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F&A Construction

Active
Centrum-Zuid 1235 ·3530 Houthalen-Helchteren, Belgium
KBO/BCE: BE 1010.810.373
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Belgian State Gazette acts: 0 of 1 read
Age2 yrs
Real estate1 parcel · 4,017 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of F&A Construction is 0.9% (low). The 2025 annual accounts show equity of €66k and a net result of €46k. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 25-08-2026 25 d late 2026-00422817

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. 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
Young company
Founded in 2024, under 3 years, statistically higher risk.
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
0.9% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −

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€46k
Working capital€-7k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 25-08-2026 with the NBB · fiscal year 2025 · micro
Fiscal year2025
Depositmicro
Revenue-
EBITDA€85k
Net profit€46k
Cash flow€67k
Staff costs-
Income taxes€5k
Dividends-
Total assets€344k
Equity€66k
Debt€278k
of which ≤ 1y€23k
of which > 1y€255k
Working capital€-7k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.70
Quick ratio0.70
Working capital ratio-2.0%
Solvency19.1%
Debt / equity4.24
Long-term debt ratio3.89
Interest coverage6.72
Gross margin-
Net margin-
ROA13.3%
ROE69.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€344k
Fixed assets 21/28€328k
Tangible fixed assets 22/27€327k
Financial fixed assets 28€798
Current assets 29/58€16k
Amounts receivable within one year 40/41€13k
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€344k
Equity 10/15€66k
Contributions / capital 10/11€20k
Reserves 13€46k
Amounts payable 17/49€278k
Amounts payable after one year 17€255k
Amounts payable within one year 42/48€23k
Trade debts payable within one year 44€3k
Income statement
Gross operating margin 9900€87k
Operating result 9901€63k
Financial charges 65€13k
Result before taxes 9903€51k
Income taxes 67/77€5k
Net result for the period 9904€46k
Result to be appropriated 9905€46k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
48 / 100 Fair
050100
Computed from 4 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
F&A Construction
Centrum-Zuid 1235, 3530 Houthalen-HelchterenInstallatie van industriële machines, toestellen en werktuigen
since 20242.361.630.888
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area4,017 m²
Buildings1
Building footprint374 m²

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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72015C0166/00C013 Flanders 4,017 m² 1 · 374 m² 0.0 m
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

Belgian State Gazette · acts

0 of 1 acts read

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.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

4 of 5 axes measured
Health48Profitability100Solvency17Growth-Stability67
58 / 100

Mixed profile: strong on profitability, weaker on solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 48
Profitability 100
Solvency 17
Growth -
Stability 67

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 1,111 of the 11,990 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Overige bouwinstallatie43240Overige bouwinstallatie, n.e.g.43299Overige gespecialiseerde bouwactiviteiten, neg43990Overige gespecialiseerde bouwwerkzaamheden43999
Primary activity highlighted.
Names & trade names
Legal nameNL F&A Construction
Registered office
Centrum-Zuid 1235
3530 Houthalen-Helchteren, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.