Constructa
ActiveConstructa has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €12k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 30% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+12
Solvency54▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.62 against 0.45 in 2024; short-term debt: 28.7% and cash: 2.6% of total assets), and 70.9% 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○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 · 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
29.1%
Return on assets
5.5%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
5 d early
2023
7 d early
2022
3 d early
2021
8 d early
2020
14 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€61k▲ 23.3%
2024 · €49k
2018: €20k
2019: €26k
2020: €27k
2021: €29k
2022: €37k
2023: €44k
2024: €49k
2018 → 2025
Total assets
€210k▲ 0.9%
2024 · €208k
2018: €113k
2019: €103k
2020: €84k
2021: €203k
2022: €197k
2023: €208k
2024: €208k
2018 → 2025
Net result
€12k▲ 80.8%
2024 · €6k
2018: €3k
2019: €6k
2020: €786
2021: €2k
2022: €9k
2023: €7k
2024: €6k
2018 → 2025
Working capital
€-23k▲ 32.7%
2024 · €-34k
2018: €-70k
2019: €-62k
2020: €-46k
2021: €-42k
2022: €-41k
2023: €-43k
2024: €-34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€37k▲ 29.6%€44k▲ 17.3%€49k▲ 12.7%€61k▲ 23.3%
Operating result€6k-€15k▲ 171%€14k▼ 6.4%€15k▲ 3.0%€22k▲ 50.6%
Net result€2k-€9k▲ 411%€7k▼ 15.0%€6k▼ 12.2%€12k▲ 80.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 51% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210k
Fixed assets
€172k▼ 4.8%
Current assets
€38k▲ 38.8%
Equity and liabilities €210k
Equity
€61k▲ 23.3%
Debt
€149k▼ 6.2%
The debt ratio falls from 76.2% to 70.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€31k▲
2024 · €24k
Cash flow
€20k▲
2024 · €15k
Solvency
29.1%▲
2024 · 23.8%
Current ratio
0.62▲
2024 · 0.45
Quick ratio
0.62▲
2024 · 0.45
Debt / equity
2.44▼
2024 · 3.20
ROE
18.9%▲
2024 · 12.9%
ROA
5.5%▲
2024 · 3.1%
Interest coverage
6.57▲
2024 · 4.95
Debt
€149k▼
2024 · €158k
Debt ≤ 1 year
€60k▼
2024 · €61k
Debt > 1 year
€84k▼
2024 · €92k
Income taxes
€6k▲
2024 · €4k
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€208k€210k▲
Fixed assets21/28€181k€172k▼
Tangible fixed assets22/27€181k€172k▼
Land and buildings22€180k€172k▼
Plant, machinery and equipment23€121€55▼
Furniture and vehicles24€601€332▼
Current assets29/58€27k€38k▲
Amounts receivable within one year40/41€13k€16k▲
Trade receivables40€12k€16k▲
Other amounts receivable41€457€267▼
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1€10k€16k▲
Equity and liabilities
Total equity and liabilities10/49€208k€210k▲
Equity10/15€49k€61k▲
Contributions10/11€19k€19k=
Reserves13€23k€34k▲
Distributable reserves133€23k€34k▲
Profit (loss) carried forward14€8k€8k=
Amounts payable17/49€158k€149k▼
Amounts payable after more than one year17€92k€84k▼
Financial debts170/4€92k€84k▼
Amounts payable within one year42/48€61k€60k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k€1k▼
Other amounts payable47/48€43k€46k▲
Accrued charges and deferred income492/3€6k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€27k€35k▲
Operating profit (loss)9901€15k€22k▲
Financial income75/76B€1€1▲
Recurring financial income75€1€1▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€10k€18k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€6k€12k▲
Profit (loss) for the period to be appropriated9905€6k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€20k▲
Profit (loss) brought forward from the previous period14P€9k€8k▼
Transfer to equity691/2€6k€12k▲
To other reserves6921€6k€12k▲
Profit to be distributed694/7€800-
Return on contributions (dividend)694€800-
The notes to these accounts (5 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €12k ▲80.8%
Operating result €22k, net result €12k, both a record.
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €786 ▼87.8%
Net result drops to €786, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-04
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
3 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, Knokke-Heist · 1 establishment unit since 1998
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.
Jozef Mommenstraat 18300 Knokke-HeistGround area
201 m²
Building footprint
137 m²
Volume, LiDAR
2,594 m³
Parcel 31334B0800/00_000, Flanders · tallest building 22.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
CONSTRUCTA CVA
since 19982.085.964.313
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31334B0800/00_000 | Flanders | 201 m² | 1 · 137 m² | 22.2 m · 6 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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VALGABA
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 39,075 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-1998
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.