CONSTRUCTRA
ActiveThe computed 12-month bankruptcy probability of CONSTRUCTRA is 1.9% (moderate). The 2025 annual accounts show equity of €28k and a net result of €8k. Equity is growing by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 61% of 7311 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +45 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency96▲+5
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.95 against 1.8 in 2024), and 45.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 41
Relative position
BE, all sectors
reference
Sector 41
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
54.4%
Return on assets
14.7%
Age of the figures
8 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 26-08-2026, 26 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 · 6 filingsDeviation from the deadline
2025
26 d late
2024
39 d late
2023
7 d late
2022
51 d late
2021
30 d late
2020
30 d late
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▲ 36.9%
2024 · €20k
2020: €15k
2021: €19k
2022: €4k
2023: €14k
2024: €20k
2020 → 2025
Total assets
€51k▲ 29.8%
2024 · €40k
2020: €17k
2021: €29k
2022: €21k
2023: €27k
2024: €40k
2020 → 2025
Net result
€8k
2024 · €-5k
2020: €5k
2021: €4k
2022: €-15k
2023: €10k
2024: €-5k
2020 → 2025
Working capital
€22k▲ 45.9%
2024 · €15k
2020: €15k
2021: €18k
2022: €10k
2023: €17k
2024: €15k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€4k▼ 77.2%€14k▲ 227%€20k▲ 43.2%€28k▲ 36.9%
Operating result€5k-€-14k€11k€-4k€12k
Net result€4k-€-15k€10k€-5k€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €4k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51k
Fixed assets
€6k▲ 9.9%
Current assets
€46k▲ 32.8%
Equity and liabilities €51k
Equity
€28k▲ 36.9%
Debt
€23k▲ 22.3%
The debt ratio falls from 48.4% to 45.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€15k▲
2024 · €-2k
Cash flow
€11k▲
2024 · €-2k
Solvency
54.4%▲
2024 · 51.6%
Current ratio
1.95▲
2024 · 1.80
Quick ratio
1.95▲
2024 · 1.80
Debt / equity
0.84▼
2024 · 0.94
ROE
27.0%▲
2024 · -24.5%
ROA
14.7%▲
2024 · -12.6%
Interest coverage
14.52▲
2024 · -2.23
Debt
€23k▲
2024 · €19k
Debt ≤ 1 year
€23k▲
2024 · €19k
Income taxes
€4k
Staff costs
€3k▲
2024 · €129
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€40k€51k▲
Fixed assets21/28€5k€6k▲
Tangible fixed assets22/27€5k€6k▲
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€612€588▼
Financial fixed assets28€60-
Current assets29/58€34k€46k▲
Amounts receivable within one year40/41€14k€35k▲
Trade receivables40€8k€3k▼
Other amounts receivable41€5k€32k▲
Cash at bank and in hand54/58€14k€10k▼
Deferred charges and accrued income490/1€6k-
Equity and liabilities
Total equity and liabilities10/49€40k€51k▲
Equity10/15€20k€28k▲
Contributions10/11€10k€10k=
Reserves13€9k€17k▲
Distributable reserves133€9k€17k▲
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€19k€23k▲
Amounts payable within one year42/48€19k€23k▲
Current portion of amounts payable after more than one year42€3k-
Trade debts44-€8k
Suppliers440/4-€8k
Taxes, remuneration and social security45-€6k
Taxes450/3-€5k
Remuneration and social security454/9-€526
Other amounts payable47/48€16k€10k▼
Income statement
Code20242025
Remuneration, social security and pensions62€129€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€8k€12k▲
Gross operating margin9900€6k€30k▲
Operating profit (loss)9901€-4k€12k▲
Financial income75/76B€22€371▲
Recurring financial income75€22€371▲
Financial charges65/66B€749€1k▲
Recurring financial charges65€749€1k▲
Profit (loss) for the period before taxes9903€-5k€11k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€-5k€8k▲
Profit (loss) for the period to be appropriated9905€-5k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€9k▲
Profit (loss) brought forward from the previous period14P€6k€1k▼
Transfer to equity691/2-€8k
To other reserves6921-€8k
The notes to these accounts (8 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
08-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 39 days late
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
2022
31-12
Financial
Weakest financial yearnet €-15k ▼482%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
05-08-2024
Resigned as Director
Location & real-estate footprint
Registered office, Brugelette · 1 establishment unit since 2019
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.
Rue d'Hembise(A) 57941 BrugeletteGround area
1,068 m²
Building footprint
267 m²
Parcel 51005B0282/00B000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CONSTRUCTRA
since 20192.295.038.311
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51005B0282/00B000 | Wallonia | 1,068 m² | 1 · 267 m² | - |
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.
Similar companies · same sector, comparable size
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PERREMAN EN ZOON
BE 1014.647.417
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Toon Hendrickx
BE 1000.612.903
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Monoliet
BE 0736.788.640
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Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 12,148 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
68121Development of residential building projects
43211General electrical installation work
43221Plumbing work
43240Other construction installation
43299Specialised construction activities
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.