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GDL CONSTRUCT +

Active Private limited companyfounded 2023active for 2 yearsHoogstraat 12, 2340 BeerseKBO/BCE: BE 1003.300.791
GDL CONSTRUCT +
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Overview

Lifetime

2 annual accounts with figures on one time axis
peak €82,045 (2024)
€47,514▼ 42.1%
lowest -€39,931 (2025)
-€39,931▼ €66,140
peak €41,209 (2024)
€1,278▼ 96.9%
€385,283▲ 41.6%
Board1 name since 2023
1 directordE LOOSE,Gustaaf Stany Frans
Documentsfilings and deeds
24-07-20267 days before the deadline
2025abbreviated format
Gross margin from €82,045 to €47,514Loss of €39,931Equity from €41,209 to €1,278Debts from €272,160 to €385,283Cash from €24,879 to €10,224

Key points

from the 2025 annual accounts

Result

-€39,931 -€39,931
€26,2002024-€39,9002025

From profit to loss in 2025, after a profit of €26,209 in 2024.

Debts

€385,283 100% of the balance sheet
Financial debts 20%Suppliers 68%Taxes and wages 2%Other 10%

Of this, €311,514 falls due within a year.

Position in the sector

-€39,931

Lower net result than 92% of companies in specialised construction. Sector median €26,643 · 9,942 companies.

Checked score

52
Fair
Financially stronger than 8% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.7% across 47,695 companies (NACE 43, micro).

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 01-2025: 1.9% 02-2025: 1.9%● unchanged vs 01-2025 03-2025: 2.0%▲ +0.1 percentage points vs 02-2025 04-2025: 2.4%▲ +0.4 percentage points vs 03-2025 05-2025: 2.4%● unchanged vs 04-2025 06-2025: 2.7%▲ +0.3 percentage points vs 05-2025 07-2025: 3.0%▲ +0.3 percentage points vs 06-2025 08-2025: 3.0%● unchanged vs 07-2025highest value 09-2025: 1.6%▼ -1.4 percentage points vs 08-2025 10-2025: 1.6%● unchanged vs 09-2025 11-2025: 1.6%● unchanged vs 10-2025lowest value 12-2025: 1.6%● unchanged vs 11-2025 01-2026: 1.6%● unchanged vs 12-2025 02-2026: 1.6%● unchanged vs 01-2026 03-2026: 1.6%● unchanged vs 02-2026 04-2026: 1.6%● unchanged vs 03-2026 05-2026: 1.7%▲ +0.1 percentage points vs 04-2026 06-2026: 1.6%▼ -0.1 percentage points vs 05-2026 07-2026: 1.6%● unchanged vs 06-2026 08-2026: 2.0%▲ +0.4 percentage points vs 07-2026 09-2026: 1.8%▼ -0.2 percentage points vs 08-2026 10-2026: 1.8%● unchanged vs 09-2026 11-2026: 1.8%● unchanged vs 10-2026

Financial strength
Weak

25-13equity 0.3% of total assets
9-18short-term debt 80.6% · cash 2.6%
24-55return on assets -10.3%

Score breakdown

raises risk
Sector: Specialised construction activities (NACE 43)
Founded in 2023
Loss of €39,931 (financial year 2025)
lowers risk
Size: total assets €386,561
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 8% of them on solvency, 6% on liquidity, 15% on profitability and 4% on growth.

The bankruptcy probability was computed on 06-11-2026 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 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, 757 companies had the same profile as GDL CONSTRUCT + has now. Each dot stands for 2 companies, two years later.

86.7%
were still trading
4.8%
stopped another way
7.9%
went bankrupt
  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a loss of 10% of the balance sheet or more

Another 0.7% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of GDL CONSTRUCT + itself: 1.8% 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.

The companies in ten equal groups, from the lowest to the highest expected share
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 757 companies, not a prediction for GDL 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

No publishable credit limit, so credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity is insufficient, with a current ratio of 0.58 (0.6 in 2024), below 1. Short-term debt is 80.6% and cash 2.6% of total assets. 99.7% 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

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €386,561
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
raises risk · Founded in 2023
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Loss of €39,931 (financial year 2025)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 9950 sector peers (2025).
NBB · sector comparison
Position among 9950 sector peers
Solvency
better than 8%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
7 days early
2024
27 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 10 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 months
Where today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2023.
KBO publications

Board and ownership

DL
dE LOOSE,Gustaaf Stany Frans
Director
  • dE LOOSE,Gustaaf Stany Frans 100 sharesdeed of 15-12-2023
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:1003300791
Incorporation Founding capital of €15,000, 100 shares · Founder: dE LOOSE, Gustaaf Stany Frans · Appointment: dE LOOSE, Gustaaf Stany Frans (director) · published on 15-12-2023 · Gazette deed
First establishment Hoogstraat 12, Beerse
All 5 events

Comparable companies

same main activity, similar in size and age
Company
GDL CONSTRUCT + Beerse €386,561 €47,514 0.3% -
Grezo Constructions Grimbergen €312,608 €53,647 15.5% -
DAKWERKEN V. GODEFROIDT Izegem €312,752 €54,412 4.8% -
SOENEN MATTHIAS BV Koekelare €363,178 €40,797 22.4% -
Dakwerken Beckaert Zonnebeke €335,748 €65,708 29.0% -
VERVIHOUT Ypres €440,596 €65,544 22.4% -
FL et Fils Toiture Menuiserie Somme-Leuze €332,738 €72,789 44.1% -

These companies have the same main activity as GDL CONSTRUCT +: roofing work (NACE 43410). They are comparable in size and age: total assets between €313,000 and €441,000, founded between 2022 and 2024.

