CONSTRUITOIT.MARLIER
ActiveSummary
The computed 12-month bankruptcy probability of CONSTRUITOIT.MARLIER is 2.2% (moderate). The 2025 annual accounts show equity of €6k and a net result of €59k. Equity is shrinking by ~27.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 10% of 27965 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability93▼-7
Solvency27▲+1
Growth32▼-26
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.27 against 0.69 in 2024; short-term debt: 83% and cash: 1.6% of total assets), and 97.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
2.1%
Return on assets
19.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 27965 sector peers (2025).
NBB · sector comparisonPosition among 27965 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
4 d early
2024
29 d late
2023
30 d late
2022
10 d late
2021
9 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k=
2024 · €6k
2021: €146k
2022: €172k▲ +17.2% vs 2021
2023: €345k▲ +101% vs 2022highest in 5 years
2024: €6k▼ -98.2% vs 2023lowest in 5 years
2025: €6k● 0.0% vs 2024lowest in 5 years
2021 → 2025
Total assets
€300k▼ 51.8%
2024 · €622k
2021: €381k
2022: €331k▼ -13.0% vs 2021
2023: €569k▲ +71.8% vs 2022
2024: €622k▲ +9.2% vs 2023highest in 5 years
2025: €300k▼ -51.8% vs 2024lowest in 5 years
2021 → 2025
Net result
€59k▼ 63.1%
2024 · €160k
2021: €140k
2022: €25k▼ -82.1% vs 2021lowest in 5 years
2023: €173k▲ +590% vs 2022highest in 5 years
2024: €160k▼ -7.7% vs 2023
2025: €59k▼ -63.1% vs 2024
2021 → 2025
Working capital
€-182k▼ 9.1%
2024 · €-167k
2021: €21k
2022: €42k▲ +106% vs 2021
2023: €179k▲ +324% vs 2022highest in 5 years
2024: €-167k▼ -193% vs 2023
2025: €-182k▼ -9.1% vs 2024lowest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€146k-€172k▲ 17.2%€345k▲ 101%€6k▼ 98.2%€6k=
2021: €146k
2022: €172k▲ +17.2% vs 2021
2023: €345k▲ +101% vs 2022highest in 5 years
2024: €6k▼ -98.2% vs 2023lowest in 5 years
2025: €6k● 0.0% vs 2024lowest in 5 years
Operating result€172k-€36k▼ 79.0%€226k▲ 524%€204k▼ 9.9%€86k▼ 57.9%
2021: €172k
2022: €36k▼ -79.0% vs 2021lowest in 5 years
2023: €226k▲ +524% vs 2022highest in 5 years
2024: €204k▼ -9.9% vs 2023
2025: €86k▼ -57.9% vs 2024
Net result€140k-€25k▼ 82.1%€173k▲ 590%€160k▼ 7.7%€59k▼ 63.1%
2021: €140k
2022: €25k▼ -82.1% vs 2021lowest in 5 years
2023: €173k▲ +590% vs 2022highest in 5 years
2024: €160k▼ -7.7% vs 2023
2025: €59k▼ -63.1% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €300k
Fixed assets
€234k ▼ 8.8%
Current assets
€66k ▼ 81.9%
Equity and liabilities €300k
Equity
€6k =
Debt
€294k ▼ 52.3%
Debt's share of the balance-sheet total falls from 99.0% to 97.9%. Debt is lower.
