Turnover
≈ €200,000 estimated
The micro format states no turnover.
ECO Construct
Overview
Lifetime
3 annual accounts with figures on one time axispeak €36,739 (2023)
€15,232▲ 171%
peak €23,463 (2023)
€6,767▲ 22×
peak €34,542 (2025)
€34,542▲ 24.4%
€3,950▼ 70.4%
Board1 name since 2022
1 directorMALAWSKI Krzysztof Grzegorz
Documentsfilings and deeds
19-06-202642 days before the deadline
2025micro format
Gross margin from €5,620 to €15,232Result from €313 to €6,767Equity from €27,776 to €34,542Debts from €13,347 to €3,950Cash from €563 to €1,410
Key points
from the 2025 annual accountsLiquidity
9.23 was 2.57 in 2024
Short-term debts fell from €13,347 to €3,950.
Position in the sector
89.7%
Higher solvency than 93% of companies in specialised construction. Sector median 46.7% · 35,136 companies.
Checked score
67
Healthy
Financially stronger than 72% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.1%
01-2025: 2.1%● unchanged vs 12-2024
02-2025: 2.0%▼ -0.1 percentage points vs 01-2025
03-2025: 2.1%▲ +0.1 percentage points vs 02-2025
04-2025: 2.2%▲ +0.1 percentage points vs 03-2025
05-2025: 2.3%▲ +0.1 percentage points vs 04-2025
06-2025: 2.1%▼ -0.2 percentage points vs 05-2025
07-2025: 2.1%● unchanged vs 06-2025
08-2025: 2.1%● unchanged vs 07-2025
09-2025: 2.1%● unchanged vs 08-2025
10-2025: 2.1%● unchanged vs 09-2025
11-2025: 2.1%● unchanged vs 10-2025
12-2025: 2.1%● unchanged vs 11-2025
01-2026: 2.1%● unchanged vs 12-2025
02-2026: 2.2%▲ +0.1 percentage points vs 01-2026
03-2026: 2.2%● unchanged vs 02-2026
04-2026: 2.3%▲ +0.1 percentage points vs 03-2026
05-2026: 2.4%▲ +0.1 percentage points vs 04-2026
06-2026: 2.4%● unchanged vs 05-2026highest value
07-2026: 1.4%▼ -1.0 percentage point vs 06-2026
08-2026: 1.4%● unchanged vs 07-2026
09-2026: 1.4%● unchanged vs 08-2026
10-2026: 1.3%▼ -0.1 percentage points vs 09-2026lowest value
11-2026: 1.3%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Size: total assets €38,493
Founded in 2022
lowers risk
Equity €34,542 (89.7% of total assets)
Figures for financial year 2025 (filed on 19-06-2026)
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 43, micro). It does better than 90% of them on solvency, 50% on liquidity, 77% on profitability and 71% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as ECO Construct has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ECO Construct itself: 1.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for ECO Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 9.23 (2.57 in 2024), above the usual 1.5. Short-term debt is 10.3% and cash 3.7% of total assets. 10.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 19-06-2026, 42 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
42 days early
2024
1 day early
2023
36 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 26 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 June (3 of the last 3 accounts filed within 34 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0792807130
Incorporation
Founding capital of €4,000, 100 shares · Founder: MALAWSKI Krzysztof Grzegorz (comparant) · Appointment: MALAWSKI Krzysztof Grzegorz (director) · published on 26-10-2022 · Gazette deed
First establishment
Hallepoortlaan 22, Sint-Gillis (bij-Brussel)
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ECO Construct Sint-Gillis (bij-Brussel) | €38,493 | €15,232 | 89.7% | - |
| CCF BUILDING SOLUTIONS Ganshoren | €42,711 | €13,853 | 41.0% | - |
| FABIAN COMPANY Saint-Josse-ten-Noode | €40,492 | €14,559 | 71.4% | - |
| DIACRIS Uccle | €34,900 | €14,586 | 73.6% | - |
| DENYAN Overijse | €35,716 | €15,679 | 32.2% | - |
| AH ! ZOT Bassenge | €40,281 | €13,965 | 49.1% | - |
| B. Aumann Hasselt | €38,872 | €13,978 | 40.9% | - |
These companies have the same main activity as ECO Construct: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €34,900 and €42,700, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 24-10-2022Normal situation
- Activity
- Other specialised construction activitiesNACE 43990and 4 others
- Establishment unit
- 2.338.233.2031060 Sint-Gillis (bij-Brussel), since 24-10-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 06-11-2025
Annual accounts 2025
- €15,232▲ 171%
- €6,767▲ 22×
- €34,542▲ 24.4%
- €38,493▼ 6.4%
- Filing
- Filed on 19-06-2026, 42 days before the end of the filing period
Insights on ECO Construct
ECO Construct files the micro format. That format states no turnover. The gross margin fell from €36,739 in 2023 to €15,232 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 19-06-2026, 42 days before the deadline€15,232
▲ 171%
€9,060
▲ 14×
€6,767
▲ 22×
€32,505
▲ 55.0%
89.7%
▲ 22.2 percentage points
9.23
▲ 6.66
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €200,000. Estimated: probably between €110,000 and €390,000.
