FD CONSTRUCT
Overview
Lifetime
11 annual accounts with figures on one time axisKey points
from the 2025 annual accountsChecked score
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Financial strengthStrong
Score breakdown
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 30% of them on solvency, 63% on liquidity, 91% on profitability and 93% on growth.
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 low class on 30-06-2025, 0.8% 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, 5,053 companies had the same profile as FD CONSTRUCT has now. Each dot stands for 13 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FD CONSTRUCT itself: 0.7% within 12 months.
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 5,053 companies, not a prediction for FD 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
Liquidity is tight, with a current ratio of 1.29 (0.54 in 2024), below the usual 1.5. Short-term debt is 76.4% and cash 86.7% of total assets. 76.4% of the assets are financed with debt and provisions.
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
The company filed its last 7 accounts on average 158 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
Recent changes
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FD CONSTRUCT Binche | €37,254 | €27,358 | 23.6% | - |
| STENAN Heist-op-den-Berg | €42,509 | €19,350 | 45.6% | - |
| VNR-CONCEPT Izegem | €53,000 | €19,546 | 80.1% | - |
| CT Menuiserie Hotton | €49,170 | €18,817 | 61.3% | - |
| Degraeve Pedro Staden | €59,391 | €17,885 | 67.0% | - |
| DIRK VAN HOEGAERDEN Pajottegem | €75,537 | €25,198 | 9.2% | - |
| BUZZETTA CONSTRUCTION Bernissart | €63,770 | €55,787 | 5.5% | - |
These companies have the same main activity as FD CONSTRUCT: general construction of other non-residential buildings (NACE 41003). They are comparable in size and age: total assets between €42,500 and €75,500, founded between 2010 and 2015.
Official details
Source: KBO- Status
- Active since 31-12-2013Normal situation
- Activity
- General construction of other non-residential buildingsNACE 41003
- Establishment unit
- 2.225.723.8917130 Binche, since 01-01-2014
- Financial year end
- 31 December
- Peppol
- Reachable since 29-12-2025
Annual accounts 2025
- €27,358▲ 758%
- ≈ €130,000estimated
- €21,435
- €8,790
- €37,254▲ 95.5%
- ≈ 0 FTEestimated
- Filing
- Filed on 31-08-2026
Insights on FD CONSTRUCT
FD CONSTRUCT files the abbreviated format. That format states no turnover. The gross margin rose from €620 in 2014 to €27,358 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 31-08-2026, 31 days lateThe turnover shown is an estimate from the gross margin.
Turnover ≈ €130,000. Estimated: probably between €78,000 and €320,000.
Balance sheet
balance sheet total €37,254 on 31-12-2025in euro
in euro
Position in the sector
23.6%
Higher than 33% of 2,818 companies in 2025.
1.29
Higher than 37% of 2,746 companies in 2025.
57.5%
Higher than 95% of 2,782 companies in 2025.
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||
20/58 |
37,254 | 19,052 | 10,557 | 13,124 | 9,604 | 8,743 | 9,432 | 5,960 | 4,596 | 5,937 | 7,935 | |
21/28 |
548 | 1,925 | 3,435 | 695 | 127 | 1,292 | 1,598 | - | 90 | 398 | 435 | |
22/27 |
548 | 1,925 | 3,435 | 695 | 127 | 1,292 | 1,598 | 0 | 90 | 398 | 435 | |
23 |
- | - | - | - | 127 | 652 | 317 | - | 90 | 398 | 435 | |
24 |
548 | 1,925 | 3,435 | 695 | - | 640 | 1,281 | - | - | - | - | |
