Equity
Equity rose in 2025 from €225,578 to €307,751.
In July 2024, 17,811 companies had the same profile as CK-Construct has now. Each dot stands for 45 companies, two years later.
The method was tested on the 497,448 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 17,811 companies, not a prediction for CK-Construct. 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.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| CK-Construct Izegem | €469,340 | €188,326 | 65.6% | 0 |
| ALL-IN BRUXELLES Brussels | €439,512 | €213,072 | 48.8% | 0 |
| Projectplan Kortrijk | €741,290 | €143,672 | 53.6% | 0 |
| BLUE-CONCEPT Overijse | €473,530 | €135,276 | 81.8% | 0 |
| INTER MUROS BELGIUM Anderlecht | €610,384 | €267,655 | 81.6% | 0 |
| AZ RENOVATIE Antwerp | €628,199 | €180,171 | 36.8% | 0 |
| DAPH INVEST Izegem | €393,101 | €168,255 | 24.7% | 0 |
These companies have the same main activity as CK-Construct: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €393,000 and €741,000, founded between 2012 and 2016.
CK-Construct files the abbreviated format. That format states no turnover. The gross margin rose from €171,096 in 2012 to €188,326 in 2025.
The balance sheet grew most from 2021 to 2023 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €660,000. Estimated: probably between €450,000 and €1.0m.
Higher than 77% of 2,818 companies in 2025.
Higher than 85% of 2,746 companies in 2025.
Higher than 83% of 2,782 companies in 2025.
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half · Staff: bottom quarter
Staff costs divided by the average number of full-time equivalents.
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 201923 months | 2017 | 201621 months | 2014 | 2013 | 201222 months |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||||||
20/58 |
469,340 | 506,024 | 488,861 | 471,284 | 399,585 | 294,749 | 279,475 | 401,432 | 500,772 | 275,274 | 162,867 | 89,011 | |
21/28 |
95,145 | 171,027 | 216,892 | 133,230 | 140,318 | 100,349 | 108,541 | 66,074 | 58,337 | 76,735 | 19,087 | 19,643 | |
21 |
- | - | - | - | - | - | - | - | - | 129 | 240 | 351 | |
22/27 |
91,497 | 133,655 | 179,732 | 95,670 | 105,782 | 65,814 | 74,006 | 66,051 | 58,314 | 76,595 | 18,837 | 19,092 | |
23 |
19,207 | 28,542 | 42,078 | 41,709 | 51,072 | 48,237 | 51,375 | 25,624 | 30,336 | 43,363 | 15,283 | 16,943 | |
24 |
12,656 | 22,216 | 9,501 | 16,573 | 11,561 | 11,099 | 15,089 | 30,844 | 27,978 | 33,232 | 3,553 | 2,149 | |
25 |
56,356 | 78,203 | 122,044 | 29,865 | - | - | - | - | - | - | - | - | |
26 |
3,278 | 4,693 | 6,108 | 7,523 | 5,413 | 6,477 | 7,542 | 9,583 | - | - | - | - | |
28 |
3,648 | 37,372 | 37,160 | 37,560 | 34,535 | 34,535 | 34,535 | 23 | 23 | 10 | 10 | 200 | |
29/58 |
374,196 | 334,997 | 271,969 | 338,054 | 259,267 | 194,400 | 170,933 | 335,359 | 442,435 | 198,540 | 143,781 | 69,369 | |
3 |
41,500 | 93,370 | 70,262 | 71,631 | 20,929 | 84,794 | 43,947 | 108,556 | 87,434 | 66,317 | 38,625 | 47,828 | |
30/36 |
21,500 | 20,870 | 15,000 | 15,000 | 15,000 | 40,499 | 18,897 | 30,807 | 26,537 | 15,978 | 6,225 | 5,675 | |
37 |
20,000 | 72,500 | 55,262 | 56,631 | 5,929 | 44,295 | 25,050 | 77,749 | 60,897 | 50,340 | 32,400 | 42,153 | |
40/41 |
145,672 | 154,522 | 152,076 | 171,998 | 164,559 | 97,229 | 106,953 | 154,164 | 211,220 | 112,946 | 64,924 | 19,336 | |
40 |
134,811 | 122,532 | 125,154 | 156,005 | 151,272 | 87,484 | 90,345 | 135,436 | 174,438 | 97,102 | 57,955 | 17,862 | |
41 |
