Con-structive
ActiveSummary
Con-structive is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show negative equity (-€19,444) and a net result of -€19,594. Its solvency ranks better than 5% of 9865 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9865 sector peers (2024).
NBB · sector comparisonPosition among 9865 sector peers
Solvency
better than 5%
← weakest
strongest →
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-08-2025, 7 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 · 1 filingDeviation from the deadline
2024
7 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its 2024 accounts 7 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file What held for this company on a given day: board, seat, name?Company as of a date Which other companies resemble this one?Lookalike companies Is the registered address a letterbox or domiciliation address?Address check
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
-€19,444
Net result
-€19,594
Total assets
€63,988
Solvency
-30.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €63,988
Fixed assets
€32,118
Current assets
€31,870
Key figures and ratios
ROA
-30.6%
Debt
€83,432
Debt ≤ 1 year
€57,184
Debt > 1 year
€26,248
Income taxes
€64
Annual accounts
| Line | 2024 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,415 |
| Other operating charges640/8 | €499 |
| Gross operating margin9900 | -€17,072 |
| Operating profit (loss)9901 | -€18,986 |
| Financial charges65/66B | €543 |
| Recurring financial charges65 | €543 |
| Profit (loss) for the period before taxes9903 | -€19,529 |
| Income taxes67/77 | €64 |
| Profit (loss) for the period9904 | -€19,594 |
| Profit (loss) for the period to be appropriated9905 | -€19,594 |
| Line | 2024 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €63,988 | |
| Fixed assets21/28 | €32,118 | |
| Tangible fixed assets22/27 | €32,118 | |
| Furniture and vehicles24 | €32,118 | |
| Current assets29/58 | €31,870 | |
| Amounts receivable within one year40/41 | €14,599 | |
| Trade receivables40 | €12,100 | |
| Other amounts receivable41 | €2,499 | |
| Cash at bank and in hand54/58 | €6,124 | |
| Deferred charges and accrued income490/1 | €11,146 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €63,988 | |
| Equity10/15 | -€19,444 | |
| Contributions10/11 | €150 | |
| Profit (loss) carried forward14 | -€19,594 | |
| Amounts payable17/49 | €83,432 | |
| Amounts payable after more than one year17 | €26,248 | |
| Financial debts170/4 | €26,248 | |
| Amounts payable within one year42/48 | €57,184 | |
| Current portion of amounts payable after more than one year42 | €6,264 | |
| Trade debts44 | €2,857 | |
| Suppliers440/4 | €2,857 | |
| Taxes, remuneration and social security45 | €19,903 | |
| Taxes450/3 | €153 | |
| Remuneration and social security454/9 | €19,750 | |
| Other amounts payable47/48 | €28,161 | |
| Line | 2024 |
|---|---|
| Profit (loss) for the period9904 | -€19,594 |
| + Depreciation and write-downs630 | €1,415 |
| Operating cash flow (approximation) | -€18,179 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Leuven · 1 establishment unit since 2024
Ground area
596 m²
Building footprint
105 m²
Volume, LiDAR
708 m³
Parcel 24482F0194/00M017, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Con-structive
since 20242.360.912.197
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24482F0194/00M017 | Flanders | 596 m² | 1 · 105 m² | 9.4 m · 2 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.
Similar companies · same sector and region
August 10
BE 0790.293.345
Leuven
BioSystems Consult
BE 0751.986.065
Leuven
CMCT coaching & training
BE 0721.598.341
Leuven
Contreras Sebastian
BE 0640.922.649
Leuven
DBLS
BE 0747.737.762
Leuven
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 24,730 companies in sector 64210 we hold annual accounts for 19,772. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-06-2024
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.