Result
€7,678 ▼ 88.4%
The result fell in 2025 from €65,921 to €7,678.
Centraal
Lifetime
3 annual accounts with figures on one time axispeak €120,195 (2024)
€63,321▼ 47.3%
lowest -€15,609 (2023)
€7,678▼ 88.4%
peak €60,990 (2025)
€60,990▲ 14.4%
€562,049▼ 23.0%
Board3 names since 2022
3 directorsBeldé, Adriaan and 2 others
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €120,195 to €63,321Result from €65,921 to €7,678Equity from €53,313 to €60,990Debts from €729,657 to €562,049Cash from €86,802 to €19,127
Key points
from the 2025 annual accountsTurnover
≈ €330,000 estimated
The micro format states no turnover.
Debts
€562,049 90% of the balance sheet
Financial debts 84%Suppliers 9%Taxes and wages 3%Other 4%
Of this, €73,564 falls due within a year.
Liquidity
8.47 was 4.92 in 2024
Short-term debts fell from €159,053 to €73,564.
Filings
3 annual accounts 3 late
The 2025 accounts came latest: 31 days after the end of the period.
Position in the sector
9.8%
Lower solvency than 81% of companies in construction of buildings. Sector median 42.9% · 9,452 companies.
Checked score
50
Fair
Financially stronger than 39% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.1% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,459 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.2%
01-2025: 2.2%● unchanged vs 12-2024
02-2025: 2.2%● unchanged vs 01-2025
03-2025: 2.2%● unchanged vs 02-2025
04-2025: 2.3%▲ +0.1 percentage points vs 03-2025
05-2025: 2.4%▲ +0.1 percentage points vs 04-2025
06-2025: 2.5%▲ +0.1 percentage points vs 05-2025
07-2025: 2.7%▲ +0.2 percentage points vs 06-2025
08-2025: 3.1%▲ +0.4 percentage points vs 07-2025
09-2025: 3.2%▲ +0.1 percentage points vs 08-2025highest value
10-2025: 1.4%▼ -1.8 percentage points vs 09-2025
11-2025: 1.1%▼ -0.3 percentage points vs 10-2025lowest value
12-2025: 1.1%● unchanged vs 11-2025lowest value
01-2026: 1.1%● unchanged vs 12-2025lowest value
02-2026: 1.2%▲ +0.1 percentage points vs 01-2026
03-2026: 1.2%● unchanged vs 02-2026
04-2026: 1.2%● unchanged vs 03-2026
05-2026: 1.3%▲ +0.1 percentage points vs 04-2026
06-2026: 1.5%▲ +0.2 percentage points vs 05-2026
07-2026: 1.8%▲ +0.3 percentage points vs 06-2026
08-2026: 2.2%▲ +0.4 percentage points vs 07-2026
09-2026: 3.1%▲ +0.9 percentage points vs 08-2026
10-2026: 3.1%● unchanged vs 09-2026
11-2026: 3.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Founded in 2022
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
lowers risk
Size: total assets €623,040
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 18% of them on solvency, 56% on liquidity, 24% on profitability and 59% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,514 companies had the same profile as Centraal has now. Each dot stands for 4 companies, two years later.
95.8%
were still trading
1.5%
stopped another way
2.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Centraal itself is higher: 3.1% within 12 months. It rests on far more data about Centraal than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,514 companies, not a prediction for Centraal. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 8.47 (4.92 in 2024), above the usual 1.5. Short-term debt is 11.8% and cash 3.1% of total assets. However, 90.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 9452 sector peers (2025).
NBB · sector comparisonPosition among 9452 sector peers
Solvency
better than 18%
← weakest
strongest →
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
31 days late
2024
29 days late
2023
23 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 28 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Vervynckt, Anthony 100 sharesdeed of 14-03-2022
- Beldé, Adriaan 100 sharesdeed of 14-03-2022
- Smaelen, Robbe 100 sharesdeed of 14-03-2022
Recent changes
Environmental permit granted
Verbouwen en/of uitbreiden zonder functiewijziging en met wijzigen van aantal woongelegenheden · Mechelen
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0783284403
Environmental permit granted
Verbouwen en/of uitbreiden zonder functiewijziging en met wijzigen van aantal woongelegenheden · Mechelen
Environmental permit granted
Verbouwen en/of uitbreiden met functiewijziging en met wijziging van aantal woongelegenheden · Lier
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Centraal Antwerp | €623,040 | €63,321 | 9.8% | - |
| DDR Construction Générale Willebroek | €613,542 | €54,754 | 20.7% | - |
| VW Home - Invest Balen | €620,296 | €56,720 | 67.2% | - |
| ERISMA Watermael-Boitsfort | €632,127 | €63,977 | 43.5% | - |
| ECo@hOme Charleroi | €696,284 | €63,402 | 17.7% | - |
| DALS CONSTRUCT La Louvière | €631,817 | €60,508 | 49.0% | - |
| Huyswerk Keirse Lievegem | €670,032 | €57,592 | 8.6% | - |
These companies have the same main activity as Centraal: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €614,000 and €696,000, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 10-03-2022Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 5 others
- Establishment unit
- 2.329.526.7592140 Antwerp, since 10-03-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2025
Insights on Centraal
Centraal files the micro format. That format states no turnover. The gross margin rose from €8,966 in 2023 to €63,321 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Centraal
- What is the company number of Centraal?
- The company number of Centraal is 0783.284.403. The VAT number is the same number with BE in front: BE 0783.284.403.
- Where is Centraal based?
- The registered office is at Ketsstraat 46, 2140 Antwerp.Company details
- What does Centraal do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of Centraal?
- Centraal is a private limited company (BV).
- When was Centraal founded?
- Centraal was founded on 10-03-2022.
- Is Centraal still active?
- Yes, Centraal is an active enterprise in the KBO register.
- What is the turnover of Centraal?
- The turnover in financial year 2025 is ≈ €330,000. This figure is estimated from the gross margin of €63,321 and 108 comparable companies (NACE 41001). It probably lies between €240,000 and €540,000.Financials
- Is Centraal profitable?
- In financial year 2025, Centraal made a profit of €7,678.
- Where can I find the annual accounts of Centraal?
- Centraal filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Centraal due?
- Centraal must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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