FICA CONSTRUCT
ActiveSummary
FICA CONSTRUCT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39,709 and a net result of €228. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 839 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability39▲+35
Solvency100=
Growth57▲+13
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 23.57 against 49.06 in 2024; short-term debt: 2.3% and cash: 32.5% of total assets), and 2.3% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
97.7%
Return on assets
0.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-05-2026, 61 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
61 d early
2024
46 d early
2023
19 d late
2022
32 d early
2021
22 d late
2020
7 d early
2019
10 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 16 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
€25,807
2024 · €0
EBIT margin
1.0%▼ 92.9pp
2023 · 93.9%
Net result
€228
2024 · -€5,359
Working capital
€20,989▲ 1.1%
2024 · €20,761
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€12,857€9,955▼ 22.6%€12,000▲ 20.5%€0▼ 100%€25,807
Operating result€8,300€9,017▲ 8.6%€11,269▲ 25.0%-€5,317€270
Net result€7,903€8,981▲ 13.6%€10,414▲ 16.0%-€5,359€228
EBIT margin64.6%90.6%▲ 26.0pp93.9%▲ 3.3pp1.0%
Equity€25,444▲ 45.1%€34,425▲ 35.3%€44,840▲ 30.3%€39,481▼ 12.0%€39,709▲ 0.6%
Total assets€25,454▲ 27.9%€35,570▲ 39.7%€45,999▲ 29.3%€39,913▼ 13.2%€40,639▲ 1.8%
Debt€10▼ 99.6%€1,145▲ 11,350%€1,159▲ 1.2%€432▼ 62.7%€930▲ 115%
Working capital€6,724€15,705▲ 134%€26,120▲ 66.3%€20,761▼ 20.5%€20,989▲ 1.1%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €270 after a loss of €5,317 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40,639
Fixed assets
€18,720 =
Current assets
€21,919 ▲ 3.4%
Equity and liabilities €40,639
Equity
€39,709 ▲ 0.6%
Debt
€930 ▲ 115%
Debt's share of the balance-sheet total rises from 1.1% to 2.3%. Equity and debt are higher.
Key figures and ratios
Current ratio
23.57▼
2024 · 49.06
Debt to equity
0.02▲
2024 · 0.01
ROE
0.6%▲
2024 · -13.6%
ROA
0.6%▲
2024 · -13.4%
Debt ≤ 1 year
€930▲
2024 · €432
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €12,857 | €9,955 | €12,000 | €0 | €25,807 | - |
| Goods, raw materials, services and sundry goods60/61 | €4,557 | €837 | €621 | €5,317 | €25,421 | ▲ 378% |
| Other operating charges640/8 | - | €101 | €110 | - | €116 | - |
| Gross operating margin9900 | €8,300 | €9,118 | €11,379 | -€5,317 | €386 | ▲ 107% |
| Operating profit (loss)9901 | €8,300 | €9,017 | €11,269 | -€5,317 | €270 | ▲ 105% |
| Financial charges65/66B | €299 | €36 | €42 | €42 | €42 | = |
| Recurring financial charges65 | €299 | €36 | €42 | €42 | €42 | = |
| Profit (loss) for the period before taxes9903 | €8,001 | €8,981 | €11,227 | -€5,359 | €228 | ▲ 104% |
| Income taxes67/77 | €98 | - | €813 | - | - | - |
| Profit (loss) for the period9904 | €7,903 | €8,981 | €10,414 | -€5,359 | €228 | ▲ 104% |
| Profit (loss) for the period to be appropriated9905 | €7,903 | €8,981 | €10,414 | -€5,359 | €228 | ▲ 104% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €25,454 | €35,570 | €45,999 | €39,913 | €40,639 | ▲ 1.8% |
| Fixed assets21/28 | €18,720 | €18,720 | €18,720 | €18,720 | €18,720 | = |
| Tangible fixed assets22/27 | €15,000 | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Land and buildings22 | €15,000 | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Financial fixed assets28 | €3,720 | €3,720 | €3,720 | €3,720 | €3,720 | = |
| Current assets29/58 | €6,734 | €16,850 | €27,279 | €21,193 | €21,919 | ▲ 3.4% |
| Amounts receivable within one year40/41 | €6,043 | €7,026 | €25,324 | €12,215 | €8,725 | ▼ 28.6% |
| Trade receivables40 | - | €1,150 | €13,440 | - | - | - |
| Other amounts receivable41 | €6,043 | €5,876 | €11,884 | €12,215 | €8,725 | ▼ 28.6% |
| Cash at bank and in hand54/58 | €691 | €9,824 | €1,955 | €8,978 | €13,194 | ▲ 47.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €25,454 | €35,570 | €45,999 | €39,913 | €40,639 | ▲ 1.8% |
| Equity10/15 | €25,444 | €34,425 | €44,840 | €39,481 | €39,709 | ▲ 0.6% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Capital10 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Issued capital100 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Profit (loss) carried forward14 | €5,444 | €14,425 | €24,840 | €19,481 | €19,709 | ▲ 1.2% |
| Amounts payable17/49 | €10 | €1,145 | €1,159 | €432 | €930 | ▲ 115% |
| Amounts payable within one year42/48 | €10 | €1,145 | €1,159 | €432 | €930 | ▲ 115% |
| Trade debts44 | - | - | €162 | - | €930 | - |
| Suppliers440/4 | - | - | €162 | - | €930 | - |
| Taxes, remuneration and social security45 | €10 | €1,145 | €997 | €432 | - | - |
| Taxes450/3 | €10 | €1,145 | €997 | €432 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,903 | €8,981 | €10,414 | -€5,359 | €228 | ▲ 104% |
| Operating cash flow (approximation) | €7,903 | €8,981 | €10,414 | -€5,359 | €228 | ▲ 104% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €9,133 | -€7,869 | €7,023 | €4,216 | ▼ 40.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €228
Net result €228 after one loss-making year.
15-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet -€5,359
Net result drops to -€5,359, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 49.06
Current ratio from 23.54 to 49.06; short-term debt falls from €1,159 to €432.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 19 days late
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 22 days late
2021
31-12
Financial
Back to profitnet €7,903
Net result €7,903 after one loss-making year.
31-12
Financial
Liquidity times 1349current ratio 673.40
Current ratio from 0.50 to 673.40; short-term debt falls from €2,354 to €10.
24-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
21-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
31-12
Financial
Liquidity triplescurrent ratio 26.38
Current ratio from 9.53 to 26.38; short-term debt falls from €1,825 to €457.
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 69 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Gouvy · 1 establishment unit since 2011
Ground area
1,821 m²
Building footprint
520 m²
Parcel 82020D0025/00S000, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Montleban 69, 6674 Gouvy
since 20112.198.650.401
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82020D0025/00S000 | Wallonia | 1,821 m² | 1 · 520 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,037. 12,842 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-02-2011
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Contact
Phone
0495/20.49.81Gouvy
Fax
080/39.89.10Gouvy
Scores and ratios are computed by Checked and are not a credit decision.