FILCARI CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of FILCARI CONSTRUCT is 4.3% (elevated). The 2025 annual accounts show equity of €41k and a net result of €2k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 29% of 27965 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability70▲+35
Solvency53▲+12
Growth32=
Track record94
Bankruptcy probability, 12 months
4.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.32 against 1.17 in 2024; short-term debt: 71.8% and cash: 0.6% of total assets), and 71.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
28.2%
Return on assets
1.2%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
14 d early
2023
5 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▲ 4.4%
2024 · €40k
2023: €42khighest in 3 years
2024: €40k▼ -5.0% vs 2023lowest in 3 years
2025: €41k▲ +4.4% vs 2024
2023 → 2025
Total assets
€147k▼ 39.2%
2024 · €242k
2023: €104klowest in 3 years
2024: €242k▲ +133% vs 2023highest in 3 years
2025: €147k▼ -39.2% vs 2024
2023 → 2025
Net result
€2k
2024 · €-2k
2023: €31khighest in 3 years
2024: €-2k▼ -107% vs 2023lowest in 3 years
2025: €2k▲ +182% vs 2024
2023 → 2025
Working capital
€34k=
2024 · €34k
2023: €39khighest in 3 years
2024: €34k▼ -11.9% vs 2023lowest in 3 years
2025: €34k● +0.0% vs 2024
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€42k-€40k▼ 5.0%€41k▲ 4.4%
2023: €42khighest in 3 years
2024: €40k▼ -5.0% vs 2023lowest in 3 years
2025: €41k▲ +4.4% vs 2024
Operating result€42k-€875▼ 97.9%€4k▲ 335%
2023: €42khighest in 3 years
2024: €875▼ -97.9% vs 2023lowest in 3 years
2025: €4k▲ +335% vs 2024
Net result€31k-€-2k€2k
2023: €31khighest in 3 years
2024: €-2k▼ -107% vs 2023lowest in 3 years
2025: €2k▲ +182% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 335% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€7k ▲ 31.1%
Current assets
€140k ▼ 40.9%
Equity and liabilities €147k
Equity
€41k ▲ 4.4%
Debt
€106k ▼ 47.8%
Debt's share of the balance-sheet total falls from 83.6% to 71.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4k
Cash flow
€2k
Current ratio
1.32▲
2024 · 1.17
Debt to equity
2.55▼
2024 · 5.10
ROE
4.2%▲
2024 · -5.3%
ROA
1.2%▲
2024 · -0.9%
Interest coverage
10.27
Debt ≤ 1 year
€106k▼
2024 · €202k
Income taxes
€2k▼
2024 · €2k
Staff costs
€68k▲
2024 · €66k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€242k€147k▼
Fixed assets21/28€6k€7k▲
Tangible fixed assets22/27-€2k
Furniture and vehicles24-€2k
Financial fixed assets28€6k€6k=
Current assets29/58€236k€140k▼
Amounts receivable within one year40/41€191k€118k▼
Trade receivables40€166k€97k▼
Other amounts receivable41€25k€20k▼
Cash at bank and in hand54/58€2k€927▼
Deferred charges and accrued income490/1€44k€21k▼
Equity and liabilities
Total equity and liabilities10/49€242k€147k▼
Equity10/15€40k€41k▲
Contributions10/11€11k€11k=
Profit (loss) carried forward14€29k€31k▲
Amounts payable17/49€202k€106k▼
Amounts payable within one year42/48€202k€106k▼
Trade debts44€168k€77k▼
Suppliers440/4€168k€77k▼
Taxes, remuneration and social security45€34k€28k▼
Taxes450/3€16k€14k▼
Remuneration and social security454/9€18k€14k▼
Income statement
Code20242025
Remuneration, social security and pensions62€66k€68k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€111
Other operating charges640/8€4k€6k▲
Gross operating margin9900€70k€77k▲
Operating profit (loss)9901€875€4k▲
Financial income75/76B€1€79▲
Recurring financial income75€1€79▲
Financial charges65/66B€1k€382▼
Recurring financial charges65€1k€382▼
Profit (loss) for the period before taxes9903€-193€4k▲
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€-2k€2k▲
Profit (loss) for the period to be appropriated9905€-2k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€31k▲
