CLT CONSTRUCTION
ActiveCLT CONSTRUCTION has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €-6k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 66% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▼-88
Solvency87▼-11
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.63 against 3.69 in 2024; short-term debt: 38.1% and cash: 2% of total assets), and 38.1% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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 2025Solvency, return and age of the figures
Solvency
61.9%
Return on assets
-12.4%
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 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
40 d late
2023
61 d late
2022
11 d late
2021
45 d early
2020
83 d late
2019
24 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€188k
EBIT margin
-6.0%
Net result
€-6k
2024 · €9k
2018: €659
2019: €561
2020: €-15k
2021: €-12k
2022: €2k
2023: €11k
2024: €9k
2018 → 2025
Working capital
€32k▼ 16.1%
2024 · €38k
2018: €37k
2019: €38k
2020: €25k
2021: €14k
2022: €17k
2023: €29k
2024: €38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€188k-
Equity€16k-€18k▲ 15.8%€29k▲ 60.3%€38k▲ 31.4%€32k▼ 16.6%
Operating result€-11k-€7k€13k▲ 89.8%€13k▼ 2.8%€-5k
Net result€-12k-€2k€11k▲ 343%€9k▼ 16.6%€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €13k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €52k
Equity
€32k▼ 16.6%
Debt
€20k▲ 38.6%
The debt ratio rises from 27.0% to 38.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-4k▼
2024 · €15k
Cash flow
€-6k▼
2024 · €11k
Solvency
61.9%▼
2024 · 73.0%
Current ratio
2.63▼
2024 · 3.69
Quick ratio
2.57▼
2024 · 3.53
Debt / equity
0.61▲
2024 · 0.37
ROE
-20.0%▼
2024 · 23.9%
ROA
-12.4%▼
2024 · 17.4%
Interest coverage
-2.43▼
2024 · 10.12
Debt
€20k▲
2024 · €14k
Debt ≤ 1 year
€20k▲
2024 · €14k
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€53k€52k▼
Fixed assets21/28€229€0▼
Tangible fixed assets22/27€229€0▼
Furniture and vehicles24€229€0▼
Current assets29/58€52k€52k▼
Stocks and contracts in progress3€2k€1k▼
Stocks30/36€2k€1k▼
Amounts receivable within one year40/41€48k€49k▲
Trade receivables40€10k€9k▼
Other amounts receivable41€38k€40k▲
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1€690€603▼
Equity and liabilities
Total equity and liabilities10/49€53k€52k▼
Equity10/15€38k€32k▼
Contributions10/11€15k€15k=
Reserves13€22k€22k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€2k€-5k▼
Amounts payable17/49€14k€20k▲
Amounts payable within one year42/48€14k€20k▲
Current portion of amounts payable after more than one year42€653-
Trade debts44€10k€15k▲
Suppliers440/4€10k€15k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€229▼
Other operating charges640/8€2k€443▼
Gross operating margin9900€17k€-4k▼
Operating profit (loss)9901€13k€-5k▼
Financial income75/76B€17-
Recurring financial income75€17-
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€11k€-6k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€9k€-6k▼
Profit (loss) for the period to be appropriated9905€9k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€-5k▼
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer to equity691/2€9k-
To other reserves6921€9k-
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €11k ▲343%
Operating result €13k, net result €11k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.73
Current ratio from 2.75 to 5.73; short-term debt falls from €10k to €6k.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 83 days late
2020
31-12
Financial
Weakest financial yearnet €-15k ▼2708%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 33 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Namur · 1 establishment unit since 2004
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.
Chemin de Wépion(ML) 455020 NamurGround area
2,574 m²
Building footprint
149 m²
Volume, LiDAR
1,412 m³
Parcel 92082C0244/00K000, Wallonia · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CLT CONSTRUCTION
since 20042.135.989.785
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92082C0244/00K000 | Wallonia | 2,574 m² | 1 · 149 m² | 12.2 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
L&R Technics
BE 0695.577.892
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SecuWatts
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FG VISION
BE 0550.712.154
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VENTROLEC
BE 0790.895.438
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KOC ELECT
BE 0775.525.688
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Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 8,060 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-03-2004
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43211General electrical installation work
45310
43230Insulation installation
43291Specialised construction activities
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0475/23.87.74