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
Overview
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.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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
- €12,618▼ 66.3%
- ≈ €53,000estimated
- €36,600
- €28,464▼ 56.3%
- €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.
Financials
Annual accounts 2025
micro format, filed on 18-06-2026, 43 days before the deadline€12,618
▼ 66.3%
€12,618
▼ 66.2%
-€36,600
▼ €40,482
€68,464
▼ 82.4%
5.1%
▲ 1.0 percentage points
1.14
▼ 0.18
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €53,000. Estimated: probably between €26,000 and €170,000.
Balance sheet
balance sheet total €562,682 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
5.1%
Higher than 27% of 17,185 companies in 2025.
1.14
Higher than 50% of 16,482 companies in 2025.
-6.5%
Higher than 14% of 16,861 companies in 2025.
FUTURE CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in real estate (NACE 68)
Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
562,682 | 1.6m | 535,811 | |
29/58 |
562,682 | 1.6m | 535,811 | |
3 |
206,970 | 511,286 | 480,826 | |
30/36 |
206,970 | 511,286 | 480,826 | |
40/41 |
354,855 | 480,557 | 50,869 | |
40 |
241,359 | 455,545 | 48,426 | |
41 |
113,496 | 25,012 | 2,442 | |
54/58 |
857 | 629,297 | 4,116 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
562,682 | 1.6m | 535,811 | |
10/15 |
28,464 | 65,064 | 61,182 | |
10/11 |
75,000 | 75,000 | 75,000 | |
14 |
-46,536 | -9,936 | -13,818 | |
17/49 |
534,218 | 1.6m | 474,629 | |
17 |
40,000 | 325,000 | - | |
170/4 |
40,000 | 325,000 | - | |
42/48 |
494,218 | 1.2m | 474,629 | |
43 |
120,324 | 251,307 | 385,300 | |
430/8 |
120,324 | 251,307 | 385,300 | |
44 |
249,723 | 782,281 | 54,129 | |
440/4 |
249,723 | 782,281 | 54,129 | |
46 |
13,930 | - | - | |
45 |
64,863 | 142,289 | - | |
450/3 |
64,863 | 142,289 | - | |
47/48 |
45,378 | 55,200 | 35,200 | |
| Income statement | ||||
9900 |
12,618 | 37,478 | -3,318 | |
66A |
- | 100 | - | |
9901 |
12,618 | 37,378 | -3,318 | |
75/76B |
4,941 | 39 | - | |
75 |
4,941 | 39 | - | |
65/66B |
54,158 | 33,535 | 10,500 | |
65 |
54,158 | 33,535 | 10,500 | |
9903 |
-36,600 | 3,882 | -13,818 | |
9904 |
-36,600 | 3,882 | -13,818 | |
9905 |
-36,600 | 3,882 | -13,818 | |
| Appropriation of the result | ||||
9906 |
-46,536 | -9,936 | -13,818 | |
14P |
-9,936 | -13,818 | - | |
| Document | ||||
The notes to these accounts have 3 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 18-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| -628,441 | 625,181 | - | ||
| 68,464 | 390,064 | 61,182 | ||
| 5.1% | 4.0% | 11.4% | ||
| 1.14 | 1.32 | 1.13 | ||
| 0.72 | 0.90 | 0.12 | ||
| 18.77 | 23.92 | 7.76 | ||
| -128.6% | 6.0% | -22.6% | ||
| -6.5% | 0.2% | -2.6% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on FUTURE CONSTRUCT
The operating result for 2025 is 66% lower than in 2024.
Debt's share of the balance-sheet total falls from 96.0% to 94.9%. Equity and debt are lower.
Board & ownership
Board
1 director, since incorporationDirector
appointed by deed of 19-01-2023
term without a fixed end
also on the board of 1 other company
listed in the 2025 annual accounts, filed on 18-06-2026
Mandates through the years
1 name, the dashed line is todayVAN LIERDE Cliff Robert
Director
Director
Board
Mandates as a list
- VAN LIERDE Cliff Robert
- Director, from 17-01-2023 to date
Control
Capital
- Contribution
- €75,000
- Shares
- 100
- Contribution per share
- €750
- Equity per share
- €285 in 2025
- Source
- deed of 19-01-2023
Articles of association
deed of 19-01-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Friday of June at 18:00
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Vormvereisten,aanwezigheidsquorum en meerderheid Wetboek van vennootschappen en verenigingen, algemene vergadering”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Om welke reden en op welk ogenblik ook, één of meerdere vereffenaars aanduiden,bevoegdheden omlijnen en vergoeding bepalen”
Shareholders
At incorporation
deed of 19-01-2023 ↗
- VAN LIERDE Cliff Robert 100 shares (100%) · €75,000
Network & group
No group
FUTURE CONSTRUCT has no parent and no holdings in its annual accounts. VAN LIERDE Cliff Robert is the only director.
