Result
From profit to loss in 2025, after a profit of €2.1m in 2024.
From profit to loss in 2025, after a profit of €2.1m in 2024.
Green is investment, beige is depreciation.
In 2025, 19 people joined and 10 left. On top of that, 2.8 agency workers worked there on average.
COMPAGNIE FINANCIERE DE TRAVAUX PUBLICS ET AGREGATS pays its suppliers 40 days later than in 2024. Customers pay 4 days earlier.
Four of the last ten came late. The 2019 accounts came latest: 40 days after the end of the period.
Lower net result than 95% of companies in employment activities. Sector median €40,969 · 316 companies.
The dashed line is the sector median: 0.3% across 117 companies (NACE 78, medium-sized).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 78, medium-sized). It does better than 60% of them on solvency, 26% on liquidity, 25% on profitability and 68% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Liquidity is insufficient, with a current ratio of 0.4 (0.42 in 2024), below 1. Short-term debt is 52% and cash 0.9% of total assets. 68.6% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 5 accounts on average 1 day before the deadline. In the sector (NACE 78), the median for financial year 2024 was 14 days before the deadline, and 30% of those companies filed late.
Shares in 16 companies, including Etablissements Maurice Wanty and FONCIER INVEST
Board & ownership| Company | Turnover | EBIT margin | Solvency | Staff |
|---|---|---|---|---|
| COMPAGNIE FINANCIERE DE TRAVAUX PUBLICS ET AGREGATS Binche | €8.9m | 4.8% | 31.4% | 72.3 |
| ACTIEF CONSTRUCT Lummen | €18.0m | 15.0% | 97.0% | 172.5 |
| Sodiwe Mechelen | €9.5m | 4.8% | 28.3% | 61.5 |
| NOVA Engineering Hasselt | €4.9m | 11.9% | 3.8% | 25.7 |
| KONVERT Kortrijk | €5.4m | 3.0% | 82.7% | 35.3 |
| NXTPeople Kortrijk | €23.6m | 88.7% | 14.4% | 20.8 |
| CARE TALENTS Kortrijk | €34.6m | 14.1% | 26.0% | 275.1 |
Grey: the largest companies of the sector (employment activities (NACE 78)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as COMPAGNIE FINANCIERE DE TRAVAUX PUBLICS ET AGREGATS: temporary employment agencies and other provision of personnel (NACE 78200). They are comparable in size and age: total assets between €23m and €64m, founded between 1968 and 2009.
COMPAGNIE FINANCIERE DE TRAVAUX PUBLICS ET AGREGATS has existed since 1996. Turnover grew from €2.2m in 2008 to €8.9m in 2025 and staff from 20.6 to 72.3 full-time equivalents.
Turnover has grown every year since 2020.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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