29/58 |
36,706 | 17,127 | 7,122 | 12,429 | 9,477 | 7,451 | 7,834 | 5,960 | 4,506 | 5,539 | 7,500 | |
40/41 |
4,418 | 6,125 | 6,972 | 9,358 | 9,074 | 5,330 | 3,264 | 534 | 864 | 3,611 | 1,597 | |
40 |
2,799 | 5,555 | 6,842 | 9,189 | 8,562 | 4,779 | 2,547 | - | - | 2,941 | 841 | |
41 |
1,619 | 570 | 130 | 169 | 512 | 551 | 717 | 534 | 864 | 670 | 756 | |
54/58 |
32,288 | 11,002 | 150 | 3,071 | 403 | 2,121 | 4,570 | 5,366 | 3,642 | 1,928 | 5,903 | |
490/1 |
- | - | - | - | - | - | - | 60 | - | - | - | |
| Balance sheet: equity and liabilities | ||||||||||||
10/49 |
37,254 | 19,052 | 10,557 | 13,124 | 9,604 | 8,743 | 9,432 | 5,960 | 4,596 | 5,937 | 7,935 | |
10/15 |
8,790 | -12,645 | -12,594 | -15,046 | -26,001 | -2,699 | 4,079 | 2,336 | -270 | -1,885 | 6,092 | |
10/11 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
10 |
6,200 | 6,200 | 6,200 | - | - | - | - | - | - | - | - | |
100 |
18,600 | 18,600 | 18,600 | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
12,400 | 12,400 | 12,400 | - | - | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
13 |
1,860 | - | - | - | - | - | - | - | - | - | - | |
130/1 |
1,860 | - | - | - | - | - | - | - | - | - | - | |
130 |
1,860 | - | - | - | - | - | - | - | - | - | - | |
14 |
730 | -18,845 | -18,794 | -21,246 | -32,201 | -8,899 | -2,121 | -3,864 | -6,470 | -8,085 | -108 | |
17/49 |
28,464 | 31,697 | 23,151 | 28,170 | 35,605 | 11,442 | 5,353 | 3,624 | 4,866 | 7,822 | 1,843 | |
42/48 |
28,464 | 31,697 | 23,151 | 28,170 | 35,605 | 11,442 | 5,353 | 3,624 | 4,866 | 7,822 | 1,843 | |
44 |
8,503 | 12,942 | 6,145 | 12,188 | 12,730 | 4,004 | 2,594 | 562 | 157 | 2,461 | 95 | |
440/4 |
8,503 | 12,942 | 6,145 | 12,188 | 12,730 | 4,004 | 2,594 | 562 | 157 | 2,461 | 95 | |
45 |
3,636 | 1,754 | 225 | 73 | 11,309 | 7,111 | 2,433 | 3,007 | 4,709 | 5,361 | 1,748 | |
450/3 |
3,237 | 70 | 225 | 73 | 307 | 314 | - | - | - | 660 | 1,748 | |
454/9 |
399 | 1,684 | - | - | 11,002 | 6,797 | 2,433 | 3,007 | 4,709 | 4,701 | - | |
47/48 |
16,325 | 17,001 | 16,781 | 15,909 | 11,566 | 327 | 326 | 55 | - | - | - | |
| Income statement | ||||||||||||
9900 |
27,358 | 3,188 | 4,985 | 12,554 | -19,054 | -4,813 | 3,672 | 3,599 | 2,726 | -7,142 | 620 | |
62 |
128 | - | - | - | 179 | - | - | - | - | - | - | |
630 |
1,656 | 2,103 | 1,257 | 475 | 374 | 1,046 | 799 | 90 | 308 | 308 | 218 | |
640/8 |
757 | 913 | 1,072 | 945 | 689 | 771 | 1,026 | 746 | 678 | 330 | 426 | |
66A |
- | - | - | - | - | - | - | - | 9 | - | - | |
9901 |
24,817 | 172 | 2,656 | 11,134 | -20,296 | -6,630 | 1,847 | 2,763 | 1,740 | -7,780 | -24 | |
75/76B |
- | - | - | - | - | - | - | 1 | - | 1 | - | |
75 |
- | - | - | - | - | - | - | 1 | - | 1 | - | |
65/66B |
182 | 223 | 204 | 179 | 185 | 148 | 104 | 158 | 125 | 198 | 84 | |
65 |
182 | 223 | 202 | 179 | 185 | 148 | 104 | 158 | 116 | 198 | 84 | |
66B |
- | - | 2 | - | - | - | - | - | 9 | - | - | |
9903 |
24,635 | -51 | 2,452 | 10,955 | -20,481 | -6,778 | 1,743 | 2,606 | 1,615 | -7,977 | -108 | |
67/77 |
3,200 | - | - | - | - | - | - | - | - | - | - | |
9904 |
21,435 | -51 | 2,452 | 10,955 | -20,481 | -6,778 | 1,743 | 2,606 | 1,615 | -7,977 | -108 | |
9905 |
21,435 | -51 | 2,452 | 10,955 | -20,481 | -6,778 | 1,743 | 2,606 | 1,615 | -7,977 | -108 | |
| Appropriation of the result | ||||||||||||
9906 |
2,590 | -18,845 | -18,794 | -21,246 | -32,201 | -8,899 | -2,121 | -3,864 | -6,470 | -8,085 | -108 | |
14P |
