CONSTRUCT CONCEPT & SERVICES
ActiveSummary
CONSTRUCT CONCEPT & SERVICES has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24,820 and a net result of -€500. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 66% of 28051 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability31▼-13
Solvency87▼-13
Growth59=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 4.29 against 4.07 in 2024; short-term debt: 23.3% and cash: 9.8% of total assets), and 38.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
61.6%
Return on assets
-1.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
on the day
2022
31 d early
2021
37 d early
2020
25 d late
2019
24 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€263,777▲ 11.2%
2018 · €237,106
EBIT margin
4.9%▲ 2.7pp
2018 · 2.3%
Net result
-€500
2024 · €125
Working capital
€30,888▲ 23.4%
2024 · €25,023
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€1,727€1,382▼ 20.0%€7,969▲ 477%€2,499▼ 68.6%€3,427▲ 37.2%
Net result€309€16▼ 94.7%€5,813▲ 35,697%€125▼ 97.9%-€500
EBIT margin
Equity€19,365▲ 1.6%€19,382▲ 0.1%€25,195▲ 30.0%€25,320▲ 0.5%€24,820▼ 2.0%
Total assets€31,830▼ 27.9%€28,429▼ 10.7%€39,376▲ 38.5%€33,475▼ 15.0%€40,281▲ 20.3%
Debt€12,464▼ 50.3%€9,047▼ 27.4%€14,181▲ 56.7%€8,155▼ 42.5%€15,462▲ 89.6%
Working capital€23,796▲ 27.2%€20,435▼ 14.1%€24,509▲ 19.9%€25,023▲ 2.1%€30,888▲ 23.4%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 37% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €40,281
Equity
€24,820 ▼ 2.0%
Debt
€15,462 ▲ 89.6%
Debt's share of the balance-sheet total rises from 24.4% to 38.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3,724▲
2024 · €2,888
Cash flow
-€203▼
2024 · €514
Current ratio
4.29▲
2024 · 4.07
Debt to equity
0.62▲
2024 · 0.32
ROE
-2.0%▼
2024 · 0.5%
ROA
-1.2%▼
2024 · 0.4%
Interest coverage
1.68▼
2024 · 2.93
Debt ≤ 1 year
€9,394▲
2024 · €8,155
Debt > 1 year
€6,068
Income taxes
€1,845▲
2024 · €1,534
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €342 | €93 | €390 | €390 | €297 | ▼ 23.8% |
| Other operating charges640/8 | €1,580 | €1,380 | €1,029 | €1,593 | €1,482 | ▼ 6.9% |
| Gross operating margin9900 | €3,650 | €2,855 | €9,388 | €4,481 | €5,207 | ▲ 16.2% |
| Operating profit (loss)9901 | €1,727 | €1,382 | €7,969 | €2,499 | €3,427 | ▲ 37.2% |
| Financial income75/76B | €14 | - | €317 | €146 | €137 | ▼ 6.5% |
| Recurring financial income75 | €14 | - | €317 | €146 | €137 | ▼ 6.5% |
| Financial charges65/66B | €1,155 | €1,092 | €1,292 | €986 | €2,219 | ▲ 125% |
| Recurring financial charges65 | €1,155 | €1,092 | €1,292 | €986 | €2,219 | ▲ 125% |
| Profit (loss) for the period before taxes9903 | €586 | €290 | €6,994 | €1,659 | €1,345 | ▼ 18.9% |
| Income taxes67/77 | €278 | €273 | €1,181 | €1,534 | €1,845 | ▲ 20.3% |
| Profit (loss) for the period9904 | €309 | €16 | €5,813 | €125 | -€500 | ▼ 501% |
| Profit (loss) for the period to be appropriated9905 | €309 | €16 | €5,813 | €125 | -€500 | ▼ 501% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €31,830 | €28,429 | €39,376 | €33,475 | €40,281 | ▲ 20.3% |
| Fixed assets21/28 | - | €1,076 | €686 | €297 | - | - |
| Tangible fixed assets22/27 | - | €1,076 | €686 | €297 | - | - |
| Furniture and vehicles24 | - | €1,076 | €686 | €297 | - | - |
| Current assets29/58 | €31,830 | €27,353 | €38,689 | €33,178 | €40,281 | ▲ 21.4% |
| Stocks and contracts in progress3 | €1,608 | - | - | - | - | - |
| Stocks30/36 | €1,608 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €14,382 | €20,081 | €30,624 | €31,896 | €35,541 | ▲ 11.4% |
| Trade receivables40 | €6,213 | €6,646 | €22,877 | €20,340 | €29,946 | ▲ 47.2% |
