FREDERIC CONGIU
ActiveSummary
The computed 12-month bankruptcy probability of FREDERIC CONGIU is 1.9% (moderate). The 2025 annual accounts show equity of €32k and a net result of €15k. Equity is growing by ~52.1% per year across the filed fiscal years. Its solvency ranks better than 42% of 4522 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability88▼-12
Solvency58▼-42
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 6.94 in 2024; short-term debt: 37.4% and cash: 39.7% of total assets), and 67.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% 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
32.8%
Return on assets
15.5%
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 09-04-2026, 113 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
113 d early
2024
13 d early
2023
68 d early
2022
28 d late
2021
23 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
€32k▼ 43.7%
2024 · €57k
2021: €-3klowest in 5 years
2022: €11k▲ +418% vs 2021
2023: €35k▲ +228% vs 2022
2024: €57k▲ +61.8% vs 2023highest in 5 years
2025: €32k▼ -43.7% vs 2024
2021 → 2025
Total assets
€98k▲ 48.2%
2024 · €66k
2021: €59klowest in 5 years
2022: €65k▲ +10.9% vs 2021
2023: €92k▲ +40.5% vs 2022
2024: €66k▼ -28.4% vs 2023
2025: €98k▲ +48.2% vs 2024highest in 5 years
2021 → 2025
Net result
€15k▼ 30.4%
2024 · €22k
2021: €-5klowest in 5 years
2022: €14k▲ +362% vs 2021
2023: €26k▲ +87.9% vs 2022highest in 5 years
2024: €22k▼ -17.9% vs 2023
2025: €15k▼ -30.4% vs 2024
2021 → 2025
Working capital
€11k▼ 78.6%
2024 · €53k
2021: €-24klowest in 5 years
2022: €-4k▲ +83.0% vs 2021
2023: €23k▲ +665% vs 2022
2024: €53k▲ +130% vs 2023highest in 5 years
2025: €11k▼ -78.6% vs 2024
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-3k-€11k€35k▲ 228%€57k▲ 61.8%€32k▼ 43.7%
2021: €-3klowest in 5 years
2022: €11k▲ +418% vs 2021
2023: €35k▲ +228% vs 2022
2024: €57k▲ +61.8% vs 2023highest in 5 years
2025: €32k▼ -43.7% vs 2024
Operating result€-4k-€9k€34k▲ 266%€28k▼ 17.0%€16k▼ 42.5%
2021: €-4klowest in 5 years
2022: €9k▲ +325% vs 2021
2023: €34k▲ +266% vs 2022highest in 5 years
2024: €28k▼ -17.0% vs 2023
2025: €16k▼ -42.5% vs 2024
Net result€-5k-€14k€26k▲ 87.9%€22k▼ 17.9%€15k▼ 30.4%
2021: €-5klowest in 5 years
2022: €14k▲ +362% vs 2021
2023: €26k▲ +87.9% vs 2022highest in 5 years
2024: €22k▼ -17.9% vs 2023
2025: €15k▼ -30.4% 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 has fallen two years in a row; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€50k ▲ 1,202%
Current assets
€48k ▼ 22.8%
Equity and liabilities €98k
Equity
€32k ▼ 43.7%
Debt
€66k ▲ 634%
Debt's share of the balance-sheet total rises from 13.6% to 67.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€19k▼
2024 · €29k
Cash flow
€19k▼
2024 · €23k
Current ratio
1.31▼
2024 · 6.94
Debt to equity
2.05▲
2024 · 0.16
ROE
47.2%▲
2024 · 38.2%
ROA
15.5%▼
2024 · 33.0%
Interest coverage
18.43▼
2024 · 31.77
Debt ≤ 1 year
€37k▲
2024 · €9k
Debt > 1 year
€29k
Income taxes
€4k▼
2024 · €6k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€66k€98k▲
Fixed assets21/28€4k€50k▲
Tangible fixed assets22/27€4k€50k▲
Land and buildings22€2k€2k▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€284€44k▲
Current assets29/58€62k€48k▼
Amounts receivable within one year40/41€9k€7k▼
Trade receivables40€2k€1k▼
Other amounts receivable41€7k€6k▼
Cash at bank and in hand54/58€50k€39k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€66k€98k▲
Equity10/15€57k€32k▼
Contributions10/11€2k€2k=
Reserves13€55k€30k▼
Distributable reserves133€55k€30k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€9k€66k▲
Amounts payable after more than one year17-€29k
Financial debts170/4-€29k
Amounts payable within one year42/48€9k€37k▲
Current portion of amounts payable after more than one year42-€7k
Financial debts43-€500
Credit institutions430/8-€500
Trade debts44€1k€987▼
Suppliers440/4€1k€987▼
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Other amounts payable47/48€0€23k▲
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€631€897▲
Non-recurring operating charges66A€3k€0▼
Gross operating margin9900€32k€20k▼
Operating profit (loss)9901€28k€16k▼
Financial income75/76B€445€4k▲
Recurring financial income75€43€613▲
Non-recurring financial income76B€402€4k▲
Financial charges65/66B€917€1k▲
Recurring financial charges65€917€1k▲
Profit (loss) for the period before taxes9903€27k€19k▼
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€22k€15k▼
Profit (loss) for the period to be appropriated9905€22k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€15k▼
Transfer from equity791/2-€40k
Transfer to equity691/2€22k€15k▼
To other reserves6921€22k€15k▼
Profit to be distributed694/7€0€40k▲
Return on contributions (dividend)694-€40k
Directors or managers695€0-
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €1k | €0 | - | - | - | - |
| Remuneration, social security and pensions62 | €35k | €162 | €37 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17k | €90 | €3k | €1k | €3k | ▲ 185% |
