Equity
€11,537 ▲ 131%
GCPL CONSTRUCT paid out €1,666 in dividends. That is 20% of the 2025 profit.
GCPL CONSTRUCT
Overview
Lifetime
2 annual accounts with figures on one time axispeak €12,901 (2025)
€12,901▲ 662%
peak €8,203 (2025)
€8,203▲ 533%
peak €11,537 (2025)
€11,537▲ 131%
€14,513▲ 13.4%
Board2 names since 2024
2 directorsPINTEA LUP Cristian Adrian and 1 other
Documentsfilings and deeds
04-09-202635 days late
2025micro format
Gross margin from €1,693 to €12,901Result from €1,295 to €8,203Dividend €1,666Equity from €5,000 to €11,537Investments €5,684Cash from €9,313 to €15,068
Key points
from the 2025 annual accountsInvestments
€5,684 4.7 × depreciation
Green is investment, beige is depreciation.
Position in the sector
€11,537
Less equity than 82% of companies in specialised construction. Sector median €57,691 · 35,148 companies.
2025 accounts filed 35 days after the deadline
Checked score
69
Healthy
Financially stronger than 76% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 0.8%
01-2026: 0.8%● unchanged vs 12-2025lowest value
02-2026: 0.8%● unchanged vs 01-2026lowest value
03-2026: 0.8%● unchanged vs 02-2026
04-2026: 0.8%● unchanged vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026
06-2026: 0.9%▲ +0.1 percentage points vs 05-2026
07-2026: 0.9%● unchanged vs 06-2026
08-2026: 1.5%▲ +0.6 percentage points vs 07-2026
09-2026: 1.7%▲ +0.2 percentage points vs 08-2026highest value
10-2026: 0.9%▼ -0.8 percentage points vs 09-2026
11-2026: 0.9%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Size: total assets €26,050
Last filed accounts filed 35 days late; 1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 1.48, cash €15,068
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 43, micro). It does better than 48% of them on solvency, 70% on liquidity, 92% on profitability and 93% on growth.
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 31-12-2025.
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, 11,279 companies had the same profile as GCPL CONSTRUCT has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of GCPL CONSTRUCT itself: 0.9% 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 11,279 companies, not a prediction for GCPL 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 €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.48 (1.38 in 2024), below the usual 1.5. Short-term debt is 55.6% and cash 57.8% of total assets. 55.7% 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 risk
raises risk · 2025 accounts filed 35 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-09-2026, 35 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 · 2 filingsDeviation from the deadline
2025
35 days late
2024
22 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 29 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% 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.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016144581
First establishment
Chaussée Brunehault 84, Estinnes
Incorporation
Founding capital of €5,000, 100 shares · Appointments: PINTEA LUP Cristian Adrian (director) and PINTEA LUP Gheorghe (director) · Registered office clause: Chaussée de Brunehault 84, 7120 Estinnes (Estinnes-au-Val) · published on 18-11-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| GCPL CONSTRUCT Estinnes | €26,050 | €12,901 | 44.3% | - |
| NOKS Wemmel | €24,952 | €14,124 | 44.9% | - |
| DEVOS VERWARMING SERVICES Sint-Genesius-Rode | €27,920 | €13,968 | 40.6% | - |
| Péters, Liedekerke & Co Woluwe-Saint-Pierre | €31,162 | €14,909 | 44.2% | - |
| GUIMAPEX Sint-Genesius-Rode | €21,189 | €11,539 | 49.8% | - |
| SCIARA CALOR Seraing | €26,043 | €13,541 | 34.5% | - |
| PlumbTech Solutions Bruges | €24,206 | €17,340 | 55.3% | - |
These companies have the same main activity as GCPL CONSTRUCT: plumbing work (NACE 43221). They are comparable in size and age: total assets between €21,200 and €31,200, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 13-11-2024Normal situation
- Activity
- Plumbing workNACE 43221and 2 others
- Establishment unit
- 2.366.585.6107120 Estinnes, since 27-11-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 18-09-2025
Annual accounts 2025
- €12,901▲ 662%
- ≈ €110,000estimated
- €8,203▲ 533%
- €11,537▲ 131%
- €26,050▲ 46.4%
- Filing
- Filed on 04-09-2026
Insights on GCPL CONSTRUCT
GCPL CONSTRUCT has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11,537 and a net result of €8,203.
Its solvency ranks better than 47% of 35,136 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 04-09-2026, 35 days late€12,901
▲ 662%
€11,462
▲ 577%
€8,203
▲ 533%
€6,980
▲ 42.1%
44.3%
▲ 16.2 percentage points
1.48
▲ 0.10
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 ≈ €110,000. Estimated: probably between €82,000 and €240,000.
Balance sheet
balance sheet total €26,050 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
44.3%
Higher than 47% of 35,136 companies in 2025.
1.48
Higher than 40% of 34,510 companies in 2025.
31.5%
Higher than 88% of 34,711 companies in 2025.
