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Certi & Construct

Active
Private limited company (pre-2019)founded 2013active for 12 yearsde Ribaucourtstraat 106, 1080 Sint-Jans-Molenbeek, BelgiumKBO/BCE: BE 0543.435.768

From the official registers: KBO 9 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

Certi & Construct has been active since 2013 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 2 administrative register entries. The 2025 annual accounts show negative equity (-€27,614) and a net result of €1,725. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 12% of 22,726 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.5% (low).

Overview

Official details

KBO
Status
Active since 19-12-2013 Normal situation
Activity
Retail sale of household furniture NACE 47551and 4 others
Establishment unit
2.301.216.518 1080 Sint-Jans-Molenbeek, since 01-04-2014
Financial year end
31 December
Peppol
Reachable since 12-12-2025

Board and ownership

Financial position

55 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.5%
Annual accounts 2025
Gross margin
€6,175
Turnover
≈ €65,000
estimated
Profit
€1,725
Equity
-€27,614
Total assets
€58,196
Filed on 31-08-2026, 31 days after the deadlineat the National Bank
Score breakdownraises riskCapped at 59: negative equityNegative equity -€27,614Last filed accounts filed 31 days late; 3 of the last 3 accounts latelowers riskSize: total assets €58,196Liquidity: current ratio 0.67, cash €41,859Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 38% of micro companies in retail trade (NACE 47)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2023
Weak
Solvency 0-5
equity -47.4% of total assets
Liquidity 50+40
short-term debt 147.4% · cash 71.9%
Profitability 72+68
return on assets 3.0%
Bankruptcy probability within 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 3.2% 12-2024: 4.2%▲ +1.0 percentage point vs 11-2024 01-2025: 4.8%▲ +0.6 percentage points vs 12-2024 02-2025: 4.8%● unchanged vs 01-2025 03-2025: 4.8%● unchanged vs 02-2025 04-2025: 4.8%● unchanged vs 03-2025 05-2025: 4.8%● unchanged vs 04-2025 06-2025: 4.5%▼ -0.3 percentage points vs 05-2025 07-2025: 4.5%● unchanged vs 06-2025 08-2025: 4.6%▲ +0.1 percentage points vs 07-2025 09-2025: 4.4%▼ -0.2 percentage points vs 08-2025 10-2025: 4.6%▲ +0.2 percentage points vs 09-2025 11-2025: 4.8%▲ +0.2 percentage points vs 10-2025 12-2025: 6.3%▲ +1.5 percentage points vs 11-2025 01-2026: 8.2%▲ +1.9 percentage points vs 12-2025 02-2026: 8.2%● unchanged vs 01-2026 03-2026: 8.5%▲ +0.3 percentage points vs 02-2026 04-2026: 7.8%▼ -0.7 percentage points vs 03-2026 05-2026: 13.7%▲ +5.9 percentage points vs 04-2026 06-2026: 13.7%● unchanged vs 05-2026 07-2026: 13.7%● unchanged vs 06-2026 08-2026: 16.8%▲ +3.1 percentage points vs 07-2026highest value 09-2026: 1.5%▼ -15.3 percentage points vs 08-2026lowest value 10-2026: 1.5%● unchanged vs 09-2026lowest value
No credit on open account
Liquidity is insufficient, with a current ratio of 0.67 (0.83 in 2023), below 1. Short-term debt is 147.4% and cash 71.9% of total assets. Equity is negative.
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 47, micro). It does better than 6% of them on solvency, 52% on liquidity and 56% on profitability.

The bankruptcy probability was computed on 31-10-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Seven signals.
lowers riskraises risk
raises risk · Negative equity -€27,614
NBB · annual accounts
raises risk · Last filed accounts filed 31 days late; 3 of the last 3 accounts late
NBB · filings
lowers risk · Size: total assets €58,196
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.67, cash €41,859
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 22726 sector peers (2025).
NBB · sector comparison
Position among 22726 sector peers
Solvency
better than 12%
← 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 · 9 filings
Deviation from the deadline
2025
31 days late
2023
147 days late
2022
92 days late
2021
55 days late
2020
88 days late
2019
119 days late
2018
90 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 89 days after the deadline. In the sector (NACE 47), the median for financial year 2023 was on the deadline day, and 48% of those companies filed late.

raises risk · Administrative warnings in the KBO publications
The FPS Economy published 2 notices about the company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publications
Publications
Address struckAddress strikeout annulled
Searched, nothing found (1)
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 27 October (4 of the last 5 accounts filed within 57 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€27,614 View
  • Caution: Less equity than 88% of companies in retail tradesector median €41,216 · 22,767 companies -€27,614 View

Comparable companies

These companies have the same main activity as Certi & Construct: retail sale of household furniture (NACE 47551). They are comparable in size and age: total assets between €44,100 and €84,800, founded between 2009 and 2016.

CompanyTotal assetsGross margin
Certi & Construct Sint-Jans-Molenbeek€58,196€6,175
MENAR TRADING Antwerpen€50,777€5,513
DELNEO Soumagne€45,956€6,413
KATHLEEN TEUWEN DECORATIE Mortsel€54,023€10,969
AS PROJECTS Waregem€84,806€8,100
KOUNOUZDECO Brussel€44,122€13,341
APPÉTENCE COMMUNICATION Nivelles€63,632€9,134
Full comparison

Documents

Annual accounts at the NBB

All 9 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about Certi & Construct

What is the company number of Certi & Construct?
The company number of Certi & Construct is 0543.435.768. The VAT number is the same number with BE in front: BE 0543.435.768.
Where is Certi & Construct based?
The registered office is at de Ribaucourtstraat 106, 1080 Sint-Jans-Molenbeek.Company details
What does Certi & Construct do?
According to the KBO register, the main activity is retail sale of household furniture (NACE 47551).
What is the legal form of Certi & Construct?
The legal form of Certi & Construct is Private limited company (pre-2019) (BVBA).
When was Certi & Construct founded?
Certi & Construct was founded on 19-12-2013.
Is Certi & Construct still active?
Yes, Certi & Construct is an active enterprise in the KBO register.
How many employees does Certi & Construct have?
Certi & Construct had an average of 0.2 full-time equivalents in financial year 2018, according to the filed annual accounts.Financials
What is the turnover of Certi & Construct?
The turnover in financial year 2025 is ≈ €65,000. This figure is estimated from the gross margin of €6,175 and 61 comparable companies (NACE 475). It probably lies between €35,000 and €160,000. It is a rough estimate. In financial year 2022 turnover was €62,702.
Is Certi & Construct profitable?
In financial year 2025, Certi & Construct made a profit of €1,725.
Where can I find the annual accounts of Certi & Construct?
Certi & Construct filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of Certi & Construct due?
Certi & Construct must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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