81.9%above the sector's middle half▲ 7.5pp71.7%above the sector's middle half▼ 10.2pp59.8%above the sector's middle half▼ 11.9pp64.9%above the sector's middle half▲ 5.0pp74.8%above the sector's middle half▲ 9.9pp
Current ratio7.12above the sector's middle half▲ 2.654.08above the sector's middle half▼ 3.042.38within the sector's middle half▼ 1.703.55above the sector's middle half▲ 1.176.28above the sector's middle half▲ 2.73
Return on assets (ROA)5.9%within the sector's middle half▲ 3.2pp15.6%above the sector's middle half▲ 9.7pp3.6%within the sector's middle half▼ 12.0pp7.2%within the sector's middle half▲ 3.6pp9.8%within the sector's middle half▲ 2.6pp
Staff (FTE)10.6within the sector's middle half▼ 4.5%10.5within the sector's middle half▼ 0.9%10.5within the sector's middle half=10.5within the sector's middle half=10.5within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 8% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €587,546
Fixed assets
€60,911 ▼ 11.1%
Current assets
€526,635 ▲ 1.3%
Equity and liabilities €587,546
Equity
€439,495 ▲ 15.1%
Provisions
€27,294 ▲ 17.7%
Debt
€120,758 ▼ 34.2%
Debt's share of the balance-sheet total falls from 31.2% to 20.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€84,989▲
2023 · €83,456
Cash flow
€66,534▲
2023 · €55,396
Debt to equity
0.27▼
2023 · 0.48
ROE
13.1%▲
2023 · 11.1%
Interest coverage
12.33▲
2023 · 7.82
Debt ≤ 1 year
€83,843▼
2023 · €146,546
Debt > 1 year
€27,059▼
2023 · €36,988
Income taxes
€23,429▲
2023 · €17,388
Staff costs
€123,723▲
2023 · €75,008
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 0.7% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% 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 20,134 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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €24,819 | - | - | - |
| Remuneration, social security and pensions62 | - | €69,042 | €60,839 | €75,008 | €123,723 | ▲ 64.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,850 | €14,707 | €8,362 | €13,044 | €8,930 | ▼ 31.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €6,036 | - | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €15,986 | €289 | €6,509 | €4,102 | ▼ 37.0% |
| Other operating charges640/8 | - | €3,250 | €4,923 | €6,103 | €5,313 | ▼ 12.9% |
| Gross operating margin9900 | €178,195 | €201,766 | €105,031 | €177,111 | €218,127 | ▲ 23.2% |
| Operating profit (loss)9901 | €33,692 | €98,783 | €30,618 | €70,412 | €76,059 | ▲ 8.0% |
| Financial income75/76B | - | €0 | - | €1 | €11,866 | ▲ 2,118,816% |
| Recurring financial income75 | €1 | €0 | - | €1 | €11,866 | ▲ 2,118,816% |
| Financial charges65/66B | - | €1,482 | €1,629 | €10,672 | €6,892 | ▼ 35.4% |
| Recurring financial charges65 | €2,021 | €1,482 | €1,629 | €10,672 | €6,892 | ▼ 35.4% |
| Profit (loss) for the period before taxes9903 | €31,672 | €97,301 | €28,989 | €59,740 | €81,033 | ▲ 35.6% |
| Income taxes67/77 | €8,138 | €27,897 | €8,770 | €17,388 | €23,429 | ▲ 34.7% |
| Profit (loss) for the period9904 | €23,534 | €69,403 | €20,220 | €42,352 | €57,604 | ▲ 36.0% |
| Profit (loss) for the period to be appropriated9905 | €23,534 | €69,403 | €20,220 | €42,352 | €57,604 | ▲ 36.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €399,324 | €445,322 | €567,454 | €588,617 | €587,546 | ▼ 0.2% |
| Fixed assets21/28 | €38,782 | €31,364 | €73,812 | €68,554 | €60,911 | ▼ 11.1% |
| Tangible fixed assets22/27 | €26,718 | €19,300 | €61,749 | €56,490 | €48,848 | ▼ 13.5% |
| Plant, machinery and equipment23 | - | €6,847 | €55,104 | €55,178 | €47,316 | ▼ 14.2% |
| Furniture and vehicles24 | - | €12,453 | €6,644 | €1,313 | €1,532 | ▲ 16.7% |
| Financial fixed assets28 | €12,064 | €12,064 | €12,064 | €12,064 | €12,064 | = |
| Current assets29/58 | €360,542 | €413,958 | €493,641 | €520,063 | €526,635 | ▲ 1.3% |
| Amounts receivable within one year40/41 | €336,368 | €358,444 | €479,184 | €466,683 | €479,909 | ▲ 2.8% |
| Trade receivables40 | - | €202,596 | €237,690 | €195,526 | €230,016 | ▲ 17.6% |
| Other amounts receivable41 | - | €155,848 | €241,494 | €271,157 | €249,892 | ▼ 7.8% |