GCPL CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
26,050 | 17,798 | |
21/28 |
4,587 | 114 | |
22/27 |
4,473 | - | |
23 |
3,870 | - | |
24 |
603 | - | |
28 |
114 | 114 | |
29/58 |
21,463 | 17,684 | |
40/41 |
6,366 | 8,370 | |
40 |
5,467 | 3,594 | |
41 |
899 | 4,776 | |
54/58 |
15,068 | 9,313 | |
490/1 |
29 | - | |
| Balance sheet: equity and liabilities | |||
10/49 |
26,050 | 17,798 | |
10/15 |
11,537 | 5,000 | |
10/11 |
5,000 | 5,000 | |
14 |
6,537 | - | |
17/49 |
14,513 | 12,798 | |
42/48 |
14,483 | 12,770 | |
44 |
- | 5,687 | |
440/4 |
- | 5,687 | |
45 |
3,347 | 392 | |
450/3 |
3,347 | 392 | |
47/48 |
11,136 | 6,691 | |
492/3 |
30 | 27 | |
| Income statement | |||
9900 |
12,901 | 1,693 | |
630 |
1,212 | - | |
640/8 |
161 | - | |
66A |
65 | - | |
9901 |
11,462 | 1,693 | |
65/66B |
305 | 6 | |
65 |
305 | 6 | |
9903 |
11,157 | 1,687 | |
67/77 |
2,954 | 392 | |
9904 |
8,203 | 1,295 | |
9905 |
8,203 | 1,295 | |
| Appropriation of the result | |||
9906 |
8,203 | 1,295 | |
694/7 |
1,666 | 1,295 | |
694 |
1,666 | 1,295 | |
| Document | |||
The notes to these accounts have 6 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 04-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 35 days after the deadline. Filed on 4 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00501693.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 12,674 | - | ||
| 9,415 | - | ||
| 5,684 | 114 | ||
| 5,755 | - | ||
| 6,980 | 4,913 | ||
| 44.3% | 28.1% | ||
| 1.48 | 1.38 | ||
| 1.26 | 2.56 | ||
| 71.1% | 25.9% | ||
| 31.5% | 7.3% | ||
| 41.54 | - |
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.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €5,684 | - |
| Financial fixed assets | - | €114 |
| €1,212 | - |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on GCPL CONSTRUCT
The operating result for 2025 is 6.8 times that of 2024.
Debt's share of the balance-sheet total falls from 71.9% to 55.7%. Equity and debt are higher.
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
since 13-11-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 04-09-2026
Director (not named in the articles)
since 13-11-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 04-09-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 12. Pouvoir de représentation Chaque administrateur représente la société à l'égard des tiers et en justice, soit en demandant, soit…”deed of 18-11-2024
Mandates through the years
2 names, the dashed line is todayPINTEA LUP Cristian Adrian
Director (not named in the articles)
Director (not named in the articles)
PINTEA LUP Gheorghe
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- PINTEA LUP Cristian Adrian
- Director (not named in the articles), from 13-11-2024 to date
- PINTEA LUP Gheorghe
- Director (not named in the articles), from 13-11-2024 to date
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €115 in 2025
- Source
- deed of 18-11-2024
Articles of association
deed of 18-11-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant moitié acquéreurs proportionnellement si plusieurs, mêmes formalités si non actionnaires de plein droit”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June
Network & group
No group
GCPL CONSTRUCT has no parent and no holdings in its annual accounts. GCPL CONSTRUCT shares no director with another company.
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 35 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1016144581
Annual accounts 2024 filed NBBmicro format · 22 days late
2024
First establishment Chaussée Brunehault 84, Estinnes
IncorporationFounding capital of €5,000, 100 shares · Appointments: PINTEA LUP Cristian Adrian (director) and PINTEA LUP Gheorghe (director) · Registered office clause: Chaussée de Brunehault 84, 7120 Estinnes (Estinnes-au-Val) · published on 18-11-20244 points ▸
- Founding capital, €5,000, 100 shares
- Registered office clause, Chaussée de Brunehault 84, 7120 Estinnes (Estinnes-au-Val)
- Director appointment, PINTEA LUP Cristian Adrian (director (not named in the articles))
- Director appointment, PINTEA LUP Gheorghe (director (not named in the articles))
- The deed holds 2 more points.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 1016.144.581
- VAT number
- BE 1016.144.581
- Peppol ID
- 0208:1016144581
- Other Peppol ID
- 9925:BE1016144581
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 13-11-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of Junedeed of 18-11-2024 (in French)
- Peppol
- Reachable since 18-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- GCPL CONSTRUCT in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 18-11-2024 (in French)
Activities
NACEBEL 202543221
Plumbing work main activity
43230
Insulation installation
Codes under NACEBEL 2008
43221
Plumbing main activity
43222
Specialised construction activities
43291
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Entrepreneur en construction dans son sens le plus large en ce compris la maçonnerie, le rejointoiement, travaux d’isolation, travaux de…”deed of 18-11-2024 (in French)
2 activities
- Entrepreneur en construction dans son sens le plus large en ce compris la maçonnerie, le rejointoiement, travaux d’isolation, travaux de finition et parachèvement, gros- œuvre, égouttage, toiture, électricité, etc…
- La société pourra également constituer un patrimoine immobilier tant pour elle-même que pour ses actionnaires.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Chaussée Brunehault 84 registered office 7120 Estinnes 4221902 Civil engineering | 27-11-2024 | 2.366.585.610 |
Buildings and parcels at the address
- Ground area
- 1,201 m²
- Buildings
- 101 m²
- Volume, LiDAR
- 575 m³
- Tallest building
- 7.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 55011C0424/00M000 | 1,201 m² | 1 · 101 m² | 7.3 m · 2 |
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 1016.144.581