CENTAUR Construct
ActiveSummary
CENTAUR Construct has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €202k and a net result of €37k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 78% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 6.09 against 11.05 in 2024; short-term debt: 16% and cash: 26.6% of total assets), and 18.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
81.4%
Return on assets
14.8%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
42 d late
2023
82 d late
2022
31 d late
2021
29 d late
2020
16 d early
2019
19 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€202k▲ 7.4%
2024 · €188k
2018: €31k
2019: €56k
2020: €86k
2021: €106k
2022: €142k
2023: €153k
2024: €188k
2018 → 2025
Total assets
€248k▲ 20.8%
2024 · €205k
2018: €62k
2019: €111k
2020: €123k
2021: €137k
2022: €185k
2023: €168k
2024: €205k
2018 → 2025
Net result
€37k▲ 1.8%
2024 · €36k
2018: €26k
2019: €25k
2020: €31k
2021: €20k
2022: €37k
2023: €11k
2024: €36k
2018 → 2025
Working capital
€202k▲ 16.6%
2024 · €174k
2018: €15k
2019: €27k
2020: €66k
2021: €97k
2022: €117k
2023: €124k
2024: €174k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€106k-€142k▲ 33.9%€153k▲ 7.5%€188k▲ 23.0%€202k▲ 7.4%
Operating result€31k-€52k▲ 66.2%€18k▼ 65.3%€53k▲ 198%€53k▼ 0.4%
Net result€20k-€37k▲ 81.3%€11k▼ 69.0%€36k▲ 216%€37k▲ 1.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €248k
Fixed assets
€6k ▼ 59.8%
Current assets
€242k ▲ 26.9%
Equity and liabilities €248k
Equity
€202k ▲ 7.4%
Debt
€46k ▲ 167%
Debt's share of the balance-sheet total rises from 8.4% to 18.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€63k▼
2024 · €72k
Cash flow
€47k▼
2024 · €55k
Current ratio
6.09▼
2024 · 11.05
Quick ratio
4.40▼
2024 · 6.96
Debt to equity
0.23▲
2024 · 0.09
ROE
18.2%▼
2024 · 19.1%
ROA
14.8%▼
2024 · 17.5%
Interest coverage
554.98▲
2024 · 84.40
Debt ≤ 1 year
€40k▲
2024 · €17k
Income taxes
€16k▼
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€205k€248k▲
Fixed assets21/28€15k€6k▼
Tangible fixed assets22/27€15k€6k▼
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€11k€2k▼
Current assets29/58€191k€242k▲
Stocks and contracts in progress3€71k€67k▼
Contracts in progress37€71k€67k▼
Amounts receivable within one year40/41€86k€109k▲
Trade receivables40€81k€97k▲
Other amounts receivable41€6k€12k▲
Cash at bank and in hand54/58€28k€66k▲
Deferred charges and accrued income490/1€6k-
Equity and liabilities
Total equity and liabilities10/49€205k€248k▲
Equity10/15€188k€202k▲
Contributions10/11€7k€7k=
Reserves13€182k€195k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€182k€195k▲
Profit (loss) carried forward14€0€665▲
Amounts payable17/49€17k€46k▲
Amounts payable within one year42/48€17k€40k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€230-
Credit institutions430/8€230-
Trade debts44€4k€17k▲
Suppliers440/4€4k€17k▲
Taxes, remuneration and social security45€10k€21k▲
Taxes450/3€10k€6k▼
Remuneration and social security454/9-€14k
Other amounts payable47/48€3k€2k▼
Accrued charges and deferred income492/3-€6k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€10k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€74k€65k▼
Operating profit (loss)9901€53k€53k▼
Financial income75/76B€15-
Recurring financial income75€15-
Financial charges65/66B€855€114▼
Recurring financial charges65€855€114▼
Profit (loss) for the period before taxes9903€53k€53k▲
Income taxes67/77€17k€16k▼
Profit (loss) for the period9904€36k€37k▲
Profit (loss) for the period to be appropriated9905€36k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€37k▲
Transfer from equity791/2-€23k
Transfer to equity691/2€35k€59k▲
To contributions691-€23k
To other reserves6921€35k€36k▲
Profit to be distributed694/7€833-
Return on contributions (dividend)694€833-
The notes to these accounts (5 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 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €200kEq €202k ▲7.4%
8 profitable years in a row build equity to €202k.
11-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 42 days late
2024
21-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 82 days late
2023
31-12
Financial
Weakest financial yearnet €11k ▼69%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 9.43
Current ratio from 4.11 to 9.43; short-term debt falls from €38k to €15k.
31-12
Financial
Equity above €150kEq €153k ▲7.5%
6 profitable years in a row build equity to €153k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €37k ▲81.3%
Net result €37k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Equity above €100kEq €106k ▲23.6%
4 profitable years in a row build equity to €106k.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Halle · 1 establishment unit since 2018
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.
Stevens-de Waelplein 121502 HalleGround area
2,285 m²
Building footprint
333 m²
Volume, LiDAR
2,245 m³
Parcel 23043C0094/00C000, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Stevens-de Waelplein 12, 1502 Halle
since 20182.276.583.862
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23043C0094/00C000 | Flanders | 2,285 m² | 1 · 333 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 506 EUR awarded · 506 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 506 EUR | 506 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,025 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-04-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
01430Raising of horses and other equines
41001General construction of residential buildings
68121Development of residential building projects
43211General electrical installation work
43221Plumbing work
71121Engineering and related technical consultancy, excluding land surveyors
85510Sports and recreation education
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:centaur.construct@gmail.com
Phone:+32 476 86 09 10