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CTL CONCEPT

Active
Private limited companyfounded 2024active for 2 yearsProvinciebaan 42, 9270 Laarne, BelgiumKBO/BCE: BE 1010.035.165

From the official registers: KBO 1 annual account at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of CTL CONCEPT is 1.9% (moderate). The 2025 annual accounts show equity of €33,516 and a net result of €33,516. Its solvency ranks better than 57% of 9,380 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

KBO
Status
Active since 04-06-2024 Normal situation
Activity
General construction of residential buildings NACE 41001and 5 others
Establishment unit
2.360.270.712 9270 Laarne, since 04-06-2024
Financial year end
31 December
Peppol
Reachable since 19-12-2025

Board and ownership

Board
  • HARLEA Ionut-CatalinDirector · since 04-06-2024

Financial position

56 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.9%
Annual accounts 2025
Gross margin
€48,886
Turnover
≈ €340,000
estimated
Profit
€33,516
Equity
€33,516
Total assets
€66,965
Filed on 31-08-2026, 31 days after the deadlineat the National Bank
Score breakdownraises riskFounded in 2024Size: total assets €66,965Sector: Construction of residential and non-residential buildings (NACE 41)lowers riskLiquidity: current ratio 1.80, cash €19,601Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 72% of micro companies in construction of buildings (NACE 41)
Financial strength
Strong
Solvency 75
equity 50.1% of total assets
Liquidity 62
short-term debt 49.9% · cash 29.3%
Profitability 100
return on assets 50.1%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,451 companies, NACE 41, micro)
Last 24 months 07-2025: 3.6% 08-2025: 3.7%▲ +0.1 percentage points vs 07-2025 09-2025: 4.1%▲ +0.4 percentage points vs 08-2025 10-2025: 4.2%▲ +0.1 percentage points vs 09-2025 11-2025: 4.6%▲ +0.4 percentage points vs 10-2025 12-2025: 4.6%● unchanged vs 11-2025 01-2026: 5.0%▲ +0.4 percentage points vs 12-2025 02-2026: 5.0%● unchanged vs 01-2026 03-2026: 4.8%▼ -0.2 percentage points vs 02-2026 04-2026: 4.8%● unchanged vs 03-2026 05-2026: 5.1%▲ +0.3 percentage points vs 04-2026 06-2026: 5.3%▲ +0.2 percentage points vs 05-2026 07-2026: 5.3%● unchanged vs 06-2026highest value 08-2026: 5.3%● unchanged vs 07-2026highest value 09-2026: 1.9%▼ -3.4 percentage points vs 08-2026lowest value 10-2026: 1.9%● unchanged vs 09-2026lowest value
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.8, above the usual 1.5. Short-term debt is 49.9% and cash 29.3% of total assets. 49.9% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 58% of them on solvency, 67% on liquidity and 91% on profitability.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · Founded in 2024
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Size: total assets €66,965
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.80, cash €19,601
NBB · annual accounts
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filing
Deviation from the deadline
2025
31 days late
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Key points

  • Positive: Higher net result than 80% of companies in construction of buildingssector median €8,543 · 9,370 companies €33,516 View

Comparable companies

These companies have the same main activity as CTL CONCEPT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €57,500 and €80,500, founded in 2024.

CompanyTotal assetsGross margin
CTL CONCEPT Laarne€66,965€48,886
TD.TILES Gent€72,673€46,992
VAN DER MEULEN Erpe-Mere€73,581€45,288
DE CLERCQ BUILDING SERVICES Gent€80,500€51,048
Algemene Bouwwerken Elias Matthias Sint-Laureins€75,269€42,913
LEY CONSTRUCT Gent€57,515€42,535
NAVENA Dendermonde€59,595€60,157
Full comparison

Documents

Annual accounts at the NBB

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about CTL CONCEPT

What is the company number of CTL CONCEPT?
The company number of CTL CONCEPT is 1010.035.165. The VAT number is the same number with BE in front: BE 1010.035.165.
Where is CTL CONCEPT based?
The registered office is at Provinciebaan 42, 9270 Laarne.Company details
What does CTL CONCEPT do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of CTL CONCEPT?
The legal form of CTL CONCEPT is Private limited company (BV).
When was CTL CONCEPT founded?
CTL CONCEPT was founded on 04-06-2024.
Is CTL CONCEPT still active?
Yes, CTL CONCEPT is an active enterprise in the KBO register.
What is the turnover of CTL CONCEPT?
The turnover in financial year 2025 is ≈ €340,000. This figure is estimated from the gross margin of €48,886 and 163 comparable companies (NACE 41001). It probably lies between €190,000 and €620,000.Financials
Is CTL CONCEPT profitable?
In financial year 2025, CTL CONCEPT made a profit of €33,516.
Where can I find the annual accounts of CTL CONCEPT?
CTL CONCEPT filed 1 annual account with the National Bank of Belgium, for financial year 2025.Annual accounts at the National Bank

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