Debts
€121,040 74% of the balance sheet
Suppliers 76%Taxes and wages 17%Other 7%
G&T CONSTRUCT
Lifetime
6 annual accounts with figures on one time axispeak €45,958 (2025)
€45,958
lowest -€7,036 (2023)
€22,725
peak €41,791 (2025)
€41,791
€121,040
Board1 name since 2024
1 directorBRUJ Gheorghe
Documentsfilings and deeds
13-11-202513 days late
2025micro format
No figures for the year before
Key points
from the 2025 annual accountsFilings
6 annual accounts 10 days past the deadline
2026 accounts not filed: deadline was 31-10-2026.
Checked score
50
Fair
Financially stronger than 40% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.2% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 13.1%
01-2025: 18.2%▲ +5.1 percentage points vs 12-2024
02-2025: 18.3%▲ +0.1 percentage points vs 01-2025
03-2025: 18.9%▲ +0.6 percentage points vs 02-2025
04-2025: 20.6%▲ +1.7 percentage points vs 03-2025
05-2025: 20.6%● unchanged vs 04-2025
06-2025: 20.8%▲ +0.2 percentage points vs 05-2025
07-2025: 19.6%▼ -1.2 percentage points vs 06-2025
08-2025: 19.6%● unchanged vs 07-2025
09-2025: 19.3%▼ -0.3 percentage points vs 08-2025
10-2025: 19.3%● unchanged vs 09-2025
11-2025: 22.2%▲ +2.9 percentage points vs 10-2025highest value
12-2025: 2.8%▼ -19.4 percentage points vs 11-2025
01-2026: 2.8%● unchanged vs 12-2025
02-2026: 2.6%▼ -0.2 percentage points vs 01-2026
03-2026: 2.6%● unchanged vs 02-2026
04-2026: 2.6%● unchanged vs 03-2026
05-2026: 2.6%● unchanged vs 04-2026
06-2026: 2.4%▼ -0.2 percentage points vs 05-2026lowest value
07-2026: 2.7%▲ +0.3 percentage points vs 06-2026
08-2026: 3.1%▲ +0.4 percentage points vs 07-2026
09-2026: 3.1%● unchanged vs 08-2026
10-2026: 2.6%▼ -0.5 percentage points vs 09-2026
11-2026: 3.2%▲ +0.6 percentage points vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Ex-officio strike-off in the KBO
Figures for financial year 2025 (filed on 21-11-2025)
Size: turnover €523,889, total assets €162,831
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 41, micro). It does better than 32% of them on solvency, 39% on liquidity and 49% on profitability.
The bankruptcy probability was computed on 09-11-2026 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 31-03-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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, 6,713 companies had the same profile as G&T CONSTRUCT has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of G&T CONSTRUCT itself is higher: 3.2% within 12 months. It rests on far more data about G&T CONSTRUCT than the profile alone.
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 6,713 companies, not a prediction for G&T 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 €2,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.3 (0.97 in 2023), below the usual 1.5. Short-term debt is 74.3% and cash 25.9% of total assets. 74.3% 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
Six signals.
raises risk
raises risk · 2025 accounts filed 13 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 13-11-2025, 13 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2026
not filed
2025
13 days late
2023
on the day
2022
30 days early
2021
4 days early
2020
10 days late
2019
49 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 6 days after the deadline. In the sector (NACE 41), the median for financial year 2023 was on the deadline day, and 47% of those companies filed late.
raises risk · Administrative warnings in the KBO publications
The FPS Economy published 1 notice about the company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0682493681
Registered office moved from Dilbeek to Ternat
New registered office: Veldstraat 8, 1742 Ternat · Previous registered office: Molenkouter 1, 1700 Dilbeek · Change of role: BRUJ Gheorghe, from manager to director · Gazette deed
Address struck
Molenkouter 1 1700 L’adresse du siège Molenkouter 1 1700 Molenkouter 1, 1700 Dilbeek
Dilbeek is doorgehaald met ingang van Dilbeek · effective 03-04-2024 · KBO administration
Incorporation
Founders: BRUJ Gheorghe and LENHARD Pavel · Founding capital of €18,600, 100 shares, €6,200 paid up · Appointment: BRUJ Gheorghe (manager) · published on 06-10-2017 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| G&T CONSTRUCT Ternat | €523,889 | 5.9% | 25.7% | - |
| SAG CONSTRUCTIONS Londerzeel | - | - | 44.3% | - |
| BAI BUILDING Scherpenheuvel-Zichem | - | - | 56.7% | - |
| WOOD UP Ganshoren | - | - | 38.5% | - |
| XANACON Poperinge | - | - | 44.8% | - |
| VERVAELE DRIES Lichtervelde | - | - | 65.1% | - |
| CHIRA CONSTRUCT Braine-le-Comte | €567,124 | 5.9% | 58.1% | - |
Grey: the largest companies of the sector (construction of buildings (NACE 41)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as G&T CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €139,000 and €184,000, founded between 2016 and 2018.
Official details
Source: KBO- Status
- Active since 04-10-2017Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 3 others
- Establishment unit
- 2.269.425.064since 04-10-2017
- Financial year end
- 31 March
- Peppol
- Reachable since 06-02-2026
Insights on G&T CONSTRUCT
G&T CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from €7,423 in 2019 to €45,958 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 G&T CONSTRUCT
- What is the company number of G&T CONSTRUCT?
- The company number of G&T CONSTRUCT is 0682.493.681. The VAT number is the same number with BE in front: BE 0682.493.681.
- Where is G&T CONSTRUCT based?
- The registered office is at Veldstraat 8, 1742 Ternat.Company details
- What does G&T CONSTRUCT do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of G&T CONSTRUCT?
- G&T CONSTRUCT is a private limited company (BV).
- When was G&T CONSTRUCT founded?
- G&T CONSTRUCT was founded on 04-10-2017.
- Is G&T CONSTRUCT still active?
- Yes, G&T CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of G&T CONSTRUCT?
- The turnover of G&T CONSTRUCT was €523,889 in financial year 2025, according to the filed annual accounts.Financials
- Is G&T CONSTRUCT profitable?
- In financial year 2025, G&T CONSTRUCT made a profit of €22,725.
- Where can I find the annual accounts of G&T CONSTRUCT?
- G&T CONSTRUCT filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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