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EURO - PRO CONSTRUCT

Active
Private limited companyfounded 200323 yrs activeAvenue de l'Europe 19, 6000 Charleroi, BelgiumKBO/BCE: BE 0480.219.383

The file of EURO - PRO CONSTRUCT contains 2 historical bankruptcy publications, as published in the Belgian State Gazette.

Summary

The computed 12-month bankruptcy probability is 1.9% (moderate). The 2025 annual accounts show negative equity (-€53,097) and a net result of -€912. Equity is shrinking by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 7598 sector peers (fiscal year 2025).

Checked score

Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58=
Track record85
Bankruptcy probability, 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Age of the figures
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 23 years 0 30 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€53,097
neutral · Prior bankruptcy
Earlier bankruptcy on record in the Belgian State Gazette, no current open procedure.
Belgian State Gazette
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
30 d late
2022
61 d late
2021
61 d late
2020
79 d late
2019
153 d late
← 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 63 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
neutral · 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. Usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 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

History

On 14 May 2003, EURO - PRO CONSTRUCT was incorporated.1 Total assets went from EUR 77,558 in 2018 to EUR 51,877 in 2023.2 The company was declared bankrupt on 16 May 2022.3

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2023
  3. 3Belgian State Gazette, 30-05-2022

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Financials · fiscal year 2025, micro schema

Equity
-€53,097▼ 1.7%
2024 · -€52,185
Total assets
€633▲ 46.7%
2024 · €431
Net result
-€912▲ 81.5%
2024 · -€4,938
Working capital
-€51,926▼ 1.0%
2024 · -€51,413
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€36,358▲ 9.6%-€21,021▲ 42.2%€6,504-€4,885-€815▲ 83.3%
Net result-€36,584below the sector's middle half▲ 18.1%-€24,788below the sector's middle half▲ 32.2%€6,436within the sector's middle half-€4,938below the sector's middle half-€912below the sector's middle half▲ 81.5%
Equity-€41,294below the sector's middle half▲ 48.2%-€66,082below the sector's middle half▼ 60.0%-€59,647below the sector's middle half▲ 9.7%-€52,185below the sector's middle half▲ 12.5%-€53,097below the sector's middle half▼ 1.7%
Total assets€173,692within the sector's middle half▲ 35.2%€31,163below the sector's middle half▼ 82.1%€51,877below the sector's middle half▲ 66.5%€431below the sector's middle half▼ 99.2%€633below the sector's middle half▲ 46.7%
Debt€214,986▲ 3.3%€97,246▼ 54.8%€111,523▲ 14.7%€52,616▼ 52.8%€53,730▲ 2.1%
Working capital-€42,555below the sector's middle half▲ 46.6%-€66,777below the sector's middle half▼ 56.9%-€59,956below the sector's middle half▲ 10.2%-€51,413below the sector's middle half▲ 14.2%-€51,926below the sector's middle half▼ 1.0%
Solvency-23.8%below the sector's middle half▲ 38.3pp-212.1%below the sector's middle half▼ 188.3pp-115.0%below the sector's middle half▲ 97.1pp
Current ratio0.80below the sector's middle half▲ 0.180.31below the sector's middle half▼ 0.490.46below the sector's middle half▲ 0.15
Return on assets (ROA)-21.1%below the sector's middle half▲ 13.7pp-79.5%below the sector's middle half▼ 58.5pp12.4%within the sector's middle half▲ 91.9pp
above within below the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€40,000-€20,000€0Operating result 2021: -€36,358-€36,358Net result 2021: -€36,584-€36,584Operating result 2022: -€21,021-€21,021Net result 2022: -€24,788-€24,788Operating result 2023: €6,504€6,504Net result 2023: €6,436€6,436Operating result 2024: -€4,885-€4,885Net result 2024: -€4,938-€4,938Operating result 2025: -€815-€815Net result 2025: -€912-€91220212022202320242025-€5,000€0€5,000Operating result 2023: €6,504€6,500Net result 2023: €6,436€6,440Operating result 2024: -€4,885-€4,880Net result 2024: -€4,938-€4,940Operating result 2025: -€815-€815Net result 2025: -€912-€912202320242025
The operating result stays negative: a loss of €815 in 2025 against €4,885 in 2024; the loss shrinks.
Key figures and ratios
2025 value · change against 2024
Debt ≤ 1 year
€52,558▲
2024 · €51,844
Ratios withheld: a balance sheet total of €633 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,622 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 20 years or older
  • negative equity
  • a loss of 10% of the balance sheet or more
4.6% went bankrupt
10.0% stopped otherwise
84% still going

A further 1.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.9% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.9%
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 6,622 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.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet Code20242025
Assets
Total assets20/58€431€633▲
Fixed assets21/28€0€0=
Tangible fixed assets22/27€0€0=
Furniture and vehicles24€0€0=
Current assets29/58€431€633▲
Amounts receivable within one year40/41€324-
Other amounts receivable41€324-
Cash at bank and in hand54/58€107€633▲
Equity and liabilities
Total equity and liabilities10/49€431€633▲
Equity10/15-€52,185-€53,097▼
Contributions10/11€18,600€18,600=
Reserves13€4,863€4,863=
Non-distributable reserves130/1€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860=
Distributable reserves133€3,003€3,003=
Profit (loss) carried forward14-€75,648-€76,561▼
Amounts payable17/49€52,616€53,730▲
Amounts payable within one year42/48€51,844€52,558▲
Trade debts44€13,427€13,427=
Suppliers440/4€13,427€13,427=
Taxes, remuneration and social security45-€714
Taxes450/3-€714
Other amounts payable47/48€38,417€38,417=
Accrued charges and deferred income492/3€772€1,172▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€694-
Other operating charges640/8€402€400▼
Gross operating margin9900-€3,789-€416▲
Operating profit (loss)9901-€4,885-€815▲
Financial charges65/66B€53€97▲
Recurring financial charges65€53€97▲
Profit (loss) for the period before taxes9903-€4,938-€912▲
Profit (loss) for the period9904-€4,938-€912▲
Profit (loss) for the period to be appropriated9905-€4,938-€912▲
Appropriation of the result
Profit (loss) to be appropriated9906-€75,648-€76,561▼
Profit (loss) brought forward from the previous period14P-€70,710-€75,648▼

