CONSEILCONSTRUCT
ActiveCONSEILCONSTRUCT 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 (€-20k) and a net result of €-19k. Equity is shrinking by ~91.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 2403 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four 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 2403 sector peers (2025).
NBB · sector comparisonPosition among 2403 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 5 filingsDeviation from the deadline
2025
28 d late
2024
25 d late
2023
29 d late
2022
31 d late
2021
26 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-20k▼ 1,028%
2024 · €-2k
2021: €12k
2022: €4k
2023: €9k
2024: €-2k
2021 → 2025
Net result
€-19k▼ 74.3%
2024 · €-11k
2021: €2k
2022: €-9k
2023: €5k
2024: €-11k
2021 → 2025
Total assets
€181k▼ 8.9%
2024 · €199k
2021: €82k
2022: €95k
2023: €145k
2024: €199k
2021 → 2025
Solvency
-11.2%▼ 10.3pp
2024 · -0.9%
2021: 15.2%
2022: 3.9%
2023: 6.1%
2024: -0.9%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€4k▼ 70.0%€9k▲ 137%€-2k€-20k▼ 1,028%
Operating result€7k-€-7k€8k€-10k€-18k▼ 77.0%
Net result€2k-€-9k€5k€-11k€-19k▼ 74.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €18k in 2025 against €10k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €181k
Fixed assets
€174k▼ 3.3%
Current assets
€7k▼ 61.3%
Key figures and ratios
Solvency
-11.2%▼
2024 · -0.9%
ROE
91.1%▼
2024 · 589.7%
ROA
-10.2%▼
2024 · -5.3%
Debt
€202k▲
2024 · €201k
Debt ≤ 1 year
€195k▲
2024 · €191k
Debt > 1 year
€7k▼
2024 · €10k
Income taxes
€-193▼
2024 · €215
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€199k€181k▼
Fixed assets21/28€180k€174k▼
Tangible fixed assets22/27€180k€173k▼
Land and buildings22€36k€36k=
Plant, machinery and equipment23€114k€104k▼
Furniture and vehicles24€30k€34k▲
Financial fixed assets28-€420
Current assets29/58€19k€7k▼
Stocks and contracts in progress3-€1k
Stocks30/36-€1k
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€4k€4k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€13k€606▼
Deferred charges and accrued income490/1€824€1k▲
Equity and liabilities
Total equity and liabilities10/49€199k€181k▼
Equity10/15€-2k€-20k▼
Contributions10/11€10k€10k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Profit (loss) carried forward14€-13k€-31k▼
Amounts payable17/49€201k€202k▲
Amounts payable after more than one year17€10k€7k▼
Financial debts170/4€10k€7k▼
Amounts payable within one year42/48€191k€195k▲
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€182k€187k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€26k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€10k-
Gross operating margin9900€21k€9k▼
Operating profit (loss)9901€-10k€-18k▼
Financial charges65/66B€255€744▲
Recurring financial charges65€255€744▲
Profit (loss) for the period before taxes9903€-10k€-19k▼
Income taxes67/77€215€-193▼
Profit (loss) for the period9904€-11k€-19k▼
Profit (loss) for the period to be appropriated9905€-11k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-31k▼
Profit (loss) brought forward from the previous period14P€-2k€-13k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Somme-Leuze · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue du Mayeur, Bonsin 1C5377 Somme-LeuzeGround area
6,451 m²
Building footprint
185 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Conseilconstruct
since 20202.306.335.643
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91019A0416/00D000 | Wallonia | 5,552 m² | 1 · 114 m² | - |
| 91019A0395/00C000 | Wallonia | 899 m² | 1 · 71 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 850 companies in sector 66210 we hold annual accounts for 511. 197 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2020
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
68121Development of residential building projects
68122Development of non-residential building projects
71111Activities of building architects
71121Engineering and related technical consultancy, excluding land surveyors
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.