Construct Experts
ActiveSummary
The computed 12-month bankruptcy probability of Construct Experts is 1.5% (moderate). The 2025 annual accounts show equity of €30,648 and a net result of €27,648. Its solvency ranks better than 83% of 28051 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 3.57; short-term debt: 22.1% and cash: 0% of total assets), and 22.1% 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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
77.9%
Return on assets
70.3%
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 20-08-2026, 20 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 · 1 filingDeviation from the deadline
2025
20 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark Roughly what is this company worth?Value indication
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Financials · fiscal year 2025, micro schema
Equity
€30,648
Total assets
€39,334
Net result
€27,648
Working capital
€22,310
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €38,642
Fixed assets
€7,646
Current assets
€30,996
Equity and liabilities €39,334
Equity
€30,648
Debt
€8,686
Debt finances 22.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€35,108
Cash flow
€28,384
Current ratio
3.57
Debt to equity
0.28
ROE
90.2%
ROA
70.3%
Interest coverage
702.16
Debt ≤ 1 year
€8,686
Income taxes
€6,914
Annual accounts
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €736 |
| Other operating charges640/8 | €523 |
| Gross operating margin9900 | €35,631 |
| Operating profit (loss)9901 | €34,372 |
| Financial income75/76B | €240 |
| Recurring financial income75 | €240 |
| Financial charges65/66B | €50 |
| Recurring financial charges65 | €50 |
| Profit (loss) for the period before taxes9903 | €34,562 |
| Income taxes67/77 | €6,914 |
| Profit (loss) for the period9904 | €27,648 |
| Profit (loss) for the period to be appropriated9905 | €27,648 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €39,334 | |
| Formation expenses20 | €692 | |
| Fixed assets21/28 | €7,646 | |
| Tangible fixed assets22/27 | €7,646 | |
| Furniture and vehicles24 | €6,570 | |
| Leasing and similar rights25 | €1,076 | |
| Current assets29/58 | €30,996 | |
| Amounts receivable within one year40/41 | €30,237 | |
| Trade receivables40 | €7,407 | |
| Other amounts receivable41 | €22,830 | |
| Cash at bank and in hand54/58 | €3 | |
| Deferred charges and accrued income490/1 | €756 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €39,334 | |
| Equity10/15 | €30,648 | |
| Contributions10/11 | €3,000 | |
| Profit (loss) carried forward14 | €27,648 | |
| Amounts payable17/49 | €8,686 | |
| Amounts payable within one year42/48 | €8,686 | |
| Trade debts44 | €1,772 | |
| Suppliers440/4 | €1,772 | |
| Taxes, remuneration and social security45 | €6,914 | |
| Taxes450/3 | €6,914 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €27,648 |
| + Depreciation and write-downs630 | €736 |
| Operating cash flow (approximation) | €28,384 |
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
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Namur
Ground area
381 m²
Building footprint
83 m²
Volume, LiDAR
926 m³
Parcel 92302G0559/00D008, Wallonia · tallest building 17.7 m, ±4 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302G0559/00D008 | Wallonia | 381 m² | 1 · 83 m² | 17.7 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
QUIQUE-GODIN-JAMART
BE 0459.540.666
Liège · Eq €30,549
MATRINA
BE 1008.787.924
Sint-Pieters-Leeuw · Eq €30,764
ANESTA BELGIUM
BE 0893.545.885
Kontich · Eq €30,504
TUBO PROJECTS
BE 0533.906.410
Anzegem · Eq €30,491
AVANTGARDE
BE 0721.990.103
Gent · Eq €30,819
Of 7,299 companies in sector 43350 we hold annual accounts for 2,360. 1,918 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
Founded13-03-2025
Fiscal year end31-12
Activities, NACEBEL 2025
43350Other building finishing work
81220Other building cleaning and industrial cleaning
Scores and ratios are computed by Checked and are not a credit decision.