10,861 | 31,990 | 26,922 | 15,993 | 13,287 | 9,746 | 16,608 | 18,727 | 36,782 | 15,844 | 6,969 | 1,474 | |
54/58 |
179,221 | 75,415 | 35,546 | 84,213 | 64,857 | 8,152 | 16,743 | 67,054 | 143,781 | 18,067 | 38,676 | 877 | |
490/1 |
7,802 | 11,690 | 14,085 | 10,212 | 8,923 | 4,225 | 3,291 | 5,585 | - | 1,210 | 1,555 | 1,328 | |
| Balance sheet: equity and liabilities | |||||||||||||
10/49 |
469,340 | 506,024 | 488,861 | 471,284 | 399,585 | 294,749 | 279,475 | 401,432 | 500,772 | 275,274 | 162,867 | 89,011 | |
10/15 |
307,751 | 225,578 | 186,532 | 191,830 | 109,538 | 14,332 | -82,604 | 40,102 | 44,041 | 30,117 | 28,357 | 16,055 | |
10/11 |
100 | 100 | 100 | 100 | 100 | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 15,000 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | - | - | - | - | - | 3,600 | |
11 |
- | - | - | - | - | 18,600 | - | - | - | - | - | - | |
1100/10 |
- | - | - | - | - | 18,600 | - | - | - | - | - | - | |
13 |
307,651 | 225,478 | 191,730 | 191,730 | 109,438 | 1,860 | 1,860 | 19,860 | 21,860 | 8,860 | 8,860 | 1,000 | |
130/1 |
- | - | - | - | 0 | 1,860 | - | - | - | - | - | - | |
130 |
- | - | - | - | - | - | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,000 | |
1311 |
- | - | - | - | 0 | - | - | - | - | - | - | - | |
1319 |
- | - | - | - | - | 1,860 | - | - | - | - | - | - | |
133 |
307,651 | 225,478 | 191,730 | 191,730 | 109,438 | - | - | 18,000 | 20,000 | 7,000 | 7,000 | - | |
14 |
- | 0 | -5,298 | 0 | 0 | -6,128 | -103,064 | 1,642 | 3,581 | 2,657 | 897 | 55 | |
16 |
- | 0 | 29,701 | 29,701 | 95,701 | 100,201 | 29,701 | - | - | - | - | - | |
160/5 |
- | 0 | 29,701 | 29,701 | 95,701 | 100,201 | 29,701 | - | - | - | - | - | |
163 |
- | 0 | 29,701 | 29,701 | 95,701 | 100,201 | 29,701 | - | - | - | - | - | |
17/49 |
161,590 | 280,447 | 272,629 | 249,753 | 194,346 | 180,217 | 332,378 | 361,331 | 456,731 | 245,158 | 134,510 | 72,956 | |
17 |
60,934 | 126,393 | 149,672 | 75,164 | 83,816 | 68,987 | 75,700 | 103,229 | 114,391 | 96,077 | 37,250 | 22,594 | |
170/4 |
60,934 | 126,393 | 149,672 | 75,164 | 83,816 | 68,987 | 75,700 | 29,999 | 39,913 | 65,531 | 3,601 | 14,101 | |
178/9 |
- | - | - | - | - | - | - | 73,230 | 74,478 | 30,546 | 33,648 | 8,493 | |
42/48 |
87,487 | 136,814 | 115,493 | 166,921 | 102,112 | 103,749 | 251,491 | 258,102 | 342,340 | 149,080 | 97,261 | 50,169 | |
42 |
28,551 | 27,153 | 35,025 | 12,134 | 11,982 | - | 26,652 | 30,782 | 14,775 | 13,071 | 10,500 | 10,060 | |
43 |
- | - | - | - | - | - | - | - | - | - | - | 3,089 | |
430/8 |
- | - | - | - | - | - | - | - | - | - | - | 3,089 | |
44 |
41,736 | 103,417 | 73,103 | 137,968 | 62,987 | 96,105 | 221,873 | 213,182 | 307,463 | 117,389 | 68,942 | 21,960 | |
440/4 |
41,736 | 103,417 | 73,103 | 137,968 | 62,987 | 96,105 | 221,873 | 213,182 | 307,463 | 117,389 | 68,942 | 21,960 | |
46 |
- | - | - | - | 0 | 2,100 | - | - | - | - | - | - | |
45 |
17,200 | 6,244 | 4,484 | 3,461 | 4,885 | 4,294 | 2,966 | 14,137 | 20,102 | 18,621 | 17,818 | 15,060 | |
450/3 |
17,200 | 6,244 | 4,484 | 2,920 | 4,885 | 2,713 | 1,059 | 3,585 | 12,003 | 7,047 | 7,031 | 12,912 | |
454/9 |
- | - | 0 | 541 | 0 | 1,580 | 1,907 | 10,553 | 8,099 | 11,573 | 10,787 | 2,148 | |
47/48 |
- | 0 | 2,882 | 13,358 | 22,258 | 1,250 | - | - | - | - | - | - | |
492/3 |
13,168 | 17,240 | 7,464 | 7,668 | 8,418 | 7,480 | 5,187 | - | - | - | - | 193 | |
| Income statement | |||||||||||||
70 |
- | - | - | - | - | - | - | - | - | - | - | 749,425 | |
