FILIMAR CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of FILIMAR CONSTRUCT is 4.0% (elevated). The annual accounts of FILIMAR CONSTRUCT for fiscal year 2025 show a net loss of 61% of total assets. The 2025 annual accounts show equity of €171k and a net result of €-134k. Equity is growing by ~30.4% per year across the filed fiscal years. Its solvency ranks better than 86% of 7744 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-94
Solvency100▲+17
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
4.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 3.82 against 2.16 in 2024; short-term debt: 22.2% and cash: 65.1% of total assets), and 22.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
77.8%
Return on assets
-61.3%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-09-2026, 37 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
37 d late
2024
36 d early
2023
29 d early
2022
45 d early
2021
28 d late
2020
59 d late
2019
71 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
€1.16M
EBIT margin
2.6%
Net result
€-134k
2024 · €105k
2019: €30k
2020: €79k
2021: €25k
2022: €5k
2023: €279k
2024: €105k
2019 → 2025
Working capital
€137k▼ 46.8%
2024 · €258k
2019: €37k
2020: €96k
2021: €121k
2022: €120k
2023: €228k
2024: €258k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€146k-€151k▲ 3.3%€259k▲ 72.0%€305k▲ 17.7%€171k▼ 44.1%
Operating result€25k-€22k▼ 10.9%€384k▲ 1,646%€219k▼ 42.9%€-136k
Net result€25k-€5k▼ 80.6%€279k▲ 5,746%€105k▼ 62.5%€-134k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €136k after €219k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €219k
Fixed assets
€33k▼ 28.9%
Current assets
€186k▼ 61.3%
Equity and liabilities €219k
Equity
€171k▼ 44.1%
Debt
€49k▼ 78.1%
The debt ratio falls from 42.1% to 22.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-124k▼
2024 · €232k
Cash flow
€-123k▼
2024 · €118k
Solvency
77.8%▲
2024 · 57.9%
Current ratio
3.82▲
2024 · 2.16
Quick ratio
3.82▲
2024 · 2.16
Debt / equity
0.29▼
2024 · 0.73
ROE
-78.8%▼
2024 · 34.3%
ROA
-61.3%▼
2024 · 19.9%
Interest coverage
-226.92▼
2024 · 2472.58
Debt
€49k▼
2024 · €222k
Debt ≤ 1 year
€49k▼
2024 · €222k
Staff costs
€196k▼
2024 · €468k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€527k€219k▼
Fixed assets21/28€47k€33k▼
Tangible fixed assets22/27€40k€26k▼
Plant, machinery and equipment23€18k€13k▼
Furniture and vehicles24€22k€14k▼
Financial fixed assets28€7k€7k=
Current assets29/58€480k€186k▼
Amounts receivable within one year40/41€154k€39k▼
Trade receivables40€12k€12k=
Other amounts receivable41€142k€26k▼
Cash at bank and in hand54/58€326k€143k▼
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€527k€219k▼
Equity10/15€305k€171k▼
Contributions10/11€19k€19k=
Outside capital11-€19k
Other1109/19-€19k
Profit (loss) carried forward14€286k€152k▼
Amounts payable17/49€222k€49k▼
Amounts payable within one year42/48€222k€49k▼
Trade debts44€181k€19k▼
Suppliers440/4€181k€19k▼
Taxes, remuneration and social security45€41k€30k▼
Taxes450/3€6k€8k▲
Remuneration and social security454/9€35k€22k▼
Income statement
Code20242025
Remuneration, social security and pensions62€468k€196k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€2k€7k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€702k€80k▼
Operating profit (loss)9901€219k€-136k▼
Financial income75/76B-€2k
Recurring financial income75-€2k
Non-recurring financial income76B-€2k
Financial charges65/66B€94€546▲
Recurring financial charges65€94€546▲
Profit (loss) for the period before taxes9903€219k€-134k▼
Income taxes67/77€114k-
Profit (loss) for the period9904€105k€-134k▼
Profit (loss) for the period to be appropriated9905€105k€-134k▼
Appropriation of the result
Profit (loss) to be appropriated9906€345k€152k▼
Profit (loss) brought forward from the previous period14P€241k€286k▲
Profit to be distributed694/7€59k-
Return on contributions (dividend)694€59k-
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
06-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 37 days late
2025
31-12
Financial
Weakest financial yearnet €-134k ▼228%
Net result drops to €-134k, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €279k ▲5746%
Operating result €384k, net result €279k, both a record.
31-12
Financial
Equity above €200kEq €259k ▲72%
5 profitable years in a row build equity to €259k.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €150kEq €151k ▲3.3%
4 profitable years in a row build equity to €151k.
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
31-12
Financial
Equity above €100kEq €121k ▲185%
2 profitable years in a row build equity to €121k.
10-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 71 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Koekelberg · 1 establishment unit since 2018
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.
Vrijheidslaan 731081 KoekelbergGround area
392 m²
Building footprint
181 m²
Volume, LiDAR
1,370 m³
2 parcels, Brussels, Flanders · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
FILIMAR CONSTRUCT
since 20182.283.188.374
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41042D0593/00K000 | Flanders | 288 m² | 1 · 108 m² | 7.6 m · 1 fl. |
| 21492B0106/00W005 | Brussels | 104 m² | 1 · 73 m² | 14.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BATI-RAS
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STATE OF THE ART
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Of 15,536 companies in sector 43990 we hold annual accounts for 7,421. 5,976 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-12-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
43240Other construction installation
43299Specialised construction activities
43910Bricklaying and masonry work
43994Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.