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Construmatt

Active
Private limited companyfounded 20232 yrs activeSingel 21, 2640 Mortsel, BelgiumKBO/BCE: BE 1000.788.194
Summary

Construmatt has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €98,421 and a net result of €50,354. Equity is growing by ~93.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 32629 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

What they do
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
How big
€146,113total assets 2025
Equity
€98,421
Profit
€50,354
Turnover not published (abridged schema)
Financially healthy?
91 Excellent Checked score 2025
Bankruptcy chance 12 m
0.4%
Who decides
Accounts 127 d early0 of 2 deeds read
Why 91- Young company+ Lower-failure-rate sector+ Annual accounts: healthy financial profileLatest accounts filed on timeShow the evidence

Checked score

Score 2025
Axes · tick = 2024
Profitability100=
Solvency92▲+7
Growth78=
Track record82
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.86 against 2.52 in 2024; short-term debt: 32.6% and cash: 82.9% of total assets), and 32.6% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
67.4%
Return on assets
34.5%
Age of the figures
9 mo
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 26-03-2026, 127 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
127 d early
2024
42 d early
2023
54 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 74 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

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. Usually files around 8 June (3 of the last 3 filed years within 74 days of that day).
Companies Code · seven months
Position in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
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 2025 · micro…
  2. Highest result since 2023net €50,354 ▲28.8%
  3. Annual accounts filedfiscal year 2024 · micro…

Financials

Fiscal year 2025Total assets €146,113Profit €50,354Solvency 67.4%Liquidity 2.86
Total assets
€146,113▲ 83.3%
2023 - 2025
Net result
€50,354▲ 28.8%
2023 - 2025
Equity
€98,421▲ 105%
2023 - 2025
Solvency
67.4%▲ 7.1pp
2023 - 2025

