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DISCOVER CONSTRUCTION

Active
Private limited companyfounded 201115 yrs activeAlsembergsesteenweg 995, 1180 Ukkel, BelgiumKBO/BCE: BE 0837.393.674
Summary

DISCOVER CONSTRUCTION has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73,157 and a net result of €8,821. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 40% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisWatch ReportCompare
DISCOVER CONSTRUCTIONActiveChecked score 67/100
Risk analysis ReportCompare

Overview

Activity
Plastering work
NACE 43310
1 site
Size
€190,617total assets 2025
Equity
€73,157
Profit
€8,821
Financial health
67 Healthy Checked score 2025
Bankruptcy chance 12 m
0.9%
Structure
Accounts filed 10 d late0 of 4 deeds read
Why 67- Liquidity: current ratio 1.61, cash €144, halved- Sector Specialised construction activities (NACE 43)- Figures for FY 2025 (filed 14-11-2025)+ Founded in 2011Show the evidence

Checked score

Score 2025
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 40% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 63+28
equity 38.4% of total assets
Liquidity 19+19
short-term debt 59.7% · cash 0.1%
Profitability 75+5
return on assets 4.6%
Bankruptcy probability, 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,046 companies)
Last 24 months 11-2024: 0.6%lowest value 12-2024: 0.6%● 0.0% vs 11-2024lowest value 01-2025: 0.6%● 0.0% vs 12-2024lowest value 02-2025: 0.6%● 0.0% vs 01-2025lowest value 03-2025: 0.6%● 0.0% vs 02-2025lowest value 04-2025: 0.6%● 0.0% vs 03-2025lowest value 05-2025: 0.6%● 0.0% vs 04-2025lowest value 06-2025: 0.7%▲ +3.3% vs 05-2025 07-2025: 0.7%▲ +3.8% vs 06-2025 08-2025: 0.7%▼ -0.6% vs 07-2025 09-2025: 0.7%▲ +5.1% vs 08-2025 10-2025: 0.9%▲ +23.1% vs 09-2025 11-2025: 1.4%▲ +57.3% vs 10-2025highest value 12-2025: 0.7%▼ -46.3% vs 11-2025 01-2026: 0.7%● 0.0% vs 12-2025 02-2026: 0.7%● 0.0% vs 01-2026 03-2026: 0.7%● 0.0% vs 02-2026 04-2026: 0.7%● 0.0% vs 03-2026 05-2026: 0.7%● 0.0% vs 04-2026 06-2026: 0.7%● 0.0% vs 05-2026 07-2026: 0.8%▲ +6.0% vs 06-2026 08-2026: 0.8%▼ -4.9% vs 07-2026 09-2026: 0.7%▼ -3.2% vs 08-2026 10-2026: 0.9%▲ +25.5% vs 09-2026
  • Liquidity: current ratio 1.61, cash €144, halved raises the probability
  • Founded in 2011 lowers the probability for this profile
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Figures for FY 2025 (filed 14-11-2025) raises the probability
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.09 in 2024; short-term debt: 59.7% and cash: 0.1% of total assets), but 61.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 41%, liquidity 10%, profitability 48%, growth against the median 60%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 1.61, cash €144, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 2011
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Figures for FY 2025 (filed 14-11-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 10-11-2025, 10 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 filings
Deviation from the deadline
2025
10 d late
2024
on the day
2023
2 d early
2022
1 d late
2021
3 d late
2020
4 d early
2019
32 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 3 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 1 November (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
31-03-2026 close03-10-2026 today31-10-2026 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. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · full…

Key points

  • Positive: 7 profitable years in a rowprofit 2025: €8,821 7 years View
  • Total assets 20256 fiscal years filed €190,617 View
  • Active since 2011founded 27-06-2011 15 years View

By topic

Financials

Fiscal year
2025
Total assets
€190,617
Profit
€8,821
Solvency
38.4%
Total assets▼ 70.8%
Net result
20192025
Go to Financials

Timeline

Events
11
Since
2016
Next accounts
by 31-10-2026
  1. 10-11-2025Annual accounts filed
  2. 31-10-2024Annual accounts filed
  3. 29-10-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Plastering workNACE 43310
Founded
27-06-2011
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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