| Cash at bank and in hand54/58 | €22,569 | €54,448 | €13,987 | €48,835 | €45,183 | ▼ 7.5% |
| Deferred charges and accrued income490/1 | - | €1,066 | €470 | €4,545 | €1,542 | ▼ 66.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €399,324 | €445,322 | €567,454 | €588,617 | €587,546 | ▼ 0.2% |
| Equity10/15 | €327,000 | €319,319 | €339,539 | €381,891 | €439,495 | ▲ 15.1% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Outside capital11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Other1109/19 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €71,263 | €91,483 | €133,834 | €191,438 | ▲ 43.0% |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | €69,403 | €89,623 | €131,975 | €189,579 | ▲ 43.6% |
| Profit (loss) carried forward14 | €306,549 | €229,464 | €229,464 | €229,464 | €229,464 | = |
| Provisions and deferred taxes16 | €409 | €16,394 | €16,683 | €23,191 | €27,294 | ▲ 17.7% |
| Provisions for liabilities and charges160/5 | - | €16,394 | €16,683 | €23,191 | €27,294 | ▲ 17.7% |
| Other liabilities and charges164/5 | - | €16,394 | €16,683 | €23,191 | €27,294 | ▲ 17.7% |
| Amounts payable17/49 | €71,915 | €109,609 | €211,232 | €183,535 | €120,758 | ▼ 34.2% |
| Amounts payable after more than one year17 | €15,748 | €8,125 | €3,931 | €36,988 | €27,059 | ▼ 26.8% |
| Financial debts170/4 | - | €8,125 | €3,931 | €36,988 | €27,059 | ▼ 26.8% |
| Amounts payable within one year42/48 | €50,668 | €101,484 | €207,301 | €146,546 | €83,843 | ▼ 42.8% |
| Current portion of amounts payable after more than one year42 | - | €32,623 | €29,194 | €38,386 | €34,929 | ▼ 9.0% |
| Trade debts44 | €16,177 | €31,299 | €164,700 | €92,440 | €23,707 | ▼ 74.4% |
| Suppliers440/4 | - | €31,299 | €164,700 | €92,440 | €23,707 | ▼ 74.4% |
| Taxes, remuneration and social security45 | - | €37,562 | €13,407 | €15,720 | €25,206 | ▲ 60.3% |
| Taxes450/3 | - | €31,208 | €11,008 | €13,312 | €22,158 | ▲ 66.4% |
| Remuneration and social security454/9 | - | €6,354 | €2,399 | €2,408 | €3,048 | ▲ 26.6% |
| Accrued charges and deferred income492/3 | - | - | - | - | €9,856 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23,534 | €69,403 | €20,220 | €42,352 | €57,604 | ▲ 36.0% |
| + Depreciation and write-downs630 | €18,850 | €14,707 | €8,362 | €13,044 | €8,930 | ▼ 31.5% |
| Operating cash flow (approximation) | €42,384 | €84,110 | €28,582 | €55,396 | €66,534 | ▲ 20.1% |
| Investment in fixed assets (approximation) | - | -€7,289 | -€50,811 | -€7,786 | -€1,287 | ▲ 83.5% |
| Change in cash | - | €31,879 | -€40,461 | €34,848 | -€3,651 | ▼ 110% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 83 days late
14-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 167 days late
2024
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 310 days late
2022
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 153 days late
2021
31-12
Financial
Highest result since 2018net €69,403 ▲195%
Operating result €98,783, net result €69,403, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
31-12
Financial
Weakest financial yearnet €11,118 ▼78%
Net result drops to €11,118, the lowest in the series; recovery starts the following year.
22-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 83 days late
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 156 days late
2017
09-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 101 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Sambreville · 1 establishment unit since 1991
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.
Closière J-Baptiste Scoriel(TAM) 35060 Sambreville1 establishment unit
Closière J-Baptiste Scoriel(TAM) 3, 5060 Sambreville
since 19912.052.350.150
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Of 15,524 companies in sector 43990 we hold annual accounts for 7,429. 4,800 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded04-04-1991
Fiscal year end31-12
Activities, NACEBEL 2025
43310Plastering work
43990Other specialised construction activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0443796279
Also
9925:BE0443796279
Registered
23-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.