Equity
-€4,191
Debts exceed assets in financial year 2025.
Congenium
Overview
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
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.
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
- -€1,890▲ 66.6%
- €2,456▼ 63.5%
- -€4,191▼ 141%
- €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.
Financials
Annual accounts 2025
micro format, filed on 25-06-2026, 36 days before the deadline-€1,890
▲ €3,774
-€2,410
▲ €4,289
-€2,456
▲ €4,280
-€5,684
▼ €2,056
-
-
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €3,243 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
3,243 | 4,497 | |
21/28 |
1,493 | 1,893 | |
22/27 |
1,493 | 1,893 | |
23 |
1,493 | 1,893 | |
29/58 |
1,750 | 2,604 | |
40/41 |
726 | 2,556 | |
40 |
242 | 2,382 | |
41 |
484 | 174 | |
54/58 |
553 | 47 | |
490/1 |
471 | - | |
| Balance sheet: equity and liabilities | |||
10/49 |
3,243 | 4,497 | |
10/15 |
-4,191 | -1,735 | |
10/11 |
5,000 | 5,000 | |
14 |
-9,191 | -6,735 | |
17/49 |
7,434 | 6,232 | |
42/48 |
7,434 | 6,232 | |
44 |
834 | 3,332 | |
440/4 |
834 | 3,332 | |
47/48 |
6,600 | 2,900 | |
| Income statement | |||
9900 |
-1,890 | -5,665 | |
630 |
400 | 866 | |
640/8 |
120 | 168 | |
9901 |
-2,410 | -6,699 | |
65/66B |
45 | 37 | |
65 |
45 | 37 | |
9903 |
-2,456 | -6,735 | |
9904 |
-2,456 | -6,735 | |
9905 |
-2,456 | -6,735 | |
| Appropriation of the result | |||
9906 |
-9,191 | -6,735 | |
14P |
-6,735 | - | |
| Document | |||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 25-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| -2,010 | -5,833 | ||
| -2,056 | -5,869 | ||
| 0 | 2,759 | ||
| 506 | - | ||
| -5,684 | -3,628 | ||
| -44.60 | -159.80 |
The ratios are withheld because a balance sheet total of €3,243 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | - | €2,759 |
| €400 | €866 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on Congenium
The operating result for 2025 is a loss of €2,410, smaller than the loss of €6,699 in 2024.
Equity is negative. Debt (€7,434) exceeds the balance-sheet total (€3,243).
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 13-03-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 25-06-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 13-03-2023
Mandates through the years
1 name, the dashed line is todayFRANS Hendrik Maurice Regina
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- FRANS Hendrik Maurice Regina
- Director (not named in the articles), from 09-03-2023 to date
Control
Capital
- Contribution
- €5,000
- Shares
- 50
- Contribution per share
- €100
- Equity per share
- -€83.82 in 2025
- Source
- deed of 13-03-2023
Articles of association
deed of 13-03-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 15 June at 19:00
Founder
At incorporation
deed of 13-03-2023 ↗
- FRANS Hendrik Maurice Regina sole founder · 100% at incorporation
Network & group
No group
Congenium has no parent and no holdings in its annual accounts. FRANS Hendrik Maurice Regina is the only director. Congenium shares no director with another company.
