Equity
€156,112 ▲ 67.0%
Equity rose in 2025 from €93,497 to €156,112.
FD CONSTRUCT
Overview
Lifetime
3 annual accounts with figures on one time axispeak €229,144 (2025)
€229,144▲ 35.3%
peak €62,615 (2025)
€62,615▲ 20.3%
peak €156,112 (2025)
€156,112▲ 67.0%
€90,855▼ 22.2%
Board1 name since 2022
1 director
Documentsfilings and deeds
22-07-20269 days before the deadline
2025micro format
Gross margin from €169,413 to €229,144Equity from €93,497 to €156,112Debts from €116,768 to €90,855
Key points
from the 2025 annual accountsTurnover
≈ €750,000 estimated
The micro format states no turnover.
Investments
€37,158 1.6 × depreciation
Green is investment, beige is depreciation.
Staff
3 employees on 31-12-2025
In 2025, 2 people joined and 1 left.
Liquidity
2.28 was 1.38 in 2024
Short-term debts fell from €88,336 to €80,458.
Position in the sector
€62,615
Higher net result than 91% of companies in construction of buildings. Sector median €8,556 · 9,461 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as FD 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.
Test of the method
The method was tested on the 497,448 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 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
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0791338074
Incorporation
Founding capital of €5,000 · Founder: · Founding capital of EUROS 5,000, 50 shares · Appointment: (director) · published on 27-09-2022 · Gazette deed
First establishment
Chemin du Meunier 4, Nandrin
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FD CONSTRUCT Nandrin | €246,967 | €229,144 | 63.2% | - |
| FRED RENOVA9 CONSTRUCT Walcourt | €248,612 | €234,165 | 18.7% | - |
| Van Hove Bosschaerts Company Schoten | €245,282 | €232,582 | 71.0% | - |
| IDEAL CONSTRUCT Rouvroy | €228,009 | €230,168 | 42.5% | - |
| AMB2 Concept Paliseul | €270,842 | €213,129 | 53.1% | - |
| Blockx Woningbouw Arendonk | €251,764 | €222,676 | 58.9% | - |
| CONSTRUCT BRUXELLES LARI Sint-Pieters-Leeuw | €226,990 | €205,313 | 75.2% | - |
These companies have the same main activity as FD CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €227,000 and €271,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 23-09-2022Normal situation
- Activity
- General construction of residential buildingsNACE 41001
- Establishment unit
- 2.337.010.2114550 Nandrin, since 23-09-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 17-11-2025
Annual accounts 2025
- €229,144▲ 35.3%
- €62,615▲ 20.3%
- €156,112▲ 67.0%
- €246,967▲ 17.5%
- Employeeson 31-12-2025
- 3▲ 50.0%
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on FD CONSTRUCT
FD CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from €94,272 in 2023 to €229,144 in 2025.
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€229,144
▲ 35.3%
€93,084
▲ 21.5%
€62,615
▲ 20.3%
€102,624
▲ 203%
63.2%
▲ 18.7 percentage points
2.28
▲ 0.89
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 ≈ €750,000. Estimated: probably between €530,000 and €1.2m.
Balance sheet
balance sheet total €246,967 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
63.2%
Higher than 72% of 9,471 companies in 2025.
2.28
Higher than 64% of 9,219 companies in 2025.
25.4%
Higher than 81% of 9,291 companies in 2025.
FD CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: top quarter · Equity: top quarter · Balance sheet total: middle half · Working capital: top quarter
Staff
€43,072
Staff costs divided by the average number of full-time equivalents.
