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CLT Construct

Active
Private limited companyfounded 20233 yrs activeFrankrijklei 5, 2000 Antwerpen, BelgiumKBO/BCE: BE 0804.348.645
Summary

The computed 12-month bankruptcy probability of CLT Construct is 5.6% (elevated). The 2025 annual accounts show negative equity (-€79,065) and a net result of -€129,065. Its solvency ranks better than 5% of 7586 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency0
Growth-
Track record79
Bankruptcy probability, 12 months
5.6% Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.29; short-term debt: 348% and cash: 29.3% of total assets), and equity is negative.
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Signals

Five signals. The signal on the left, the evidence on the right.
+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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-248%
Return on assets
-404.8%
Age of the figures
18 mo
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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
2 d early
← 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 27 July 2023, CLT 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
-€79,065
Total assets
€31,881
Net result
-€129,065
Working capital
-€79,065

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

Key figures and ratios
2025 value
Solvency
-248.0%
Current ratio
0.29
Debt to equity
-1.40
ROA
-404.8%
Debt
€110,946
Debt ≤ 1 year
€110,946

Peer companies

Historical observation

Of the 7,657 companies that looked in July 2024 the way this one looks now, 8.2% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 2 to 5 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
8.2% went bankrupt
5.3% stopped otherwise
84% still going

A further 2.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 5.6% over twelve months; the group does not contradict it.

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 7,657 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€31,881
Current assets29/58€31,881
Amounts receivable within one year40/41€21,586
Trade receivables40€2,140
Other amounts receivable41€19,447
Cash at bank and in hand54/58€9,335
Deferred charges and accrued income490/1€960
Equity and liabilities
Total equity and liabilities10/49€31,881
Equity10/15-€79,065
Contributions10/11€50,000
Profit (loss) carried forward14-€129,065
Amounts payable17/49€110,946
Amounts payable within one year42/48€110,946
Trade debts44€60,946
Suppliers440/4€60,946
Other amounts payable47/48€50,000
Income statement Code2025
Other operating charges640/8€4,672
Gross operating margin9900-€124,279
Operating profit (loss)9901-€128,951
Financial charges65/66B€114
Recurring financial charges65€114
Profit (loss) for the period before taxes9903-€129,065
Profit (loss) for the period9904-€129,065
Profit (loss) for the period to be appropriated9905-€129,065
Appropriation of the result
Profit (loss) to be appropriated9906-€129,065

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Other operating charges640/8€4,672
Gross operating margin9900-€124,279
Operating profit (loss)9901-€128,951
Financial charges65/66B€114
Recurring financial charges65€114
Profit (loss) for the period before taxes9903-€129,065
Profit (loss) for the period9904-€129,065
Profit (loss) for the period to be appropriated9905-€129,065
Line2025
Assets
Total assets20/58€31,881
Current assets29/58€31,881
Amounts receivable within one year40/41€21,586
Trade receivables40€2,140
Other amounts receivable41€19,447
Cash at bank and in hand54/58€9,335
Deferred charges and accrued income490/1€960
Equity and liabilities
Total equity and liabilities10/49€31,881
Equity10/15-€79,065
Contributions10/11€50,000
Profit (loss) carried forward14-€129,065
Amounts payable17/49€110,946
Amounts payable within one year42/48€110,946
Trade debts44€60,946
Suppliers440/4€60,946
Other amounts payable47/48€50,000
Line2025
Profit (loss) for the period9904-€129,065
Operating cash flow (approximation)-€129,065

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

2025
29-10
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 5 acts read
About the unread acts

We know of 5 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
5 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, Antwerpen · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
2,975 m²
Building footprint
2,664 m²
Volume, LiDAR
106,871 m³
Parcel 11808H1294/00A000, Flanders · tallest building 93.2 m, ±7 floors. Linked by address, not a title deed.
225 companies at this address See who is registered here
1 establishment unit
CLT Construct
Frankrijklei 5, 2000 AntwerpenGeneral construction of residential buildings
since 20232.348.526.782
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11808H1294/00A000
ProtectedMonument · Townscape or village viewSite Vlaamse Opera, schermenmagazijn en hotel WagnerSource ↗
Flanders 2,975 m² 1 · 2,664 m² 93.2 m · 7 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 29,787 companies in sector 41001 we hold annual accounts for 16,052. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded27-07-2023
Fiscal year end31-03
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43320Joinery installation
46832Wholesale of timber
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0804348645
Registered 31-07-2025

Register as of 28 September 2026 · Peppol Directory

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