Turnover
≈ €73,000 estimated
The micro format states no turnover.
F&L CONSTRUCT
Overview
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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The scores and ratios are Checked's own calculations, not a credit decision.
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
- €5,406
- €641
- €641
- €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.
Financials
Annual accounts 2025
micro format, filed on 22-07-2026, 9 days before the deadline€5,406
€4,002
€641
-€1,718
5.6%
0.84
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €73,000. Estimated: probably between €39,000 and €140,000.
Balance sheet
balance sheet total €11,419 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
5.6%
Higher than 11% of 35,136 companies in 2025.
0.84
Higher than 15% of 34,510 companies in 2025.
5.6%
Higher than 45% of 34,711 companies in 2025.
F&L CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
11,419 | |
21/28 |
2,360 | |
22/27 |
2,360 | |
24 |
2,360 | |
29/58 |
9,059 | |
40/41 |
9,004 | |
40 |
8,855 | |
41 |
149 | |
54/58 |
55 | |
| Balance sheet: equity and liabilities | ||
10/49 |
11,419 | |
10/15 |
641 | |
14 |
641 | |
17/49 |
10,777 | |
42/48 |
10,777 | |
44 |
3,628 | |
440/4 |
3,628 | |
45 |
2,320 | |
450/3 |
2,320 | |
47/48 |
4,829 | |
| Income statement | ||
9900 |
5,406 | |
630 |
808 | |
640/8 |
595 | |
9901 |
4,002 | |
65/66B |
1,040 | |
65 |
1,040 | |
9903 |
2,962 | |
67/77 |
2,320 | |
9904 |
641 | |
9905 |
641 | |
| Appropriation of the result | ||
9906 |
641 | |
| Document | ||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 22-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 22-07-2026 | 2026-00330207 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 4,811 | ||
| 1,450 | ||
| 3,168 | ||
| -1,718 | ||
| 5.6% | ||
| 0.84 | ||
| 5.6% | ||
| 4.62 |
The equity ratios are withheld because equity of €641 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €3,168 |
| €808 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on F&L CONSTRUCT
Debt's share of the balance-sheet total is 94.4%.
Board & ownership
Board
1 director, since incorporation- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 13 : Représentation de la société L’administrateur (chacun des administrateurs) représente la société à l'égard des tiers et en…”deed of 02-12-2024
Mandates through the years
1 name, the dashed line is todayROCHA CATARRO Francisco
Director
Director
Board
Mandates as a list
- ROCHA CATARRO Francisco
- Director, appointed by deed of 02-12-2024, still in office
Control
Capital
- Contribution
- €1,000
- Shares
- 1,000
- Contribution per share
- €1
- Equity per share
- €0.64 in 2025
- Source
- deed of 02-12-2024
Articles of association
deed of 02-12-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- 1,000 shares
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitie cedant moitie acquereurs au prorata, organe administration”
- Membership ruleThe articles set who can become a member or partner, and on what terms.
- “Authentique avant fin chaque exercice demande organe administration, apres 6eme mois cloture exercice”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of May at 17:00
Shareholders
At incorporation
deed of 02-12-2024 ↗
- ROCHA CATARRO Francisco 1,000 shares (100%) · €1,000 in cash
Network & group
No group
F&L CONSTRUCT has no parent and no holdings in its annual accounts. ROCHA CATARRO Francisco is the only director. F&L CONSTRUCT shares no director with another company.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 9 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:1016742914
2024
IncorporationFounding capital of €1,000, 1,000 shares · Founder: ROCHA CATARRO Francisco · Appointment: ROCHA CATARRO Francisco (director) · published on 02-12-20243 points ▸
- Founder, ROCHA CATARRO Francisco
- Founding capital, €1,000, 1,000 shares
- Director appointment, ROCHA CATARRO Francisco
- The deed holds 7 more points.