Key figures and ratios
EBITDA
€135k▼
2024 · €250k
Cash flow
€109k▼
2024 · €207k
Current ratio
0.27▼
2024 · 0.69
Debt to equity
47.35▼
2024 · 99.25
ROE
951.7%
ROA
19.7%▼
2024 · 25.7%
Interest coverage
121.49▼
2024 · 197.11
Debt ≤ 1 year
€249k▼
2024 · €533k
Debt > 1 year
€37k▼
2024 · €82k
Income taxes
€26k▼
2024 · €46k
Staff costs
€155k▼
2024 · €165k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€622k€300k▼
Fixed assets21/28€256k€234k▼
Tangible fixed assets22/27€256k€234k▼
Plant, machinery and equipment23€22k€42k▲
Furniture and vehicles24€50k€34k▼
Leasing and similar rights25€184k€158k▼
Current assets29/58€366k€66k▼
Amounts receivable within one year40/41€164k€58k▼
Trade receivables40€94k€56k▼
Other amounts receivable41€70k€2k▼
Cash at bank and in hand54/58€195k€5k▼
Deferred charges and accrued income490/1€6k€3k▼
Equity and liabilities
Total equity and liabilities10/49€622k€300k▼
Equity10/15€6k€6k=
Contributions10/11€6k€6k=
Amounts payable17/49€615k€294k▼
Amounts payable after more than one year17€82k€37k▼
Financial debts170/4€82k€37k▼
Amounts payable within one year42/48€533k€249k▼
Current portion of amounts payable after more than one year42€44k€36k▼
Financial debts43€40k€24k▼
Credit institutions430/8€40k€24k▼
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€135k€15k▼
Taxes450/3€132k€15k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€311k€169k▼
Accrued charges and deferred income492/3€676€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€165k€155k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€50k▲
Other operating charges640/8€777€14k▲
Gross operating margin9900€416k€304k▼
Operating profit (loss)9901€204k€86k▼
Financial income75/76B€4k-
Recurring financial income75€4k-
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€206k€85k▼
Income taxes67/77€46k€26k▼
Profit (loss) for the period9904€160k€59k▼
Profit (loss) for the period to be appropriated9905€160k€59k▼
Appropriation of the result
Profit (loss) to be appropriated9906€499k€59k▼
Profit (loss) brought forward from the previous period14P€339k-
Profit to be distributed694/7€499k€59k▼
Return on contributions (dividend)694€499k€59k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €127k | €140k | €174k | €165k | €155k | ▼ 6.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €29k | €36k | €47k | €50k | ▲ 5.9% |
| Other operating charges640/8 | €2k | €496 | €976 | €777 | €14k | ▲ 1,663% |
| Gross operating margin9900 | €307k | €206k | €438k | €416k | €304k | ▼ 27.1% |
| Operating profit (loss)9901 | €172k | €36k | €226k | €204k | €86k | ▼ 57.9% |
| Financial income75/76B | €2 | €1 | €185 | €4k | - | - |
| Recurring financial income75 | €2 | €1 | €185 | €4k | - | - |
| Financial charges65/66B | €270 | €531 | €662 | €1k | €1k | ▼ 12.4% |
| Recurring financial charges65 | €270 | €531 | €662 | €1k | €1k | ▼ 12.4% |
| Profit (loss) for the period before taxes9903 | €172k | €36k | €225k | €206k | €85k | ▼ 59.0% |
| Income taxes67/77 | €32k | €11k | €52k | €46k | €26k | ▼ 44.5% |
| Profit (loss) for the period9904 | €140k | €25k | €173k | €160k | €59k | ▼ 63.1% |
| Profit (loss) for the period to be appropriated9905 | €140k | €25k | €173k | €160k | €59k | ▼ 63.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €381k | €331k | €569k | €622k | €300k | ▼ 51.8% |
| Fixed assets21/28 | €226k | €202k | €266k | €256k | €234k | ▼ 8.8% |
| Tangible fixed assets22/27 | €226k | €202k | €266k | €256k | €234k | ▼ 8.8% |
| Plant, machinery and equipment23 | €19k | €19k | €25k | €22k | €42k | ▲ 87.1% |
| Furniture and vehicles24 | €28k | €22k | €32k | €50k | €34k | ▼ 33.0% |
| Leasing and similar rights25 | €179k | €161k | €209k | €184k | €158k | ▼ 13.7% |