Financials · fiscal year 2025, micro schema

Trend over the years3 fiscal years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Operating result€8,768-€49,371▲ 463%€63,364▲ 28.3%
Net result€6,957within the sector's middle half-€39,110within the sector's middle half▲ 462%€50,354within the sector's middle half▲ 28.8%
Equity€8,957below the sector's middle half-€48,067within the sector's middle half▲ 437%€98,421within the sector's middle half▲ 105%
Total assets€22,024below the sector's middle half-€79,715within the sector's middle half▲ 262%€146,113within the sector's middle half▲ 83.3%
Debt€13,067-€31,649▲ 142%€47,692▲ 50.7%
Working capital€8,957within the sector's middle half-€48,067within the sector's middle half▲ 437%€88,502within the sector's middle half▲ 84.1%
Solvency40.7%within the sector's middle half-60.3%within the sector's middle half▲ 19.6pp67.4%within the sector's middle half▲ 7.1pp
Current ratio1.69within the sector's middle half-2.52within the sector's middle half▲ 0.832.86within the sector's middle half▲ 0.34
Return on assets (ROA)31.6%above the sector's middle half-49.1%above the sector's middle half▲ 17.5pp34.5%above the sector's middle half▼ 14.6pp
above within below the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet2025
Result per fiscal year
Operating resultNet result
€0€20,000€40,000€60,000Operating result 2023: €8,768€8,768Net result 2023: €6,957€6,957Operating result 2024: €49,371€49,371Net result 2024: €39,110€39,110Operating result 2025: €63,364€63,364Net result 2025: €50,354€50,354202320242025€0€20,000€40,000€60,000Operating result 2023: €8,768€8,770Net result 2023: €6,957€6,960Operating result 2024: €49,371€49,400Net result 2024: €39,110€39,100Operating result 2025: €63,364€63,400Net result 2025: €50,354€50,400202320242025
The operating result has risen two years in a row; 2025 is 28% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €146,113
Fixed assets €9,919
Current assets €136,194
Equity and liabilities €146,113
Equity €98,421 ▲ 105%
Debt €47,692 ▲ 50.7%
Debt's share of the balance-sheet total falls from 39.7% to 32.6%. Equity and debt are higher.
Key figures and ratios2025
Key figures and ratios
2025 value · change against 2024
EBITDA
€64,964
Cash flow
€51,954
Debt to equity
0.48▼
2024 · 0.66
ROE
51.2%▼
2024 · 81.4%
Interest coverage
984.30
Debt ≤ 1 year
€47,692▲
2024 · €31,649
Income taxes
€12,944▲
2024 · €10,193
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Filed annual accountsfiscal year 2025
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet Code20242025
Assets
Total assets20/58€79,715€146,113▲
Fixed assets21/28-€9,919
Tangible fixed assets22/27-€9,919
Furniture and vehicles24-€4,941
Other tangible fixed assets26-€4,978
Current assets29/58€79,715€136,194▲
Amounts receivable within one year40/41€10,981€14,217▲
Trade receivables40€10,981€12,856▲
Other amounts receivable41-€1,361
Cash at bank and in hand54/58€68,353€121,093▲
Deferred charges and accrued income490/1€382€884▲
Equity and liabilities
Total equity and liabilities10/49€79,715€146,113▲
Equity10/15€48,067€98,421▲
Contributions10/11€2,000€2,000=
Reserves13€46,067€96,421▲
Distributable reserves133€46,067€96,421▲
Amounts payable17/49€31,649€47,692▲
Amounts payable within one year42/48€31,649€47,692▲
Trade debts44€3,268€3,490▲
Suppliers440/4€3,268€3,490▲
Taxes, remuneration and social security45€20,331€36,152▲
Taxes450/3€20,331€34,067▲
Remuneration and social security454/9-€2,085
Other amounts payable47/48€8,050€8,050=
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€1,600
Other operating charges640/8€193€120▼
Gross operating margin9900€49,564€65,084▲
Operating profit (loss)9901€49,371€63,364▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€67€66▼
Recurring financial charges65€67€66▼
Profit (loss) for the period before taxes9903€49,303€63,298▲
Income taxes67/77€10,193€12,944▲
Profit (loss) for the period9904€39,110€50,354▲
Profit (loss) for the period to be appropriated9905€39,110€50,354▲
Appropriation of the result
Profit (loss) to be appropriated9906€39,110€50,354▲
Transfer to equity691/2€39,110€50,354▲
To other reserves6921€39,110€50,354▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630--€1,600-
Other operating charges640/8-€193€120▼ 37.8%
Gross operating margin9900€8,768€49,564€65,084▲ 31.3%
Operating profit (loss)9901€8,768€49,371€63,364▲ 28.3%
Financial income75/76B€2€0--
Recurring financial income75€2€0--
Financial charges65/66B€15€67€66▼ 1.8%
Recurring financial charges65€15€67€66▼ 1.8%
Profit (loss) for the period before taxes9903€8,754€49,303€63,298▲ 28.4%
Income taxes67/77€1,798€10,193€12,944▲ 27.0%
Profit (loss) for the period9904€6,957€39,110€50,354▲ 28.8%
Profit (loss) for the period to be appropriated9905€6,957€39,110€50,354▲ 28.8%
Line202320242025Change
Assets
Total assets20/58€22,024€79,715€146,113▲ 83.3%
Fixed assets21/28--€9,919-
Tangible fixed assets22/27--€9,919-
Furniture and vehicles24--€4,941-
Other tangible fixed assets26--€4,978-
Current assets29/58€22,024€79,715€136,194▲ 70.9%
Amounts receivable within one year40/41€8,800€10,981€14,217▲ 29.5%
Trade receivables40€8,800€10,981€12,856▲ 17.1%
Other amounts receivable41--€1,361-
Cash at bank and in hand54/58€13,224€68,353€121,093▲ 77.2%
Deferred charges and accrued income490/1-€382€884▲ 132%
Equity and liabilities
Total equity and liabilities10/49€22,024€79,715€146,113▲ 83.3%
Equity10/15€8,957€48,067€98,421▲ 105%
Contributions10/11€2,000€2,000€2,000=
Reserves13€6,957€46,067€96,421▲ 109%
Distributable reserves133€6,957€46,067€96,421▲ 109%
Amounts payable17/49€13,067€31,649€47,692▲ 50.7%
Amounts payable within one year42/48€13,067€31,649€47,692▲ 50.7%
Trade debts44-€3,268€3,490▲ 6.8%
Suppliers440/4-€3,268€3,490▲ 6.8%
Taxes, remuneration and social security45€5,017€20,331€36,152▲ 77.8%
Taxes450/3€5,017€20,331€34,067▲ 67.6%
Remuneration and social security454/9--€2,085-
Other amounts payable47/48€8,050€8,050€8,050=
Line202320242025Change
Profit (loss) for the period9904€6,957€39,110€50,354▲ 28.8%
+ Depreciation and write-downs630--€1,600-
Operating cash flow (approximation)€6,957€39,110€51,954▲ 32.8%
Change in cash-€55,129€52,740▼ 4.3%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Comparable companies5

Similar companies · same sector, comparable size

Of 82,687 companies in this sector we hold annual accounts for 52,635. 40,601 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Timeline

4 eventsLatest 26-03-2026Next filing 31-07-2027

History

On 5 October 2023, Construmatt was incorporated as a Private limited company.1 Total assets went from €22,024 in 2023 to €146,113 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

Acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
26-03
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Highest result since 2023net €50,354 ▲28.8%
Operating result €63,364, net result €50,354, both a record.
19-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
07-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
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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Company details

Private limited company · founded 05-10-2023Year ends 31-12Peppol reachable1 site

Register details

Identification
Legal formPrivate limited company
Founded05-10-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Contact
E-mail henry.nelen@gmail.comMortsel
E-invoicing
Reachable via Peppol
Peppol ID 0208:1000788194
Also 9925:BE1000788194
Registered 24-09-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Sites & property

Location & real-estate footprint
Registered office, Mortsel · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
286 m²
Building footprint
82 m²
Volume, LiDAR
581 m³
Parcel 11513C0159/00F007, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Construmatt
Singel 21, 2640 MortselComputing infrastructure, data processing, hosting and other information service activities
since 2023unit no. 2.350.897.047
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11513C0159/00F007 Flanders 285 m² 1 · 82 m² 10.3 m · 3 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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