CASA IMMO-CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of CASA IMMO-CONSTRUCT is 2.1% (moderate). The 2025 annual accounts show equity of €92,776 and a net result of €82,951. Equity is growing by ~51.1% per year across the filed fiscal years. Its solvency ranks better than 28% of 7564 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability93▲+42
Solvency47▲+13
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 2.62 against 1.78 in 2024; short-term debt: 21% and cash: 29.5% of total assets), but 78.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
21.8%
Return on assets
19.5%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
2 d late
2024
on the day
2023
2 d early
2022
4 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 1 day before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Financials · fiscal year 2025, micro schema
Turnover
€678,294
EBIT margin
1.9%
Net result
€82,951▲ 619%
2024 · €11,545
Working capital
€144,243▲ 74.6%
2024 · €82,601
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Turnover€678,294
Operating result€31,786-€12,902▼ 59.4%€37,044▲ 187%€134,755▲ 264%
Net result€21,562within the sector's middle half-€219within the sector's middle half▼ 99.0%€11,545within the sector's middle half▲ 5,172%€82,951above the sector's middle half▲ 619%
EBIT margin1.9%
Equity€24,562within the sector's middle half-€24,781within the sector's middle half▲ 0.9%€36,326within the sector's middle half▲ 46.6%€92,776within the sector's middle half▲ 155%
Total assets€117,801within the sector's middle half-€359,018above the sector's middle half▲ 205%€412,052above the sector's middle half▲ 14.8%€425,315above the sector's middle half▲ 3.2%
Debt€93,239-€334,237▲ 258%€375,727▲ 12.4%€332,539▼ 11.5%
Working capital€10,952--€18,653€82,601€144,243▲ 74.6%
Solvency20.9%within the sector's middle half-6.9%below the sector's middle half▼ 13.9pp8.8%below the sector's middle half▲ 1.9pp21.8%within the sector's middle half▲ 13.0pp
Staff (FTE)2-3.8
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 264% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €425,315
Fixed assets
€191,922 ▼ 14.2%
Current assets
€233,393 ▲ 23.9%
Equity and liabilities €425,315
Equity
€92,776 ▲ 155%
Debt
€332,539 ▼ 11.5%
Debt's share of the balance-sheet total falls from 91.2% to 78.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€153,787▲
2024 · €59,313
Cash flow
€101,983▲
2024 · €33,814
Current ratio
2.62▲
2024 · 1.78
Debt to equity
3.58▼
2024 · 10.34
ROE
89.4%▲
2024 · 31.8%
ROA
19.5%▲
2024 · 2.8%
Interest coverage
10.39▲
2024 · 3.46
Debt ≤ 1 year
€89,150▼
2024 · €105,733
Debt > 1 year
€242,875▼
2024 · €269,479
Income taxes
€37,000▲
2024 · €9,358
Staff costs
€130,998▲
2024 · €104,611
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,703 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 6,703 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 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Turnover70 | - | €678,294 | - | - | - |
| Non-recurring operating income76A | - | €29,103 | €36,459 | €3,722 | ▼ 89.8% |
| Goods, raw materials, services and sundry goods60/61 | - | €506,940 | - | - | - |
| Remuneration, social security and pensions62 | €100,877 | €145,089 | €104,611 | €130,998 | ▲ 25.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,225 | €12,392 | €22,270 | €19,033 | ▼ 14.5% |
| Other operating charges640/8 | - | €971 | €3,898 | €665 | ▼ 82.9% |
| Gross operating margin9900 | €133,888 | €171,354 | €167,823 | €285,450 | ▲ 70.1% |
| Operating profit (loss)9901 | €31,786 | €12,902 | €37,044 | €134,755 | ▲ 264% |
| Financial income75/76B | €0 | - | €1,025 | - | - |
| Recurring financial income75 | €0 | - | €1,025 | - | - |
| Financial charges65/66B | €2,524 | €10,666 | €17,166 | €14,804 | ▼ 13.8% |
| Recurring financial charges65 | €2,524 | €10,666 | €17,166 | €14,804 | ▼ 13.8% |
| Profit (loss) for the period before taxes9903 | €29,262 | €2,236 | €20,903 | €119,951 | ▲ 474% |
| Income taxes67/77 | €7,700 | €2,017 | €9,358 | €37,000 | ▲ 295% |
| Profit (loss) for the period9904 | €21,562 | €219 | €11,545 | €82,951 | ▲ 619% |