Balance sheet
balance sheet total €38,493 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
89.7%
Higher than 93% of 35,136 companies in 2025.
9.23
Higher than 93% of 34,510 companies in 2025.
17.6%
Higher than 74% of 34,711 companies in 2025.
ECO Construct
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
38,493 | 41,123 | 51,902 | |
21/28 |
2,038 | 6,803 | 11,569 | |
22/27 |
2,038 | 6,803 | 11,569 | |
24 |
2,038 | 6,803 | 11,569 | |
29/58 |
36,455 | 34,320 | 40,333 | |
40/41 |
35,045 | 33,696 | 33,787 | |
40 |
27,442 | 32,583 | 33,759 | |
41 |
7,602 | 1,113 | 27 | |
54/58 |
1,410 | 563 | 5,466 | |
490/1 |
- | 60 | 1,080 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
38,493 | 41,123 | 51,902 | |
10/15 |
34,542 | 27,776 | 27,463 | |
10/11 |
4,000 | 4,000 | 4,000 | |
13 |
2,000 | - | - | |
132 |
2,000 | - | - | |
14 |
28,542 | 23,776 | 23,463 | |
17/49 |
3,950 | 13,347 | 24,439 | |
42/48 |
3,950 | 13,347 | 24,439 | |
44 |
360 | 4,118 | 1,621 | |
440/4 |
360 | 4,118 | 1,621 | |
45 |
3,590 | 7,993 | 8,294 | |
450/3 |
3,590 | 7,993 | 8,294 | |
47/48 |
- | 1,236 | 14,524 | |
| Income statement | ||||
9900 |
15,232 | 5,620 | 36,739 | |
630 |
4,766 | 4,766 | 4,183 | |
640/8 |
1,407 | 219 | 1,188 | |
9901 |
9,060 | 635 | 31,368 | |
65/66B |
243 | 190 | 46 | |
65 |
243 | 190 | 46 | |
9903 |
8,817 | 446 | 31,322 | |
67/77 |
2,050 | 133 | 7,860 | |
9904 |
6,767 | 313 | 23,463 | |
9905 |
6,767 | 313 | 23,463 | |
| Appropriation of the result | ||||
9906 |
30,542 | 23,776 | 23,463 | |
14P |
23,776 | 23,463 | - | |
691/2 |
2,000 | - | - | |
6921 |
2,000 | - | - | |
| Document | ||||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 19-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 13,825 | 5,401 | 35,551 | ||
| 11,533 | 5,078 | 27,645 | ||
| 0 | 0 | 15,751 | ||
| 847 | -4,903 | - | ||
| 32,505 | 20,972 | 15,894 | ||
| 89.7% | 67.5% | 52.9% | ||
| 9.23 | 2.57 | 1.65 | ||
| 0.11 | 0.48 | 0.89 | ||
| 19.6% | 1.1% | 85.4% | ||
| 17.6% | 0.8% | 45.2% | ||
| 56.93 | 28.49 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | - | - | €15,751 |
| €4,766 | €4,766 | €4,183 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on ECO Construct
The operating result for 2025 is over 14 times that of 2024. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total falls from 32.5% to 10.3%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 26-10-2022
term without a fixed end
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 11. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”deed of 26-10-2022
Mandates through the years
1 name, the dashed line is todayMALAWSKI Krzysztof Grzegorz
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- MALAWSKI Krzysztof Grzegorz
- Director (not named in the articles), appointed by deed of 26-10-2022, still in office
Control
Capital
- Contribution
- €4,000
- Shares
- 100
- Contribution per share
- €40
- Equity per share
- €345 in 2025
- Source
- deed of 26-10-2022
Articles of association
deed of 26-10-2022 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant,moitié acquéreurs proportionnellement nombre actions si plusieurs, toutes cessions entre vifs…”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 26-10-2022 ↗
- MALAWSKI Krzysztof Grzegorz 100 shares (100%) · €4,000 in cash
Network & group
No group
ECO Construct has no parent and no holdings in its annual accounts. MALAWSKI Krzysztof Grzegorz is the only director. ECO Construct shares no director with another company.
