Equity
-€263,919
Debts exceed assets in financial year 2025.
F.M. CONSTRUCT
Lifetime
20 annual accounts with figures on one time axis, 34 filings since 1992peak €69,713 (2014)
€37,290▼ 8.0%
lowest -€126,594 (2008)
-€17,459▼ €662
peak €275,514 (2006)
-€263,919▼ €17,459
€397,981▼ 3.5%
Board3 names since 2016
2 directors and 1 other
Documentsfilings and deeds
28-07-20263 days before the deadline
2025micro format
Loss of €17,459
Key points
from the 2025 annual accountsLosses
-€259,943 in eleven years
Every financial year from 2015 to 2025 closed with a loss. 2023 was the heaviest.
Turnover
≈ €100,000 estimated
The micro format states no turnover.
Debts
€397,981 297% of the balance sheet
After one year 16%Within one year 84%
Of this, €335,212 falls due within a year.
Filings
34 annual accounts since 1992
The last five annual accounts were filed 3 to 44 days before the end of the period.
Position in the sector
-196.9%
Lower solvency than 95% of companies in real estate. Sector median 31.0% · 19,803 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 6,618 companies had the same profile as F.M. CONSTRUCT has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,331 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 6,618 companies, not a prediction for F.M. 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.
Credit verdict
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Board and ownership
Director, since 29-08-2016
Director, since 29-08-2016
- 2,480 sharesdeed of 05-06-2023
- deed of 05-06-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0443302371
2 directors appointed, 3 resignations
Resignations: , and · Appointments: (director) and (director) · holds 2,480 shares · General meeting of 31-05-2023 · Gazette deed
3 directors reappointed
, and · Permanent representative: · General meeting of 29-08-2016 · Gazette deed
First establishment
Gentsestraat 88, Sint-Lievens-Houtem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| F.M. CONSTRUCT Sint-Lievens-Houtem | €134,062 | €37,290 | -196.9% | - |
| DFE Aalter | €149,504 | €40,298 | 88.8% | - |
| MEEZE BOSSAER Bredene | €162,479 | €37,148 | 77.3% | - |
| Centre Montois d'Etudes Immobilières Mons | €161,180 | €35,877 | 77.6% | - |
| IMPACT CONSULTING Hasselt | €160,630 | €45,034 | -141.6% | - |
| BPI INVEST Jette | €111,881 | €41,179 | 30.9% | 0.5 |
| Comptabilité Contracts Management Jette | €137,410 | €22,741 | 71.1% | - |
These companies have the same main activity as F.M. CONSTRUCT: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €112,000 and €162,000, founded between 1989 and 1993.
Official details
Source: KBO- Status
- Active since 13-02-1991Normal situation
- Activity
- Development of residential building projectsNACE 68121
- Establishment unit
- 2.051.807.0499520 Sint-Lievens-Houtem, since 01-04-1992
- Financial year end
- 31 December
- Peppol
- Reachable since 28-11-2025
Annual accounts 2025
- €134,062▼ 19.2%
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on F.M. CONSTRUCT
F.M. CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from -€42,251 in 2006 to €37,290 in 2025.
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.M. CONSTRUCT
- What is the company number of F.M. CONSTRUCT?
- The company number of F.M. CONSTRUCT is 0443.302.371. The VAT number is the same number with BE in front: BE 0443.302.371.
- Where is F.M. CONSTRUCT based?
- The registered office is at Gentsestraat 88A, 9520 Sint-Lievens-Houtem.Company details
- What does F.M. CONSTRUCT do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of F.M. CONSTRUCT?
- F.M. CONSTRUCT is a public limited company (NV).
- When was F.M. CONSTRUCT founded?
- F.M. CONSTRUCT was founded on 13-02-1991.
- Is F.M. CONSTRUCT still active?
- Yes, F.M. CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of F.M. CONSTRUCT?
- The turnover in financial year 2025 is ≈ €100,000. This figure is estimated from the gross margin of €37,290 and 32 comparable companies (NACE 681). It probably lies between €56,000 and €210,000.Financials
- Is F.M. CONSTRUCT profitable?
- In financial year 2025, F.M. CONSTRUCT made a loss of €17,459.
- Where can I find the annual accounts of F.M. CONSTRUCT?
- F.M. CONSTRUCT filed 34 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of F.M. CONSTRUCT due?
- F.M. CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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 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 See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.