CK CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of CK CONSTRUCT is 1.5% (moderate). The 2025 annual accounts show equity of €1.1m and a net result of €45,592. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 95% of 839 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €75,000 at 30 days acceptable
Liquidity ample (current ratio 14.54 against 9.16 in 2024; short-term debt: 6.6% and cash: 1.4% of total assets), and 9.2% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% 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 2025Solvency, return and age of the figures
Solvency
90.8%
Return on assets
3.7%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
7 d early
2023
1 d early
2022
1 d early
2021
on the day
2020
38 d early
2019
23 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close26-09-2026 today31-01-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, full schema
In the rankings
#5 company by equity in Jette, Construction sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€45,592▼ 47.5%
2024 · €86,865
Working capital
€1.1m▲ 0.6%
2024 · €1.1m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€8,655▲ 74.2%€4,098€40,935▲ 899%€63,175▲ 54.3%€21,617▼ 65.8%
Net result€8,898€15,131▲ 70.0%€53,204▲ 252%€86,865▲ 63.3%€45,592▼ 47.5%
Equity€1.1m▲ 0.9%€1.1m▲ 1.4%€1.1m▲ 1.0%€1.1m▲ 1.1%€1.1m▲ 1.0%
Total assets€1.1m▲ 0.6%€1.1m▲ 3.3%€1.2m▲ 4.2%€1.2m▲ 3.4%€1.2m▼ 1.2%
Debt€51,744▼ 4.2%€72,632▲ 40.4%€109,603▲ 50.9%€138,174▲ 26.1%€112,391▼ 18.7%
Working capital€1.0m▲ 2.8%€1.0m▲ 2.3%€1.1m▲ 1.8%€1.1m▲ 1.5%€1.1m▲ 0.6%
Staff (FTE)1=1.2▲ 20.0%2▲ 66.7%1.8▼ 10.0%1▼ 44.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 66% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€54,796 ▲ 118%
Current assets
€1.2m ▼ 3.7%
Equity and liabilities €1.2m
Equity
€1.1m ▲ 1.0%
Debt
€112,391 ▼ 18.7%
Debt's share of the balance-sheet total falls from 11.2% to 9.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33,841▼
2024 · €72,053
Cash flow
€57,816▼
2024 · €95,742
Current ratio
14.54▲
2024 · 9.16
Debt to equity
0.10▼
2024 · 0.13
ROE
4.1%▼
2024 · 7.9%
ROA
3.7%▼
2024 · 7.1%
Interest coverage
25.24▼
2024 · 58.63
Debt ≤ 1 year
€79,885▼
2024 · €131,695
Debt > 1 year
€32,431▲
2024 · €6,450
Income taxes
€4,290▼
2024 · €5,054
Staff costs
€68,867▼
2024 · €128,503
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €3,306 | - |
| Remuneration, social security and pensions62 | - | €68,718 | €104,903 | €128,503 | €68,867 | ▼ 46.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,230 | €14,217 | €11,054 | €8,877 | €12,224 | ▲ 37.7% |
| Other operating charges640/8 | - | €2,068 | €2,300 | €3,329 | €1,920 | ▼ 42.3% |
| Gross operating margin9900 | €66,180 | €89,101 | €159,193 | €203,884 | €104,628 | ▼ 48.7% |
| Operating profit (loss)9901 | -€8,655 | €4,098 | €40,935 | €63,175 | €21,617 | ▼ 65.8% |
| Financial income75/76B | - | €16,161 | €16,984 | €29,973 | €29,607 | ▼ 1.2% |
| Recurring financial income75 | €18,715 | €16,161 | €16,984 | €29,973 | €29,607 | ▼ 1.2% |
| Financial charges65/66B | - | €1,002 | €490 | €1,229 | €1,341 | ▲ 9.1% |
| Recurring financial charges65 | €1,162 | €1,002 | €490 | €1,229 | €1,341 | ▲ 9.1% |
| Profit (loss) for the period before taxes9903 | €8,898 | €19,257 | €57,429 | €91,919 | €49,883 | ▼ 45.7% |
| Income taxes67/77 | - | €4,127 | €4,225 | €5,054 | €4,290 | ▼ 15.1% |
| Profit (loss) for the period9904 | €8,898 | €15,131 | €53,204 | €86,865 | €45,592 | ▼ 47.5% |
| Profit (loss) for the period to be appropriated9905 | €8,898 | €15,131 | €53,204 | €86,865 | €45,592 | ▼ 47.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.1m | €1.2m | €1.2m | €1.2m | ▼ 1.2% |
| Fixed assets21/28 | €39,276 | €45,059 | €34,005 | €25,128 | €54,796 | ▲ 118% |
| Tangible fixed assets22/27 | €39,276 | €45,059 | €34,005 | €25,128 | €54,796 | ▲ 118% |
| Plant, machinery and equipment23 | - | €26,911 | €19,857 | €14,980 | €11,232 | ▼ 25.0% |
| Furniture and vehicles24 | - | €18,148 | €14,148 | €10,148 | €43,564 | ▲ 329% |
| Current assets29/58 | €1.1m | €1.1m | €1.2m | €1.2m | €1.2m | ▼ 3.7% |
| Stocks and contracts in progress3 | €23,499 | €12,747 | €3,094 | €0 | - | - |
| Stocks30/36 | - | €12,747 | €3,094 | €0 | - | - |
| Amounts receivable within one year40/41 | €1.0m | €606,748 | €1.1m | €1.2m | €1.1m | ▼ 4.3% |
