G&A CONSTRUCT
ActiveSummary
G&A CONSTRUCT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €-14k. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 51% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency73▼-17
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 2.37 in 2024; short-term debt: 51.6% and cash: 0.6% of total assets), and 51.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
48.4%
Return on assets
-21.6%
Age of the figures
12 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
34 d early
2023
4 d early
2022
34 d early
2021
40 d early
2020
17 d early
2019
37 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
History
Financials · fiscal year 2025, micro schema
Equity
€31k▼ 30.8%
2024 · €45k
Total assets
€64k▼ 7.4%
2024 · €69k
Net result
€-14k
2024 · €34k
Working capital
€12k▼ 59.5%
2024 · €30k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€9k▲ 58.7%€6k▼ 33.8%€-743€48k€-26k
Net result€4k▲ 1,250%€295▼ 93.2%€-3k€34k€-14k
Equity€14k▲ 46.3%€14k▲ 2.1%€11k▼ 21.9%€45k▲ 306%€31k▼ 30.8%
Total assets€77k▲ 74.3%€68k▼ 12.8%€46k▼ 32.4%€69k▲ 51.4%€64k▼ 7.4%
Debt€64k▲ 81.8%€53k▼ 16.0%€35k▼ 35.2%€24k▼ 29.6%€33k▲ 35.4%
Working capital€-4k▼ 1.1%€3k€3k▼ 18.4%€30k▲ 1,004%€12k▼ 59.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €26k after €48k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64k
Fixed assets
€19k ▲ 6.5%
Current assets
€45k ▼ 12.3%
Equity and liabilities €64k
Equity
€31k ▼ 30.8%
Debt
€33k ▲ 35.4%
Debt's share of the balance-sheet total rises from 35.3% to 51.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k▼
2024 · €55k
Cash flow
€-5k▼
2024 · €41k
Current ratio
1.36▼
2024 · 2.37
Quick ratio
1.14▼
2024 · 2.10
Debt to equity
1.07▲
2024 · 0.55
ROE
-44.6%▼
2024 · 75.4%
ROA
-21.6%▼
2024 · 48.8%
Interest coverage
-8.85▼
2024 · 77.26
Debt ≤ 1 year
€33k▲
2024 · €22k
Income taxes
€291▼
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14k | €16k | €8k | €7k | €8k | ▲ 21.4% |
| Other operating charges640/8 | - | €2k | €2k | €3k | €3k | ▲ 14.1% |
| Gross operating margin9900 | €25k | €24k | €9k | €57k | €-15k | ▼ 125% |
| Operating profit (loss)9901 | €9k | €6k | €-743 | €48k | €-26k | ▼ 155% |
| Financial income75/76B | - | €244 | €457 | €755 | €15k | ▲ 1,832% |
| Recurring financial income75 | €70 | €244 | €457 | €755 | €1k | ▲ 37.2% |
| Non-recurring financial income76B | - | - | - | - | €14k | - |
| Financial charges65/66B | - | €2k | €919 | €710 | €2k | ▲ 180% |
| Recurring financial charges65 | €1k | €2k | €919 | €710 | €2k | ▲ 180% |
| Profit (loss) for the period before taxes9903 | €8k | €4k | €-1k | €48k | €-13k | ▼ 128% |
| Income taxes67/77 | €3k | €3k | €2k | €14k | €291 | ▼ 97.9% |
| Profit (loss) for the period9904 | €4k | €295 | €-3k | €34k | €-14k | ▼ 141% |
| Profit (loss) for the period to be appropriated9905 | €4k | €295 | €-3k | €34k | €-14k | ▼ 141% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €77k | €68k | €46k | €69k | €64k | ▼ 7.4% |
| Formation expenses20 | - | - | - | €0 | €0 | - |
| Fixed assets21/28 | €37k | €24k | €16k | €18k | €19k | ▲ 6.5% |
| Intangible fixed assets21 | €1k | - | - | €0 | €0 | - |
| Tangible fixed assets22/27 | €36k | €24k | €16k | €18k | €19k | ▲ 6.5% |
| Land and buildings22 | - | - | - | €4k | €7k | ▲ 80.9% |
| Plant, machinery and equipment23 | - | - | - | €0 | €1k | - |
| Furniture and vehicles24 | - | €6k | €3k | €6k | €8k | ▲ 36.7% |
