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CF CONSTRUCT

Active
Private limited companyfounded 20242 yrs activeAssesteenweg 116A, 1740 Ternat, BelgiumKBO/BCE: BE 1006.352.135
Summary

The computed 12-month bankruptcy probability of CF CONSTRUCT is 2.4% (moderate). The 2025 annual accounts show equity of €20,894 and a net result of €19,894. Its solvency ranks better than 73% of 28254 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability100
Solvency93
Growth-
Track record67
Bankruptcy probability, 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 3.12; short-term debt: 32% and cash: 4.9% of total assets), and 32% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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 2025
Solvency, return and age of the figures
Solvency
68%
Return on assets
64.7%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-02-2026, 5 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 · 1 filing
Deviation from the deadline
2025
5 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 23 February 2024, CF CONSTRUCT was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€20,894
Total assets
€30,741
Net result
€19,894
Working capital
€20,894

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Equity and liabilities €30,741
Equity €20,894
Debt €9,847
Debt finances 32.0% of the balance-sheet total.
Key figures and ratios
2025 value
Current ratio
3.12
Debt to equity
0.47
ROE
95.2%
ROA
64.7%
Debt ≤ 1 year
€9,847

Peer companies

Historical observation

Of the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.7%
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 75% 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 39,276 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
Filed annual accounts As filed with the NBB · 2025 · 25 lines
Balance sheet Code2025
Assets
Total assets20/58€30,741
Current assets29/58€30,741
Amounts receivable within one year40/41€29,242
Trade receivables40€28,936
Other amounts receivable41€306
Cash at bank and in hand54/58€1,499
Equity and liabilities
Total equity and liabilities10/49€30,741
Equity10/15€20,894
Contributions10/11€1,000
Capital10€1,000
Issued capital100€1,000
Profit (loss) carried forward14€19,894
Amounts payable17/49€9,847
Amounts payable within one year42/48€9,847
Trade debts44€3,858
Suppliers440/4€3,858
Other amounts payable47/48€5,989
Income statement Code2025
Gross operating margin9900€19,996
Operating profit (loss)9901€19,996
Financial charges65/66B€102
Recurring financial charges65€102
Profit (loss) for the period before taxes9903€19,894
Profit (loss) for the period9904€19,894
Profit (loss) for the period to be appropriated9905€19,894
Appropriation of the result
Profit (loss) to be appropriated9906€19,894
Line2025
Gross operating margin9900€19,996
Operating profit (loss)9901€19,996
Financial charges65/66B€102
Recurring financial charges65€102
Profit (loss) for the period before taxes9903€19,894
Profit (loss) for the period9904€19,894
Profit (loss) for the period to be appropriated9905€19,894
Line2025
Assets
Total assets20/58€30,741
Current assets29/58€30,741
Amounts receivable within one year40/41€29,242
Trade receivables40€28,936
Other amounts receivable41€306
Cash at bank and in hand54/58€1,499
Equity and liabilities
Total equity and liabilities10/49€30,741
Equity10/15€20,894
Contributions10/11€1,000
Capital10€1,000
Issued capital100€1,000
Profit (loss) carried forward14€19,894
Amounts payable17/49€9,847
Amounts payable within one year42/48€9,847
Trade debts44€3,858
Suppliers440/4€3,858
Other amounts payable47/48€5,989
Line2025
Profit (loss) for the period9904€19,894
Operating cash flow (approximation)€19,894

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
05-02
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
NBB filing

Directors · office · real estate

Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Ternat · 1 establishment unit since 2024
seat establishment approximate The establishment unit on the map
Ground area
82 m²
Building footprint
59 m²
Volume, LiDAR
495 m³
Parcel 23086A0354/00K002, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CF CONSTRUCT
Demolition
since 20242.358.037.336
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23086A0354/00K002 Flanders 82 m² 1 · 58 m² 10.3 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.

Similar companies · same sector, comparable size

Of 1,366 companies in sector 43110 we hold annual accounts for 635. 394 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
Founded23-02-2024
Fiscal year end30-06
Activities, NACEBEL 2025
43110Demolition
43211General electrical installation work
43221Plumbing work
43230Insulation installation
43350Other building finishing work
43990Other specialised construction activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:1006352135
Registered 29-12-2025

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.