At the same address
Windmolenstraat 10, 2400 Mol · 1 other company| HIMMOBO
registered office since 24-03-2014 · founded in 2014 |
total assets €43,932 (2025) 0548.962.293 |
Timeline
Timeline
5 events since 2023Filings
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 36 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 25 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0799327312
2023
IncorporationFounding capital of €5,000, 50 shares · Founder: FRANS Hendrik Maurice Regina · Appointment: FRANS Hendrik Maurice Regina (director) · published on 13-03-20236 points ▸
- Founder, FRANS Hendrik Maurice Regina
- Founding capital, €5,000, 50 shares
- Registered office clause, Windmolenstraat 10, 2400 Mol
- Board rule, 1
- Director appointment, FRANS Hendrik Maurice Regina (director (not named in the articles))
- Permanent representative, FRANS Hendrik Maurice Regina
First establishment Windmolenstraat 10, Mol
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Congenium was incorporated on 9 March 2023 as a private limited company by one natural person, with a starting capital of €5,000.12 FRANS Hendrik Maurice Regina is director of the company, appointed by deed of 13-03-2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 0799.327.312
- VAT number
- BE 0799.327.312
- Peppol ID
- 0208:0799327312
- Other Peppol ID
- 9925:BE0799327312
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 09-03-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 15 June at 19:00deed of 13-03-2023 (in Dutch)
- Peppol
- Reachable since 18-01-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Congenium in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 13-03-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 13-03-2023 (in Dutch)
Activities
NACEBEL 202568121
Development of residential building projects main activity
Codes under NACEBEL 2008
41101
Real estate development main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Ontwikkeling van residentiële bouwprojecten; Ontwikkeling van niet-residentiele bouwprojecten; Verhuur en exploitatie van terreinen…”deed of 13-03-2023 (in Dutch)
34 activities
- Ontwikkeling van residentiële bouwprojecten;
- Ontwikkeling van niet-residentiele bouwprojecten;
- Verhuur en exploitatie van terreinen;
- E-commerce;
- Aankoop en verkoop van gronden en terreinen;
- Managementactiviteiten van holding: tussenkomen in het dagelijks bestuur,vertegenwoordigen van bedrijven op grond van bezit van of controle over het kapitaal/vermogen,enzovoort;
- Projectontwikkeling voor de nieuwbouw van individuele woningen of voor renovatiewerken;
- Projectontwikkeling voor de bouw van appartementsgebouwen,dit zowel voor nieuwbouw als voor renovatie;
- Projectontwikkeling voor de bouw of aanleg van : commerciële en industriële centra,hotels,industriezones en markten,jachthavens,wintersportcentra enzomeer;
- Projectontwikkeling voor de aanleg of renovatie van stadswijken;
- Grondverkavelingen;
- Ruilverkavelingen;
- Op lange termijn aanhouden van aandelen die afkomstig zijn van verschillende andere bedrijven uit verscheidenen economische sectoren;
- Algemene bouwwerken;
- Algemene bouwwerkzaamheden beperkt tot coördinatie van de werken en uitgevoerd door onderaannemers;
- Beheervennootschappen van gemeenschappelijke beleggingsfondsen;
- Handel in eigen onroerend goed: flatgebouwen en woningen,niet voor bewoning bestemde gebouwen en grond;
- Verkoop van eigen handelszaken en van zelf verworven sleutelgeld (overname);
- Verhuur van al dan niet gemeubelde appartementen en huizen;
- Exploitatie van onroerend goed in de vorm van timesharing;
- Verhuur van niet-residentiële gebouwen zoals kantoorgebouwen,handelspanden,tentoonstellings-ruimtes,enzovoort,…
- Verhuur van garageboxen en staanplaatsen voor auto’s;
- Verhuur van handelszaken;
- Verhuur van gronden en terreinen,ook indien bebouwd,voor landbouwdoeleinden;
- Verlenen in opdracht van de eigenaar(s) van alle diensten die noodzakelijk zijn voor het behoorlijk functioneren van de gebouwen (niet-residentieel gebouw);
- Toezicht op bouwwerkzaamheden (ruwbouw,installatie,afwerking,enzoverder);
- Leiden van belangrijke herstellingswerkzaamheden aan gebouwen;
- Uitwerking van projecten op het gebied van de burgerlijke en utiliteitsbouw,de weg- en waterbouw en het verkeer;
- Het verlenen van advies,het opmaken van studies en het opvolgen van werken bouwkunde,stabiliteit,infrastructuur,burgerlijke bouwkunde,bouwfysica,energie,technieken bouwkunde,industriële technieken en technisch beheer van gebouwen,zowel private als van openbare aard;
- Het optreden als expert voor schade en fouten aangericht of veroorzaakt aan bouwkundige constructies;
- Veiligheidscoördinatie & EPB in ontwerp en uitvoering voor bouwkundige en industriële werken;
- Projectcoördinatie,-beheer en -management bouwkundige en industriële werken;
- Het uitvoeren van consultancy en studie rond facilitaire dienstverlening;
- Onderneming in onroerende goederen,welke onder meer omvat: de verwerving,de vervreemding,het beheer,de borgstelling,de uitbating,de valorisatie,de verkaveling,de ordening,de huur en de verhuur,de ontwikkeling,het doen bouwen en verbouwen evenals alle roerende verhandelingen in de meest brede zin,met inbegrip van onroerende leasing.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Windmolenstraat 10 registered office 2400 Mol | 09-03-2023 | 2.343.223.258 |
Buildings and parcels at the address
- Ground area
- 2,866 m²
- Buildings
- 218 m²
- Volume, LiDAR
- 1,340 m³
- Tallest building
- 10.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 13433E1073/00E000 | 2,866 m² | 1 · 218 m² | 10.2 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0799.327.312