Construvite Interiors
ActiveConstruvite Interiors has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €55k and a net result of €-4k. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 67% of 9981 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
70
/ 100
Healthy▼ -23 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-79
Solvency98=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.02 against 2.54 in 2023), and 41.4% of the assets are financed with debt.
Credit advice 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 · 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
58.6%
Return on assets
-4.7%
Age of the figures
20 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 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 filingsDeviation from the deadline
2025
not confirmed
2024
55 d late
2023
27 d late
2022
3 d early
2021
25 d late
2020
30 d early
2019
49 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€55k▼ 7.5%
2023 · €59k
2018: €29k
2019: €36k
2020: €32k
2021: €36k
2022: €50k
2023: €59k
2018 → 2024
Total assets
€93k▼ 5.0%
2023 · €98k
2018: €83k
2019: €63k
2020: €70k
2021: €92k
2022: €84k
2023: €98k
2018 → 2024
Net result
€-4k
2023 · €9k
2018: €5k
2019: €7k
2020: €-4k
2021: €4k
2022: €14k
2023: €9k
2018 → 2024
Working capital
€34k▼ 20.6%
2023 · €43k
2018: €16k
2019: €25k
2020: €24k
2021: €30k
2022: €31k
2023: €43k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€32k-€36k▲ 12.0%€50k▲ 39.1%€59k▲ 18.6%€55k▼ 7.5%
Operating result€-1k-€8k€22k▲ 174%€13k▼ 41.0%€-3k
Net result€-4k-€4k€14k▲ 264%€9k▼ 33.8%€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €3k after €13k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €93k
Fixed assets
€42k▲ 54.4%
Current assets
€51k▼ 28.0%
Equity and liabilities €93k
Equity
€55k▼ 7.5%
Debt
€39k▼ 1.3%
The debt ratio rises from 39.9% to 41.4%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€10k▼
2023 · €24k
Cash flow
€8k▼
2023 · €20k
Solvency
58.6%▼
2023 · 60.1%
Current ratio
3.02▲
2023 · 2.54
Quick ratio
3.02▲
2023 · 2.54
Debt / equity
0.71▲
2023 · 0.66
ROE
-8.1%▼
2023 · 15.7%
ROA
-4.7%▼
2023 · 9.4%
Interest coverage
5.63▼
2023 · 22.01
Debt
€39k▼
2023 · €39k
Debt ≤ 1 year
€17k▼
2023 · €28k
Debt > 1 year
€22k▲
2023 · €11k
Income taxes
€192▼
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€98k€93k▼
Fixed assets21/28€27k€42k▲
Tangible fixed assets22/27€27k€42k▲
Plant, machinery and equipment23€180-
Furniture and vehicles24€27k€42k▲
Financial fixed assets28€50€50=
Current assets29/58€71k€51k▼
Amounts receivable within one year40/41€44k€41k▼
Trade receivables40€37k€34k▼
Other amounts receivable41€6k€7k▲
Cash at bank and in hand54/58€27k€10k▼
Deferred charges and accrued income490/1€566€318▼
Equity and liabilities
Total equity and liabilities10/49€98k€93k▼
Equity10/15€59k€55k▼
Profit (loss) carried forward14€59k€55k▼
Amounts payable17/49€39k€39k▼
Amounts payable after more than one year17€11k€22k▲
Financial debts170/4€11k€22k▲
Amounts payable within one year42/48€28k€17k▼
Current portion of amounts payable after more than one year42€5k€9k▲
Trade debts44€17k€6k▼
Suppliers440/4€17k€6k▼
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€6k€2k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€13k▲
Other operating charges640/8€1k€830▼
Gross operating margin9900€26k€11k▼
Operating profit (loss)9901€13k€-3k▼
Financial income75/76B€1k€144▼
Recurring financial income75€1k€144▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€14k€-4k▼
Income taxes67/77€4k€192▼
Profit (loss) for the period9904€9k€-4k▼
Profit (loss) for the period to be appropriated9905€9k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€55k▼
Profit (loss) brought forward from the previous period14P€50k€59k▲
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
2026
01-09
State Gazette act
General meeting · Registered-office moveGeneral meeting · Registered-office move2 facts ▸
State Gazette act
General meeting · Registered-office move
General meeting · Registered-office move2 facts ▸
- General meeting, 2026-08-18
- Registered-office move, Rue du cura 37, 1400 Nivelles
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
31-12
Financial
Weakest financial yearnet €-4k ▼148%
Net result drops to €-4k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €14k ▲264%
Operating result €22k, net result €14k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
02-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 63 days late
2018
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 66 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 59 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Nivelles · 1 establishment unit since 2012
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 du Cura 371400 NivellesGround area
79 m²
Building footprint
90 m²
Volume, LiDAR
1,126 m³
Parcel 25782C0208/00X005, Wallonia · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Cura 37, 1400 Nivelles
since 20122.220.219.934
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782C0208/00X005 | Wallonia | 79 m² | 1 · 90 m² | 14.2 m · 4 fl. |
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.
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L.2.D. BATI
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SBJ HOME
BE 0792.858.697
Asse · Eq €55k
JL Houdart
BE 0755.393.438
Mons · Eq €55k
RICCI
BE 0444.307.609
Sint-Pieters-Woluwe · Eq €55k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 12,973 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-09-2012
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.