Construction Hainaut Est
ActiveSummary
The computed 12-month bankruptcy probability of Construction Hainaut Est is 1.8% (moderate). The 2025 annual accounts show equity of €62k and a net result of €12k. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 49% of 18280 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
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
Profitability77▲+11
Solvency58=
Growth52=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 2.02 in 2024; short-term debt: 58.4% and cash: 14.5% of total assets), but 66.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
33.5%
Return on assets
6.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
21 d late
2024
61 d late
2023
30 d late
2022
53 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k▲ 24.7%
2024 · €50k
2022: €30k
2023: €40k
2024: €50k
2022 → 2025
Total assets
€185k▲ 22.0%
2024 · €152k
2022: €83k
2023: €212k
2024: €152k
2022 → 2025
Net result
€12k▲ 26.3%
2024 · €10k
2022: €27k
2023: €10k
2024: €10k
2022 → 2025
Working capital
€74k▼ 2.8%
2024 · €76k
2022: €28k
2023: €25k
2024: €76k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€30k-€40k▲ 34.8%€50k▲ 24.3%€62k▲ 24.7%
Operating result€36k-€18k▼ 50.7%€22k▲ 27.4%€18k▼ 21.7%
Net result€27k-€10k▼ 61.3%€10k▼ 6.0%€12k▲ 26.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€3k ▲ 156%
Current assets
€182k ▲ 21.0%
Equity and liabilities €185k
Equity
€62k ▲ 24.7%
Debt
€123k ▲ 20.6%
Debt's share of the balance-sheet total falls from 67.2% to 66.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▼
2024 · €23k
Cash flow
€13k▲
2024 · €10k
Current ratio
1.68▼
2024 · 2.02
Quick ratio
1.61▼
2024 · 2.02
Debt to equity
1.99▼
2024 · 2.05
ROE
19.8%▲
2024 · 19.5%
ROA
6.6%▲
2024 · 6.4%
Interest coverage
10.21▲
2024 · 4.71
Debt ≤ 1 year
€108k▲
2024 · €75k
Debt > 1 year
€15k▼
2024 · €28k
Income taxes
€3k▼
2024 · €8k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€152k€185k▲
Fixed assets21/28€1k€3k▲
Tangible fixed assets22/27€672€2k▲
Plant, machinery and equipment23€69€2k▲
Furniture and vehicles24€603€0▼
Financial fixed assets28€455€455=
Current assets29/58€151k€182k▲
Stocks and contracts in progress3-€8k
Stocks30/36-€8k
Amounts receivable within one year40/41€106k€147k▲
Trade receivables40€92k€127k▲
Other amounts receivable41€14k€20k▲
Cash at bank and in hand54/58€8k€27k▲
Deferred charges and accrued income490/1€37k€796▼
Equity and liabilities
Total equity and liabilities10/49€152k€185k▲
Equity10/15€50k€62k▲
Contributions10/11€3k€3k=
Reserves13€20k€20k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€27k€39k▲
Amounts payable17/49€102k€123k▲
Amounts payable after more than one year17€28k€15k▼
Financial debts170/4€28k-
Other amounts payable178/9-€15k
Amounts payable within one year42/48€75k€108k▲
Current portion of amounts payable after more than one year42€10k-
Financial debts43-€0
Credit institutions430/8-€0
Trade debts44€52k€48k▼
Suppliers440/4€52k€48k▼
Advances received on contracts in progress46-€29k
Taxes, remuneration and social security45€13k€12k▼
Taxes450/3€12k€11k▼
Remuneration and social security454/9€393€593▲
Other amounts payable47/48-€20k
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€197k€290k▲
Remuneration, social security and pensions62€970-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€724€1k▲
Other operating charges640/8€3k€897▼
Non-recurring operating charges66A€51k€250▼
Gross operating margin9900€78k€20k▼
Operating profit (loss)9901€22k€18k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€5k€2k▼
Recurring financial charges65€5k€2k▼
Profit (loss) for the period before taxes9903€17k€16k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€10k€12k▲
Profit (loss) for the period to be appropriated9905€10k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€39k▲
Profit (loss) brought forward from the previous period14P€27k€27k=
Transfer to equity691/2€10k-
To other reserves6921€10k-
The notes to these accounts (6 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €10k ▼6%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Charleroi · 1 establishment unit since 2021
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.
Chaussée de Bruxelles 756040 CharleroiGround area
453 m²
Building footprint
82 m²
Volume, LiDAR
417 m³
Parcel 52363D0510/00Y002, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Construction Hainaut Est
since 20212.319.448.657
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52363D0510/00Y002 | Wallonia | 453 m² | 1 · 82 m² | 8.4 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.
Recognitions · licences · registrations
Recognised contractor
18 categoriesConstruction Hainaut Est SRL45380
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Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 3,432 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
Founded06-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
41003General construction of other non-residential buildings
43110Demolition
43910Bricklaying and masonry work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:sebastien.meurant@construction-hainaut-est.be