F&G Construction
ActiveSummary
The computed 12-month bankruptcy probability of F&G Construction is 2.8% (moderate). The 2024 annual accounts show equity of €18k and a net result of €18k. Its solvency ranks better than 55% of 5893 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes
Profitability100
Solvency72
Growth-
Track record67
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.88; short-term debt: 53.1% and cash: 49.7% of total assets), but 53.1% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
46.9%
Return on assets
46.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-09-2025, 46 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
2024
46 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€18k
Total assets
€39k
Net result
€18k
Working capital
€18k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €39k
Equity
€18k
Debt
€21k
Debt finances 53.1% of the balance-sheet total.
Key figures and ratios
Current ratio
1.88
Debt to equity
1.13
ROE
99.5%
ROA
46.6%
Debt ≤ 1 year
€21k
Income taxes
€5k
Filed annual accounts As filed with the NBB · 2024 · 25 lines
Balance sheet
Code2024
Assets
Total assets20/58€39k
Current assets29/58€39k
Amounts receivable within one year40/41€20k
Trade receivables40€6k
Other amounts receivable41€14k
Cash at bank and in hand54/58€19k
Equity and liabilities
Total equity and liabilities10/49€39k
Equity10/15€18k
Contributions10/11€100
Profit (loss) carried forward14€18k
Amounts payable17/49€21k
Amounts payable within one year42/48€21k
Trade debts44€8k
Suppliers440/4€8k
Taxes, remuneration and social security45€13k
Taxes450/3€13k
Income statement
Code2024
Gross operating margin9900€23k
Operating profit (loss)9901€23k
Financial charges65/66B€34
Recurring financial charges65€34
Profit (loss) for the period before taxes9903€23k
Income taxes67/77€5k
Profit (loss) for the period9904€18k
Profit (loss) for the period to be appropriated9905€18k
Appropriation of the result
Profit (loss) to be appropriated9906€18k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 |
|---|---|
| Gross operating margin9900 | €23k |
| Operating profit (loss)9901 | €23k |
| Financial charges65/66B | €34 |
| Recurring financial charges65 | €34 |
| Profit (loss) for the period before taxes9903 | €23k |
| Income taxes67/77 | €5k |
| Profit (loss) for the period9904 | €18k |
| Profit (loss) for the period to be appropriated9905 | €18k |
| Line | 2024 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €39k | |
| Current assets29/58 | €39k | |
| Amounts receivable within one year40/41 | €20k | |
| Trade receivables40 | €6k | |
| Other amounts receivable41 | €14k | |
| Cash at bank and in hand54/58 | €19k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €39k | |
| Equity10/15 | €18k | |
| Contributions10/11 | €100 | |
| Profit (loss) carried forward14 | €18k | |
| Amounts payable17/49 | €21k | |
| Amounts payable within one year42/48 | €21k | |
| Trade debts44 | €8k | |
| Suppliers440/4 | €8k | |
| Taxes, remuneration and social security45 | €13k | |
| Taxes450/3 | €13k | |
| Line | 2024 |
|---|---|
| Profit (loss) for the period9904 | €18k |
| Operating cash flow (approximation) | €18k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 46 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, Wijnegem · 1 establishment unit since 2024
Ground area
236 m²
Building footprint
73 m²
Volume, LiDAR
398 m³
Parcel 11050B0046/00E004, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
F&G Construction
since 20242.362.488.844
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11050B0046/00E004 | Flanders | 236 m² | 1 · 73 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
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NET COM NEUF
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Of 7,006 companies in sector 81220 we hold annual accounts for 2,414. 1,757 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
Founded23-07-2024
Fiscal year end31-12
Activities, NACEBEL 2025
81220Other building cleaning and industrial cleaning
43350Other building finishing work
43421Specialised construction activities
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.