At the same address
Hallepoortlaan 22, 1060 Saint-Gilles · 3 other companies| A.P.C. CONSTRUCT
establishment since 28-08-2018 · founded in 2018 |
total assets €78,811 (2025) 0701.836.966 |
| Sanchez Ramos, Mario (sole trader)
establishment since 09-04-2025 |
founded in 2025 1022.135.718 |
| Association des copropriétaires à Saint-Gilles, Résidence les Armures, Avenue de la Porte de Hall 22, 23 et 24 et Rue Fontainas 5
registered office since 01-01-1968 |
founded in 1968 0850.144.325 |
Timeline
Timeline
8 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 42 days before the deadline
2025
Liquidity more than triples current ratio 9.23 The current ratio rises from 2.57 to 9.23. Short-term debt falls from €13,347 to €3,950.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0792807130
Annual accounts 2024 filed PDFmicro format · 1 day before the deadline
2024
Weakest financial year net €313 ▼98.7% The net result drops to €313, the lowest from 2023 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 36 days before the deadline
2022
IncorporationFounding capital of €4,000, 100 shares · Founder: MALAWSKI Krzysztof Grzegorz (comparant) · Appointment: MALAWSKI Krzysztof Grzegorz (director) · published on 26-10-20226 points ▸
- Registered office clause, Avenue de la Porte de Hal 22, boîte 5, 1060 Saint-Gilles
- Board rule, 1
- Director appointment, MALAWSKI Krzysztof Grzegorz (director (not named in the articles))
- Founder, MALAWSKI Krzysztof Grzegorz (comparant)
- Founding capital, €4,000, 100 shares
- 100 shares
- The deed holds 7 more points.
First establishment Hallepoortlaan 22, Sint-Gillis (bij-Brussel)
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
ECO Construct was incorporated on 24 October 2022 as a private limited company by one natural person, with a starting capital of €4,000.12 MALAWSKI Krzysztof Grzegorz is director of the company, appointed by deed of 26-10-2022.2 Total assets fell from €51,902 in 2023 to €38,493 in 2025.3
Company details
Identity
- Enterprise number
- 0792.807.130
- VAT number
- BE 0792.807.130
- Peppol ID
- 0208:0792807130
- Other Peppol ID
- 9925:BE0792807130
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 24-10-2022
- Financial year
- ends on 31 December
- Peppol
- Reachable since 06-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- ECO Construct in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 26-10-2022 (in French)
- Name clauseThe company operates under this name according to its articles.
- ECO Constructdeed of 26-10-2022 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 26-10-2022 (in French)
Activities
NACEBEL 202543990
Other specialised construction activities main activity
43120
Site preparation
Codes under NACEBEL 2008
43995
Specialised construction activities main activity
41201
General construction of buildings
43120
Site preparation
43390
Specialised construction activities
43994
Specialised construction activities
43999
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Tous travaux d’entretien et d’embellissement de tous bâtiments, que ce soit dans leur composante intérieure et extérieure et notamment tout…”deed of 26-10-2022 (in French)
3 activities
- Tous travaux d’entretien et d’embellissement de tous bâtiments, que ce soit dans leur composante intérieure et extérieure et notamment tout travaux de peinture, de plafonnage, de pose de crépis ou encore de rejointoyage et de sablage de ces bâtiments ;
- La conception, la mise en œuvre et l’entretien de systèmes de chauffage et d’isolation complète ou partielle de tous bâtiments, sous un aspect tant énergétique, thermique, acoustique ou encore vibratile ;
- La création et l’entretien de jardins, parc ou autre espaces verts ;
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Hallepoortlaan 22 registered office 1060 Sint-Gillis (bij-Brussel) | 24-10-2022 | 2.338.233.203 |
Buildings and parcels at the address
- Ground area
- 408 m²
- Buildings
- 330 m²
- Volume, LiDAR
- 9,606 m³
- Tallest building
- 41.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21562A0004/02C000 | 408 m² | 1 · 330 m² | 41.8 m · 13 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0792.807.130