CELINE CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of CELINE CONSTRUCT is 2.2% (moderate). The 2026 annual accounts show equity of €25k and a net result of €1k. Equity is growing by ~40.2% per year across the filed fiscal years. Its solvency ranks better than 66% of 60 sector peers (fiscal year 2026). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
78
/ 100
Excellent▼ -15 vs 2025
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability25▼-75
Solvency100=
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.4 against 5.37 in 2025), and 29.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 41
higher
← 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 2026Solvency, return and age of the figures
Solvency
70.6%
Return on assets
3.5%
Age of the figures
7 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 25-08-2026, 6 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2026
6 d early
2025
30 d late
2024
17 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Turnover
€242k
EBIT margin
2.6%
Net result
€1k▼ 93.1%
2025 · €18k
2024: €5k
2025: €18k
2024 → 2026
Working capital
€25k▲ 5.2%
2025 · €23k
2024: €6k
2025: €23k
2024 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202420252026Trend
Turnover€242k-
Equity€6k-€23k▲ 303%€25k▲ 5.2%
Operating result€6k-€23k▲ 264%€2k▼ 92.7%
Net result€5k-€18k▲ 266%€1k▼ 93.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 93% below 2025 and is the lowest year so far.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Equity and liabilities €35k
Equity
€25k▲ 5.2%
Debt
€10k▲ 91.5%
The debt ratio rises from 18.6% to 29.4%: debt grows faster than equity.
Key figures and ratios
Solvency
70.6%▼
2025 · 81.4%
Current ratio
3.40▼
2025 · 5.37
Quick ratio
3.40▼
2025 · 5.37
Debt / equity
0.42▲
2025 · 0.23
ROE
4.9%▼
2025 · 75.2%
ROA
3.5%▼
2025 · 61.2%
Debt
€10k▲
2025 · €5k
Debt ≤ 1 year
€10k▲
2025 · €5k
Income taxes
€348▼
2025 · €5k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€29k€35k▲
Current assets29/58€29k€35k▲
Amounts receivable within one year40/41€26k€30k▲
Trade receivables40€22k€30k▲
Other amounts receivable41€4k€184▼
Cash at bank and in hand54/58€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€29k€35k▲
Equity10/15€23k€25k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€22k€24k▲
Amounts payable17/49€5k€10k▲
Amounts payable within one year42/48€5k€10k▲
Trade debts44€345€404▲
Suppliers440/4€345€404▲
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€5k€5k▲
Remuneration and social security454/9-€5k
Other amounts payable47/48€50€50=
Income statement
Code20252026
Other operating charges640/8€136€14▼
Gross operating margin9900€23k€2k▼
Operating profit (loss)9901€23k€2k▼
Financial charges65/66B€230€96▼
Recurring financial charges65€230€96▼
Profit (loss) for the period before taxes9903€23k€2k▼
Income taxes67/77€5k€348▼
Profit (loss) for the period9904€18k€1k▼
Profit (loss) for the period to be appropriated9905€18k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€24k▲
Profit (loss) brought forward from the previous period14P€5k€22k▲
The notes to these accounts (1 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 2027, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-01
Financial
Weakest financial yearnet €1k ▼93.1%
Net result drops to €1k, the lowest in the series.
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
31-01
Financial
Highest result since 2024net €18k ▲266%
Operating result €23k, net result €18k, both a record.
31-01
Financial
Liquidity triplescurrent ratio 5.37
Current ratio from 1.60 to 5.37; short-term debt falls from €10k to €5k.
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2025
SIMCOILO STEFAN
CurrentDirector · since 25-09-2025
25-09-2025
SIMCOILO STEFAN: Appointed as Director
25-09-2025
CIUBOTA SERGIU: Resigned as Director
Location & real-estate footprint
Registered office, Wemmel · 1 establishment unit since 2023
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.
Koning Albert I Laan 601780 WemmelGround area
1,054 m²
Building footprint
382 m²
Volume, LiDAR
1,282 m³
2 parcels, Flanders · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CELINE CONSTRUCT
since 20232.341.492.896
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0344/00R003 | Flanders | 781 m² | 1 · 276 m² | 2.9 m |
| 23322B0100/00W016 | Flanders | 273 m² | 1 · 106 m² | 14.2 m · 4 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.
Similar companies · same sector, comparable size
Karweiwerken J. Vekemans
BE 0784.281.721
Nijlen · Eq €25k
Patrick Sels Bouwonderneming
BE 0782.776.538
Zoersel · Eq €25k
JRY PROJECT
BE 0800.259.304
Dilsen-Stokkem · Eq €25k
MARKI
BE 0750.537.795
Flémalle · Eq €25k
Bouwwerken Bjorn Van den broeck
BE 0776.346.626
Lille · Eq €25k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,863. 11,899 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2023
Fiscal year end31-01
Activities, NACEBEL
41001General construction of residential buildings
43240Other construction installation
43299Specialised construction activities
43350Other building finishing work
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.