| Leasing and similar rights25 | - | €19k | €13k | €8k | €3k | ▼ 64.5% |
| Current assets29/58 | €41k | €43k | €29k | €51k | €45k | ▼ 12.3% |
| Stocks and contracts in progress3 | €3k | €24k | €11k | €6k | €8k | ▲ 26.4% |
| Stocks30/36 | - | €3k | €9k | €6k | €8k | ▲ 26.4% |
| Contracts in progress37 | - | €21k | €2k | - | - | - |
| Amounts receivable within one year40/41 | €10k | €18k | €15k | €32k | €24k | ▼ 24.8% |
| Trade receivables40 | - | €8k | €4k | €24k | €4k | ▼ 82.0% |
| Other amounts receivable41 | - | €9k | €12k | €8k | €20k | ▲ 137% |
| Cash at bank and in hand54/58 | €26k | - | €2k | €11k | €396 | ▼ 96.5% |
| Deferred charges and accrued income490/1 | - | €2k | €1k | €2k | €13k | ▲ 627% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €77k | €68k | €46k | €69k | €64k | ▼ 7.4% |
| Equity10/15 | €14k | €14k | €11k | €45k | €31k | ▼ 30.8% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €19k | €19k | €19k | €39k | €25k | ▼ 35.8% |
| Distributable reserves133 | - | €19k | €19k | €39k | €25k | ▼ 35.8% |
| Profit (loss) carried forward14 | €-11k | €-11k | €-14k | - | - | - |
| Amounts payable17/49 | €64k | €53k | €35k | €24k | €33k | ▲ 35.4% |
| Amounts payable after more than one year17 | €19k | €13k | €8k | €3k | - | - |
| Financial debts170/4 | - | €13k | €8k | €3k | - | - |
| Amounts payable within one year42/48 | €45k | €40k | €26k | €22k | €33k | ▲ 52.7% |
| Current portion of amounts payable after more than one year42 | - | €5k | €5k | €5k | €3k | ▼ 49.1% |
| Financial debts43 | - | €4k | €1k | €1k | €3k | ▲ 232% |
| Credit institutions430/8 | - | €4k | €1k | €1k | €3k | ▲ 232% |
| Trade debts44 | €27k | €29k | €19k | €3k | €25k | ▲ 875% |
| Suppliers440/4 | - | €29k | €19k | €3k | €25k | ▲ 875% |
| Taxes, remuneration and social security45 | - | €2k | €1k | €13k | €2k | ▼ 86.5% |
| Taxes450/3 | - | €2k | €1k | €13k | €1k | ▼ 88.5% |
| Remuneration and social security454/9 | - | - | - | - | €250 | - |
| Other amounts payable47/48 | - | - | - | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €295 | €-3k | €34k | €-14k | ▼ 141% |
| + Depreciation and write-downs630 | €14k | €16k | €8k | €7k | €8k | ▲ 21.4% |
| Operating cash flow (approximation) | €18k | €16k | €5k | €41k | €-5k | ▼ 113% |
| Investment in fixed assets (approximation) | - | €-4k | €0 | €-8k | €-10k | ▼ 16.4% |
| Change in cash | - | - | - | €10k | €-11k | ▼ 213% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 2.37
Current ratio from 1.10 to 2.37; short-term debt falls from €26k to €22k.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Bree · 1 establishment unit since 2012
Ground area
336 m²
Building footprint
106 m²
Volume, LiDAR
651 m³
Parcel 72027A0531/00E000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
G & A Construct
since 20122.207.402.670
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72027A0531/00E000 | Flanders | 336 m² | 1 · 106 m² | 7.7 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.
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Of 20,028 companies in sector 43320 we hold annual accounts for 9,133. 6,840 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
Founded22-02-2012
Fiscal year end30-09
Activities, NACEBEL 2025
43320Joinery installation
16230Manufacture of other builders' carpentry and joinery
43410Roofing work
Contact
E-mail
jokeagten@hotmail.comBree
Phone
0496/788293Bree
Scores and ratios are computed by Checked and are not a credit decision.