Equity
-€4,191
Debts exceed assets in financial year 2025.
Congenium
Lifetime
2 annual accounts with figures on one time axispeak -€1,890 (2025)
-€1,890▲ €3,774
lowest -€6,735 (2024)
-€2,456▲ €4,280
peak -€1,735 (2024)
-€4,191▼ €2,456
€7,434▲ 19.3%
Board1 name since 2023
1 directorFRANS Hendrik Maurice Regina
Documentsfilings and deeds
25-06-202636 days before the deadline
2025micro format
Gross margin from -€5,665 to -€1,890Loss of €2,456Equity from -€1,735 to -€4,191Debts from €6,232 to €7,434Cash from €47 to €553
Key points
from the 2025 annual accountsLosses
-€9,191 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Position in the sector
-129.2%
Lower solvency than 95% of companies in real estate. Sector median 28.9% · 17,194 companies.
Turnover not published (micro format)
Checked score
53
Fair
Financially stronger than 7% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 0.9%● unchanged vs 12-2024
02-2025: 1.0%▲ +0.1 percentage points vs 01-2025
03-2025: 1.1%▲ +0.1 percentage points vs 02-2025
04-2025: 1.1%● unchanged vs 03-2025highest value
05-2025: 1.1%● unchanged vs 04-2025
06-2025: 1.1%● unchanged vs 05-2025
07-2025: 1.1%● unchanged vs 06-2025
08-2025: 1.0%▼ -0.1 percentage points vs 07-2025
09-2025: 1.0%● unchanged vs 08-2025
10-2025: 1.0%● unchanged vs 09-2025
11-2025: 1.0%● unchanged vs 10-2025
12-2025: 1.0%● unchanged vs 11-2025
01-2026: 1.0%● unchanged vs 12-2025
02-2026: 1.0%● unchanged vs 01-2026
03-2026: 1.0%● unchanged vs 02-2026
04-2026: 1.0%● unchanged vs 03-2026
05-2026: 1.0%● unchanged vs 04-2026
06-2026: 1.0%● unchanged vs 05-2026
07-2026: 0.7%▼ -0.3 percentage points vs 06-2026
08-2026: 0.7%● unchanged vs 07-2026
09-2026: 0.7%● unchanged vs 08-2026
10-2026: 0.6%▼ -0.1 percentage points vs 09-2026lowest value
11-2026: 0.6%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€4,191
Loss of €2,456, the second in a row (financial year 2025)
lowers risk
Sector: Real estate activities (NACE 68)
Size: total assets €3,243
Calculation
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 68, micro). It does better than 5% of them on solvency, 17% on liquidity, 4% on profitability and 4% on growth.
The bankruptcy probability was computed on 09-11-2026 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 low class on 30-06-2025, 0.8% 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).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as Congenium has now. Each dot stands for 20 companies, two years later.
84.8%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Congenium itself is lower: 0.6% within 12 months. It rests on far more data about Congenium than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for Congenium. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€4,191
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 25-06-2026, 36 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
36 days early
2024
25 days early
← 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 31 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 0208:0799327312
Incorporation
Founding capital of €5,000, 50 shares · Founder: FRANS Hendrik Maurice Regina · Appointment: FRANS Hendrik Maurice Regina (director) · published on 13-03-2023 · Gazette deed
First establishment
Windmolenstraat 10, Mol
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Congenium Mol | €3,243 | -€1,890 | -129.2% | - |
| IMMO SC Middelkerke | €2,861 | -€5,050 | -2575.3% | - |
| Stone2Home Lebbeke | €3,811 | -€1,413 | -16.9% | - |
| NEXT DAY CAPITAL FOURTEEN Ixelles | €2,691 | -€9,823 | -1057.3% | - |
| BELFRA PROJECTS Antwerp | €2,306 | -€2,738 | -127.8% | - |
| ROCK Antwerp | €3,126 | -€19,047 | -339.4% | - |
| FRANJO Brecht | €2,072 | -€1,658 | -225.7% | - |
These companies have the same main activity as Congenium: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €2,070 and €3,810, founded between 2021 and 2023.
Official details
Source: KBO- Status
- Active since 09-03-2023Normal situation
- Activity
- Development of residential building projectsNACE 68121
- Establishment unit
- 2.343.223.2582400 Mol, since 09-03-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 18-01-2025
Annual accounts 2025
- €3,243▼ 27.9%
- Filing
- Filed on 25-06-2026, 36 days before the end of the filing period
Insights on Congenium
Congenium has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€4,191) and a net result of -€2,456.
Its solvency ranks better than 5% of 17,194 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
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 Congenium
- What is the company number of Congenium?
- The company number of Congenium is 0799.327.312. The VAT number is the same number with BE in front: BE 0799.327.312.
- Where is Congenium based?
- The registered office is at Windmolenstraat 10, 2400 Mol.Company details
- What does Congenium do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of Congenium?
- Congenium is a private limited company (BV).
- When was Congenium founded?
- Congenium was founded on 09-03-2023.
- Is Congenium still active?
- Yes, Congenium is an active enterprise in the KBO register.
- What is the turnover of Congenium?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is Congenium profitable?
- In financial year 2025, Congenium made a loss of €2,456.
- Where can I find the annual accounts of Congenium?
- Congenium filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Congenium due?
- Congenium must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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