Construct Management Contreras
ActiveConstruct Management Contreras has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €307k and a net result of €35k. Equity is growing by ~41.2% per year across the filed fiscal years. Its solvency ranks better than 38% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-43
Solvency84▼-2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.57 against 3.73 in 2024), but 59.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
40.4%
Return on assets
4.6%
Age of the figures
8 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 · 9 filingsDeviation from the deadline
2025
20 d late
2024
26 d late
2023
1 d late
2022
31 d late
2021
29 d late
2020
90 d late
2019
109 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€307k▲ 12.9%
2024 · €272k
2018: €8k
2019: €54k
2020: €41k
2021: €104k
2022: €149k
2023: €210k
2024: €272k
2018 → 2025
Total assets
€758k▲ 16.5%
2024 · €651k
2018: €45k
2019: €65k
2020: €149k
2021: €480k
2022: €611k
2023: €657k
2024: €651k
2018 → 2025
Net result
€35k▼ 43.2%
2024 · €62k
2018: €22k
2019: €46k
2020: €65k
2021: €63k
2022: €45k
2023: €60k
2024: €62k
2018 → 2025
Working capital
€154k▼ 15.6%
2024 · €183k
2018: €2k
2019: €50k
2020: €38k
2021: €54k
2022: €65k
2023: €123k
2024: €183k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€104k-€149k▲ 43.0%€210k▲ 40.5%€272k▲ 29.5%€307k▲ 12.9%
Operating result€83k-€65k▼ 21.8%€85k▲ 31.1%€87k▲ 2.0%€56k▼ 34.9%
Net result€63k-€45k▼ 28.8%€60k▲ 34.7%€62k▲ 2.4%€35k▼ 43.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €758k
Fixed assets
€506k▲ 26.1%
Current assets
€253k▲ 1.1%
Equity and liabilities €758k
Equity
€307k▲ 12.9%
Debt
€452k▲ 19.0%
The debt ratio rises from 58.3% to 59.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€103k▼
2024 · €128k
Cash flow
€82k▼
2024 · €104k
Solvency
40.4%▼
2024 · 41.7%
Current ratio
2.57▼
2024 · 3.73
Quick ratio
2.57▼
2024 · 3.73
Debt / equity
1.47▲
2024 · 1.40
ROE
11.5%▼
2024 · 22.8%
ROA
4.6%▼
2024 · 9.5%
Interest coverage
17.20▲
2024 · 14.87
Debt
€452k▲
2024 · €379k
Debt ≤ 1 year
€98k▲
2024 · €67k
Debt > 1 year
€353k▲
2024 · €313k
Income taxes
€15k▼
2024 · €16k
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€651k€758k▲
Fixed assets21/28€401k€506k▲
Tangible fixed assets22/27€401k€506k▲
Land and buildings22€368k€483k▲
Plant, machinery and equipment23€29k€20k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€225€225=
Current assets29/58€250k€253k▲
Amounts receivable within one year40/41€228k€213k▼
Trade receivables40€26k€62k▲
Other amounts receivable41€202k€151k▼
Cash at bank and in hand54/58€18k€35k▲
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€651k€758k▲
Equity10/15€272k€307k▲
Contributions10/11€19k€19k=
Reserves13€253k€288k▲
Distributable reserves133€253k€288k▲
Amounts payable17/49€379k€452k▲
Amounts payable after more than one year17€313k€353k▲
Financial debts170/4€313k€353k▲
Amounts payable within one year42/48€67k€98k▲
Current portion of amounts payable after more than one year42€31k€42k▲
Trade debts44€4k€17k▲
Suppliers440/4€4k€17k▲
Taxes, remuneration and social security45€26k€39k▲
Taxes450/3€26k€39k▲
Other amounts payable47/48€6k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€47k▲
Other operating charges640/8€2k€7k▲
Gross operating margin9900€130k€110k▼
Operating profit (loss)9901€87k€56k▼
Financial income75/76B-€225
Recurring financial income75-€225
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Profit (loss) for the period before taxes9903€78k€51k▼
Income taxes67/77€16k€15k▼
Profit (loss) for the period9904€62k€35k▼
Profit (loss) for the period to be appropriated9905€62k€35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€35k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€62k€35k▼
To other reserves6921€62k€35k▼
The notes to these accounts (13 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Equity above €200kEq €210k ▲40.5%
6 profitable years in a row build equity to €210k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Equity above €100kEq €104k ▲153%
4 profitable years in a row build equity to €104k.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
31-12
Financial
Highest result since 2018net €65k ▲42.7%
Net result €65k, the highest in the series.
17-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 109 days late
2019
31-12
Financial
Liquidity times 5current ratio 5.36
Current ratio from 1.05 to 5.36; short-term debt falls from €37k to €11k.
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 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, Frasnes-lez-Anvaing · 1 establishment unit since 2017
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 d' Ainières(AW) 157910 Frasnes-lez-AnvaingGround area
1,814 m²
Building footprint
158 m²
Volume, LiDAR
742 m³
Parcel 51003C0495/00T000, Wallonia · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Construct Management Contreras
since 20172.263.811.734
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51003C0495/00T000 | Wallonia | 1,814 m² | 1 · 158 m² | 6.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 37,902 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
43410Roofing work
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.