Profit (loss) brought forward from the previous period14P€31k€29k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €5k | €66k | €68k | ▲ 2.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | - | €111 | - |
| Other operating charges640/8 | €5k | €4k | €6k | ▲ 59.8% |
| Gross operating margin9900 | €58k | €70k | €77k | ▲ 10.2% |
| Operating profit (loss)9901 | €42k | €875 | €4k | ▲ 335% |
| Financial income75/76B | - | €1 | €79 | ▲ 7,066% |
| Recurring financial income75 | - | €1 | €79 | ▲ 7,066% |
| Financial charges65/66B | €652 | €1k | €382 | ▼ 64.3% |
| Recurring financial charges65 | €652 | €1k | €382 | ▼ 64.3% |
| Profit (loss) for the period before taxes9903 | €41k | €-193 | €4k | ▲ 1,917% |
| Income taxes67/77 | €10k | €2k | €2k | ▼ 6.5% |
| Profit (loss) for the period9904 | €31k | €-2k | €2k | ▲ 182% |
| Profit (loss) for the period to be appropriated9905 | €31k | €-2k | €2k | ▲ 182% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €104k | €242k | €147k | ▼ 39.2% |
| Fixed assets21/28 | €3k | €6k | €7k | ▲ 31.1% |
| Tangible fixed assets22/27 | €2k | - | €2k | - |
| Furniture and vehicles24 | - | - | €2k | - |
| Leasing and similar rights25 | €2k | - | - | - |
| Financial fixed assets28 | €1k | €6k | €6k | = |
| Current assets29/58 | €101k | €236k | €140k | ▼ 40.9% |
| Amounts receivable within one year40/41 | €76k | €191k | €118k | ▼ 38.3% |
| Trade receivables40 | €65k | €166k | €97k | ▼ 41.3% |
| Other amounts receivable41 | €11k | €25k | €20k | ▼ 18.1% |
| Cash at bank and in hand54/58 | €25k | €2k | €927 | ▼ 49.7% |
| Deferred charges and accrued income490/1 | - | €44k | €21k | ▼ 51.5% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €104k | €242k | €147k | ▼ 39.2% |
| Equity10/15 | €42k | €40k | €41k | ▲ 4.4% |
| Contributions10/11 | €11k | €11k | €11k | = |
| Profit (loss) carried forward14 | €31k | €29k | €31k | ▲ 5.9% |
| Amounts payable17/49 | €62k | €202k | €106k | ▼ 47.8% |
| Amounts payable within one year42/48 | €62k | €202k | €106k | ▼ 47.8% |
| Current portion of amounts payable after more than one year42 | €966 | - | - | - |
| Trade debts44 | €49k | €168k | €77k | ▼ 54.1% |
| Suppliers440/4 | €49k | €168k | €77k | ▼ 54.1% |
| Taxes, remuneration and social security45 | €13k | €34k | €28k | ▼ 16.0% |
| Taxes450/3 | €11k | €16k | €14k | ▼ 8.7% |
| Remuneration and social security454/9 | €2k | €18k | €14k | ▼ 22.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €31k | €-2k | €2k | ▲ 182% |
| + Depreciation and write-downs630 | €6k | - | €111 | - |
| Operating cash flow (approximation) | €37k | €-2k | €2k | ▲ 188% |
| Investment in fixed assets (approximation) | - | €-3k | €-2k | ▲ 27.2% |
| Change in cash | - | €-23k | €-915 | ▲ 96.1% |
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Vorst · 1 establishment unit since 2023
Ground area
545 m²
Building footprint
143 m²
Volume, LiDAR
840 m³
Parcel 21382C0269/00W003, Brussels · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
FILCARI CONSTRUCT
since 20232.341.890.992
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21382C0269/00W003 | Brussels | 545 m² | 1 · 143 m² | 9.7 m · 2 fl. |
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.
Recognitions · licences · registrations
Recognised contractor
3 categoriesFILCARI CONSTRUCT SRL44238
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Of 4,096 companies in sector 43240 we hold annual accounts for 1,633. 1,308 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
Founded13-02-2023
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43240Other construction installation
41002Construction of residential and non-residential buildings
43120Site preparation
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43350Other building finishing work
Scores and ratios are computed by Checked and are not a credit decision.