Turnover
≈ €240,000 estimated
The micro format states no turnover.
CONSTRUCT ALBA
Lifetime
1 annual account with figurespeak €34,935 (2025)
€34,935
peak €172 (2025)
€172
peak €11,172 (2025)
€11,172
€34,095
Board1 name since 2024
1 directorALBARINO GANDARELA Anthony
Documentsfilings and deeds
30-06-202631 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsDebts
€34,095 75% of the balance sheet
Suppliers 77%Taxes and wages 16%Other 7%
Starting capital
€11,000 100 shares
Checked score
50
Fair
Financially stronger than 36% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.0% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 3.6%
01-2026: 3.7%▲ +0.1 percentage points vs 12-2025
02-2026: 3.7%● unchanged vs 01-2026
03-2026: 4.0%▲ +0.3 percentage points vs 02-2026
04-2026: 4.2%▲ +0.2 percentage points vs 03-2026
05-2026: 7.5%▲ +3.3 percentage points vs 04-2026
06-2026: 7.8%▲ +0.3 percentage points vs 05-2026highest value
07-2026: 3.0%▼ -4.8 percentage points vs 06-2026lowest value
08-2026: 3.0%● unchanged vs 07-2026lowest value
09-2026: 3.0%● unchanged vs 08-2026lowest value
10-2026: 3.0%● unchanged vs 09-2026
11-2026: 3.0%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2024
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: total assets €45,267
lowers risk
Figures for financial year 2025 (filed on 30-06-2026)
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 41, micro). It does better than 31% of them on solvency, 37% on liquidity and 40% on profitability.
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 moderate class on 30-06-2025, 2.4% 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, 294 companies had the same profile as CONSTRUCT ALBA has now. Each dot is one company, two years later.
95.6%
were still trading
2.0%
stopped another way
2.4%
went bankrupt
That fits the bankruptcy probability of CONSTRUCT ALBA itself: 3.0% within 12 months.
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 294 companies, not a prediction for CONSTRUCT ALBA. 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
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.01, below the usual 1.5. Short-term debt is 75.3% and cash 24.8% of total assets. 75.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
31 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered-office move · Amendment of the articles
General meeting of 24-12-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016199615
Incorporation
Founding capital of €11,000, 100 shares · Founder: ALBARINO GANDARELA Anthony · Appointment: ALBARINO GANDARELA Anthony (director) · published on 19-11-2024 · Gazette deed
First establishment
Rue du Ier de Ligne 16, Verviers
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CONSTRUCT ALBA Soumagne | €45,267 | €34,935 | 24.7% | - |
| JRL Création Herstal | €44,445 | €28,707 | 47.8% | - |
| ADA.S Beringen | €45,612 | €32,783 | 42.5% | - |
| AZ Projects Teams Oud-Turnhout | €42,814 | €35,775 | 71.2% | - |
| Hernest Brasschaat | €46,418 | €37,814 | 63.6% | - |
| FIGA RENOVATION Tournai | €49,021 | €36,054 | 65.1% | - |
| HERTSENS HENDRIK Beveren-Kruibeke-Zwijndrecht | €43,903 | €39,387 | 57.6% | - |
These companies have the same main activity as CONSTRUCT ALBA: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €42,800 and €49,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 14-11-2024Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 5 others
- Joint committee
- 124Construction · annual accounts 2025
- Establishment unit
- 2.367.179.5854800 Verviers, since 14-11-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 19-12-2025
Annual accounts 2025
- €45,267
- Employeeson 31-12-2025
- 1
- Filing
- Filed on 30-06-2026, 31 days before the end of the filing period
Insights on CONSTRUCT ALBA
The computed 12-month bankruptcy probability of CONSTRUCT ALBA is 3.0% (moderate). The 2025 annual accounts show equity of €11,172 and a net result of €172.
Its solvency ranks better than 31% of 9,462 sector peers (NACE 41, 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 CONSTRUCT ALBA
- What is the company number of CONSTRUCT ALBA?
- The company number of CONSTRUCT ALBA is 1016.199.615. The VAT number is the same number with BE in front: BE 1016.199.615.
- Where is CONSTRUCT ALBA based?
- The registered office is at Rue de l'Egalité 25, 4630 Soumagne.Company details
- What does CONSTRUCT ALBA do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of CONSTRUCT ALBA?
- CONSTRUCT ALBA is a private limited company (BV).
- When was CONSTRUCT ALBA founded?
- CONSTRUCT ALBA was founded on 14-11-2024.
- Is CONSTRUCT ALBA still active?
- Yes, CONSTRUCT ALBA is an active enterprise in the KBO register.
- How many employees does CONSTRUCT ALBA have?
- CONSTRUCT ALBA had an average of 0.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does CONSTRUCT ALBA fall under?
- In its 2025 annual accounts, CONSTRUCT ALBA states joint committee 124 (Construction).
- What is the turnover of CONSTRUCT ALBA?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €34,935 and 164 comparable companies (NACE 41001). It probably lies between €130,000 and €440,000.
- Is CONSTRUCT ALBA profitable?
- In financial year 2025, CONSTRUCT ALBA made a profit of €172.
- Where can I find the annual accounts of CONSTRUCT ALBA?
- CONSTRUCT ALBA filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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