Turnover
≈ €270,000 estimated
The micro format states no turnover.
FAB-CONSTRUCT
Lifetime
1 annual account with figurespeak €22,086 (2025)
€22,086
peak €14,032 (2025)
€14,032
peak €12,082 (2025)
€12,082
€19,715
Board1 name since 2024
1 directorRICOTTA Fabio
Documentsfilings and deeds
09-09-202640 days late
2025micro format
Dividend €1,950First year with figures
Key points
from the 2025 annual accountsAt the same address
265 companies
2025 accounts filed 40 days after the deadline
Checked score
51
Fair
Financially stronger than 58% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.2% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 3.6%
12-2025: 3.6%● unchanged vs 11-2025
01-2026: 3.8%▲ +0.2 percentage points vs 12-2025
02-2026: 4.1%▲ +0.3 percentage points vs 01-2026
03-2026: 4.2%▲ +0.1 percentage points vs 02-2026
04-2026: 4.6%▲ +0.4 percentage points vs 03-2026
05-2026: 4.6%● unchanged vs 04-2026
06-2026: 5.0%▲ +0.4 percentage points vs 05-2026
07-2026: 5.0%● unchanged vs 06-2026
08-2026: 4.8%▼ -0.2 percentage points vs 07-2026
09-2026: 5.1%▲ +0.3 percentage points vs 08-2026highest value
10-2026: 3.2%▼ -1.9 percentage points vs 09-2026lowest value
11-2026: 3.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: total assets €31,797
Last filed accounts filed 40 days late; 1 of the last 3 accounts late
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 41, micro). It does better than 46% of them on solvency, 39% on liquidity and 91% 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, 39,278 companies had the same profile as FAB-CONSTRUCT has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FAB-CONSTRUCT itself is higher: 3.2% within 12 months. It rests on far more data about FAB-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 39,278 companies, not a prediction for FAB-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 of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.22, below the usual 1.5. Short-term debt is 62% and cash 19.2% of total assets. 62% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises risk
raises risk · 2025 accounts filed 40 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
40 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1015575944
Incorporation
100 shares · Appointment: RICOTTA Fabio (director) · Registered office clause: Steenweg op Ruisbroek 257, 1620 Drogenbos · published on 29-10-2024 · Gazette deed
First establishment
Route d'Obourg 100, Mons
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as FAB-CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €26,800 and €33,100, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 25-10-2024Normal situation
- Registered office
- 266 active companies are registered at this address65 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- General construction of residential buildingsNACE 41001and 5 others
- Establishment unit
- 2.365.816.7367000 Mons, since 25-10-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 04-01-2026
Insights on FAB-CONSTRUCT
The computed 12-month bankruptcy probability of FAB-CONSTRUCT is 3.2% (moderate). The 2025 annual accounts show equity of €12,082 and a net result of €14,032.
Its solvency ranks better than 45% of 9,456 sector peers (NACE 41, 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 FAB-CONSTRUCT
- What is the company number of FAB-CONSTRUCT?
- The company number of FAB-CONSTRUCT is 1015.575.944. The VAT number is the same number with BE in front: BE 1015.575.944.
- Where is FAB-CONSTRUCT based?
- The registered office is at Steenweg op Ruisbroek 257, 1620 Drogenbos.Company details
- What does FAB-CONSTRUCT do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of FAB-CONSTRUCT?
- FAB-CONSTRUCT is a private limited company (BV).
- When was FAB-CONSTRUCT founded?
- FAB-CONSTRUCT was founded on 25-10-2024.
- Is FAB-CONSTRUCT still active?
- Yes, FAB-CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of FAB-CONSTRUCT?
- The turnover in financial year 2025 is ≈ €270,000. This figure is estimated from the gross margin of €22,086 and 263 comparable companies (NACE 41001). It probably lies between €140,000 and €480,000. It is a rough estimate.Financials
- Is FAB-CONSTRUCT profitable?
- In financial year 2025, FAB-CONSTRUCT made a profit of €14,032.
- Where can I find the annual accounts of FAB-CONSTRUCT?
- FAB-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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