Turnover
≈ €73,000 estimated
The micro format states no turnover.
F&L CONSTRUCT
Lifetime
1 annual account with figurespeak €5,406 (2025)
€5,406
peak €641 (2025)
€641
peak €641 (2025)
€641
€10,777
Board1 name since 2024
1 directorROCHA CATARRO Francisco
Documentsfilings and deeds
22-07-20269 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsDebts
€10,777 94% of the balance sheet
Suppliers 34%Taxes and wages 22%Other 45%
Position in the sector
€641
Less equity than 90% of companies in specialised construction. Sector median €57,691 · 35,148 companies.
Checked score
50
Fair
Financially stronger than 15% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 2.0%lowest value
01-2026: 2.0%● unchanged vs 12-2025lowest value
02-2026: 2.0%● unchanged vs 01-2026
03-2026: 2.4%▲ +0.4 percentage points vs 02-2026
04-2026: 2.5%▲ +0.1 percentage points vs 03-2026
05-2026: 2.8%▲ +0.3 percentage points vs 04-2026
06-2026: 2.8%● unchanged vs 05-2026
07-2026: 3.1%▲ +0.3 percentage points vs 06-2026highest value
08-2026: 2.4%▼ -0.7 percentage points vs 07-2026
09-2026: 2.3%▼ -0.1 percentage points vs 08-2026
10-2026: 2.5%▲ +0.2 percentage points vs 09-2026
11-2026: 2.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Founded in 2024
Sector: Specialised construction activities (NACE 43)
Liquidity: current ratio 0.84, cash €55
lowers risk
Size: total assets €11,419
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 11% of them on solvency, 2% on liquidity and 31% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 320 companies had the same profile as F&L CONSTRUCT has now. Each dot is one company, two years later.
96.3%
were still trading
2.5%
stopped another way
0.9%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of F&L CONSTRUCT itself is higher: 2.5% within 12 months. It rests on far more data about F&L CONSTRUCT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 320 companies, not a prediction for F&L CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
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Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 35136 sector peers (2025).
NBB · sector comparisonPosition among 35136 sector peers
Solvency
better than 11%
← weakest
strongest →
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 22-07-2026, 9 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
9 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016742914
Incorporation
Founding capital of €1,000, 1,000 shares · Founder: ROCHA CATARRO Francisco · Appointment: ROCHA CATARRO Francisco (director) · published on 02-12-2024 · Gazette deed
First establishment
Spinnerijstraat 20, Sint-Gillis (bij-Brussel)
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| F&L CONSTRUCT Sint-Gillis (bij-Brussel) | €11,419 | €5,406 | 5.6% | - |
| BatiNex Namur | €11,381 | €5,365 | 53.9% | - |
| RRB CONSTRUCT Grimbergen | €12,987 | €5,154 | 37.8% | - |
| PÈRE ET FILS COMPANY Dilbeek | €12,015 | €5,871 | 11.4% | - |
| Climo Zandstralen Hasselt | €12,835 | €6,154 | 91.2% | - |
| Hamoss Zele | €11,650 | €4,028 | 20.0% | - |
| EG&CO Schaerbeek | €14,687 | €7,170 | 56.2% | - |
These companies have the same main activity as F&L CONSTRUCT: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €11,400 and €14,700, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 28-11-2024Normal situation
- Activity
- Other specialised construction activitiesNACE 43990
- Establishment unit
- 2.368.759.6951060 Sint-Gillis (bij-Brussel), since 28-11-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 08-01-2026
Annual accounts 2025
- €11,419
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on F&L CONSTRUCT
The computed 12-month bankruptcy probability of F&L CONSTRUCT is 2.5% (moderate). The 2025 annual accounts show equity of €641 and a net result of €641.
Its solvency ranks better than 11% of 35,136 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about F&L CONSTRUCT
- What is the company number of F&L CONSTRUCT?
- The company number of F&L CONSTRUCT is 1016.742.914. The VAT number is the same number with BE in front: BE 1016.742.914.
- Where is F&L CONSTRUCT based?
- The registered office is at Spinnerijstraat 20, 1060 Sint-Gillis (bij-Brussel).Company details
- What does F&L CONSTRUCT do?
- According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
- What is the legal form of F&L CONSTRUCT?
- F&L CONSTRUCT is a private limited company (BV).
- When was F&L CONSTRUCT founded?
- F&L CONSTRUCT was founded on 28-11-2024.
- Is F&L CONSTRUCT still active?
- Yes, F&L CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of F&L CONSTRUCT?
- The turnover in financial year 2025 is ≈ €73,000. This figure is estimated from the gross margin of €5,406 and 201 comparable companies (NACE 43990). It probably lies between €39,000 and €140,000. It is a rough estimate.Financials
- Is F&L CONSTRUCT profitable?
- In financial year 2025, F&L CONSTRUCT made a profit of €641.
- Where can I find the annual accounts of F&L CONSTRUCT?
- F&L CONSTRUCT filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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