76A |
118 | 1,021 | 4,812 | - | - | - | 7,088 | - | - | - | 165 | - | |
9900 |
188,326 | 100,168 | 48,717 | 146,342 | 190,754 | 207,975 | 108,393 | 118,725 | 187,566 | 174,994 | 161,153 | 171,096 | |
60/61 |
- | - | - | - | - | - | - | - | - | - | - | 634,782 | |
62 |
- | - | 0 | 31,760 | - | - | 23,884 | 46,073 | 85,051 | 146,615 | 130,197 | 147,838 | |
630 |
48,105 | 47,717 | 34,029 | 25,474 | 18,907 | 14,788 | 31,450 | 19,101 | 34,993 | 15,449 | 8,373 | 12,855 | |
631/4 |
10,000 | 13,481 | - | - | - | - | - | - | - | - | - | - | |
635/8 |
0 | -29,701 | 0 | -66,000 | -4,500 | 70,500 | 29,701 | - | - | - | - | - | |
640/8 |
1,374 | 2,068 | 5,223 | 2,600 | 1,860 | 2,344 | 8,081 | 3,205 | 5,050 | 1,881 | 1,174 | 5,515 | |
66A |
- | - | 0 | 18,000 | 6,399 | - | 4,647 | 26,475 | 3,800 | - | - | - | |
9901 |
128,847 | 66,603 | 9,465 | 134,508 | 168,088 | 120,343 | 10,631 | 23,871 | 62,474 | 11,048 | 21,408 | 4,888 | |
75/76B |
6,648 | 4,731 | 92 | 5,869 | 3,427 | 2,016 | 1,072 | 2,466 | 7,164 | 1,098 | 483 | 12,541 | |
75 |
6,648 | 4,731 | 92 | 5,869 | 3,427 | 2,016 | 1,072 | 2,466 | 7,164 | 1,098 | 483 | 12,541 | |
65/66B |
13,382 | 13,601 | 14,419 | 6,534 | 3,921 | 25,289 | 38,916 | 29,802 | 47,864 | 8,769 | 9,868 | 14,415 | |
65 |
13,382 | 13,601 | 14,419 | 6,534 | 3,921 | 25,289 | 38,916 | 29,802 | 44,064 | 8,769 | 9,868 | 14,415 | |
66B |
- | - | - | - | - | - | - | - | 3,800 | - | - | - | |
9903 |
122,113 | 57,734 | -4,861 | 133,843 | 167,594 | 97,069 | -27,213 | -3,466 | 21,773 | 3,377 | 12,189 | 3,014 | |
67/77 |
39,940 | 18,688 | 437 | 40,051 | 42,887 | 134 | 133 | 474 | 7,848 | 1,618 | 3,487 | 1,959 | |
9904 |
82,173 | 39,045 | -5,298 | 93,792 | 124,707 | 96,936 | -27,347 | -3,940 | 13,925 | 1,759 | 8,702 | 1,055 | |
9905 |
82,173 | 39,045 | -5,298 | 93,792 | 124,707 | 96,936 | -27,347 | -3,940 | 13,925 | 1,759 | 8,702 | 1,055 | |
| Appropriation of the result | |||||||||||||
9906 |
82,173 | 33,748 | -5,298 | 93,792 | 118,578 | -6,128 | -103,064 | -358 | 16,581 | 2,657 | 8,757 | 1,055 | |
14P |
0 | -5,298 | - | 0 | - | - | - | - | - | - | - | - | |
791/2 |
- | - | - | - | - | - | - | 2,000 | - | - | - | - | |
691/2 |
82,173 | 33,748 | 0 | 82,292 | 107,578 | - | - | - | 13,000 | - | 7,860 | 1,000 | |
6920 |
- | - | - | - | - | - | - | - | - | - | 860 | 1,000 | |
6921 |
82,173 | 33,748 | 0 | 82,292 | 107,578 | - | - | - | 13,000 | - | 7,000 | - | |
694/7 |
- | - | 0 | 11,500 | 11,000 | - | - | - | - | - | - | - | |
695 |
- | - | 0 | 11,500 | 11,000 | - | - | - | - | - | - | - | |
| Social balance sheet | |||||||||||||
9087 |
0 | 0 | 0 | - | - | - | 0.1 | 0.8 | 0.7 | 3.7 | 3.7 | 2.7 | |
Hours worked1013 |
- | - | - | - | - | - | 474 | 1,325 | 1,184 | 5,859 | 5,482 | 6,464 | |
| Document | |||||||||||||
The notes to these accounts have 18 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 31-03-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-08-2025 | abbreviated format | 31-03-2026 | 2026-00067040 | |
| 31-08-2024 | abbreviated format | 24-03-2025 | 2025-00053147 | |
| 31-08-2023 | abbreviated format | 29-03-2024 | 2024-00052981 | |
| 31-08-2022 | micro format | 02-03-2023 | 2023-00034465 | |
| 31-08-2021 | micro format | 31-03-2022 | 2022-09600357 | |
| 31-08-2020 | micro format | 04-12-2020 | 2020-74500132 | |
| 31-08-2019 | micro format | 17-03-2020 | 2020-06900390 | |
| 30-09-2017 | abbreviated format | 08-05-2018 | 2018-12600408 | |
