CRISTIANO CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of CRISTIANO CONSTRUCT is 1.9% (moderate). The 2025 annual accounts show equity of €97k and a net result of €14k. Equity is growing by ~32.4% per year across the filed fiscal years. Its solvency ranks better than 63% 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
Profitability63▼-36
Solvency84▼-16
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.39 against 6.45 in 2024; short-term debt: 23% and cash: 7% of total assets), and 41.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
58.8%
Return on assets
8.7%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 01-04-2026, 29 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
29 d early
2024
1 d early
2023
on the day
2022
2 d early
2021
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▲ 17.3%
2024 · €82k
2021: €24klowest in 5 years
2022: €28k▲ +15.6% vs 2021
2023: €59k▲ +114% vs 2022
2024: €82k▲ +39.4% vs 2023
2025: €97k▲ +17.3% vs 2024highest in 5 years
2021 → 2025
Total assets
€165k▲ 69.6%
2024 · €97k
2021: €83klowest in 5 years
2022: €112k▲ +35.6% vs 2021
2023: €125k▲ +11.5% vs 2022
2024: €97k▼ -22.3% vs 2023
2025: €165k▲ +69.6% vs 2024highest in 5 years
2021 → 2025
Net result
€14k▼ 38.9%
2024 · €23k
2021: €22k
2022: €4k▼ -82.9% vs 2021lowest in 5 years
2023: €32k▲ +745% vs 2022highest in 5 years
2024: €23k▼ -26.0% vs 2023
2025: €14k▼ -38.9% vs 2024
2021 → 2025
Working capital
€53k▼ 33.9%
2024 · €79k
2021: €23k
2022: €11k▼ -52.3% vs 2021lowest in 5 years
2023: €48k▲ +332% vs 2022
2024: €79k▲ +65.2% vs 2023highest in 5 years
2025: €53k▼ -33.9% vs 2024
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€28k▲ 15.6%€59k▲ 114%€82k▲ 39.4%€97k▲ 17.3%
2021: €24klowest in 5 years
2022: €28k▲ +15.6% vs 2021
2023: €59k▲ +114% vs 2022
2024: €82k▲ +39.4% vs 2023
2025: €97k▲ +17.3% vs 2024highest in 5 years
Operating result€32k-€10k▼ 67.6%€47k▲ 355%€36k▼ 24.6%€30k▼ 14.6%
2021: €32k
2022: €10k▼ -67.6% vs 2021lowest in 5 years
2023: €47k▲ +355% vs 2022highest in 5 years
2024: €36k▼ -24.6% vs 2023
2025: €30k▼ -14.6% vs 2024
Net result€22k-€4k▼ 82.9%€32k▲ 745%€23k▼ 26.0%€14k▼ 38.9%
2021: €22k
2022: €4k▼ -82.9% vs 2021lowest in 5 years
2023: €32k▲ +745% vs 2022highest in 5 years
2024: €23k▼ -26.0% vs 2023
2025: €14k▼ -38.9% 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 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€74k ▲ 2,324%
Current assets
€90k ▼ 3.9%
Equity and liabilities €165k
Equity
€97k ▲ 17.3%
Debt
€68k ▲ 365%
Debt's share of the balance-sheet total rises from 15.0% to 41.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€47k▲
2024 · €44k
Cash flow
€30k▼
2024 · €31k
Current ratio
2.39▼
2024 · 6.45
Debt to equity
0.70▲
2024 · 0.18
ROE
14.7%▼
2024 · 28.3%
ROA
8.7%▼
2024 · 24.0%
Interest coverage
4.03▼
2024 · 8.92
Debt ≤ 1 year
€38k▲
2024 · €15k
Debt > 1 year
€30k
Income taxes
€5k▼
2024 · €8k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€97k€165k▲
Fixed assets21/28€3k€74k▲
Tangible fixed assets22/27€3k€74k▲
Plant, machinery and equipment23€705€339▼
Furniture and vehicles24€2k€74k▲
Current assets29/58€94k€90k▼
Amounts receivable within one year40/41€72k€78k▲
Trade receivables40€54k€61k▲
Other amounts receivable41€18k€17k▼
Cash at bank and in hand54/58€22k€12k▼
Deferred charges and accrued income490/1€141€733▲
Equity and liabilities
Total equity and liabilities10/49€97k€165k▲
Equity10/15€82k€97k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€80k€95k▲
Amounts payable17/49€15k€68k▲
Amounts payable after more than one year17-€30k
Financial debts170/4-€30k
Amounts payable within one year42/48€15k€38k▲
Current portion of amounts payable after more than one year42-€23k
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€12k€10k▼
Taxes450/3€11k€5k▼
Remuneration and social security454/9€2k€5k▲
Other amounts payable47/48€546€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€16k▲
Other operating charges640/8€6k€4k▼
Gross operating margin9900€50k€50k▲
Operating profit (loss)9901€36k€30k▼
Financial income75/76B€110€6▼
Recurring financial income75€110€6▼
Financial charges65/66B€5k€12k▲
Recurring financial charges65€5k€12k▲
Profit (loss) for the period before taxes9903€31k€19k▼
Income taxes67/77€8k€5k▼
Profit (loss) for the period9904€23k€14k▼
Profit (loss) for the period to be appropriated9905€23k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€95k▲
Profit (loss) brought forward from the previous period14P€57k€80k▲
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €193 | €6k | €8k | €8k | €16k | ▲ 102% |
