CURA CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of CURA CONSTRUCT is 1.7% (moderate). The 2025 annual accounts show equity of €165k and a net result of €16k. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 2167 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-1
Solvency70▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.42 against 2.45 in 2024; short-term debt: 20.8% and cash: 7.8% of total assets), but 55.5% 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 · 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
44.5%
Return on assets
4.2%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
15 d early
2024
42 d early
2023
21 d late
2022
34 d early
2021
23 d early
2020
22 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€184k
EBIT margin
23.2%
Net result
€16k▼ 7.0%
2024 · €17k
2020: €29k
2021: €30k
2022: €64k
2023: €-6k
2024: €17k
2020 → 2025
Working capital
€109k▲ 25.9%
2024 · €87k
2020: €33k
2021: €63k
2022: €117k
2023: €69k
2024: €87k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€138k▲ 86.1%€132k▼ 4.1%€149k▲ 12.7%€165k▲ 10.5%
Operating result€40k-€86k▲ 114%€-4k€28k€28k▼ 0.6%
Net result€30k-€64k▲ 113%€-6k€17k€16k▼ 7.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €370k
Fixed assets
€183k▼ 10.0%
Current assets
€186k▲ 27.1%
Equity and liabilities €370k
Equity
€165k▲ 10.5%
Debt
€205k▲ 1.9%
The debt ratio falls from 57.5% to 55.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€48k▼
2024 · €51k
Cash flow
€35k▼
2024 · €39k
Solvency
44.5%▲
2024 · 42.5%
Current ratio
2.42▼
2024 · 2.45
Quick ratio
1.89▼
2024 · 2.45
Debt / equity
1.25▼
2024 · 1.35
ROE
9.5%▼
2024 · 11.2%
ROA
4.2%▼
2024 · 4.8%
Interest coverage
6.50▼
2024 · 6.53
Debt
€205k▲
2024 · €201k
Debt ≤ 1 year
€77k▲
2024 · €60k
Debt > 1 year
€128k▼
2024 · €136k
Income taxes
€5k▲
2024 · €4k
Staff costs
€201k▲
2024 · €193k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€350k€370k▲
Fixed assets21/28€204k€183k▼
Tangible fixed assets22/27€201k€181k▼
Land and buildings22€184k€178k▼
Plant, machinery and equipment23€835€626▼
Furniture and vehicles24€16k€2k▼
Financial fixed assets28€3k€2k▼
Current assets29/58€147k€186k▲
Stocks and contracts in progress3-€41k
Stocks30/36-€41k
Amounts receivable within one year40/41€111k€106k▼
Trade receivables40€83k€97k▲
Other amounts receivable41€27k€8k▼
Cash at bank and in hand54/58€34k€29k▼
Deferred charges and accrued income490/1€2k€11k▲
Equity and liabilities
Total equity and liabilities10/49€350k€370k▲
Equity10/15€149k€165k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€134k€150k▲
Amounts payable17/49€201k€205k▲
Amounts payable after more than one year17€136k€128k▼
Financial debts170/4€136k€128k▼
Amounts payable within one year42/48€60k€77k▲
Current portion of amounts payable after more than one year42€18k€8k▼
Trade debts44€10k€47k▲
Suppliers440/4€10k€47k▲
Taxes, remuneration and social security45€13k€9k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€8k€7k▼
Other amounts payable47/48€18k€13k▼
Accrued charges and deferred income492/3€6k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€193k€201k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€20k▼
Other operating charges640/8€4k€6k▲
Gross operating margin9900€247k€255k▲
Operating profit (loss)9901€28k€28k▼
Financial income75/76B€3€0▼
Recurring financial income75€3€0▼
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€21k€21k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€17k€16k▼
Profit (loss) for the period to be appropriated9905€17k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€134k€150k▲
Profit (loss) brought forward from the previous period14P€117k€134k▲
Social balance
Average headcount (FTE)90873.03.0=
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €150kEq €165k ▲10.5%
2 profitable years in a row build equity to €165k.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 21 days late
2023
31-12
Financial
Weakest financial yearnet €-6k ▼109%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2020net €64k ▲113%
Operating result €86k, net result €64k, both a record.
31-12
Financial
Equity above €100kEq €138k ▲86.1%
3 profitable years in a row build equity to €138k.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Puurs-Sint-Amands · 1 establishment unit since 2019
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.
Lippeloseweg(OPP) 582890 Puurs-Sint-AmandsGround area
2,064 m²
Building footprint
733 m²
Volume, LiDAR
3,830 m³
Parcel 12028B0223/00K000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CURA CONSTRUCT
since 20192.297.519.828
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12028B0223/00K000 | Flanders | 2,064 m² | 1 · 733 m² | 8.6 m · 2 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.
Similar companies · same sector, comparable size
BOUWWERKEN JAEKEN MARIO
BE 0466.772.017
Peer · Eq €165k
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Scheerlinck Kristof
BE 0774.336.449
Oosterzele · Eq €164k
VAN DEN BOSSCHE
BE 0465.404.416
Zottegem · Eq €164k
DALS
BE 0770.299.071
La Louvière · Eq €164k
Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 12,470 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@cura-construct.be