First establishment Spinnerijstraat 20, Sint-Gillis (bij-Brussel)
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1016.742.914
- VAT number
- BE 1016.742.914
- Peppol ID
- 0208:1016742914
- Other Peppol ID
- 9925:BE1016742914
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 28-11-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of May at 17:00deed of 02-12-2024 (in French)
- Peppol
- Reachable since 08-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- F&L CONSTRUCT in French
- Name in the Peppol Directory
- Francisco Rocha Catarro
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 02-12-2024 (in French)
Activities
NACEBEL 202543990
Other specialised construction activities main activity
Codes under NACEBEL 2008
43995
Specialised construction activities main activity
43999
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’entreprise de nettoyage et de désinfection de maisons et de locaux,entretien de surface,entretien et restauration de meubles,ameublement…”deed of 02-12-2024 (in French)
26 activities
- L’entreprise de nettoyage et de désinfection de maisons et de locaux,entretien de surface,entretien et restauration de meubles,ameublement et objets divers
- L’entreprise de lavage de vitres
- Autres activités de nettoyage des bâtiments;nettoyage industriel
- Le nettoyage extérieur de bâtiments de tous types,y compris les bureaux,les usines,les magasins,les locaux d’institutions,les autres locaux à usage commercial et professionnel et les immeubles à appartements
- Le nettoyage extérieur de bâtiments de tous types,y compris les bureaux,les usines,les magasins,les locaux d’institutions,les autres locaux à usage commercial et professionnel et les immeubles à appartements
- Les activités de nettoyage spécialisé de bâtiments,telles que le nettoyage des vitres,le ramonage des cheminées et le nettoyage des âtres,des fourneaux,des incinérateurs,des chaudières,des gaines de ventilation et des dispositifs d’évacuation des fumées
- Le nettoyage de machines industrielles
- Autres activités de nettoyage des bâtiments et de nettoyage industriel
- L’entreprise du bâtiment (immeubles d’habitation,industriels ou commerciaux),sans limitation d’activité,celles qui seraient réglementées et débutant à partir des agréations,en ce compris l’entreprise générale,à titre exemplatif mais non limitatif
- La construction,la transformation,l’achèvement,l’aménagement,la réparation,l’entretien,le nettoyage,le ferraillage du béton le traitement et la démolition d’immeubles ainsi que toutes opérations comportant à la fois la fourniture d’un bien meuble et son placement dans un immeuble de telle manière que ce bien meuble devienne immeuble par nature
- Toutes opérations relatives à un bureau d’études de stabilité,d’HVAC,de sanitaires,d’électricité et acoustique qui serait chargé notamment de l’établissement d’études,plans,coordination en ces domaines
- Toutes installations générales électriques (installations et raccords de tableaux divisionnaire haute et basse tension,groupes électrogènes) ainsi que l’éclairage pour l’aménagement extérieur
- Toutes installations électriques,de mécanisme de protection contre le vol et l’incendie
- Toutes installations de sanitaire,de plomberie,de toitures et toutes autres installations techniques similaires
- Toutes opérations comportant à la fois la fabrication,la fourniture,la fixation et l’installation de châssis,de volets,de persiennes,de hottes,de ventilateurs,d’armoires de rangement en bois,aluminium,PVC et en toutes matières quelconques sans que cette liste ne soit exhaustive
- La fabrication,l’achat,la vente en gros ou détail et la commercialisation en général des matériels nécessaires à la construction ou à la rénovation d’immeubles
- L’activité d’intermédiaire dans de telles opérations
- L’entreprise d’installation d’échafaudages,de rejointoiement et de nettoyage de façades
- Toutes activités en rapport avec la manutention et le déménagement
- Les activités relatives aux promoteurs immobiliers c’est-à-dire,l’achat,la construction,la location,la vente d’immeubles ou de terrains bâtis ou non bâtis
- La gérance et l’administration de toutes constructions privées,commerciale,industrielle ou publique
- Les activités relatives aux promoteurs immobiliers c’est-à-dire,l’achat,la construction,la location,la vente d’immeubles ou de terrains bâtis ou non bâtis
- La gérance et l’administration de toutes constructions privées,commerciales,industrielles ou publiques
- Elle pourra effectuer les opérations relatives à un bureau d’études qui serait chargé notamment de l’organisation d’espaces de bureaux,industriels ou commerciaux,l’établissement d’études,plans,coordination en ces domaines
- L’achat et la revente de produits et articles de décorations,l’achat et la revente de mobilier d’aménagement pour bureau,commerce,industrie,habitation
- L’entretien et la création de parcs,de jardins,d’espaces verts ainsi que la désinfection et la dératisation
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Spinnerijstraat 20 registered office 1060 Sint-Gillis (bij-Brussel) 2511001 Manufacture of metal structures and parts of structures | 28-11-2024 | 2.368.759.695 |
Buildings and parcels at the address
- Ground area
- 61 m²
- Buildings
- 61 m²
- Volume, LiDAR
- 796 m³
- Tallest building
- 17.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21013B0135/00R003 | 61 m² | 1 · 61 m² | 17.2 m · 5 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1016.742.914