| Trade receivables40 | - | €254,285 | €0 | €10,596 | €1,000 | ▼ 90.6% |
| Other amounts receivable41 | - | €352,463 | €1.1m | €1.2m | €1.1m | ▼ 3.5% |
| Cash at bank and in hand54/58 | €753 | €475,131 | €11,798 | €11,173 | €16,633 | ▲ 48.9% |
| Deferred charges and accrued income490/1 | - | €3,734 | €3,034 | €2,132 | €3,366 | ▲ 57.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.1m | €1.2m | €1.2m | €1.2m | ▼ 1.2% |
| Equity10/15 | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | ▲ 1.0% |
| Contributions10/11 | €862,420 | €862,420 | €862,420 | €862,420 | €862,420 | = |
| Capital10 | - | €862,420 | €862,420 | €862,420 | €862,420 | = |
| Issued capital100 | - | €862,420 | €862,420 | €862,420 | €862,420 | = |
| Reserves13 | €23,000 | €23,760 | €26,425 | €30,775 | €33,055 | ▲ 7.4% |
| Non-distributable reserves130/1 | - | €23,760 | €26,425 | €30,775 | €33,055 | ▲ 7.4% |
| Legal reserve130 | - | €23,760 | €26,425 | €30,775 | €33,055 | ▲ 7.4% |
| Profit (loss) carried forward14 | €170,238 | €184,608 | €192,673 | €200,188 | €208,501 | ▲ 4.2% |
| Amounts payable17/49 | €51,744 | €72,632 | €109,603 | €138,174 | €112,391 | ▼ 18.7% |
| Amounts payable after more than one year17 | - | €14,442 | €10,467 | €6,450 | €32,431 | ▲ 403% |
| Financial debts170/4 | - | €14,442 | €10,467 | €6,450 | €32,431 | ▲ 403% |
| Amounts payable within one year42/48 | €51,644 | €58,151 | €97,878 | €131,695 | €79,885 | ▼ 39.3% |
| Current portion of amounts payable after more than one year42 | - | €3,932 | €3,975 | €4,017 | €12,026 | ▲ 199% |
| Trade debts44 | €39,774 | €26,449 | €27,523 | €17,582 | €9,628 | ▼ 45.2% |
| Suppliers440/4 | - | €26,449 | €27,523 | €17,582 | €9,628 | ▼ 45.2% |
| Taxes, remuneration and social security45 | - | €20,736 | €17,395 | €24,245 | €10,817 | ▼ 55.4% |
| Taxes450/3 | - | €5,456 | €5,708 | €5,680 | €4,936 | ▼ 13.1% |
| Remuneration and social security454/9 | - | €15,280 | €11,687 | €18,565 | €5,881 | ▼ 68.3% |
| Other amounts payable47/48 | - | €7,034 | €48,985 | €85,851 | €47,414 | ▼ 44.8% |
| Accrued charges and deferred income492/3 | - | €39 | €1,257 | €29 | €75 | ▲ 161% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,898 | €15,131 | €53,204 | €86,865 | €45,592 | ▼ 47.5% |
| + Depreciation and write-downs630 | €20,230 | €14,217 | €11,054 | €8,877 | €12,224 | ▲ 37.7% |
| Operating cash flow (approximation) | €29,128 | €29,347 | €64,258 | €95,742 | €57,816 | ▼ 39.6% |
| Investment in fixed assets (approximation) | - | -€20,000 | €0 | €0 | -€41,892 | - |
| Change in cash | - | €474,378 | -€463,333 | -€625 | €5,460 | ▲ 974% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Highest result since 2019net €86,865 ▲63.3%
Operating result €63,175, net result €86,865, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial
Back to profitnet €8,898
Net result €8,898 after one loss-making year.
2020
24-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
30-06
Financial
Weakest financial yearnet -€14,421
Net result drops to -€14,421, the lowest in the series; recovery starts the following year.
08-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
26-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
30-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 12 acts read
About the unread acts
We know of 12 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
12 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, Jette · 3 establishment units since 2008
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.
Burgemeester Etienne Demunterl. 51090 JetteGround area
3,512 m²
Building footprint
3,299 m²
Volume, LiDAR
41,247 m³
2 parcels, Brussels, Flanders · tallest building 19.1 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
CK CONSTRUCT SA
since 20082.169.210.901
Kloosterstraat 197, 1702 Dilbeek
since 20212.317.515.288
Birminghamstraat 62-64, 1080 Sint-Jans-Molenbeek
since 20242.362.994.531
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0939/00W094 | Brussels | 3,267 m² | 1 · 3,204 m² | 19.1 m · 4 fl. |
| 23026B0175/00P000 | Flanders | 245 m² | 1 · 95 m² | 6.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,037. 6,050 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded21-02-2008
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
Scores and ratios are computed by Checked and are not a credit decision.