EN-CONSTRUCT
ActiveSummary
EN-CONSTRUCT has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €76k. Its solvency ranks better than 21% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability92
Solvency45
Growth-
Track record67
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.79; short-term debt: 80.4% and cash: 8.3% of total assets), and 80.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
19.6%
Return on assets
18.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-09-2026, 45 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 · 1 filingDeviation from the deadline
2025
45 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€81k
Total assets
€413k
Net result
€76k
Working capital
€-71k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €413k
Fixed assets
€152k
Current assets
€261k
Equity and liabilities €413k
Equity
€81k
Debt
€332k
Debt finances 80.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€109k
Cash flow
€90k
Current ratio
0.79
Debt to equity
4.10
ROE
93.8%
ROA
18.4%
Interest coverage
1033.22
Debt ≤ 1 year
€332k
Income taxes
€19k
Staff costs
€141k
Filed annual accounts As filed with the NBB · 2025 · 39 lines
Balance sheet
Code2025
Assets
Total assets20/58€413k
Fixed assets21/28€152k
Tangible fixed assets22/27€152k
Plant, machinery and equipment23€144k
Furniture and vehicles24€8k
Current assets29/58€261k
Amounts receivable within one year40/41€218k
Trade receivables40€198k
Other amounts receivable41€20k
Cash at bank and in hand54/58€34k
Deferred charges and accrued income490/1€9k
Equity and liabilities
Total equity and liabilities10/49€413k
Equity10/15€81k
Contributions10/11€5k
Reserves13€76k
Distributable reserves133€76k
Amounts payable17/49€332k
Amounts payable within one year42/48€332k
Trade debts44€149k
Suppliers440/4€149k
Taxes, remuneration and social security45€20k
Taxes450/3€20k
Other amounts payable47/48€163k
Income statement
Code2025
Remuneration, social security and pensions62€141k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k
Other operating charges640/8€1k
Gross operating margin9900€252k
Operating profit (loss)9901€95k
Financial income75/76B€258
Recurring financial income75€258
Financial charges65/66B€106
Recurring financial charges65€106
Profit (loss) for the period before taxes9903€95k
Income taxes67/77€19k
Profit (loss) for the period9904€76k
Profit (loss) for the period to be appropriated9905€76k
Appropriation of the result
Profit (loss) to be appropriated9906€76k
Transfer to equity691/2€76k
To other reserves6921€76k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
14-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 45 days late
NBB filing
0 of 1 act read
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.
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Directors · office · real estate
Directors
1 act for this company is 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, Sint-Niklaas · 1 establishment unit since 2024
Ground area
1.2 ha
Building footprint
159 m²
Volume, LiDAR
654 m³
Parcel 46002C1182/00A000, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
EN-CONSTRUCT
since 20242.368.133.947
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46002C1182/00A000 | Flanders | 1.2 ha | 1 · 159 m² | 7.1 m · 1 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
RENHO GROUP
BE 0885.518.542
Schaarbeek · Eq €81,017
KRAANMANVERHUUR LEUS
BE 0808.453.428
Brakel · Eq €80,756
THERET Cyriel & Sébastien
BE 1021.890.743
Vresse-sur-Semois · Eq €80,726
MERTENS GROND -EN AFBRAAKWERKEN
BE 0801.691.340
Malle · Eq €80,705
A. BGS TERRASSEMENT
BE 0803.285.704
Leuze-en-Hainaut · Eq €80,686
Of 8,455 companies in sector 43120 we hold annual accounts for 3,233. 2,617 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
43120Site preparation
43350Other building finishing work
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.