Investments
€29,117 5.3 × depreciation
Green is investment, beige is depreciation.
CONSTRUCT CAMBIER PROJECT
Lifetime
9 annual accounts with figures on one time axispeak €78,833 (2022)
€30,999▼ 33.9%
lowest -€1,793 (2020)
€15,186▲ 94.1%
peak €100,765 (2025)
€100,765▲ 12.5%
€50,465▲ 2.4%
peak 1 FTE (2018)
-not published
Board1 name since 2021
1 directorCAMBIER Harold, Michel, Ghislain
Documentsfilings and deeds
30-06-202631 days before the deadline
2025abbreviated format
Gross margin from €46,906 to €30,999Result from €7,826 to €15,186Equity from €89,578 to €100,765Investments €26,047
Key points
from the 2025 annual accountsChecked score
69
Healthy
Financially stronger than 66% of micro companies in construction of buildings (NACE 41)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.4%
01-2025: 2.3%▼ -0.1 percentage points vs 12-2024
02-2025: 2.3%● unchanged vs 01-2025
03-2025: 2.3%● unchanged vs 02-2025
04-2025: 2.3%● unchanged vs 03-2025
05-2025: 2.2%▼ -0.1 percentage points vs 04-2025
06-2025: 2.1%▼ -0.1 percentage points vs 05-2025
07-2025: 2.2%▲ +0.1 percentage points vs 06-2025
08-2025: 2.6%▲ +0.4 percentage points vs 07-2025highest value
09-2025: 1.2%▼ -1.4 percentage points vs 08-2025
10-2025: 1.2%● unchanged vs 09-2025
11-2025: 1.2%● unchanged vs 10-2025
12-2025: 1.2%● unchanged vs 11-2025
01-2026: 1.1%▼ -0.1 percentage points vs 12-2025
02-2026: 1.1%● unchanged vs 01-2026
03-2026: 1.1%● unchanged vs 02-2026
04-2026: 1.1%● unchanged vs 03-2026
05-2026: 1.1%● unchanged vs 04-2026
06-2026: 1.1%● unchanged vs 05-2026
07-2026: 0.9%▼ -0.2 percentage points vs 06-2026lowest value
08-2026: 0.9%● unchanged vs 07-2026lowest value
09-2026: 0.9%● unchanged vs 08-2026lowest value
10-2026: 0.9%● unchanged vs 09-2026lowest value
11-2026: 0.9%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Size: turnover €146,478, total assets €151,229
Sector: Construction of residential and non-residential buildings (NACE 41)
1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 3.18, cash €20,669
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 76% of them on solvency, 62% on liquidity, 69% on profitability and 57% on growth.
The bankruptcy probability was computed on 10-11-2026 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, 34,693 companies had the same profile as CONSTRUCT CAMBIER PROJECT has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of CONSTRUCT CAMBIER PROJECT itself: 0.9% within 12 months.
Test of the method
The method was tested on the 497,448 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 34,693 companies, not a prediction for CONSTRUCT CAMBIER PROJECT. 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 €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.18 (2.86 in 2024), above the usual 1.5. Short-term debt is 25.9% and cash 13.7% of total assets. 33.4% 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 · 9 filingsDeviation from the deadline
2025
31 days early
2024
8 days late
2023
40 days late
2022
73 days late
2021
37 days late
2020
86 days late
2019
32 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 26 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% 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. The company usually files around 6 September (4 of the last 5 accounts filed within 36 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0659983248
Change of role: CAMBIER Harold, Michel, Ghislain, from manager to director
General meeting of 26-12-2023 · Gazette deed
Registered office moved from Binche to Buvrinnes
New registered office: COUR DE BADY 9 à 7133 BUVRINNES · Previous registered office: Rue de Fontaine 48, 7134 BINCHE · General meeting of 31-03-2018 · Gazette deed
Incorporation
published on 01-08-2016 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CONSTRUCT CAMBIER PROJECT Binche | €151,229 | €30,999 | 66.6% | - |
| SASAN BUILD Charleroi | €146,987 | €39,180 | 63.4% | - |
| 4D Works Geel | €155,757 | €30,711 | 35.6% | - |
| RUUD DE SMET Tielt | €143,018 | €32,924 | 32.0% | - |
| WIDIBOUW Hoegaarden | €139,997 | €31,709 | 80.0% | - |
| SEB BOUW Zoersel | €139,762 | €29,214 | 35.9% | - |
| Lovale Concept Auderghem | €166,387 | €32,475 | 36.8% | - |
These companies have the same main activity as CONSTRUCT CAMBIER PROJECT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €140,000 and €166,000, founded between 2015 and 2016.
Official details
Source: KBO- Status
- Active since 28-07-2016Normal situation
- Activity
- General construction of residential buildingsNACE 41001
- Joint committee
- 124Construction · annual accounts 2025
- Establishment unit
- 2.255.518.2347133 Binche, since 28-07-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 31-12-2025
Annual accounts 2025
- €151,229▲ 8.9%
- Employeeson 31-12-2025
- 1
- Filing
- Filed on 30-06-2026, 31 days before the end of the filing period
Insights on CONSTRUCT CAMBIER PROJECT
CONSTRUCT CAMBIER PROJECT files the abbreviated format. That format states no turnover. The gross margin rose from €22,292 in 2017 to €30,999 in 2025.
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 CAMBIER PROJECT
- What is the company number of CONSTRUCT CAMBIER PROJECT?
- The company number of CONSTRUCT CAMBIER PROJECT is 0659.983.248. The VAT number is the same number with BE in front: BE 0659.983.248.
- Where is CONSTRUCT CAMBIER PROJECT based?
- The registered office is at Cour de Bady 9, 7133 Binche.Company details
- What does CONSTRUCT CAMBIER PROJECT do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of CONSTRUCT CAMBIER PROJECT?
- CONSTRUCT CAMBIER PROJECT is a private limited company (BV).
- When was CONSTRUCT CAMBIER PROJECT founded?
- CONSTRUCT CAMBIER PROJECT was founded on 28-07-2016.
- Is CONSTRUCT CAMBIER PROJECT still active?
- Yes, CONSTRUCT CAMBIER PROJECT is an active enterprise in the KBO register.
- How many employees does CONSTRUCT CAMBIER PROJECT have?
- CONSTRUCT CAMBIER PROJECT had an average of 0.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does CONSTRUCT CAMBIER PROJECT fall under?
- In its 2025 annual accounts, CONSTRUCT CAMBIER PROJECT states joint committee 124 (Construction).
- What is the turnover of CONSTRUCT CAMBIER PROJECT?
- The turnover of CONSTRUCT CAMBIER PROJECT was €146,478 in financial year 2025, according to the filed annual accounts.
- Is CONSTRUCT CAMBIER PROJECT profitable?
- In financial year 2025, CONSTRUCT CAMBIER PROJECT made a profit of €15,186.
- Where can I find the annual accounts of CONSTRUCT CAMBIER PROJECT?
- CONSTRUCT CAMBIER PROJECT filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CONSTRUCT CAMBIER PROJECT due?
- CONSTRUCT CAMBIER PROJECT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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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