| Other operating charges640/8 | €336 | €7k | €785 | €6k | €4k | ▼ 37.9% |
| Gross operating margin9900 | €33k | €23k | €56k | €50k | €50k | ▲ 1.6% |
| Operating profit (loss)9901 | €32k | €10k | €47k | €36k | €30k | ▼ 14.6% |
| Financial income75/76B | - | €0 | €89 | €110 | €6 | ▼ 95.0% |
| Recurring financial income75 | - | €0 | €89 | €110 | €6 | ▼ 95.0% |
| Financial charges65/66B | €5k | €6k | €8k | €5k | €12k | ▲ 137% |
| Recurring financial charges65 | €5k | €6k | €8k | €5k | €12k | ▲ 137% |
| Profit (loss) for the period before taxes9903 | €27k | €5k | €39k | €31k | €19k | ▼ 38.9% |
| Income taxes67/77 | €5k | €952 | €8k | €8k | €5k | ▼ 38.7% |
| Profit (loss) for the period9904 | €22k | €4k | €32k | €23k | €14k | ▼ 38.9% |
| Profit (loss) for the period to be appropriated9905 | €22k | €4k | €32k | €23k | €14k | ▼ 38.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €83k | €112k | €125k | €97k | €165k | ▲ 69.6% |
| Fixed assets21/28 | €566 | €17k | €11k | €3k | €74k | ▲ 2,324% |
| Tangible fixed assets22/27 | €566 | €17k | €11k | €3k | €74k | ▲ 2,324% |
| Plant, machinery and equipment23 | €566 | €313 | €1k | €705 | €339 | ▼ 51.9% |
| Furniture and vehicles24 | - | €16k | €10k | €2k | €74k | ▲ 3,035% |
| Current assets29/58 | €82k | €96k | €114k | €94k | €90k | ▼ 3.9% |
| Amounts receivable within one year40/41 | €64k | €91k | €22k | €72k | €78k | ▲ 9.1% |
| Trade receivables40 | €43k | €64k | €5k | €54k | €61k | ▲ 13.7% |
| Other amounts receivable41 | €21k | €27k | €16k | €18k | €17k | ▼ 4.9% |
| Cash at bank and in hand54/58 | €19k | €5k | €92k | €22k | €12k | ▼ 48.3% |
| Deferred charges and accrued income490/1 | - | €234 | €133 | €141 | €733 | ▲ 421% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €83k | €112k | €125k | €97k | €165k | ▲ 69.6% |
| Equity10/15 | €24k | €28k | €59k | €82k | €97k | ▲ 17.3% |
| Contributions10/11 | €2k | €2k | €2k | €2k | €2k | = |
| Capital10 | €2k | - | - | - | - | - |
| Issued capital100 | €2k | - | - | - | - | - |
| Profit (loss) carried forward14 | €22k | €26k | €57k | €80k | €95k | ▲ 17.7% |
| Amounts payable17/49 | €59k | €84k | €66k | €15k | €68k | ▲ 365% |
| Amounts payable after more than one year17 | - | - | - | - | €30k | - |
| Financial debts170/4 | - | - | - | - | €30k | - |
| Amounts payable within one year42/48 | €59k | €84k | €66k | €15k | €38k | ▲ 160% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €23k | - |
| Trade debts44 | €32k | €78k | €38k | €2k | €3k | ▲ 73.5% |
| Suppliers440/4 | €32k | €78k | €38k | €2k | €3k | ▲ 73.5% |
| Taxes, remuneration and social security45 | €26k | €6k | €27k | €12k | €10k | ▼ 19.9% |
| Taxes450/3 | €5k | €6k | €8k | €11k | €5k | ▼ 52.6% |
| Remuneration and social security454/9 | €21k | - | €20k | €2k | €5k | ▲ 209% |
| Other amounts payable47/48 | €69 | - | - | €546 | €2k | ▲ 209% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22k | €4k | €32k | €23k | €14k | ▼ 38.9% |
| + Depreciation and write-downs630 | €193 | €6k | €8k | €8k | €16k | ▲ 102% |
| Operating cash flow (approximation) | €22k | €9k | €39k | €31k | €30k | ▼ 2.8% |
| Investment in fixed assets (approximation) | - | €-22k | €-2k | €0 | €-87k | - |
| Change in cash | - | €-14k | €88k | €-70k | €-11k | ▲ 84.6% |
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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity quadruplescurrent ratio 6.45
Current ratio from 1.73 to 6.45; short-term debt falls from €66k to €15k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2021net €32k ▲745%
Operating result €47k, net result €32k, both a record.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €4k ▼82.9%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Aalst · 1 establishment unit since 2020
Ground area
470 m²
Building footprint
95 m²
Volume, LiDAR
1,121 m³
Parcel 41342B0544/00S000, Flanders · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
12
companies at this address
See who is registered here
1 establishment unit
CRISTIANO CONSTRUCT
since 20202.306.746.904
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41342B0544/00S000 | Flanders | 470 m² | 1 · 95 m² | 13.0 m · 4 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 15,529 companies in sector 43990 we hold annual accounts for 7,420. 6,246 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
Founded20-05-2020
Fiscal year end30-09
Activities, NACEBEL 2025
43990Other specialised construction activities
43310Plastering work
43331Floor and wall tiling
43341Painting of buildings
43410Roofing work
Scores and ratios are computed by Checked and are not a credit decision.