CONSTRUCTA
ActiveCONSTRUCTA has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €673k and a net result of €4k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 93% of 2149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▼-2
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 7.72 against 10.52 in 2024), and 11.2% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
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
88.8%
Return on assets
0.6%
Age of the figures
8 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
30 d early
2023
14 d early
2022
41 d early
2021
41 d early
2020
43 d early
2019
25 d early
← 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, abbreviated schema
Equity
€673k▼ 1.9%
2024 · €687k
2018: €606k
2019: €624k
2020: €641k
2021: €655k
2022: €671k
2023: €680k
2024: €687k
2018 → 2025
Total assets
€758k▲ 0.7%
2024 · €752k
2018: €799k
2019: €820k
2020: €848k
2021: €872k
2022: €888k
2023: €741k
2024: €752k
2018 → 2025
Net result
€4k▼ 33.2%
2024 · €6k
2018: €7k
2019: €17k
2020: €18k
2021: €14k
2022: €16k
2023: €9k
2024: €6k
2018 → 2025
Working capital
€569k▼ 1.3%
2024 · €577k
2018: €519k
2019: €543k
2020: €567k
2021: €579k
2022: €594k
2023: €572k
2024: €577k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€655k-€671k▲ 2.5%€680k▲ 1.3%€687k▲ 0.9%€673k▼ 1.9%
Operating result€27k-€21k▼ 24.0%€15k▼ 25.4%€9k▼ 40.0%€7k▼ 27.2%
Net result€14k-€16k▲ 20.6%€9k▼ 45.5%€6k▼ 28.7%€4k▼ 33.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 27% 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
€104k▼ 9.5%
Current assets
€654k▲ 2.6%
Equity and liabilities €758k
Equity
€673k▼ 1.9%
Debt
€85k▲ 28.5%
The debt ratio rises from 8.8% to 11.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€25k▼
2024 · €27k
Cash flow
€23k▼
2024 · €24k
Solvency
88.8%▼
2024 · 91.2%
Current ratio
7.72▼
2024 · 10.52
Quick ratio
7.29▼
2024 · 9.89
Debt / equity
0.13▲
2024 · 0.10
ROE
0.6%▼
2024 · 0.9%
ROA
0.6%▼
2024 · 0.9%
Interest coverage
8.58▼
2024 · 10.90
Debt
€85k▲
2024 · €66k
Debt ≤ 1 year
€85k▲
2024 · €61k
Income taxes
€1k▼
2024 · €2k
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€752k€758k▲
Fixed assets21/28€115k€104k▼
Tangible fixed assets22/27€113k€102k▼
Land and buildings22€85k€80k▼
Plant, machinery and equipment23€24k€19k▼
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€2k€2k=
Current assets29/58€638k€654k▲
Stocks and contracts in progress3€38k€37k▼
Stocks30/36€38k€37k▼
Amounts receivable within one year40/41€377k€376k=
Trade receivables40€373k€371k▼
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€220k€237k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€752k€758k▲
Equity10/15€687k€673k▼
Contributions10/11€19k€19k=
Reserves13€71k€58k▼
Distributable reserves133€71k€58k▼
Profit (loss) carried forward14€597k€597k=
Amounts payable17/49€66k€85k▲
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€61k€85k▲
Current portion of amounts payable after more than one year42€13k€5k▼
Trade debts44€778€734▼
Suppliers440/4€778€734▼
Taxes, remuneration and social security45€14k€17k▲
Taxes450/3€14k€15k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€33k€62k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€19k▲
Other operating charges640/8€1k€640▼
Gross operating margin9900€28k€26k▼
Operating profit (loss)9901€9k€7k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€9k€6k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€6k€4k▼
Profit (loss) for the period to be appropriated9905€6k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€603k€601k▼
Profit (loss) brought forward from the previous period14P€597k€597k=
Transfer from equity791/2-€18k
Transfer to equity691/2€6k€4k▼
To other reserves6921€6k€4k▼
Profit to be distributed694/7-€18k
Return on contributions (dividend)694-€18k
The notes to these accounts (12 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €4k ▼33.2%
Net result drops to €4k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity triplescurrent ratio 14.38
Current ratio from 4.18 to 14.38; short-term debt falls from €187k to €43k.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €18k ▲2.7%
Net result €18k, the highest in the series.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Olen · 1 establishment unit since 1999
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.
Oosterwijkseweg 62250 OlenGround area
1,467 m²
Building footprint
418 m²
Volume, LiDAR
2,184 m³
Parcel 13029G0374/00L002, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CONSTRUCTA
since 19992.060.297.420
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13029G0374/00L002 | Flanders | 1,467 m² | 1 · 418 m² | 10.8 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
G&G WORKS
BE 0751.865.707
Tienen · Eq €673k
ACO - BOUWTEAM
BE 0450.435.336
Sint-Laureins · Eq €673k
BOUWWERKEN DE BUCK
BE 0834.650.257
Kaprijke · Eq €674k
A.B.M. Phoenix
BE 0798.269.517
Schaarbeek · Eq €673k
BLANC NUAGE
BE 0472.408.509
Brussel · Eq €674k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,868. 7,970 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-06-1992
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
47750Retail sale of cosmetics and toilet articles
47789Other retail sale of new goods
52498
Sources
Crossroads Bank for EnterprisesNational Bank · 33 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.