Debts
€534,218 95% of the balance sheet
Financial debts 30%Suppliers 47%Taxes and wages 12%Other 11%
Of this, €494,218 falls due within a year.
FUTURE CONSTRUCT
Lifetime
3 annual accounts with figures on one time axispeak €37,478 (2024)
€12,618▼ 66.3%
lowest -€36,600 (2025)
-€36,600▼ €40,482
peak €65,064 (2024)
€28,464▼ 56.3%
€534,218▼ 65.7%
Board1 name since 2023
1 directorVAN LIERDE Cliff Robert
Documentsfilings and deeds
18-06-202643 days before the deadline
2025micro format
Gross margin from €37,478 to €12,618Loss of €36,600Equity from €65,064 to €28,464Debts from €1.6m to €534,218Cash from €629,297 to €857
Key points
from the 2025 annual accountsFilings
3 annual accounts 2 late
The 2024 accounts came latest: 56 days after the end of the period.
Position in the sector
-€36,600
Lower net result than 89% of companies in real estate. Sector median €5,997 · 17,176 companies.
Checked score
53
Fair
Financially stronger than 16% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.5%▲ +0.1 percentage points vs 04-2025
06-2025: 0.5%● unchanged vs 05-2025
07-2025: 0.5%● unchanged vs 06-2025
08-2025: 0.8%▲ +0.3 percentage points vs 07-2025
09-2025: 1.0%▲ +0.2 percentage points vs 08-2025
10-2025: 0.2%▼ -0.8 percentage points vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025lowest value
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 1.0%▲ +0.8 percentage points vs 06-2026highest value
08-2026: 1.0%● unchanged vs 07-2026highest value
09-2026: 1.0%● unchanged vs 08-2026
10-2026: 1.0%● unchanged vs 09-2026
11-2026: 1.0%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Liquidity: current ratio 1.14, cash €857, halved
1 of the last 3 accounts late
lowers risk
Sector: Real estate activities (NACE 68)
Size: total assets €562,682
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 26% of them on solvency, 5% on liquidity, 21% on profitability and 11% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 865 companies had the same profile as FUTURE CONSTRUCT has now. Each dot stands for 3 companies, two years later.
96.6%
were still trading
1.7%
stopped another way
1.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FUTURE CONSTRUCT itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,447 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 865 companies, not a prediction for FUTURE 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
Credit of up to €1,500 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.14 (1.32 in 2024), below the usual 1.5. Short-term debt is 87.8% and cash 0.2% of total assets. 94.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 18-06-2026, 43 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
43 days early
2024
56 days late
2023
29 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 14 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (3 of the last 3 accounts filed within 73 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0797260123
Incorporation
Founding capital of €75,000, 100 shares · Founder: VAN LIERDE Cliff Robert · Appointment: VAN LIERDE Cliff Robert (director) · published on 19-01-2023 · Gazette deed
First establishment
Tervuursesteenweg 778, Zemst
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FUTURE CONSTRUCT Zemst | €562,682 | €12,618 | 5.1% | - |
| ABG CONCEPT Enghien | €543,227 | €12,814 | 0.4% | - |
| Fiddler’s Green Housing Denderleeuw | €495,018 | €11,434 | 21.5% | - |
| Mai-son deux Grobbendonk | €651,978 | €14,343 | -0.7% | - |
| DASMUS P Antwerp | €470,089 | €15,753 | 22.0% | - |
| Paloma Real Estate Development Ternat | €800,366 | €14,139 | 0.5% | - |
| Carreau Begijnendijk | €583,405 | €33,786 | 5.7% | - |
These companies have the same main activity as FUTURE CONSTRUCT: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €470,000 and €800,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 17-01-2023Normal situation
- Activity
- Development of residential building projectsNACE 68121and 2 others
- Establishment unit
- 2.340.815.8761982 Zemst, since 17-01-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 14-01-2026
Annual accounts 2025
- ≈ €53,000estimated
- €562,682▼ 65.3%
- Filing
- Filed on 18-06-2026, 43 days before the end of the filing period
Insights on FUTURE CONSTRUCT
FUTURE CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from -€3,318 in 2023 to €12,618 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FUTURE CONSTRUCT
- What is the company number of FUTURE CONSTRUCT?
- The company number of FUTURE CONSTRUCT is 0797.260.123. The VAT number is the same number with BE in front: BE 0797.260.123.
- Where is FUTURE CONSTRUCT based?
- The registered office is at Tervuursesteenweg 778, 1982 Zemst.Company details
- What does FUTURE CONSTRUCT do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of FUTURE CONSTRUCT?
- FUTURE CONSTRUCT is a private limited company (BV).
- When was FUTURE CONSTRUCT founded?
- FUTURE CONSTRUCT was founded on 17-01-2023.
- Is FUTURE CONSTRUCT still active?
- Yes, FUTURE CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of FUTURE CONSTRUCT?
- The turnover in financial year 2025 is ≈ €53,000. This figure is estimated from the gross margin of €12,618 and 48 comparable companies (NACE 68121). It probably lies between €26,000 and €170,000. It is a rough estimate.Financials
- Is FUTURE CONSTRUCT profitable?
- In financial year 2025, FUTURE CONSTRUCT made a loss of €36,600.
- Where can I find the annual accounts of FUTURE CONSTRUCT?
- FUTURE CONSTRUCT filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FUTURE CONSTRUCT due?
- FUTURE CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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