F.B.R. CONSTRUCTION GENERALE
ActiveSummary
F.B.R. CONSTRUCTION GENERALE has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €179k and a net result of €1k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 62% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-2
Solvency80▼-8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.02 against 2.93 in 2024; short-term debt: 25.9% and cash: 5.3% of total assets), and 44.8% of the assets are financed with debt.
Credit advice 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 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
55.2%
Return on assets
0.3%
Age of the figures
9 mo
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
7 d early
2023
30 d early
2022
3 d early
2021
5 d late
2020
20 d late
2019
49 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€179k▼ 16.1%
2024 · €214k
2018: €126k
2019: €145k
2020: €147k
2021: €154k
2022: €213k
2023: €207k
2024: €214k
2018 → 2025
Total assets
€324k▼ 4.0%
2024 · €338k
2018: €214k
2019: €254k
2020: €295k
2021: €277k
2022: €337k
2023: €326k
2024: €338k
2018 → 2025
Net result
€1k▼ 82.9%
2024 · €6k
2018: €17k
2019: €19k
2020: €2k
2021: €7k
2022: €59k
2023: €-6k
2024: €6k
2018 → 2025
Working capital
€170k▲ 2.1%
2024 · €166k
2018: €119k
2019: €123k
2020: €122k
2021: €120k
2022: €178k
2023: €173k
2024: €166k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€154k-€213k▲ 38.3%€207k▼ 2.6%€214k▲ 3.1%€179k▼ 16.1%
Operating result€16k-€90k▲ 450%€-3k€11k€8k▼ 23.1%
Net result€7k-€59k▲ 712%€-6k€6k€1k▼ 82.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €324k
Fixed assets
€70k ▼ 17.1%
Current assets
€254k ▲ 0.4%
Equity and liabilities €324k
Equity
€179k ▼ 16.1%
Debt
€145k ▲ 16.8%
Debt's share of the balance-sheet total rises from 36.8% to 44.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€26k▼
2024 · €29k
Cash flow
€19k▼
2024 · €25k
Current ratio
3.02▲
2024 · 2.93
Debt to equity
0.81▲
2024 · 0.58
ROE
0.6%▼
2024 · 3.0%
ROA
0.3%▼
2024 · 1.9%
Interest coverage
8.16▼
2024 · 10.60
Debt ≤ 1 year
€84k▼
2024 · €86k
Debt > 1 year
€61k▲
2024 · €38k
Income taxes
€4k▲
2024 · €1k
Staff costs
€141k▲
2024 · €138k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€338k€324k▼
Fixed assets21/28€85k€70k▼
Tangible fixed assets22/27€85k€70k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€4k€3k▼
Leasing and similar rights25€48k€38k▼
Other tangible fixed assets26€29k€28k▼
Financial fixed assets28€290€290=
Current assets29/58€253k€254k▲
Amounts receivable within one year40/41€246k€227k▼
Trade receivables40€37k€52k▲
Other amounts receivable41€209k€175k▼
Cash at bank and in hand54/58€6k€17k▲
Deferred charges and accrued income490/1€898€10k▲
Equity and liabilities
Total equity and liabilities10/49€338k€324k▼
Equity10/15€214k€179k▼
Contributions10/11€32k€32k=
Reserves13€181k€147k▼
Distributable reserves133€181k€147k▼
Amounts payable17/49€124k€145k▲
Amounts payable after more than one year17€38k€61k▲
Financial debts170/4€38k€61k▲
Amounts payable within one year42/48€86k€84k▼
Current portion of amounts payable after more than one year42€14k€20k▲
Trade debts44€43k€41k▼
Suppliers440/4€43k€41k▼
Taxes, remuneration and social security45€29k€22k▼
Taxes450/3€9k€5k▼
Remuneration and social security454/9€20k€17k▼
Income statement
Code20242025
Non-recurring operating income76A€43k€13▼
Remuneration, social security and pensions62€138k€141k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€60
Gross operating margin9900€169k€168k▼
Operating profit (loss)9901€11k€8k▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Non-recurring financial charges66B€300€138▼
Profit (loss) for the period before taxes9903€8k€5k▼
Income taxes67/77€1k€4k▲
Profit (loss) for the period9904€6k€1k▼
Profit (loss) for the period to be appropriated9905€6k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€854€1k▲
Profit (loss) brought forward from the previous period14P€-6k-
Transfer from equity791/2€6k€36k▲
Transfer to equity691/2€6k€1k▼
To other reserves6921€6k€1k▼
Profit to be distributed694/7-€36k
Directors or managers695-€36k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-6k ▼110%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €59k ▲712%
Operating result €90k, net result €59k, both a record.
31-12
Financial
Equity above €200kEq €213k ▲38.3%
5 profitable years in a row build equity to €213k.
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
31-12
Financial
Equity above €150kEq €154k ▲4.9%
4 profitable years in a row build equity to €154k.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
Show earlier events
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Chapelle-lez-Herlaimont · 1 establishment unit since 1996
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue du Chêne 977160 Chapelle-lez-HerlaimontGround area
1,455 m²
Building footprint
149 m²
Volume, LiDAR
906 m³
Parcel 52010A0207/00Y002, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Chêne 97, 7160 Chapelle-lez-Herlaimont
since 19962.077.346.951
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52010A0207/00Y002 | Wallonia | 1,455 m² | 1 · 149 m² | 8.0 m · 2 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
Mika Invest
BE 0730.819.576
Zelzate · Eq €179,127
S.T.D. MAINTENANCE
BE 0454.970.580
Manage · Eq €179,188
J&W CONSTRUCT
BE 0770.811.686
Stabroek · Eq €179,051
VANAKEL GROUP
BE 0775.582.306
Zaventem · Eq €179,233
HAPPY BUILD
BE 0700.592.396
Gent · Eq €179,036
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,322 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
Founded24-04-1996
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.