E&F CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of E&F CONSTRUCT is 2.5% (moderate). The 2025 annual accounts show equity of €11,978 and a net result of -€2,382. Equity is shrinking by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 82% of 1941 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
- Equity
- €11,978
- Loss
- -€2,382
- Largest shareholder
- DSF CONSTRUCT · 50%
Why 56- Limited track record- Higher-failure-rate sector- Annual accounts: weaker financial profileLatest accounts filed on timeShow the evidence
Checked score
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Signals
This company filed its last 3 accounts on average 12 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€2,382
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €15,209Loss -€2,382Solvency 78.8%Liquidity 4.71
Financials · fiscal year 2025, micro schema
Trend over the years
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 25, Manufacture of fabricated metal products, except machinery and equipment, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Result and balance sheet
Key figures and ratios
Peer companies
Historical observationOf the 3,225 companies that looked in July 2024 the way this one looks now, 3.3% went bankrupt within 24 months and 88% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,225 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €1,494 | €3,149 | €16 | ▼ 99.5% |
| Other operating charges640/8 | - | €384 | €396 | ▲ 3.0% |
| Gross operating margin9900 | €5,856 | €4,951 | -€1,900 | ▼ 138% |
| Operating profit (loss)9901 | €4,362 | €1,417 | -€2,311 | ▼ 263% |
| Financial income75/76B | €1 | €283 | €11 | ▼ 96.0% |
| Recurring financial income75 | €1 | €283 | €11 | ▼ 96.0% |
| Financial charges65/66B | €54 | €132 | €80 | ▼ 39.0% |
| Recurring financial charges65 | €54 | €132 | €80 | ▼ 39.0% |
| Profit (loss) for the period before taxes9903 | €4,308 | €1,568 | -€2,380 | ▼ 252% |
| Income taxes67/77 | €1,079 | €436 | €2 | ▼ 99.6% |
| Profit (loss) for the period9904 | €3,229 | €1,132 | -€2,382 | ▼ 311% |
| Profit (loss) for the period to be appropriated9905 | €3,229 | €1,132 | -€2,382 | ▼ 311% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €116,191 | €19,202 | €15,209 | ▼ 20.8% |
| Current assets29/58 | €116,191 | €19,202 | €15,209 | ▼ 20.8% |
| Stocks and contracts in progress3 | €21,000 | - | - | - |
| Contracts in progress37 | €21,000 | - | - | - |
| Amounts receivable within one year40/41 | €87,893 | €15,832 | €11,527 | ▼ 27.2% |
| Trade receivables40 | €74,128 | €15,454 | €7,892 | ▼ 48.9% |
| Other amounts receivable41 | €13,765 | €378 | €3,635 | ▲ 862% |
| Cash at bank and in hand54/58 | €6,955 | €3,253 | €3,682 | ▲ 13.2% |
| Deferred charges and accrued income490/1 | €343 | €118 | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €116,191 | €19,202 | €15,209 | ▼ 20.8% |
| Equity10/15 | €13,229 | €14,361 | €11,978 | ▼ 16.6% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | = |
| Reserves13 | €3,229 | €4,361 | €1,978 | ▼ 54.6% |
| Distributable reserves133 | €3,229 | €4,361 | €1,978 | ▼ 54.6% |
| Amounts payable17/49 | €102,962 | €4,842 | €3,230 | ▼ 33.3% |
| Amounts payable within one year42/48 | €102,962 | €4,842 | €3,230 | ▼ 33.3% |
| Trade debts44 | €100,506 | €2,928 | €2,232 | ▼ 23.8% |
| Suppliers440/4 | €100,506 | €2,928 | €2,232 | ▼ 23.8% |
| Taxes, remuneration and social security45 | €1,423 | €755 | - | - |
| Taxes450/3 | €1,212 | €569 | - | - |
| Remuneration and social security454/9 | €211 | €186 | - | - |
| Other amounts payable47/48 | €1,034 | €1,159 | €999 | ▼ 13.8% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,229 | €1,132 | -€2,382 | ▼ 311% |
| Operating cash flow (approximation) | €3,229 | €1,132 | -€2,382 | ▼ 311% |
| Change in cash | - | -€3,702 | €429 | ▲ 112% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
Board & ownership
Directors
Structure & network
Owners and holdings
1 ownerOwners 1
-
50%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No directors read yet: 0 of 1 Gazette act processed.
Timeline
5 eventsLatest 30-04-2026Next filing 30-04-2027
History
Acts, filings and financial milestones
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.
Company details
Private limited company · founded 09-12-2022Year ends 30-09Peppol reachable1 site
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41048A0259/00Z000 | Flanders | 1.7 ha | 1 · 399 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
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