CLOIX-COENEN CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of CLOIX-COENEN CONSTRUCT is 2.1% (moderate). The 2025 annual accounts show equity of €98k and a net result of €88k. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 27% of 7331 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+19
Solvency46▼-8
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.81 in 2024; short-term debt: 29.8% and cash: 30.2% of total assets), and 79.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
Sector 41
higher
← 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
20.7%
Return on assets
18.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
30 d late
2023
17 d late
2022
111 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€98k▲ 16.8%
2024 · €84k
2022: €56k
2023: €75k
2024: €84k
2022 → 2025
Total assets
€472k▲ 64.5%
2024 · €287k
2022: €197k
2023: €202k
2024: €287k
2022 → 2025
Net result
€88k▲ 884%
2024 · €9k
2022: €46k
2023: €19k
2024: €9k
2022 → 2025
Working capital
€32k▼ 31.3%
2024 · €46k
2022: €31k
2023: €56k
2024: €46k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€56k-€75k▲ 32.9%€84k▲ 11.9%€98k▲ 16.8%
Operating result€64k-€29k▼ 55.4%€17k▼ 42.3%€122k▲ 638%
Net result€46k-€19k▼ 59.9%€9k▼ 51.9%€88k▲ 884%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 638% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €472k
Fixed assets
€299k▲ 62.6%
Current assets
€172k▲ 68.0%
Equity and liabilities €472k
Equity
€98k▲ 16.8%
Debt
€374k▲ 84.2%
The debt ratio rises from 70.8% to 79.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€156k▲
2024 · €59k
Cash flow
€121k▲
2024 · €52k
Solvency
20.7%▼
2024 · 29.2%
Current ratio
1.22▼
2024 · 1.81
Quick ratio
1.22▼
2024 · 1.81
Debt / equity
3.83▲
2024 · 2.43
ROE
89.8%▲
2024 · 10.6%
ROA
18.6%▲
2024 · 3.1%
Interest coverage
17.68▼
2024 · 17.94
Debt
€374k▲
2024 · €203k
Debt ≤ 1 year
€141k▲
2024 · €57k
Debt > 1 year
€233k▲
2024 · €146k
Income taxes
€26k▲
2024 · €4k
Staff costs
€83k▼
2024 · €87k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€287k€472k▲
Fixed assets21/28€184k€299k▲
Tangible fixed assets22/27€184k€299k▲
Land and buildings22€164k€250k▲
Plant, machinery and equipment23€2k€5k▲
Furniture and vehicles24€18k€45k▲
Current assets29/58€103k€172k▲
Amounts receivable within one year40/41€33k€29k▼
Trade receivables40€27k€17k▼
Other amounts receivable41€5k€12k▲
Cash at bank and in hand54/58€66k€142k▲
Deferred charges and accrued income490/1€4k€889▼
Equity and liabilities
Total equity and liabilities10/49€287k€472k▲
Equity10/15€84k€98k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€74k€88k▲
Amounts payable17/49€203k€374k▲
Amounts payable after more than one year17€146k€233k▲
Financial debts170/4€146k€233k▲
Amounts payable within one year42/48€57k€141k▲
Current portion of amounts payable after more than one year42€10k€43k▲
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€25k€39k▲
Taxes450/3€22k€29k▲
Remuneration and social security454/9€2k€10k▲
Other amounts payable47/48€15k€57k▲
Income statement
Code20242025
Remuneration, social security and pensions62€87k€83k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€34k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€149k€242k▲
Operating profit (loss)9901€17k€122k▲
Financial income75/76B€10€1▼
Recurring financial income75€10€1▼
Financial charges65/66B€3k€9k▲
Recurring financial charges65€3k€9k▲
Profit (loss) for the period before taxes9903€13k€114k▲
Income taxes67/77€4k€26k▲
Profit (loss) for the period9904€9k€88k▲
Profit (loss) for the period to be appropriated9905€9k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€161k▲
Profit (loss) brought forward from the previous period14P€65k€74k▲
Profit to be distributed694/7-€74k
Return on contributions (dividend)694-€74k
The notes to these accounts (6 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Highest result since 2022net €88k ▲884%
Operating result €122k, net result €88k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Weakest financial yearnet €9k ▼51.9%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 17 days late
2023
19-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 111 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, Seraing · 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.
Rue de Tilff 714100 SeraingGround area
253 m²
Building footprint
52 m²
Volume, LiDAR
392 m³
Parcel 62019B0072/00Z003, Wallonia · tallest building 7.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CLOIX-COENEN CONSTRUCT
since 20222.326.188.276
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62019B0072/00Z003 | Wallonia | 253 m² | 1 · 52 m² | 7.9 m · 3 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.
Similar companies · same sector, comparable size
IN STEEN
BE 1003.134.705
Herzele · Eq €98k
Vasalba
BE 0508.796.078
Schaarbeek · Eq €98k
SCOPIC
BE 0666.550.841
Eeklo · Eq €98k
ONYX 7
BE 0521.987.979
Ternat · Eq €98k
SEAC
BE 0454.384.424
Wavre · Eq €98k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 13,146 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43110Demolition
43120Site preparation
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.