| 30-09-2016 | abbreviated format | 05-04-2017 | 2017-09000507 | |
| 31-12-2014 | abbreviated format | 20-07-2015 | 2015-31700434 | |
| 31-12-2013 | abbreviated format | 16-07-2014 | 2014-30500246 | |
| 31-12-2012 | abbreviated format | 23-08-2013 | 2013-44800043 |
| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €519 | €519 |
| 2024 | 1 | €1,023 | €1,023 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 201923 months | 2017 | 201621 months | 2014 | 2013 | 201222 months |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 176,952 | 114,320 | 43,494 | 159,982 | 186,995 | 135,131 | 42,081 | 42,972 | 97,466 | 26,498 | 29,782 | 17,743 | ||
| 130,278 | 86,762 | 28,731 | 119,266 | 143,614 | 111,723 | 4,104 | 15,162 | 48,917 | 17,209 | 17,076 | 13,910 | ||
| 5,947 | 42,000 | 122,095 | 18,646 | 58,876 | 6,596 | 82,909 | 53,663 | 20,595 | 73,097 | 8,049 | 32,497 | ||
| 103,806 | 39,869 | -48,667 | 19,356 | 56,705 | -8,591 | -50,311 | -76,727 | 125,714 | -20,610 | 37,800 | - | ||
| 286,709 | 198,183 | 156,476 | 171,133 | 157,156 | 90,651 | -80,558 | 77,257 | 100,096 | 49,459 | 46,520 | 19,200 | ||
| - | - | - | - | - | - | - | - | - | - | - | 0.7% | ||
| 65.6% | 44.6% | 38.2% | 40.7% | 27.4% | 4.9% | -29.6% | 10.0% | 8.8% | 10.9% | 17.4% | 18.0% | ||
| 4.28 | 2.45 | 2.35 | 2.03 | 2.54 | 1.87 | 0.68 | 1.30 | 1.29 | 1.33 | 1.48 | 1.38 | ||
| 3.80 | 1.77 | 1.75 | 1.60 | 2.33 | 1.06 | 0.50 | 0.88 | 1.04 | 0.89 | 1.08 | 0.43 | ||
| 0.53 | 1.24 | 1.46 | 1.30 | 1.77 | 12.57 | - | 9.01 | 10.37 | 8.14 | 4.74 | 4.54 | ||
| 26.7% | 17.3% | -2.8% | 48.9% | 113.8% | 676.4% | - | -9.8% | 31.6% | 5.8% | 30.7% | 6.6% | ||
| 17.5% | 7.7% | -1.1% | 19.9% | 31.2% | 32.9% | -9.8% | -1.0% | 2.8% | 0.6% | 5.3% | 1.2% | ||
| 13.22 | 8.41 | 3.02 | 24.48 | - | - | - | - | - | - | - | - | ||
| - | - | - | - | - | - | - | - | - | - | - | 9 days | ||
| - | - | - | - | - | - | - | - | - | - | - | 13 days |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 31-08-2025 | 31-08-2024 | 31-08-2023 | 31-08-2022 |
|---|---|---|---|---|
| Pledge on other assets, amount secured | €130,574 | €130,574 | €130,574 | €33,316 |
| Carrying value of the other pledged assets | €56,356 | €78,203 | €122,044 | €29,865 |
Source: notes to the 2022 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
| Item | 31-08-2025 | 31-08-2024 | 31-08-2023 | 31-08-2022 |
|---|---|---|---|---|
| Tangible fixed assets | €5,947 | €41,000 | €122,095 | €15,621 |
| Financial fixed assets | - | €1,000 | - | €3,025 |
| €48,105 | €47,717 | €34,029 | €25,474 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 93% higher than in 2024 and the highest since 2022. It is the second rise in a row, after the fall in 2023.
Debt's share of the balance-sheet total falls from 55.4% to 34.4%. Equity is higher and debt is lower.
CK-Construct has no parent and no holdings in its annual accounts. is the only director.
| Verbrugghe, Mieke (sole trader)
establishment since 22-09-2025 |
founded in 2025 1028.012.136 |
The board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
Deadline for the 2026 accounts: 31-03-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Roeselaarsestraat 622 registered office 8870 Izegem | 16-03-2011 | 2.197.461.259 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 36494D0012/00C004 | 691 m² | 1 · 131 m² | 8.3 m · 2 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0834.601.757
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