GARANT CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of GARANT CONSTRUCT is 1.8% (moderate). The 2025 annual accounts show equity of €49k and a net result of €2k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 60% of 7293 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▼ -1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability25▼-9
Solvency96▲+2
Growth52=
Stability100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 1.96 in 2024), and 46.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
3 d early
2024
28 d early
2023
28 d early
2022
17 d late
2021
16 d early
2020
10 d late
2019
2 d early
← 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 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€49k▲ 5.3%
2024 · €47k
2019: €25k
2020: €24k
2021: €31k
2022: €32k
2023: €31k
2024: €47k
2019 → 2025
Total assets
€93k▼ 2.2%
2024 · €95k
2019: €80k
2020: €63k
2021: €135k
2022: €99k
2023: €77k
2024: €95k
2019 → 2025
Net result
€2k▼ 20.9%
2024 · €3k
2019: €8k
2020: €3k
2021: €79k
2022: €5k
2023: €171
2024: €3k
2019 → 2025
Working capital
€49k▲ 6.3%
2024 · €46k
2019: €21k
2020: €23k
2021: €19k
2022: €26k
2023: €23k
2024: €46k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€32k▲ 4.2%€31k▼ 2.6%€47k▲ 49.9%€49k▲ 5.3%
Operating result€77k-€8k▼ 89.4%€2k▼ 69.8%€5k▲ 121%€4k▼ 31.7%
Net result€79k-€5k▼ 93.3%€171▼ 96.8%€3k▲ 1,746%€2k▼ 20.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €93k
Fixed assets
€81▼ 83.1%
Current assets
€93k▼ 1.8%
Equity and liabilities €93k
Equity
€49k▲ 5.3%
Debt
€44k▼ 9.5%
The debt ratio falls from 50.7% to 46.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€4k▼
2024 · €7k
Cash flow
€3k▼
2024 · €5k
Solvency
53.1%▲
2024 · 49.3%
Current ratio
2.13▲
2024 · 1.96
Quick ratio
2.13▲
2024 · 1.96
Debt / equity
0.88▼
2024 · 1.03
ROE
5.1%▼
2024 · 6.8%
ROA
2.7%▼
2024 · 3.3%
Interest coverage
6.90▼
2024 · 11.12
Debt
€44k▼
2024 · €48k
Debt ≤ 1 year
€44k▼
2024 · €48k
Income taxes
€1k▼
2024 · €2k
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 2024
Balance sheet
Code20242025
Assets
Total assets20/58€95k€93k▼
Fixed assets21/28€479€81▼
Tangible fixed assets22/27€479€81▼
Plant, machinery and equipment23€479€81▼
Current assets29/58€94k€93k▼
Amounts receivable within one year40/41€78k€90k▲
Trade receivables40€64k€50k▼
Other amounts receivable41€14k€40k▲
Cash at bank and in hand54/58€14k€579▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€95k€93k▼
Equity10/15€47k€49k▲
Contributions10/11€19k€19k=
Outside capital11-€19k
Other1109/19-€19k
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€26k€29k▲
Amounts payable17/49€48k€44k▼
Amounts payable within one year42/48€48k€44k▼
Trade debts44€42k€36k▼
Suppliers440/4€42k€36k▼
Taxes, remuneration and social security45€2k€7k▲
Taxes450/3€2k€1k▼
Remuneration and social security454/9-€6k
Other amounts payable47/48€5k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€398▼
Other operating charges640/8€399€4k▲
Gross operating margin9900€7k€8k▲
Operating profit (loss)9901€5k€4k▼
Financial income75/76B€0€832▲
Recurring financial income75€0€832▲
Financial charges65/66B€614€597▼
Recurring financial charges65€614€597▼
Profit (loss) for the period before taxes9903€5k€4k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€3k€2k▼
Profit (loss) for the period to be appropriated9905€3k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€29k▲
Profit (loss) brought forward from the previous period14P€23k€26k▲
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
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €171 ▼96.8%
Net result drops to €171, the lowest in the series; recovery starts the following year.
2022
17-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2021
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €79k ▲2226%
Operating result €77k, net result €79k, both a record.
2020
10-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
CANTÎRU Ion
CurrentDirector · since 15-01-2024
15-01-2024
Appointed as Director
15-01-2024
Resigned as Manager
Location & real-estate footprint
Registered office, Brussel · 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.
Pagodenlaan 3431020 BrusselGround area
348 m²
Building footprint
176 m²
Volume, LiDAR
1,763 m³
Parcel 21818E0200/00C002, Brussels · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GARANT CONSTRUCT
since 20172.261.389.902
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21818E0200/00C002 | Brussels | 348 m² | 1 · 176 m² | 12.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
LOG INVEST
BE 0768.924.047
Dilbeek · Eq €49k
ANZA CONSTRUCTIONS
BE 0696.846.317
Manage · Eq €49k
T.D.CONCEPT
BE 0778.254.160
Kampenhout · Eq €49k
TB Entreprises
BE 0797.573.590
Chaumont-Gistoux · Eq €49k
PRO DSC
BE 1005.602.463
Wemmel · Eq €49k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,863. 12,924 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-02-2017
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
43120Site preparation
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.