Equity
-€77
Debts exceed assets in financial year 2025.
Con-structive
Lifetime
2 annual accounts with figures on one time axispeak €31,238 (2025)
€31,238▲ €48,310
lowest -€19,594 (2024)
€19,367▲ €38,961
peak -€77 (2025)
-€77▲ €19,367
€59,208▼ 29.0%
Board1 name since 2024
1 directorPETERS Philip Mathias Gustaaf
Documentsfilings and deeds
26-06-202635 days before the deadline
2025micro format
Gross margin from -€17,072 to €31,238Back to profit: €19,367Equity from -€19,444 to -€77Debts from €83,432 to €59,208Cash from €6,124 to €105
Key points
from the 2025 annual accountsDebts
€59,208 100% of the balance sheet
Financial debts 33%Suppliers 3%Taxes and wages 23%Other 41%
Of this, €39,458 falls due within a year.
Position in the sector
-€77
Less equity than 91% of companies in financial services. Sector median €124,004 · 9,777 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
Three signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 9770 sector peers (2025).
NBB · sector comparisonPosition among 9770 sector peers
Solvency
better than 9%
← weakest
strongest →
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-06-2026, 35 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
35 days early
2024
7 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 14 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1010698131
Incorporation
Founding capital of €150, 10 shares · Founder: PETERS Philip Mathias Gustaaf · Appointment: PETERS Philip Mathias Gustaaf (director) · published on 26-06-2024 · Gazette deed
First establishment
Frans Nackaertsstraat 15, Leuven
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Con-structive Leuven | €59,132 | €31,238 | -0.1% | - |
| FRAWILOU Beersel | €57,840 | €28,524 | 63.9% | - |
| Smart Lean Solutions Boutersem | €43,254 | €32,301 | 52.8% | - |
| Management & Investment Company Tienen | €48,772 | €33,680 | 67.2% | - |
| Alievo Oud-Turnhout | €54,215 | €31,454 | 30.1% | - |
| CYBERCONNECT Olen | €57,666 | €34,616 | 75.0% | - |
| Vermo management Ravels | €55,292 | €33,253 | 80.3% | - |
These companies have the same main activity as Con-structive: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €43,300 and €57,800, founded in 2024.
Official details
Source: KBO- Status
- Active since 24-06-2024Normal situation
- Activity
- Activities of holding companiesNACE 64210
- Establishment unit
- 2.360.912.1973010 Leuven, since 24-06-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 01-07-2024
Annual accounts 2025
- €59,132▼ 7.6%
- Filing
- Filed on 26-06-2026, 35 days before the end of the filing period
Insights on Con-structive
Con-structive is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€77) and a net result of €19,367.
Its solvency ranks better than 9% of 9,770 sector peers (NACE 64, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Con-structive
- What is the company number of Con-structive?
- The company number of Con-structive is 1010.698.131. The VAT number is the same number with BE in front: BE 1010.698.131.
- Where is Con-structive based?
- The registered office is at Frans Nackaertsstraat 15, 3010 Leuven.Company details
- What does Con-structive do?
- According to the KBO register, the main activity is activities of holding companies (NACE 64210).
- What is the legal form of Con-structive?
- Con-structive is a private limited company (BV).
- When was Con-structive founded?
- Con-structive was founded on 24-06-2024.
- Is Con-structive still active?
- Yes, Con-structive is an active enterprise in the KBO register.
- What is the turnover of Con-structive?
- The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €31,238 and 2,934 comparable companies of the same size. It probably lies between €76,000 and €230,000. It is a rough estimate.Financials
- Is Con-structive profitable?
- In financial year 2025, Con-structive made a profit of €19,367.
- Where can I find the annual accounts of Con-structive?
- Con-structive filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Con-structive due?
- Con-structive must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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