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CONSTRUCTOITURES

Active
Private limited companyfounded 198937 yrs activeRue de l'Aurzière, Nismes 6, 5670 Viroinval, BelgiumKBO/BCE: BE 0436.985.196
Summary

The computed 12-month bankruptcy probability of CONSTRUCTOITURES is 6.3% (elevated). The annual accounts of CONSTRUCTOITURES for fiscal year 2024 show a net loss of 59% of the equity at the start of that year. The 2024 annual accounts show equity of €158,082 and a net result of -€229,233. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 15% of 3556 sector peers (fiscal year 2024). The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
CONSTRUCTOITURESActiveChecked score 33/100
Risk analysis ReportCompare

Overview

Activity
Roofing work
NACE 43410Bricklaying and masonry work NACE 43910NACE 45220
#2 company by staff growth in the province of Namur, Construction sector1 site
Size
€1.2mtotal assets 2024
Staff
22.4 FTE
Equity
€158,082
Loss
-€229,233
Financial health
33 Weak Checked score 2024
Bankruptcy chance 12 m
6.3%
Structure
Accounts 64 d overdue0 of 4 deeds read
Why 33- Equity €158,082 (13.0% of total assets)- Loss of €229,233 (FY 2024)- Size: 22.4 FTE, total assets €1.2m- Liquidity: current ratio 0.86, cash €40,737Show the evidence

Checked score

Score 2024
33 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 8% of its sector peers (NACE 43, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Weak
Solvency 38-12
equity 13.0% of total assets
Liquidity 20-5
short-term debt 64.6% · cash 3.3%
Profitability 0-48
return on assets -18.8%
Bankruptcy probability, 12 months
6.3% Elevated
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.3% (2,633 companies)
Last 24 months 11-2024: 1.9% 12-2024: 1.9%● 0.0% vs 11-2024 01-2025: 1.9%▲ +1.6% vs 12-2024 02-2025: 1.9%● 0.0% vs 01-2025 03-2025: 1.9%▼ -2.4% vs 02-2025 04-2025: 1.9%▲ +0.4% vs 03-2025 05-2025: 1.9%▲ +0.5% vs 04-2025 06-2025: 1.9%▼ -2.9% vs 05-2025lowest value 07-2025: 2.1%▲ +11.6% vs 06-2025 08-2025: 2.9%▲ +42.8% vs 07-2025 09-2025: 3.4%▲ +14.6% vs 08-2025 10-2025: 6.1%▲ +81.1% vs 09-2025 11-2025: 6.1%● 0.0% vs 10-2025 12-2025: 6.1%● 0.0% vs 11-2025 01-2026: 6.1%▼ -0.4% vs 12-2025 02-2026: 6.2%▲ +1.2% vs 01-2026 03-2026: 6.1%▼ -1.8% vs 02-2026 04-2026: 6.1%▼ -0.2% vs 03-2026 05-2026: 5.8%▼ -3.4% vs 04-2026 06-2026: 5.7%▼ -2.3% vs 05-2026 07-2026: 5.8%▲ +1.8% vs 06-2026 08-2026: 6.2%▲ +5.9% vs 07-2026 09-2026: 6.2%▼ -0.1% vs 08-2026 10-2026: 6.3%▲ +2.1% vs 09-2026highest value
  • Equity €158,082 (13.0% of total assets) raises the probability
  • Loss of €229,233 (FY 2024) raises the probability
  • Size: 22.4 FTE, total assets €1.2m raises the probability for this profile
  • Liquidity: current ratio 0.86, cash €40,737 raises the probability
Credit up to €5,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.86 against 1.17 in 2023; short-term debt: 64.6% and cash: 3.3% of total assets), and 87% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, small). Better than this share of them on solvency 13%, liquidity 11%, profitability 2%, growth against the median 4%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Equity €158,082 (13.0% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Loss of €229,233 (FY 2024)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Size: 22.4 FTE, total assets €1.2m
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.86, cash €40,737
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 3556 sector peers (2024).
NBB · sector comparison
Position among 3556 sector peers
Solvency
better than 15%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 10 filings
Deviation from the deadline
2025
not confirmed
2024
60 d late
2023
68 d late
2022
24 d late
2021
97 d late
2020
106 d late
2019
31 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 64 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · full…
  2. Weakest financial yearnet -€229,233
  3. Annual accounts filedfiscal year 2023 · full…

Key points

  • Caution: From profit to loss in 2024after €17,495 in 2023 -€229,233 View
  • Caution: Among the weakest 5% on net resultsector median €29,027 · 3,555 companies -€229,233 View
  • Caution: Accounts not fileddeadline was 31-07-2026 64 d late View

By topic

Financials

Fiscal year
2024
Total assets
€1.2m
Loss
-€229,233
Solvency
13.0%
Total assets▼ 21.3%
Net result
20182024
Go to Financials

Timeline

Events
13
Since
2016
  1. 29-09-2025Annual accounts filed
  2. 31-12-2024Weakest financial year
  3. 07-10-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Roofing workNACE 43410
Founded
10-03-1989
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check

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