FAB Construction
ActiveSummary
The computed 12-month bankruptcy probability of FAB Construction is 1.8% (moderate). The 2025 annual accounts show equity of €107k and a net result of €38k. Equity is growing by ~41.5% per year across the filed fiscal years. Its solvency ranks better than 90% of 7453 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+34
Solvency100=
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 5.37 against 9.67 in 2024; short-term debt: 16% and cash: 16.8% of total assets), and 16% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
84%
Return on assets
30.3%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-05-2026, 30 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 · 4 filingsDeviation from the deadline
2025
30 d late
2024
28 d late
2023
49 d early
2022
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 56.4%
2024 · €68k
2022: €15k
2023: €70k
2024: €68k
2022 → 2025
Total assets
€127k▲ 68.4%
2024 · €75k
2022: €25k
2023: €91k
2024: €75k
2022 → 2025
Net result
€38k
2024 · €-2k
2022: €12k
2023: €55k
2024: €-2k
2022 → 2025
Working capital
€88k▲ 42.1%
2024 · €62k
2022: €7k
2023: €61k
2024: €62k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€15k-€70k▲ 367%€68k▼ 2.3%€107k▲ 56.4%
Operating result€15k-€69k▲ 365%€-2k€39k
Net result€12k-€55k▲ 360%€-2k€38k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €39k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €127k
Fixed assets
€18k ▲ 204%
Current assets
€109k ▲ 56.6%
Equity and liabilities €127k
Equity
€107k ▲ 56.4%
Debt
€20k ▲ 182%
Debt's share of the balance-sheet total rises from 9.5% to 16.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€44k▲
2024 · €3k
Cash flow
€43k▲
2024 · €3k
Current ratio
5.37▼
2024 · 9.67
Debt to equity
0.19▲
2024 · 0.11
ROE
36.1%▲
2024 · -2.4%
ROA
30.3%▲
2024 · -2.1%
Interest coverage
153.77▲
2024 · 132.83
Debt ≤ 1 year
€20k▲
2024 · €7k
Staff costs
€1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€75k€127k▲
Fixed assets21/28€6k€18k▲
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€4k€17k▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€2k€14k▲
Current assets29/58€69k€109k▲
Amounts receivable within one year40/41€17k€37k▲
Trade receivables40€16k€35k▲
Other amounts receivable41€1k€3k▲
Current investments50/53-€50k
Cash at bank and in hand54/58€52k€21k▼
Equity and liabilities
Total equity and liabilities10/49€75k€127k▲
Equity10/15€68k€107k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€65k€104k▲
Amounts payable17/49€7k€20k▲
Amounts payable within one year42/48€7k€20k▲
Trade debts44€1k€11k▲
Suppliers440/4€1k€11k▲
Taxes, remuneration and social security45€4k€9k▲
Taxes450/3-€2k
Remuneration and social security454/9€4k€7k▲
Other amounts payable47/48€2k-
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61-€253k
Remuneration, social security and pensions62-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€786€2k▲
Gross operating margin9900€4k€47k▲
Operating profit (loss)9901€-2k€39k▲
Financial income75/76B€158€164▲
Recurring financial income75€158€164▲
Financial charges65/66B€24€283▲
Recurring financial charges65€24€283▲
Profit (loss) for the period before taxes9903€-2k€38k▲
Profit (loss) for the period9904€-2k€38k▲
Profit (loss) for the period to be appropriated9905€-2k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€65k€104k▲
Profit (loss) brought forward from the previous period14P€67k€65k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
30-09
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
30-09
Financial
Equity above €100kEq €107k ▲56.4%
Equity rises from €68k to €107k.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-09
Financial
Weakest financial yearnet €-2k ▼103%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity doublescurrent ratio 9.67
Current ratio from 3.89 to 9.67; short-term debt falls from €21k to €7k.
12-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2022net €55k ▲360%
Operating result €69k, net result €55k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 3.89
Current ratio from 1.63 to 3.89.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Schoten · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Zamenhoflaan 32900 SchotenGround area
852 m²
Building footprint
325 m²
Volume, LiDAR
4,009 m³
Parcel 11442C0170/00P015, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
FAB Construction
since 20212.326.154.228
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11442C0170/00P015 | Flanders | 852 m² | 1 · 325 m² | 15.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
CENO
BE 0889.410.321
Machelen (Brab.) · Eq €106,722
GILAUR
BE 0431.905.465
Lasne · Eq €106,760
VAN HOORDE
BE 0870.685.262
Zottegem · Eq €106,768
Tconcept
BE 0755.909.815
Liège · Eq €106,832
Immobiliére PONROL
BE 0451.235.486
Bertrix · Eq €106,836
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,078 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2021
Fiscal year end30-09
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43211General electrical installation work
43212Electrical installation work in industrial facilities
43240Other construction installation
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.