-18,845 | -18,794 | -21,246 | -32,201 | -11,720 | - | - | - | - | - | - | |
691/2 |
1,860 | - | - | - | - | - | - | - | - | - | - | |
6920 |
1,860 | - | - | - | - | - | - | - | - | - | - | |
| 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 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00471317.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 31-08-2026 | 2026-00471317 | |
| 31-12-2024 | micro format | 08-04-2026 | 2026-00076120 | |
| 31-12-2023 | micro format | 07-01-2026 | 2026-00004441 | |
| 31-12-2022 | full format | 30-10-2023 | 2023-00506821 | |
| 31-12-2021 | full format | 30-11-2022 | 2022-20530872 | |
| 31-12-2019 | full format | 30-09-2020 | 2020-57500226 | |
| 31-12-2018 | full format | 28-08-2019 | 2019-58500556 | |
| 31-12-2017 | full format | 24-09-2018 | 2018-65600416 | |
| 31-12-2016 | full format | 23-08-2017 | 2017-48200085 | |
| 31-12-2015 | full format | 21-08-2016 | 2016-46300024 | |
| 31-12-2014 | full format | 29-07-2015 | 2015-37200121 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 26,473 | 2,275 | 3,913 | 11,609 | -19,922 | -5,584 | 2,646 | 2,853 | 2,048 | -7,472 | 194 | ||
| 23,091 | 2,052 | 3,709 | 11,430 | -20,107 | -5,732 | 2,542 | 2,696 | 1,923 | -7,669 | 110 | ||
| 279 | 593 | 3,997 | 1,043 | 0 | 740 | 2,397 | 0 | 0 | 271 | 653 | ||
| 21,286 | 10,852 | -2,921 | 2,668 | - | -2,449 | -796 | 1,724 | 1,714 | -3,975 | - | ||
| 8,242 | -14,570 | -16,029 | -15,741 | -26,128 | -3,991 | 2,481 | 2,336 | -360 | -2,283 | 5,657 | ||
| 23.6% | -66.4% | -119.3% | -114.6% | -270.7% | -30.9% | 43.2% | 39.2% | - | -31.8% | 76.8% | ||
| 1.29 | 0.54 | 0.31 | 0.44 | 0.27 | 0.65 | 1.46 | 1.64 | - | 0.71 | 4.07 | ||
| 3.24 | - | - | - | - | - | 1.31 | 1.55 | - | - | 0.30 | ||
| 243.9% | - | - | - | - | - | 42.7% | 111.6% | - | - | -1.8% | ||
| 57.5% | -0.3% | 23.2% | 83.5% | -213.3% | -77.5% | 18.5% | 43.7% | - | -134.4% | -1.4% | ||
| over 100 | 10.20 | 19.37 | 64.85 | -107.69 | - | - | - | - | - | - |
EBIT margin: not included in this filing.
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 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €279 | €593 | €3,997 | €1,043 | €0 |
| €1,656 | €2,103 | €1,257 | €475 | €374 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on FD CONSTRUCT
The operating result for 2025 is 144 times that of 2024 and the highest since 2014. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total is 76.4%.
Board & ownership
Board
2 directors, last change in 2024Mandates through the years
2 names, the dashed line is todayDirector (not named in the articles)
Director (not named in the articles)
Mandates as a list
- DEAN Frédéric
- Director (not named in the articles), appointed by deed of 01-07-2024, still in office
- Manager, until 01-07-2024
- GOUTTIERE Aurore Josette Ghislaine
- Director (not named in the articles), appointed by deed of 01-07-2024, still in office
- Manager, until 01-07-2024
Control
Capital
- Contribution
- €6,200
- Source
- 2025 annual accounts
Articles of association
deed of 01-07-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Assemblée générale décide si mandat exercé gratuitement, frais généraux indépendamment des frais de représentation,voyages et déplacements”
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- 100 shares
Network & group
No group
FD CONSTRUCT has no parent and no holdings in its annual accounts. FD CONSTRUCT shares no director with another company.
