CONSTRUCTO

Active

Public limited companyfounded 1978active for 48 yearsMolenweg 90, 2830 Willebroek, BelgiumKBO/BCE: BE 0418.157.003

Summary

CONSTRUCTO has been active since 1978 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.2m and a net result of €9,361. Equity is shrinking by about 6.9% per year across the filed financial years. Its solvency ranks better than 52% of 1,025 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisFollow Report Compare

CONSTRUCTOActiveChecked score 84/100

Risk analysis Report Compare

Activity

General construction of residential buildings

NACE 41001

6th largest company by total assets in Willebroek, Construction sector1 site

Size

€3.4mtotal assets 2025

Staff: 4.6 FTE
Equity: €1.2m
Profit: €9,361

Financial health

84 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.3%

Structure

Parent: IMMO - SCHUMAN · 100%

2025 accounts 39 days early10 deeds in the Belgian Official Gazette

Why 84raises riskSector: Construction of residential and non-residential buildings (NACE 41)Liquidity: current ratio 1.61, cash €197,750lowers riskSize: 4.6 FTE, total assets €3.4mFounded in 1978Show the evidence

Checked score

Score 2025

84 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 33% of its sector peers (NACE 41, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 60-7

equity 34.8% of total assets

Liquidity 25-2

short-term debt 61.4% · cash 5.9%

Profitability 52-19

return on assets 0.3%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,431 companies, NACE 41, micro)

Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025lowest value 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.4%▲ +0.3 percentage points vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026highest value 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.3%▼ -0.1 percentage points vs 06-2026 08-2026: 0.3%● unchanged vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026

Credit of up to €95,000 on 30-day terms is acceptable

Liquidity ample (current ratio 1.61, compared with 1.87 in 2024, above the usual 1.5; short-term debt: 61.4% and cash: 5.9% of total assets), but 65.2% 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 42% on solvency, 21% on liquidity, 30% on profitability and 38% on growth.

The bankruptcy probability was computed on 24-10-2026 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).

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Signals

Five signals.

lowers riskraises riskneutral

Sector: Construction of residential and non-residential buildings (NACE 41)

KBO

Size: 4.6 FTE, total assets €3.4m

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Liquidity: current ratio 1.61, cash €197,750

NBB · annual accounts

Founded in 1978

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-06-2026, 39 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

39 days early

2024

21 days early

2023

47 days early

2022

66 days early

2021

31 days late

2020

27 days late

2019

27 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 13 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)

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 22 June (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

25-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

22-06-2026 Annual accounts filedfinancial year 2025 · full…
31-12-2025 Weakest financial yearnet €9,361 ▼81.8%
10-07-2025 Annual accounts filedfinancial year 2024 · abbreviated…

Key points

Positive: 6th largest company by total assets in Willebroek, Construction sectorin the Checked rankings No. 6 View
Positive: 8 profitable years in a rowprofit 2025: €9,361 8 years View
Controlled by IMMO - SCHUMAN 100% View
Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View
Active since 1978founded 13-02-1978 48 years View

By topic

Financials

Financial year: 2025
Total assets: €3.4m
Profit: €9,361
Solvency: 34.8%

Total assets▲ 21.8%

Net result

20182025

Go to Financials

Board & ownership

Parent: IMMO - SCHUMAN · 100%

Go to Board & ownership

Timeline

Events: 50
Since: 1980
Next accounts: by 31-07-2027

14-06-2024Annual accounts filed
26-05-2023Annual accounts filed
31-12-2022Highest result from 2018 to 2025

Go to Timeline

Company details

Sites: 1

Legal form: Public limited company
Activity: General construction of residential buildingsNACE 41001
Founded: 13-02-1978
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about CONSTRUCTO

What is the company number of CONSTRUCTO?: 0418.157.003. In Belgium the VAT number is the company number with BE in front: BE 0418.157.003.
Where is CONSTRUCTO based?: The registered office is at Molenweg 90, 2830 Willebroek.Company details
What does CONSTRUCTO do?: According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of CONSTRUCTO?: Public limited company (NV).
When was CONSTRUCTO founded?: On 13-02-1978.
Is CONSTRUCTO still active?: Yes, CONSTRUCTO is an active enterprise in the KBO register.
How many employees does CONSTRUCTO have?: On average 4.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of CONSTRUCTO?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is CONSTRUCTO profitable?: In financial year 2025, CONSTRUCTO made a profit of €9,361.
Where can I find the annual accounts of CONSTRUCTO?: CONSTRUCTO filed 47 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CONSTRUCTO due?: By 31-07-2027, for financial year 2026.Timeline