| Profit (loss) for the period to be appropriated9905 | €21,562 | €219 | €11,545 | €82,951 | ▲ 619% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €117,801 | €359,018 | €412,052 | €425,315 | ▲ 3.2% |
| Fixed assets21/28 | €13,610 | €234,914 | €223,718 | €191,922 | ▼ 14.2% |
| Intangible fixed assets21 | €1,528 | €1,188 | €848 | €508 | ▼ 40.1% |
| Tangible fixed assets22/27 | €12,082 | €233,726 | €222,870 | €191,414 | ▼ 14.1% |
| Land and buildings22 | - | €198,401 | €189,680 | €180,958 | ▼ 4.6% |
| Furniture and vehicles24 | €12,082 | €35,325 | €33,191 | €10,456 | ▼ 68.5% |
| Current assets29/58 | €104,191 | €124,104 | €188,334 | €233,393 | ▲ 23.9% |
| Stocks and contracts in progress3 | €30,000 | - | €117,281 | - | - |
| Stocks30/36 | €30,000 | - | €117,281 | - | - |
| Amounts receivable within one year40/41 | €21,493 | €95,631 | €30,657 | €105,417 | ▲ 244% |
| Trade receivables40 | €18,033 | €85,696 | - | €103,912 | - |
| Other amounts receivable41 | €3,461 | €9,935 | €30,657 | €1,506 | ▼ 95.1% |
| Cash at bank and in hand54/58 | €46,032 | €24,988 | €40,172 | €125,390 | ▲ 212% |
| Deferred charges and accrued income490/1 | €6,666 | €3,485 | €224 | €2,586 | ▲ 1,053% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €117,801 | €359,018 | €412,052 | €425,315 | ▲ 3.2% |
| Equity10/15 | €24,562 | €24,781 | €36,326 | €92,776 | ▲ 155% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €21,562 | €21,781 | €33,326 | €89,776 | ▲ 169% |
| Distributable reserves133 | €21,562 | €21,781 | €33,326 | €89,776 | ▲ 169% |
| Amounts payable17/49 | €93,239 | €334,237 | €375,727 | €332,539 | ▼ 11.5% |
| Amounts payable after more than one year17 | - | €191,480 | €269,479 | €242,875 | ▼ 9.9% |
| Financial debts170/4 | - | €191,480 | €269,479 | €242,875 | ▼ 9.9% |
| Amounts payable within one year42/48 | €93,239 | €142,757 | €105,733 | €89,150 | ▼ 15.7% |
| Current portion of amounts payable after more than one year42 | - | €12,079 | €25,793 | €23,612 | ▼ 8.5% |
| Trade debts44 | €41,040 | €63,147 | €29,813 | - | - |
| Suppliers440/4 | €41,040 | €63,147 | €29,813 | - | - |
| Taxes, remuneration and social security45 | €30,224 | €55,939 | €50,127 | €65,211 | ▲ 30.1% |
| Taxes450/3 | €11,871 | €28,466 | €42,457 | €63,237 | ▲ 48.9% |
| Remuneration and social security454/9 | €18,353 | €27,473 | €7,670 | €1,974 | ▼ 74.3% |
| Other amounts payable47/48 | €21,975 | €11,592 | - | €328 | - |
| Accrued charges and deferred income492/3 | - | - | €514 | €514 | = |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,562 | €219 | €11,545 | €82,951 | ▲ 619% |
| + Depreciation and write-downs630 | €1,225 | €12,392 | €22,270 | €19,033 | ▼ 14.5% |
| Operating cash flow (approximation) | €22,787 | €12,611 | €33,814 | €101,983 | ▲ 202% |
| Investment in fixed assets (approximation) | - | -€233,696 | -€11,074 | €12,764 | ▲ 215% |
| Change in cash | - | -€21,044 | €15,184 | €85,218 | ▲ 461% |
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
Next filing, fiscal year 2026, expected by
2026
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-06
Financial
Highest result since 2022net €82,951 ▲619%
Operating result €134,755, net result €82,951, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity doublescurrent ratio 1.78
Current ratio from 0.87 to 1.78; short-term debt falls from €142,757 to €105,733.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €219 ▼99%
Net result drops to €219, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Jemeppe-sur-Sambre · 1 establishment unit since 2021
Ground area
491 m²
Building footprint
129 m²
Volume, LiDAR
992 m³
Parcel 92119C0277/00N000, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CASA IMMO-CONSTRUCT
since 20212.315.173.927
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92119C0277/00N000 | Wallonia | 491 m² | 1 · 129 m² | 9.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,042. 13,167 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
Founded22-01-2021
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0761945391
Registered
14-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.