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A--€348---
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€439€567-€694--
Other operating charges640/8€921€733€703€402€400▼ 0.4%
Non-recurring operating charges66A€1,651-----
Gross operating margin9900-€33,347-€19,722€7,207-€3,789-€416▲ 89.0%
Operating profit (loss)9901-€36,358-€21,021€6,504-€4,885-€815▲ 83.3%
Financial income75/76B€26€68----
Recurring financial income75€26€68----
Financial charges65/66B€253€3,835€68€53€97▲ 81.9%
Recurring financial charges65€253€3,835€68€53€97▲ 81.9%
Profit (loss) for the period before taxes9903-€36,584-€24,788€6,436-€4,938-€912▲ 81.5%
Profit (loss) for the period9904-€36,584-€24,788€6,436-€4,938-€912▲ 81.5%
Profit (loss) for the period to be appropriated9905-€36,584-€24,788€6,436-€4,938-€912▲ 81.5%
Line20212022202320242025Change
Assets
Total assets20/58€173,692€31,163€51,877€431€633▲ 46.7%
Fixed assets21/28€1,261€694€694€0€0-
Tangible fixed assets22/27€1,261€694€694€0€0-
Furniture and vehicles24€1,261€694€694€0€0-
Current assets29/58€172,431€30,469€51,182€431€633▲ 46.7%
Amounts receivable within one year40/41€147,262€22,092€49,327€324--
Trade receivables40€143,883€16,000€45,450---
Other amounts receivable41€3,379€6,092€3,876€324--
Cash at bank and in hand54/58€24,269€8,377€1,842€107€633▲ 491%
Deferred charges and accrued income490/1€900-€14---
Equity and liabilities
Total equity and liabilities10/49€173,692€31,163€51,877€431€633▲ 46.7%
Equity10/15-€41,294-€66,082-€59,647-€52,185-€53,097▼ 1.7%
Contributions10/11€6,200€6,200€6,200€18,600€18,600=
Reserves13€4,863€4,863€4,863€4,863€4,863=
Non-distributable reserves130/1€1,860€1,860€1,860€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860€1,860€1,860€1,860=
Distributable reserves133€3,003€3,003€3,003€3,003€3,003=
Profit (loss) carried forward14-€52,358-€77,146-€70,710-€75,648-€76,561▼ 1.2%
Amounts payable17/49€214,986€97,246€111,523€52,616€53,730▲ 2.1%
Amounts payable within one year42/48€214,986€97,246€111,139€51,844€52,558▲ 1.4%
Trade debts44€30,277€16,307€12,605€13,427€13,427=
Suppliers440/4€30,277€16,307€12,605€13,427€13,427=
Taxes, remuneration and social security45€420€210--€714-
Taxes450/3€420€210--€714-
Other amounts payable47/48€184,289€80,729€98,534€38,417€38,417=
Accrued charges and deferred income492/3--€384€772€1,172▲ 51.8%
Line20212022202320242025Change
Profit (loss) for the period9904-€36,584-€24,788€6,436-€4,938-€912▲ 81.5%
+ Depreciation and write-downs630€439€567-€694--
Operating cash flow (approximation)-€36,145-€24,222€6,436-€4,244-€912▲ 78.5%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash--€15,892-€6,536-€1,734€525▲ 130%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial Back to profitnet €6,436
Net result €6,436 after 5 loss-making years.
30-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
30-09
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
21-09
Bankruptcy Bankruptcy reversal
Tribunal de l’entreprise du Hainaut, division Charleroi · event 05-09-2022
30-05
Bankruptcy Opening
Tribunal de l’entreprise du Hainaut, division Charleroi · event 16-05-2022
2021
18-10
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 79 days late
2020
31-12
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 153 days late
2019
31-12
Financial Weakest financial yearnet -€46,180
Net result drops to -€46,180, the lowest in the series; recovery starts the following year.
14-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
12-09
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 43 days late
2017
30-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
6 acts for this company are 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, Charleroi · 1 establishment unit since 2003
seat establishment The establishment unit on the map
Ground area
1,112 m²
Building footprint
350 m²
Volume, LiDAR
2,476 m³
2 parcels, Wallonia · tallest building 16.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
EC
Avenue de l'Europe 18, 6000 CharleroiNACE 4521101
since 20032.143.610.126
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52011B0240/00R086 Wallonia 988 m² 1 · 291 m² 16.2 m · 3 fl.
52011B0240/00A066 Wallonia 124 m² 1 · 59 m² -
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Insolvency mandates

1 mandate
Role Name Tenure
Curator HERVE POLLET
RUE T’SERCLAES DE TILLY 49, 6061 MONTIGNIES-SUR-SAMBRE- . Date provisoire de cessation de paiement : 16/05/2022
16-05-2022 → 05-09-2022

Similar companies · same sector, comparable size

Of 29,785 companies in sector 41001 we hold annual accounts for 16,058. 9,685 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded14-05-2003
Fiscal year end31-12
Abbreviation FR EC
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
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