Age5 yrs
Real estate1 parcel · 4,538 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of CONSTRUCT3D is 1.9% (moderate). The 2024 annual accounts show negative equity (€-3k) and a net result of €-4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 209 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.9%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+Lower-failure-rate sector
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 22 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-07-2025, 4 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 27-07-2025 | 4 d early | 2025-00345158 |
| 31-12-2023 | 31-07-2024 | 12-08-2024 | 12 d late | 2024-00346348 |
| 31-12-2022 | 31-07-2023 | 08-07-2023 | 23 d early | 2023-00226343 |
| 31-12-2021 | 31-07-2022 | 14-07-2022 | 17 d early | 2022-20191687 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-4k+70.7%
Working capital€-94k-542.3%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 27-07-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile
Too volatile to project: the yearly deviation from the trend is ~96% of the level (threshold 35%). We therefore deliberately show no projection line.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 18 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -2.6% | 49.3% | |
| Net result | €-4k | €8k | |
| Equity | €-3k | €25k | |
| Gross operating margin | €-6k | €22k | |
| Total assets | €126k | €66k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P18
Weakening position over 2021-2024
· n=100-209
P19
Stable position over 2021-2024
· n=100-208
P15
Weakening position over 2021-2024
· n=100-209
P9
Stable position over 2021-2024
· n=100-206
Describes the position versus peers, not a forecast.
€-6k
-
21-24
€-4k
+70.7%
21-24
€1k
-
21-24
€126k
+1668.2%
21-24
€-3k
+79.7%
21-24
€-94k
-542.3%
21-24
€129k
+457.3%
21-24
€127k
+485.7%
21-24
Show 7 other metrics
0.26
-20.0%
21-24
0.26
-20.0%
21-24
-2.6%
+98.9%
21-24
-39.72
-2651.4%
21-24
131.5%
+44.5%
21-24
-3.4%
+98.3%
21-24
-157.56
-
21-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-6k |
| Net profit | €-4k |
| Cash flow | €1k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €126k |
| Equity | €-3k |
| Debt | €129k |
| of which ≤ 1y | €127k |
| of which > 1y | - |
| Working capital | €-94k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.26 |
| Quick ratio | 0.26 |
| Working capital ratio | -75.0% |
| Solvency | -2.6% |
| Debt / equity | -39.72 |
| Long-term debt ratio | - |
| Interest coverage | -157.56 |
| Gross margin | - |
| Net margin | - |
| ROA | -3.4% |
| ROE | 131.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €126k |
| Fixed assets | 21/28 | €92k |
| Intangible fixed assets | 21 | €92k |
| Current assets | 29/58 | €33k |
| Amounts receivable within one year | 40/41 | €28k |
| Cash & bank | 54/58 | €5k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €126k |
| Equity | 10/15 | €-3k |
| Contributions / capital | 10/11 | €15k |
| Accumulated profits (losses) | 14 | €-35k |
| Amounts payable | 17/49 | €129k |
| Amounts payable within one year | 42/48 | €127k |
| Trade debts payable within one year | 44 | €82k |
| Income statement | ||
| Gross operating margin | 9900 | €-6k |
| Operating result | 9901 | €-12k |
| Financial income | 75 | €8k |
| Financial charges | 65 | €41 |
| Result before taxes | 9903 | €-4k |
| Net result for the period | 9904 | €-4k |
| Result to be appropriated | 9905 | €-4k |
This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed18
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationConstruct3D
since 20212.315.593.403
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area4,538 m²
Buildings1
Building footprint500 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45024C0631/00D000 | Flanders | 4,538 m² | 1 · 500 m² | - |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts Capital history · 2
16-04-2026
Capital increase: type: bijkomende inbreng in geld zonder uitgifte van nieuwe aandelen, amount: 50000, account: beschikbare eigen vermogensrekening, currency: EUR
16-04-2026
Capital decrease: amount: 50000, method: zonder vernietiging van bestaande aandelen, reason: ter aanzuivering van geleden verliezen, currency: EUR
All acts · 2
updated 4 months ago
2026
16-04-2026 Act object · Notarial deed · Capital increase · Share distribution
- Act object: STATUTEN (VERTALING, COORDINATIE, OVERIGE WIJZIGINGEN), DIVERSEN · CONSTRUCT3D
- Notarial deed: 2026-04-09 · CONSTRUCT3D
- Filing: 2026-04-14 · CONSTRUCT3D
- Publication: 2026-04-16 · CONSTRUCT3D
- Capital increase: type: bijkomende inbreng in geld zonder uitgifte van nieuwe aandelen, amount: 50000, account: beschikbare eigen vermogensrekening, currency: EUR · CONSTRUCT3D
- Share distribution: amount: 20000, currency: EUR · STICHTING ADMINISTRATIEKANTOOR HAMCC
- Share distribution: amount: 10000, currency: EUR · VANDER VELPEN Kristiaan
- Share distribution: amount: 10000, currency: EUR · VANDER VELPEN Dieter
- Share distribution: amount: 10000, currency: EUR · NOTEBAERT Stijn
- Capital decrease: amount: 50000, method: zonder vernietiging van bestaande aandelen, reason: ter aanzuivering van geleden verliezen, currency: EUR · CONSTRUCT3D
- Power of attorney: scope: de nodige formaliteiten te vervullen voor de inschrijving en/of wijziging van de vennootschap bij de B.T. W.-administratie, de Kruispuntbank voor Ondernemingen en het ondernemingsloket · Everaert Stijn
Summary:
Act object · Notarial deed · Capital increase · Share distributionNotary:
Wim Van Damme
2021
09-03-2021 Incorporation of a new BV
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured61
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
18
Profitability
100
Solvency
33
Growth
58
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 159 of the 2,876 companies in this sector. 105 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Prepress- en premediadiensten18130
Primary activity highlighted.
Names & trade names
| Legal nameNL | CONSTRUCT3D |
Registered office
Rozenhoek 6 bus a
9660 Brakel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.