+1 person
people who joined
people who left
In 2025, 2 people joined and 1 left.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
246,967 | 210,265 | 122,578 | |
21/28 |
63,885 | 88,075 | 78,655 | |
22/27 |
63,885 | 88,075 | 78,655 | |
23 |
42,988 | 40,018 | 22,227 | |
24 |
19,840 | 15,591 | 14,697 | |
25 |
- | 30,988 | 39,830 | |
26 |
1,057 | 1,478 | 1,901 | |
29/58 |
183,082 | 122,190 | 43,923 | |
40/41 |
24,390 | 54 | 7,292 | |
40 |
- | 54 | 6,180 | |
41 |
24,390 | - | 1,112 | |
54/58 |
127,750 | 119,038 | 34,895 | |
490/1 |
30,942 | 3,098 | 1,736 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
246,967 | 210,265 | 122,578 | |
10/15 |
156,112 | 93,497 | 41,444 | |
10/11 |
5,000 | 5,000 | 5,000 | |
13 |
151,112 | 88,497 | 36,444 | |
133 |
151,112 | 88,497 | 36,444 | |
17/49 |
90,855 | 116,768 | 81,134 | |
17 |
10,397 | 28,229 | 20,086 | |
170/4 |
10,397 | 28,229 | 20,086 | |
42/48 |
80,458 | 88,336 | 61,048 | |
42 |
5,546 | 13,078 | 6,890 | |
44 |
22,637 | 8,750 | 10,287 | |
440/4 |
22,637 | 8,750 | 10,287 | |
45 |
30,262 | 42,533 | 14,515 | |
450/3 |
28,023 | 39,014 | 14,418 | |
454/9 |
2,239 | 3,519 | 97 | |
47/48 |
22,013 | 23,975 | 29,356 | |
492/3 |
- | 203 | - | |
| Income statement | ||||
9900 |
229,144 | 169,413 | 94,272 | |
62 |
99,066 | 67,206 | 24,410 | |
630 |
22,560 | 22,065 | 12,112 | |
640/8 |
14,434 | 3,530 | 5,693 | |
9901 |
93,084 | 76,612 | 52,057 | |
75/76B |
25 | 7 | 12 | |
75 |
25 | 7 | 12 | |
65/66B |
4,884 | 3,336 | 1,207 | |
65 |
4,884 | 3,336 | 1,207 | |
9903 |
88,225 | 73,283 | 50,862 | |
67/77 |
25,610 | 21,230 | 14,418 | |
9904 |
62,615 | 52,053 | 36,444 | |
9905 |
62,615 | 52,053 | 36,444 | |
| Appropriation of the result | ||||
9906 |
62,615 | 52,053 | 36,444 | |
691/2 |
62,615 | 52,053 | 36,444 | |
6921 |
62,615 | 52,053 | 36,444 | |
| Social balance sheet | ||||
9087 |
2.3 | 2.3 | 1.8 | |
Hours worked1013 |
3,088 | 2,992 | 1,400 | |
| Document | ||||
The notes to these accounts have 8 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 BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 115,644 | 98,677 | 64,169 | ||
| 85,175 | 74,118 | 48,556 | ||
| 37,158 | 31,485 | 102,102 | ||
| 8,712 | 84,143 | - | ||
| 102,624 | 33,854 | -17,125 | ||
| 63.2% | 44.5% | 33.8% | ||
| 2.28 | 1.38 | 0.72 | ||
| 0.58 | 1.25 | 1.96 | ||
| 40.1% | 55.7% | 87.9% | ||
| 25.4% | 24.8% | 29.7% | ||
| 23.68 | 29.58 | 53.16 |
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.
Social balance sheet
| Item | 31-12-2025 | 31-12-2024 | 31-12-2023 |
|---|---|---|---|
| Employees at the balance-sheet date | 3 | 2 | 2 |
| full-time | 3 | 2 | 2 |
| in full-time equivalents | 3 | 2 | 2 |
| 2.3 | 2.3 | 1.8 | |
| On a permanent contract | 2 | 2 | 1 |
| Joined | 2 | 3 | 5 |
| Left | 1 | 3 | 4 |
Source: social balance sheet in the 2023 to 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €37,158 | €31,485 | €102,102 |
| €22,560 | €22,065 | €12,112 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on FD CONSTRUCT
The operating result for 2025 is 22% higher than in 2024 and the highest since 2023. It is the second rise in a row.
