Skip to content

Constructio

Active
Private limited companyfounded 2021active for 5 yearsHouwaartstraat(LIN) 9, 3210 Lubbeek, BelgiumKBO/BCE: BE 0760.805.642
Summary

The computed 12-month bankruptcy probability of Constructio is 6.0% (elevated). The 2025 annual accounts show equity of €88,510 and a net result of €4,995. Equity is growing by about 94% per year across the filed financial years. Its solvency ranks better than 23% of 9,057 sector peers (NACE 41, financial year 2025). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
General construction of residential buildings
NACE 41001
2 sites
Size
€537,847total assets 2025
Equity
€88,510
Profit
€4,995
Turnover not published (micro format)
Financial health
35 Weak Checked score 2025
Bankruptcy probabilitywithin 12 months
6.0%
Structure
Accounts filed 56 days late0 of 1 deed read
Why 35raises riskSector: Construction of residential and non-residential buildings (NACE 41)Latest accounts 56 days late; 2 of the last 3 lateLiquidity: current ratio 1.50, cash €1,663, halvedFounded in 2021Show the evidence

Checked score

Score 2025
35 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 27% of its sector peers (NACE 41, micro)
Financial strength · tick = 2024
Weak
Solvency 41-59
equity 16.5% of total assets
Liquidity 18-75
short-term debt 61.3% · cash 0.3%
Profitability 39-61
return on assets 0.9%
Bankruptcy probability, 12 months
6.0% Elevated
0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,400 companies, NACE 41, micro)
Last 24 months 11-2024: 2.9% 12-2024: 2.9%● unchanged vs 11-2024 01-2025: 2.8%▼ -0.1 percentage points vs 12-2024 02-2025: 2.9%▲ +0.1 percentage points vs 01-2025 03-2025: 2.9%● unchanged vs 02-2025 04-2025: 3.0%▲ +0.1 percentage points vs 03-2025 05-2025: 3.3%▲ +0.3 percentage points vs 04-2025 06-2025: 3.4%▲ +0.1 percentage points vs 05-2025 07-2025: 3.6%▲ +0.2 percentage points vs 06-2025 08-2025: 4.1%▲ +0.5 percentage points vs 07-2025 09-2025: 4.3%▲ +0.2 percentage points vs 08-2025 10-2025: 1.1%▼ -3.2 percentage points vs 09-2025 11-2025: 1.1%● unchanged vs 10-2025 12-2025: 1.1%● unchanged vs 11-2025 01-2026: 1.0%▼ -0.1 percentage points vs 12-2025 02-2026: 1.0%● unchanged vs 01-2026 03-2026: 0.9%▼ -0.1 percentage points vs 02-2026 04-2026: 0.9%● unchanged vs 03-2026lowest value 05-2026: 1.0%▲ +0.1 percentage points vs 04-2026 06-2026: 1.0%● unchanged vs 05-2026 07-2026: 1.0%● unchanged vs 06-2026 08-2026: 1.5%▲ +0.5 percentage points vs 07-2026 09-2026: 1.7%▲ +0.2 percentage points vs 08-2026 10-2026: 6.0%▲ +4.3 percentage points vs 09-2026highest value
Credit of up to €3,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity tight (current ratio 1.5, compared with 3.15 in 2024, below the usual 1.5; short-term debt: 61.3% and cash: 0.3% of total assets), and 83.5% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 23% on solvency, 15% on liquidity, 23% on profitability and 48% on growth.

The bankruptcy probability was computed on 13-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.
raises riskneutral
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Latest accounts 56 days late; 2 of the last 3 late
NBB · filings
raises risk · Liquidity: current ratio 1.50, cash €1,663, halved
NBB · annual accounts
raises risk · Founded in 2021
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 9057 sector peers (2025).
NBB · sector comparison
Position among 9057 sector peers
Solvency
better than 23%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-09-2026, 56 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filings
Deviation from the deadline
2025
56 days late
2024
31 days late
2023
30 days early
2022
70 days early
2021
1 day early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 3 days before the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 July (4 of the last 5 filed years within 57 days of that day).
Companies Code · seven months
Where today falls in the filing period
14-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Among the largest 12% on total assetssector median €125,673 · 9,057 companies €537,847 View
  • Positive: 5 profitable years in a rowprofit 2025: €4,995 5 years View
  • Total assets 20255 financial years filed €537,847 View

By topic

Financials

Financial year
2025
Total assets
€537,847
Profit
€4,995
Solvency
16.5%
Total assets▲ 441%
Net result
20212025
Go to Financials

Timeline

Events
7
Since
2022
Next accounts
by 31-07-2027
  1. 31-12-2023Highest result from 2021 to 2025
  2. 31-12-2023Liquidity more than quadruples
  3. 22-05-2023Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
05-01-2021
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.