| Other amounts receivable41 | €8,169 | €13,436 | €7,747 | €11,555 | €5,595 | ▼ 51.6% |
| Current investments50/53 | - | - | - | €613 | - | - |
| Cash at bank and in hand54/58 | €14,177 | €5,999 | €6,738 | - | €3,940 | - |
| Deferred charges and accrued income490/1 | €1,664 | €1,273 | €1,327 | €669 | €801 | ▲ 19.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €31,830 | €28,429 | €39,376 | €33,475 | €40,281 | ▲ 20.3% |
| Equity10/15 | €19,365 | €19,382 | €25,195 | €25,320 | €24,820 | ▼ 2.0% |
| Contributions10/11 | €19,500 | €19,500 | €19,500 | €19,500 | €19,500 | = |
| Reserves13 | €1,170 | €1,170 | €1,170 | €1,170 | €1,170 | = |
| Non-distributable reserves130/1 | €1,170 | €1,170 | - | - | - | - |
| Reserves not available under the articles1311 | €1,170 | €1,170 | - | - | - | - |
| Distributable reserves133 | - | - | €1,170 | €1,170 | €1,170 | = |
| Profit (loss) carried forward14 | -€1,305 | -€1,288 | €4,525 | €4,650 | €4,150 | ▼ 10.8% |
| Amounts payable17/49 | €12,464 | €9,047 | €14,181 | €8,155 | €15,462 | ▲ 89.6% |
| Amounts payable after more than one year17 | €4,430 | €2,129 | - | - | €6,068 | - |
| Financial debts170/4 | €4,430 | €2,129 | - | - | €6,068 | - |
| Amounts payable within one year42/48 | €8,034 | €6,918 | €14,181 | €8,155 | €9,394 | ▲ 15.2% |
| Current portion of amounts payable after more than one year42 | €2,462 | €2,301 | €2,129 | - | €4,961 | - |
| Trade debts44 | €2,850 | €2,367 | €9,051 | €6,280 | €58 | ▼ 99.1% |
| Suppliers440/4 | €2,850 | €2,367 | €9,051 | €6,280 | €58 | ▼ 99.1% |
| Taxes, remuneration and social security45 | €2,264 | €2,250 | €3,000 | €1,875 | €4,375 | ▲ 133% |
| Taxes450/3 | €2,264 | €2,250 | €3,000 | €1,875 | €1,875 | = |
| Remuneration and social security454/9 | - | - | - | - | €2,500 | - |
| Other amounts payable47/48 | €458 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €309 | €16 | €5,813 | €125 | -€500 | ▼ 501% |
| + Depreciation and write-downs630 | €342 | €93 | €390 | €390 | €297 | ▼ 23.8% |
| Operating cash flow (approximation) | €651 | €109 | €6,203 | €514 | -€203 | ▼ 140% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | - | - |
| Change in cash | - | -€8,178 | €739 | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €309
Net result €309 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.96
Current ratio from 1.75 to 3.96; short-term debt falls from €25,077 to €8,034.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Weakest financial yearnet -€13,533
Net result drops to -€13,533, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
31-12
Financial
Highest result since 2018net €7,797 ▲375%
Operating result €13,046, net result €7,797, both a record.
18-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 49 days late
2018
17-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 48 days late
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Braine-le-Comte · 1 establishment unit since 2009
Ground area
733 m²
Building footprint
145 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Edouard Etienne 38, 7090 Braine-le-Comte
since 20092.182.146.345
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55302B0137/00R002 | Wallonia | 572 m² | 1 · 75 m² | - |
| 55004H0248/00N000 | Wallonia | 161 m² | 1 · 69 m² | - |
Linked by address, not proof of ownership
Good to know
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 20,028 companies in sector 43320 we hold annual accounts for 9,135. 6,495 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-10-2009
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
Scores and ratios are computed by Checked and are not a credit decision.