Construct2BE
ActiveSummary
Construct2BE has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €198k and a net result of €-18k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 87% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-47
Solvency100▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 5.0 against 3.14 in 2024; short-term debt: 14.1% and cash: 1% of total assets), and 17.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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
Sector 43
higher
← 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
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
25 d early
2023
30 d early
2022
32 d early
2021
40 d early
2020
32 d early
2019
37 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€198k▼ 8.2%
2024 · €216k
2018: €57k
2019: €91k
2020: €108k
2021: €154k
2022: €172k
2023: €201k
2024: €216k
2018 → 2025
Total assets
€241k▼ 17.1%
2024 · €291k
2018: €339k
2019: €337k
2020: €424k
2021: €392k
2022: €339k
2023: €244k
2024: €291k
2018 → 2025
Net result
€-18k
2024 · €15k
2018: €34k
2019: €33k
2020: €17k
2021: €46k
2022: €19k
2023: €29k
2024: €15k
2018 → 2025
Working capital
€136k▲ 9.0%
2024 · €125k
2018: €-72k
2019: €-69k
2020: €-95k
2021: €-85k
2022: €64k
2023: €140k
2024: €125k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€154k-€172k▲ 12.1%€201k▲ 16.6%€216k▲ 7.6%€198k▼ 8.2%
Operating result€71k-€30k▼ 58.3%€43k▲ 45.6%€22k▼ 49.5%€-16k
Net result€46k-€19k▼ 59.5%€29k▲ 53.7%€15k▼ 46.9%€-18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €16k after €22k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241k
Fixed assets
€71k ▼ 34.0%
Current assets
€170k ▼ 7.1%
Equity and liabilities €241k
Equity
€198k ▼ 8.2%
Debt
€43k ▼ 42.8%
Debt's share of the balance-sheet total falls from 25.6% to 17.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6k▼
2024 · €44k
Cash flow
€4k▼
2024 · €37k
Current ratio
5.00▲
2024 · 3.14
Debt to equity
0.21▼
2024 · 0.34
ROE
-8.9%▼
2024 · 7.0%
ROA
-7.3%▼
2024 · 5.2%
Interest coverage
2.18▼
2024 · 26.67
Debt ≤ 1 year
€34k▼
2024 · €58k
Debt > 1 year
€9k▼
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€291k€241k▼
Fixed assets21/28€107k€71k▼
Tangible fixed assets22/27€107k€71k▼
Land and buildings22€34k€17k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€39k€26k▼
Other tangible fixed assets26€32k€27k▼
Financial fixed assets28€90€90=
Current assets29/58€183k€170k▼
Amounts receivable within one year40/41€62k€167k▲
Trade receivables40€7k€71k▲
Other amounts receivable41€55k€96k▲
Cash at bank and in hand54/58€121k€2k▼
Deferred charges and accrued income490/1€306€831▲
Equity and liabilities
Total equity and liabilities10/49€291k€241k▼
Equity10/15€216k€198k▼
Contributions10/11€12k€12k=
Reserves13€203k€201k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€201k€201k=
Profit (loss) carried forward14€960€-15k▼
Amounts payable17/49€75k€43k▼
Amounts payable after more than one year17€16k€9k▼
Financial debts170/4€16k€9k▼
Amounts payable within one year42/48€58k€34k▼
Current portion of amounts payable after more than one year42-€8k
Financial debts43€7k-
Credit institutions430/8€7k-
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€24k€10k▼
Taxes450/3€21k€10k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€23k€13k▼
Income statement
Code20242025
Non-recurring operating income76A-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€21k▼
Other operating charges640/8€958€4k▲
Gross operating margin9900€45k€10k▼
Operating profit (loss)9901€22k€-16k▼
Financial income75/76B€1k€505▼
Recurring financial income75€1k€505▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€21k€-18k▼
Income taxes67/77€6k-
Profit (loss) for the period9904€15k€-18k▼
Profit (loss) for the period to be appropriated9905€15k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€-17k▼
Profit (loss) brought forward from the previous period14P€777€960▲
Transfer from equity791/2-€2k
Transfer to equity691/2€15k-
To other reserves6921€15k-
The notes to these accounts (8 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series.
06-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 4.22
Current ratio from 1.71 to 4.22; short-term debt falls from €91k to €43k.
31-12
Financial
Equity above €200kEq €201k ▲16.6%
6 profitable years in a row build equity to €201k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 5current ratio 1.71
Current ratio from 0.37 to 1.71; short-term debt falls from €136k to €91k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €46k ▲170%
Operating result €71k, net result €46k, both a record.
31-12
Financial
Equity above €150kEq €154k ▲42.7%
4 profitable years in a row build equity to €154k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
31-12
Financial
Equity above €100kEq €108k ▲18.8%
3 profitable years in a row build equity to €108k.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Lochristi · 1 establishment unit since 2011
Ground area
659 m²
Building footprint
142 m²
Volume, LiDAR
793 m³
Parcel 44034C0140/00V000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Construct2BE
since 20112.203.118.537
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034C0140/00V000 | Flanders | 659 m² | 1 · 142 m² | 8.2 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.
Similar companies · same sector, comparable size
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CHAP-YT
BE 0835.274.027
Brecht · Eq €197,602
SMETS BUILDING COMPANY
BE 0864.097.873
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WoVa
BE 0692.803.890
Herzele · Eq €200,767
Of 1,365 companies in sector 43110 we hold annual accounts for 635. 493 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2011
Fiscal year end31-12
Activities, NACEBEL 2025
43110Demolition
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.