| Other operating charges640/8 | €2k | €556 | €555 | €631 | €897 | ▲ 42.3% |
| Non-recurring operating charges66A | €1k | €-62 | €0 | €3k | €0 | ▼ 100% |
| Gross operating margin9900 | €51k | €10k | €37k | €32k | €20k | ▼ 37.2% |
| Operating profit (loss)9901 | €-4k | €9k | €34k | €28k | €16k | ▼ 42.5% |
| Financial income75/76B | €646 | €8k | €507 | €445 | €4k | ▲ 867% |
| Recurring financial income75 | €646 | €263 | €507 | €43 | €613 | ▲ 1,336% |
| Non-recurring financial income76B | - | €8k | €0 | €402 | €4k | ▲ 818% |
| Financial charges65/66B | €2k | €1k | €2k | €917 | €1k | ▲ 15.2% |
| Recurring financial charges65 | €2k | €1k | €2k | €917 | €1k | ▲ 15.2% |
| Profit (loss) for the period before taxes9903 | €-5k | €16k | €33k | €27k | €19k | ▼ 29.7% |
| Income taxes67/77 | - | €2k | €6k | €6k | €4k | ▼ 27.1% |
| Profit (loss) for the period9904 | €-5k | €14k | €26k | €22k | €15k | ▼ 30.4% |
| Profit (loss) for the period to be appropriated9905 | €-5k | €14k | €26k | €22k | €15k | ▼ 30.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €59k | €65k | €92k | €66k | €98k | ▲ 48.2% |
| Fixed assets21/28 | €21k | €15k | €12k | €4k | €50k | ▲ 1,202% |
| Tangible fixed assets22/27 | €21k | €15k | €12k | €4k | €50k | ▲ 1,202% |
| Land and buildings22 | - | - | - | €2k | €2k | ▲ 34.1% |
| Plant, machinery and equipment23 | €18k | €14k | €11k | €2k | €3k | ▲ 69.2% |
| Furniture and vehicles24 | €2k | €990 | €636 | €284 | €44k | ▲ 15,521% |
| Other tangible fixed assets26 | €1k | €0 | - | - | - | - |
| Current assets29/58 | €38k | €51k | €80k | €62k | €48k | ▼ 22.8% |
| Amounts receivable within one year40/41 | €12k | €8k | €14k | €9k | €7k | ▼ 26.0% |
| Trade receivables40 | €2k | €4k | €10k | €2k | €1k | ▼ 48.8% |
| Other amounts receivable41 | €10k | €4k | €4k | €7k | €6k | ▼ 19.5% |
| Cash at bank and in hand54/58 | €24k | €41k | €63k | €50k | €39k | ▼ 22.2% |
| Deferred charges and accrued income490/1 | €2k | €2k | €3k | €3k | €2k | ▼ 23.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €59k | €65k | €92k | €66k | €98k | ▲ 48.2% |
| Equity10/15 | €-3k | €11k | €35k | €57k | €32k | ▼ 43.7% |
| Contributions10/11 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves13 | - | €9k | €33k | €55k | €30k | ▼ 45.3% |
| Distributable reserves133 | - | €9k | €33k | €55k | €30k | ▼ 45.3% |
| Profit (loss) carried forward14 | €-5k | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €62k | €55k | €57k | €9k | €66k | ▲ 634% |
| Amounts payable after more than one year17 | - | - | - | - | €29k | - |
| Financial debts170/4 | - | - | - | - | €29k | - |
| Amounts payable within one year42/48 | €62k | €55k | €57k | €9k | €37k | ▲ 308% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €7k | - |
| Financial debts43 | - | - | - | - | €500 | - |
| Credit institutions430/8 | - | - | - | - | €500 | - |
| Trade debts44 | €4k | €6k | €3k | €1k | €987 | ▼ 6.5% |
| Suppliers440/4 | €4k | €6k | €3k | €1k | €987 | ▼ 6.5% |
| Taxes, remuneration and social security45 | €1k | €3k | €8k | €8k | €5k | ▼ 39.8% |
| Taxes450/3 | €1k | €3k | €8k | €8k | €5k | ▼ 39.8% |
| Other amounts payable47/48 | €57k | €46k | €46k | €0 | €23k | - |
| Accrued charges and deferred income492/3 | €260 | €0 | - | - | €400 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-5k | €14k | €26k | €22k | €15k | ▼ 30.4% |
| + Depreciation and write-downs630 | €17k | €90 | €3k | €1k | €3k | ▲ 185% |
| Operating cash flow (approximation) | €12k | €14k | €29k | €23k | €19k | ▼ 19.1% |
| Investment in fixed assets (approximation) | - | €6k | €0 | €7k | €-49k | ▼ 797% |
| Change in cash | - | €17k | €22k | €-13k | €-11k | ▲ 15.3% |
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
09-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 6.94
Current ratio from 1.41 to 6.94; short-term debt falls from €57k to €9k.
24-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €26k ▲87.9%
Operating result €34k, net result €26k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Halle · 1 establishment unit since 2020
Ground area
538 m²
Building footprint
77 m²
Volume, LiDAR
620 m³
Parcel 23027F0130/00V003, Flanders · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
FREDERIC CONGIU
since 20202.300.577.803
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23027F0130/00V003 | Flanders | 538 m² | 1 · 77 m² | 9.4 m · 3 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.
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Of 1,705 companies in sector 81230 we hold annual accounts for 473. 337 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
Founded27-02-2020
Fiscal year end31-12
Trade name NL
CHIMINI / ERBA VERDE
Activities, NACEBEL 2025
81230Other cleaning activities
81220Other building cleaning and industrial cleaning
Scores and ratios are computed by Checked and are not a credit decision.