Debt's share of the balance-sheet total falls from 55.5% to 36.8%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporation- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 12. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”deed of 27-09-2022
Mandates through the years
1 name, the dashed line is todayDirector (not named in the articles)
Board
Mandates as a list
-
- Director (not named in the articles), appointed by deed of 27-09-2022, still in office
Control
Founder
This company
FD CONSTRUCT
Equity €156,112
Profit €62,615 in 2025
Capital
- Contribution
- €5,000
- Shares
- 50
- Contribution per share
- €100
- Equity per share
- €3,122 in 2025
- Source
- deed of 27-09-2022
Articles of association
deed of 27-09-2022 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant,moitié acquéreurs proportionnellement si plusieurs, mêmes formalités si non actionnaires de plein droit”
- Share issue ruleThe articles set how and by whom new shares are issued.
- “Courrier électronique,ou courrier ordinaire même jour pour personnes sans adresse électronique, au moins quinze jours”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June
Shareholders
At incorporation
deed of 27-09-2022 ↗
- 50 shares (100%)
Network & group
No group
FD CONSTRUCT has no parent and no holdings in its annual accounts. is the only director. FD CONSTRUCT shares no director with another company.
Timeline
Timeline
8 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 9 days before the deadline
2025
Highest result from 2023 to 2025 net €62,615 ▲20.3% The operating result of €93,084 and the net result of €62,615 are both a record.
Equity above €150,000 equity €156,112 ▲67% With a profit in every financial year since 2023, equity grows to €156,112.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0791338074
Annual accounts 2024 filed PDFmicro format · 31 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 23 days before the deadline
2022
IncorporationFounding capital of €5,000 · Founder: · Founding capital of EUROS 5,000, 50 shares · Appointment: (director) · published on 27-09-20225 points ▸
- Founder,
- Founding capital, euros 5.000, 50 shares
- 50 shares
- Registered office clause, Chemin du Meunier 4, 4550 Nandrin
- Director appointment, (director (not named in the articles))
- The deed holds 4 more points.
First establishment Chemin du Meunier 4, Nandrin
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
On 23 September 2022, FD CONSTRUCT was incorporated as a private limited company by one natural person, with a starting capital of €5,000.12 is director of the company, appointed by deed of 27-09-2022.2 Total assets went from €122,578 in 2023 to €246,967 in 2025 and headcount from 1.8 to 2.3 full-time equivalents.3
Company details
Identity
- Enterprise number
- 0791.338.074
- VAT number
- BE 0791.338.074
- Peppol ID
- 0208:0791338074
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 23-09-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of Junedeed of 27-09-2022 (in French)
- Peppol
- Reachable since 17-11-2025Follow 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 27-09-2022 (in French)
Activities
NACEBEL 2025VAT activities
41001
General construction of residential buildings main activity
Social security (RSZ) activities
41001
General construction of residential buildings main activity
Codes under NACEBEL 2008
41201
General construction of buildings main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L'achat,la vente,l'échange,l'exploitation et l'entretien de maisons,d'appartements,bureaux,magasins,terrains et de manière générale de tous…”deed of 27-09-2022 (in French)
4 activities
- L'achat,la vente,l'échange,l'exploitation et l'entretien de maisons,d'appartements,bureaux,magasins,terrains et de manière générale de tous biens immobiliers ainsi que toutes opérations de financements pour compte propre ou compte de tiers
- La société pourra également effectuer toutes prestations de services,de courtage immobilier,détenir des mandats de gérance d'immeubles et intervenir en tant qu'intermédiaire commercial en général
- Elle pourra ériger toutes constructions pour son compte propre ou pour compte de tiers,en tant que maître de l'ouvrage ou entrepreneur général et effectuer tous travaux de transformations,de mises en valeur ainsi que l'étude et l'aménagement de projets immobiliers,de lotissements y compris la construction de routes et égouts
- L'achat et la vente de tous matériaux se rapportant au domaine de la construction
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Chemin du Meunier 4 registered office 4550 Nandrin | 23-09-2022 | 2.337.010.211 |
Buildings and parcels at the address
- Ground area
- 3,448 m²
- Buildings
- 278 m²
- Volume, LiDAR
- 1,149 m³
- Tallest building
- 12.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 61043D0042/00C000 | 3,448 m² | 1 · 278 m² | 12.2 m · 1 |
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 0791.338.074