CL-Construct
ActiveSummary
CL-Construct has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €27k. Equity is growing by ~53.7% per year across the filed fiscal years. Its solvency ranks better than 58% of 543 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-10
Solvency75▲+4
Growth78=
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 1.87 in 2024; short-term debt: 26.5% and cash: 12.1% of total assets), but 50% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
50%
Return on assets
12.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 4 filingsDeviation from the deadline
2025
30 d late
2024
27 d late
2023
19 d late
2022
76 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€111k▲ 32.0%
2024 · €84k
2022: €8k
2023: €48k
2024: €84k
2022 → 2025
Total assets
€223k▲ 21.3%
2024 · €184k
2022: €107k
2023: €177k
2024: €184k
2022 → 2025
Net result
€27k▼ 26.2%
2024 · €37k
2022: €7k
2023: €39k
2024: €37k
2022 → 2025
Working capital
€60k▲ 28.3%
2024 · €47k
2022: €1k
2023: €15k
2024: €47k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€8k-€48k▲ 474%€84k▲ 76.5%€111k▲ 32.0%
Operating result€9k-€57k▲ 527%€55k▼ 4.5%€38k▼ 29.7%
Net result€7k-€39k▲ 479%€37k▼ 7.4%€27k▼ 26.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223k
Fixed assets
€103k ▲ 25.8%
Current assets
€119k ▲ 17.7%
Equity and liabilities €223k
Equity
€111k ▲ 32.0%
Debt
€111k ▲ 12.2%
Debt's share of the balance-sheet total falls from 54.1% to 50.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€57k▼
2024 · €74k
Cash flow
€46k▼
2024 · €55k
Current ratio
2.02▲
2024 · 1.87
Quick ratio
1.69▼
2024 · 1.75
Debt to equity
1.00▼
2024 · 1.18
ROE
24.2%▼
2024 · 43.3%
ROA
12.1%▼
2024 · 19.9%
Interest coverage
36.95▲
2024 · 14.79
Debt ≤ 1 year
€59k▲
2024 · €54k
Debt > 1 year
€52k▲
2024 · €45k
Income taxes
€10k▼
2024 · €13k
Staff costs
€12k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€184k€223k▲
Fixed assets21/28€82k€103k▲
Tangible fixed assets22/27€82k€103k▲
Land and buildings22€21k€19k▼
Plant, machinery and equipment23€14k€16k▲
Furniture and vehicles24€15k€45k▲
Leasing and similar rights25€32k€24k▼
Financial fixed assets28€0-
Current assets29/58€101k€119k▲
Stocks and contracts in progress3€7k€20k▲
Stocks30/36€7k€20k▲
Amounts receivable within one year40/41€60k€70k▲
Trade receivables40€58k€51k▼
Other amounts receivable41€3k€20k▲
Cash at bank and in hand54/58€34k€27k▼
Deferred charges and accrued income490/1€912€2k▲
Equity and liabilities
Total equity and liabilities10/49€184k€223k▲
Equity10/15€84k€111k▲
Contributions10/11€2k€2k=
Reserves13€83k€110k▲
Distributable reserves133€83k€110k▲
Amounts payable17/49€99k€111k▲
Amounts payable after more than one year17€45k€52k▲
Financial debts170/4€15k€28k▲
Other amounts payable178/9€30k€24k▼
Amounts payable within one year42/48€54k€59k▲
Current portion of amounts payable after more than one year42€10k€15k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€31k€30k▼
Suppliers440/4€31k€30k▼
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€5k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€2k€2k▼
Income statement
Code20242025
Non-recurring operating income76A-€5k
Remuneration, social security and pensions62€2k€12k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▼
Other operating charges640/8€751€2k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€76k€71k▼
Operating profit (loss)9901€55k€38k▼
Financial income75/76B€205€292▲
Recurring financial income75€205€292▲
Financial charges65/66B€5k€2k▼
Recurring financial charges65€5k€2k▼
Profit (loss) for the period before taxes9903€50k€37k▼
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€37k€27k▼
Profit (loss) for the period to be appropriated9905€37k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€27k▼
Transfer to equity691/2€37k€27k▼
To other reserves6921€37k€27k▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Equity above €100kEq €111k ▲32%
4 profitable years in a row build equity to €111k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Highest result since 2022net €39k ▲479%
Operating result €57k, net result €39k, both a record.
15-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 76 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Roeselare · 1 establishment unit since 2022
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.
Meensesteenweg 7018800 RoeselareGround area
1,603 m²
Building footprint
163 m²
Volume, LiDAR
1,073 m³
Parcel 36017C2012/00A000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CL-Construct
since 20222.332.451.211
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36017C2012/00A000 | Flanders | 1,603 m² | 1 · 163 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 66 EUR awarded · 66 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 66 EUR | 66 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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BE 0545.763.966
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Of 1,599 companies in sector 16230 we hold annual accounts for 783. 631 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-06-2022
Fiscal year end31-12
Activities, NACEBEL 2025
16230Manufacture of other builders' carpentry and joinery
43320Joinery installation
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@cl-construct.be