G&T CONSTRUCT
ActiveG&T CONSTRUCT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €23k. Equity is growing by ~50.7% per year across the filed fiscal years. Its solvency ranks better than 31% of 7391 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▲+61
Solvency51▲+1
Growth75▲+30
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 0.97 in 2023; short-term debt: 74.3% and cash: 25.9% of total assets), and 74.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
13 d late
2023
on the day
2022
30 d early
2021
4 d early
2020
10 d late
2019
49 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€524k▲ 92.9%
2021 · €272k
2019: €276k
2020: €202k
2021: €272k
2019 → 2025
EBIT margin
5.9%▲ 3.6pp
2021 · 2.3%
2019: -0.4%
2020: 1.7%
2021: 2.3%
2019 → 2025
Net result
€23k
2023 · €-7k
2019: €-3k
2020: €2k
2021: €5k
2022: €10k
2023: €-7k
2019 → 2025
Working capital
€36k
2023 · €-967
2019: €-7k
2020: €-2k
2021: €5k
2022: €874
2023: €-967
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Turnover€202k-€272k▲ 34.3%€524k
Equity€5k-€10k▲ 91.8%€19k▲ 97.3%€12k▼ 36.5%€42k▲ 241%
Operating result€4k-€6k▲ 76.8%€17k▲ 180%€6k▼ 63.7%€31k▲ 390%
Net result€2k-€5k▲ 205%€10k▲ 103%€-7k€23k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €31k in 2025, compared with €6k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €163k
Fixed assets
€5k▼ 59.8%
Current assets
€158k▲ 330%
Equity and liabilities €163k
Equity
€42k▲ 241%
Debt
€121k▲ 222%
The debt ratio falls from 75.4% to 74.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▲
2023 · €13k
Cash flow
€28k▲
2023 · €-574
Solvency
25.7%▲
2023 · 24.6%
Current ratio
1.30▲
2023 · 0.97
Quick ratio
1.30▲
2023 · 0.97
Debt / equity
2.90▼
2023 · 3.07
ROE
54.4%▲
2023 · -57.4%
ROA
14.0%▲
2023 · -14.1%
Interest coverage
55.20▲
2023 · 1.26
Debt
€121k▲
2023 · €38k
Debt ≤ 1 year
€121k▲
2023 · €38k
Income taxes
€8k▲
2023 · €3k
Staff costs
€1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2023
Balance sheet
Code20232025
Assets
Total assets20/58€50k€163k▲
Fixed assets21/28€13k€5k▼
Tangible fixed assets22/27€13k€5k▼
Plant, machinery and equipment23€521€786▲
Furniture and vehicles24€13k€5k▼
Current assets29/58€37k€158k▲
Amounts receivable within one year40/41€34k€115k▲
Trade receivables40€26k€45k▲
Other amounts receivable41€8k€70k▲
Cash at bank and in hand54/58-€42k
Deferred charges and accrued income490/1€3k€133▼
Equity and liabilities
Total equity and liabilities10/49€50k€163k▲
Equity10/15€12k€42k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€6k€36k▲
Amounts payable17/49€38k€121k▲
Amounts payable within one year42/48€38k€121k▲
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€29k€92k▲
Suppliers440/4€29k€92k▲
Taxes, remuneration and social security45€7k€21k▲
Taxes450/3€4k€21k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48-€8k
Income statement
Code20232025
Turnover70-€524k
Non-recurring operating income76A-€6k
Goods, raw materials, services and sundry goods60/61-€484k
Remuneration, social security and pensions62-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€4k€8k▲
Gross operating margin9900€17k€46k▲
Operating profit (loss)9901€6k€31k▲
Financial income75/76B€211€317▲
Recurring financial income75€211€317▲
Financial charges65/66B€10k€663▼
Recurring financial charges65€10k€663▼
Profit (loss) for the period before taxes9903€-4k€31k▲
Income taxes67/77€3k€8k▲
Profit (loss) for the period9904€-7k€23k▲
Profit (loss) for the period to be appropriated9905€-7k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€36k▲
Profit (loss) brought forward from the previous period14P€13k€13k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
13-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
31-03
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €-7k ▼174%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
2022
01-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
10-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
31-03
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ternat · 1 establishment unit since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Veldstraat 81742 TernatGround area
485 m²
Building footprint
264 m²
Volume, LiDAR
1,312 m³
2 parcels, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
G&T CONSTRUCT
since 20172.269.425.064
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23071A0078/02L005 | Flanders | 339 m² | 1 · 118 m² | 9.7 m · 2 fl. |
| 23079B0306/00T000 | Flanders | 146 m² | 1 · 146 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 12,896 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2017
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.