| Current assets29/58 | €155k | €130k | €304k | €366k | €66k | ▼ 81.9% |
| Amounts receivable within one year40/41 | €30k | €49k | €135k | €164k | €58k | ▼ 64.4% |
| Trade receivables40 | €3k | €14k | €45k | €94k | €56k | ▼ 39.7% |
| Other amounts receivable41 | €27k | €35k | €91k | €70k | €2k | ▼ 97.4% |
| Cash at bank and in hand54/58 | €125k | €80k | €168k | €195k | €5k | ▼ 97.5% |
| Deferred charges and accrued income490/1 | €87 | €87 | €343 | €6k | €3k | ▼ 52.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €381k | €331k | €569k | €622k | €300k | ▼ 51.8% |
| Equity10/15 | €146k | €172k | €345k | €6k | €6k | = |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Profit (loss) carried forward14 | €140k | €165k | €339k | - | - | - |
| Amounts payable17/49 | €234k | €160k | €225k | €615k | €294k | ▼ 52.3% |
| Amounts payable after more than one year17 | €100k | €73k | €100k | €82k | €37k | ▼ 54.9% |
| Financial debts170/4 | €100k | €73k | €100k | €82k | €37k | ▼ 54.9% |
| Amounts payable within one year42/48 | €134k | €87k | €125k | €533k | €249k | ▼ 53.3% |
| Current portion of amounts payable after more than one year42 | €49k | €46k | €46k | €44k | €36k | ▼ 19.1% |
| Financial debts43 | - | - | - | €40k | €24k | ▼ 39.4% |
| Credit institutions430/8 | - | - | - | €40k | €24k | ▼ 39.4% |
| Trade debts44 | €52k | €22k | €26k | €3k | €4k | ▲ 30.5% |
| Suppliers440/4 | €49k | €22k | €26k | €3k | €4k | ▲ 30.5% |
| Bills of exchange payable441 | €3k | - | - | - | - | - |
| Taxes, remuneration and social security45 | €32k | €18k | €53k | €135k | €15k | ▼ 88.7% |
| Taxes450/3 | €32k | €17k | €52k | €132k | €15k | ▼ 88.5% |
| Remuneration and social security454/9 | - | €1k | €1k | €3k | - | - |
| Other amounts payable47/48 | €2k | €1k | - | €311k | €169k | ▼ 45.5% |
| Accrued charges and deferred income492/3 | - | - | - | €676 | €8k | ▲ 1,083% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €140k | €25k | €173k | €160k | €59k | ▼ 63.1% |
| + Depreciation and write-downs630 | €5k | €29k | €36k | €47k | €50k | ▲ 5.9% |
| Operating cash flow (approximation) | €146k | €54k | €210k | €207k | €109k | ▼ 47.5% |
| Investment in fixed assets (approximation) | - | €-5k | €-100k | €-37k | €-27k | ▲ 27.2% |
| Change in cash | - | €-44k | €88k | €27k | €-190k | ▼ 802% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2021net €173k ▲590%
Operating result €226k, net result €173k, both a record.
31-12
Financial
Equity above €200kEq €345k ▲101%
3 profitable years in a row build equity to €345k.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
31-12
Financial
Weakest financial yearnet €25k ▼82.1%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €172k ▲17.2%
2 profitable years in a row build equity to €172k.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Bernissart · 1 establishment unit since 2020
Ground area
871 m²
Building footprint
168 m²
Volume, LiDAR
1,151 m³
Parcel 51009A0099/00X000, Wallonia · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CONSTRUITOIT.MARLIER
since 20202.309.660.169
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51009A0099/00X000 | Wallonia | 871 m² | 1 · 168 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 8,566 companies in sector 43410 we hold annual accounts for 4,363. 1,698 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
41003General construction of other non-residential buildings
43110Demolition
43331Floor and wall tiling
43990Other specialised construction activities
Contact
E-mail
martialflammia@yahoo.fr
Phone
+32476052398
Scores and ratios are computed by Checked and are not a credit decision.