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EGC CONSTRUCT

Active
Private limited company·Metselwerk· 6 yrs active
Chaussée Paul Houtart(H-A) 195 ·7110 La Louvière, Belgium
KBO/BCE: BE 0746.625.331
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Belgian State Gazette acts: 0 of 4 read
Age6 yrs
Real estate1 parcel · 182 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of EGC CONSTRUCT is 2.4% (moderate). The 2025 annual accounts show equity of €266k and a net result of €44k. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 6 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 03-07-2026 28 d early 2026-00250676
31-12-2024 31-07-2025 25-09-2025 56 d late 2025-00504001
31-12-2023 31-07-2024 12-09-2024 43 d late 2024-00460341
31-12-2022 31-07-2023 01-09-2023 32 d late 2023-00430958
31-12-2021 31-07-2022 31-08-2022 31 d late 2022-20364046
31-12-2020 31-07-2021 24-09-2021 55 d late 2021-68700011

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.4% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (micro schema)
EBIT marginNot published (micro schema)
Net result€44k-35.7%
Working capital€152k+164.8%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 03-07-2026 with the NBB · fiscal year 2025 · micro schema
€0€50k€100kOperating result 2024: €107k€107kNet result 2024: €68k€68kOperating result 2025: €77k€77kNet result 2025: €44k€44k20242025
Operating resultNet result
EBITDA
€83k
-29.9% 24-25
Net profit
€44k
-35.7% 24-25
Cash flow
€49k
-37.6% 24-25
Total assets
€613k
+46.9% 24-25
Equity
€266k
+19.8% 24-25
Working capital
€152k
+164.8% 24-25
Employees (FTE)
1
0.0% 24-25
Staff costs
€85k
+7.2% 24-25
Show 11 other metrics
Income taxes
€23k
-22.4% 24-25
Debt
€347k
+77.6% 24-25
Debt ≤ 1y
€337k
+91.0% 24-25
Debt > 1y
€9k
-50.5% 24-25
Current ratio
1.45
+9.5% 24-25
Quick ratio
1.45
+9.5% 24-25
Solvency
43.4%
-18.4% 24-25
Debt / equity
1.31
+48.2% 24-25
ROE
16.5%
-46.3% 24-25
ROA
7.2%
-56.2% 24-25
Interest coverage
8.03
-30.7% 24-25
Figures by fiscal year
Fiscal year2025
Depositmicro schema
Revenue-
EBITDA€83k
Net profit€44k
Cash flow€49k
Staff costs€85k
Income taxes€23k
Dividends-
Total assets€613k
Equity€266k
Debt€347k
of which ≤ 1y€337k
of which > 1y€9k
Working capital€152k
Employees (FTE)1.0
Ratios (computed)
2025
Current ratio1.45
Quick ratio1.45
Working capital ratio24.8%
Solvency43.4%
Debt / equity1.31
Long-term debt ratio0.04
Interest coverage8.03
Gross margin-
Net margin-
ROA7.2%
ROE16.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€613k
Fixed assets 21/28€123k
Tangible fixed assets 22/27€10k
Financial fixed assets 28€114k
Current assets 29/58€489k
Amounts receivable within one year 40/41€444k
Cash & bank 54/58€39k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€613k
Equity 10/15€266k
Contributions / capital 10/11€10k
Reserves 13€230k
Accumulated profits (losses) 14€26k
Amounts payable 17/49€347k
Amounts payable after one year 17€9k
Amounts payable within one year 42/48€337k
Trade debts payable within one year 44€277k
Income statement
Gross operating margin 9900€176k
Operating result 9901€77k
Financial income 75€37
Financial charges 65€10k
Result before taxes 9903€67k
Income taxes 67/77€23k
Net result for the period 9904€44k
Result to be appropriated 9905€44k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
81 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap

Establishment units

1 location
EGC Construct
Chaussée Paul Houtart(H-G) 195, 7110 La LouvièreOptrekken van de ruwbouw van gebouwen met celstructuur (appartementsgebouwen, enz.)
since 20202.310.978.874
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area182 m²
Buildings1
Building footprint67 m²
Volume (LiDAR)642 m³
Tallest building11.7 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
55020C0845/00D003 Wallonia 182 m² 1 · 66 m² 11.7 m · 3 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 act
Address history · 1
04-02-2025
Registered-office move
All acts · 1 updated 1 year ago
2025
04-02-2025 Registered office moved from La Louvière to Houdeng-Goegnies Registered-office change
  • Rue Arthur Warocqué, 93/2 à 7100 La Louvière → Chaussée Paul Houtart, 195 à 7110 Houdeng-Goegnies

Analysis

Financial profile

5 of 5 axes measured
Health81Profitability83Solvency76Growth52Stability100
78 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 81
Profitability 83
Solvency 76
Growth 52
Stability 100

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 1,660 of the 11,133 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Metselwerk43910Overige gespecialiseerde bouwactiviteiten, neg43990Uitvoeren van metsel- en voegwerken43994Overige gespecialiseerde bouwwerkzaamheden43999
Primary activity highlighted.
Names & trade names
Legal nameFR EGC CONSTRUCT
Registered office
Chaussée Paul Houtart(H-A) 195
7110 La Louvière, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.