At the same address
Tervuursesteenweg 778, 1982 Zemst · 3 other companies| FUTURE INVESTING
registered office since 14-01-2021 · founded in 2021 · negative equity (2025) |
1.9 FTE (2025) 0761.574.120 |
| V.L.C. CONSTRUCT
registered office since 23-05-1986 · founded in 1985 |
total assets €322,957 (2025) 0428.822.251 |
| Van Wynsberghe, Ilse (sole trader)
establishment since 17-10-2001 |
founded in 2001 0748.358.166 |
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
V.L.C. CONSTRUCT
via VAN LIERDE Cliff Robert · Sole director · deed of 24-10-2022
Founded in 1985 · total assets €322,957 (2025)
→
Timeline
Timeline
8 events since 2023Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 43 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0797260123
2025
Weakest financial year net -€36,600 The net result drops to -€36,600, the lowest from 2023 to 2025.
Annual accounts 2024 filed PDFmicro format · 56 days late
2024
Back to profit net €3,882 The net result is €3,882, after one loss-making year.
Annual accounts 2023 filed PDFmicro format · 29 days late
2023
IncorporationFounding capital of €75,000, 100 shares · Founder: VAN LIERDE Cliff Robert · Appointment: VAN LIERDE Cliff Robert (director) · published on 19-01-20235 points ▸
- Registered office clause, Tervuursesteenweg 778, 1982 Zemst
- Director appointment, VAN LIERDE Cliff Robert
- Founder, VAN LIERDE Cliff Robert
- Founding capital, €75,000, 100 shares
- Capital, €75,000, 100 shares
- The deed holds 2 more points.
First establishment Tervuursesteenweg 778, Zemst
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
FUTURE CONSTRUCT was incorporated on 17 January 2023 as a private limited company by one natural person, with a starting capital of €75,000.12 VAN LIERDE Cliff Robert is director of the company, appointed by deed of 19-01-2023.2 Total assets went from €535,811 in 2023 to €562,682 in 2025.3
Company details
Identity
- Enterprise number
- 0797.260.123
- VAT number
- BE 0797.260.123
- Peppol ID
- 0208:0797260123
- Other Peppol ID
- 9925:BE0797260123
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 17-01-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Friday of June at 18:00deed of 19-01-2023 (in Dutch)
- Peppol
- Reachable since 14-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- FUTURE CONSTRUCT in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 19-01-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 19-01-2023 (in Dutch)
Activities
NACEBEL 202568121
Development of residential building projects main activity
Codes under NACEBEL 2008
41101
Real estate development main activity
41102
Construction of residential and non-residential buildings
71111
Architectural and engineering activities; technical testing and analysis
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het beheren van vermogens van roerende en onroerende goederen, het aankopen, verkopen, ruilen, doen bouwen, doen verbouwen, onderhouden…”deed of 19-01-2023 (in Dutch)
9 activities
- Het beheren van vermogens van roerende en onroerende goederen, het aankopen, verkopen, ruilen, doen bouwen, doen verbouwen, onderhouden, verhuren, huren en verkavelen van onroerende goederen, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit doel in verband staan en die van aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen.
- Aanneming van algemene bouwwerken en oprichten van gebouwen en woningen voor alle gebruik en in de ruimste zin;
- Het aannemen en uitvoeren van alle soorten bouw-, verbouwings- en veranderingswerken;
- Het uitvoeren (of laten uitvoeren) van elektriciteitswerken;
- Onderneming voor industriebouw, bouwwerken, dakwerken, gevelwerken, en alle werkzaamheden in verband met het optrekken en oprichten van gebouwen, inbegrepen pleister- en voegwerken, dakbedekkingswerkzaamheden, stukadoorswerken, metsel- en bezettingswerken, betegelingswerken, betonwerken, bevloeringswerken, schilder- en behangwerken, loodgieterij en schrijnwerkerij, alsmede alle werkzaamheden die betrekking hebben op de gehele of gedeeltelijke uitvoering van voltooiingwerken of op de coördinatie van deze voltooiingwerken in de mate dat zij door onderaannemers uitgevoerd worden.
- De vennootschap kan de activiteiten van beroepskoper uitoefenen en desgevallend hiervoor de benodigde verklaringen afleggen.
- De aankoop, verkoop en verhuur van alle materialen en producten nodig in verband met bovenstaande activiteiten en dit in de meest uitgebreide zin.
- Zij kan tevens rechtstreeks of onrechtstreeks belangen nemen, hetzij door deelneming, inbreng of op elke andere wijze, in alle vennootschappen, ondernemingen, samenwerkingsverbanden, beroepsverenigingen of groeperingen, bestaande of op te richten, zowel in België als in het buitenland, die een gelijkwaardig of verwant voorwerp nastreven of waarvan het voorwerp in nauwe samenwerking met het hare staat.
- Zij kan optreden als bestuurder of vereffenaar in andere vennootschappen; zij kan eveneens borg staan voor derden, zowel aandeelhouders, bestuurders als loutere derden, evenals hun leningen, voorschotten en kredieten toestaan, met inachtneming van de wettelijke beperkingen en voorschriften.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Tervuursesteenweg 778 registered office 1982 Zemst | 17-01-2023 | 2.340.815.876 |
Buildings and parcels at the address
- Ground area
- 758 m²
- Buildings
- 132 m²
- Volume, LiDAR
- 934 m³
- Tallest building
- 11.5 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23018D0231/00D000 | 758 m² | 1 · 132 m² | 11.5 m · 3 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0797.260.123