Timeline
Timeline
20 events since 2013Deadline for the 2026 accounts: 31-07-2027
Changes of role: DEAN Frédéric (director) and GOUTTIERE Aurore Josette Ghislaine (director)Director discharge: DEAN Frédéric · Director discharge: GOUTTIERE Aurore Josette Ghislaine8 points ▸
- Director resignation, DEAN Frédéric (manager)
- Director resignation, GOUTTIERE Aurore Josette Ghislaine (manager)
- Director appointment, DEAN Frédéric (director (not named in the articles))
- Director appointment, GOUTTIERE Aurore Josette Ghislaine (director (not named in the articles))
- Director discharge, DEAN Frédéric
- Director discharge, GOUTTIERE Aurore Josette Ghislaine
- Registered office clause, Rue Pont de la Croyère n°64, 7130 Bray
- Capital, €6,200
- The deed holds 3 more points.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0543.690.344
- VAT number
- BE 0543.690.344
- Peppol ID
- 0208:0543690344
- Other Peppol ID
- 9925:BE0543690344
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 31-12-2013
- Financial year
- ends on 31 December
- Peppol
- Reachable since 29-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- FD CONSTRUCT in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 01-07-2024 (in French)
Activities
NACEBEL 2025Codes under NACEBEL 2008
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes opérations se rapportant directement ou indirectement à l'entreprise de construction,d'entretien,de rénovation et de démolition de…”deed of 01-07-2024 (in French)
20 activities
- Toutes opérations se rapportant directement ou indirectement à l'entreprise de construction,d'entretien,de rénovation et de démolition de bâtiments ; toutes activités de travaux publics et privés,et de voirie ;
- Le négoce,en gros ou en détail,de tous matériaux de constructions.
- En matière de travaux de terrassement ; tous travaux de forage,fonçage de puits de rabattement de la nappe aquifère,de fondation,de battage de pieux,et de planches ; les travaux de consolidation du sol par tous systèmes.
- La construction,la réfection et l'entretien des routes des pistes cyclables,des aires et pistes d'aviation,les ouvrages d'art non métallique,tels que ponts et viaducs ; les tunnels pour routes et chemins de fer,les châteaux d'eau,les silos,les réservoirs,les citernes,les piscines,les fosses à cendrée,et tous travaux d'égouttage.
- La pose de cables et canalisations diverses,la localisation de tables à haute tension et de tuyaux,les canalisations pour la distribution d'eau,de gaz,la pose de câbles électriques.
- L'aménagement et l'entretien des plaines de jeux et de sports,de parcs et de jardins,y compris les travaux de plantation,de clôtures et de palissades de terrains divers.
- Tous travaux de gros œuvre,y compris la mise sous toit de bâtiments ; ainsi que le coffrage et le ferraillage ; toutes activités générales en matière de construction,y compris l'exécution totale ou partielle de travaux de parachèvement ou de coordination de ceux-ci,lors de leur exécution par des sous-traitants,y compris la construction d'habitations préfabriquées.
- Tous travaux de démolition,de bâtiments,y compris l'arasement et le déblayage.
- Tous travaux de rejointoiement.
- Tous travaux relatifs à la couverture de constructions et les travaux hydrofuges,y compris les couvertures en toute matière,les travaux d'étanchéité et de revêtement par asphaltage et bitumage ; et les travaux d'assèchement de constructions.
- Tous travaux d'isolation thermique et acoustique.
- Tous travaux de revêtement des murs et de sol,y compris les travaux de carrelage et de mosaïque,et de tous autres revêtements de murs et de sol.
- Tous travaux de plafonnage,de cimentage,et d'enduisage,le crépissage,la pose de chape,les travaux de stuc et de staff.
- Tous travaux de restauration,de placement,de nettoyage,de pose,de pierres de taille et de marbrerie,y compris les monuments funéraires,les façades de bâtiments et toutes ornementations en marbre ou en pierre.
- Tous travaux de charpenterie,menuiserie et menuiserie métallique,y compris la charpenterie du bâtiment,la serrurerie et quincaillerie ; le placement de portes et de plinthes,le placement des volets en bois et matière plastique ; la pose de parquet et de tous revêtements ; la pose de cloisons et de faux plafonds en bois,le placement de ferronnerie,de volets,de menuiserie métallique,de grilles et de portes ;
- Tous travaux de montage et de démontage de constructions tubulaires ou similaires.
- La conception,le placement,la rénovation et l'entretien de cuisines équipées.
- En matière de drainage : le curage des cours d'eau,la création et l'entretien d'étangs,rivières et cours d'eau.
- En matière d’électricité ; toutes Installations électriques des bâtiments,y compris installations de groupes électrogènes,équipement de détection d'incendie et de vol,télétransmissions dans les bâtiments et leur périphérie et installations ou équipements de téléphone mixte ;
- Toutes activités se rapportant de près ou de loin à la construction de bâtiment privé,public ou industriel dans le sens le plus large allant de l'étude de projet à la réalisation complète.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Pont de la Croyère 64 registered office 7130 Binche | 01-01-2014 | 2.225.723.891 |
Buildings and parcels at the address
- Ground area
- 687 m²
- Buildings
- 82 m²
- Volume, LiDAR
- 651 m³
- Tallest building
- 9.8 m
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 55005B0640/00B000 | 687 m² | 1 · 82 m² | 9.8 m · 3 |
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 0543.690.344