Official details

Source: KBO
Status
Active since 12-12-2023Normal situation
Activity
Roofing workNACE 43410and 1 other
Establishment unit
2.355.238.3902340 Beerse, since 12-12-2023
Financial year end
31 December
Peppol
Reachable since 08-12-2025
Company details

Annual accounts 2025

€47,514▼ 42.1%
≈ €250,000estimated
€39,931
€1,278▼ 96.9%
€386,561▲ 23.4%
Filing
Filed on 24-07-2026, 7 days before the end of the filing period
Financials

Insights on GDL CONSTRUCT +

The computed 12-month bankruptcy probability of GDL CONSTRUCT + is 1.8% (moderate). The annual accounts of GDL CONSTRUCT + for financial year 2025 show a net loss of 97% of the equity at the start of that year.

The 2025 annual accounts show equity of €1,278 and a net result of -€39,931. Its solvency ranks better than 8% of 9,950 sector peers (NACE 43, financial year 2025).

The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

abbreviated format, filed on 24-07-2026, 7 days before the deadline
€47,514
▼ 42.1%
-€30,038
▼ €69,004
-€39,931
▼ €66,140
-€130,552
▼ €51,302
0.3%
▼ 12.8 percentage points
0.58
▼ 0.02

Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €250,000. Estimated: probably between €160,000 and €370,000.

Balance sheet

balance sheet total €386,561 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

0.3%

Higher than 8% of 9,950 companies in 2025.

0.58

Higher than 7% of 9,814 companies in 2025.

-10.3%

Higher than 9% of 9,883 companies in 2025.

GDL CONSTRUCT + Middle half of the sector 80% of the sector Abbreviated accounts in specialised construction (NACE 43)

Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: middle half · Working capital: bottom quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024
Balance sheet: assets
20/58 386,561313,369
21/28 205,600194,188
21 1,2672,367
22/27 204,242191,820
23 21,62327,919
24 30,71341,802
25 150,690122,100
26 1,217-
28 90-
29/58 180,962119,181
3 38,43027,126
30/36 38,43027,126
40/41 131,45062,909
40 71,80015,058
41 59,65047,851
54/58 10,22424,879
490/1 8584,268
Balance sheet: equity and liabilities
10/49 386,561313,369
10/15 1,27841,209
10/11 15,00015,000
14 -13,72226,209
17/49 385,283272,160
17 73,76973,728
170/4 73,76973,728
42/48 311,514198,432
42 39,39226,291
43 3,648-
430/8 3,648-
44 261,638164,568
440/4 261,638164,568
45 6,8365,912
450/3 6,8365,912
47/48 -1,660
Income statement
9900 47,51482,045
630 58,66232,875
640/8 18,8902,629
66A -7,576
9901 -30,03838,966
75/76B 3,43248
75 3,43248
65/66B 13,0606,892
65 13,0606,892
9903 -39,66732,121
67/77 2645,912
9904 -39,93126,209
9905 -39,93126,209
Appropriation of the result
9906 -13,72226,209
14P 26,209-
Document PDFPDF

The notes to these accounts have 13 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 24-07-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 abbreviated format 24-07-2026 2026-00326066 PDF
31-12-2024 abbreviated format 27-08-2025 2025-00411614 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024
28,62371,841
18,73159,084
70,074230,498
-14,656-
-130,552-79,250
0.3%13.2%
0.580.60
0.460.46
-6.60
-63.6%
-10.3%8.4%
2.1910.42

A ratio outside any meaningful range has been withheld (balance sheet total €386,561, equity €1,278).

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
Item20252024
Tangible fixed assets€69,984€227,198
Intangible fixed assets-€3,300
Financial fixed assets€90-
€58,662€32,875

Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)

Insights on GDL CONSTRUCT +

The operating result for 2025 is a loss of €30,038, after a profit of €38,966 in 2024.

Debt's share of the balance-sheet total rises from 86.8% to 99.7%. Equity is lower and debt is higher.

Board & ownership

Board

1 director, since incorporation
dE LOOSE,Gustaaf Stany Frans
Director (not named in the articles)
appointed by deed of 15-12-2023 term without a fixed end
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 15-12-2023

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
dE LOOSE,Gustaaf Stany Frans
Director (not named in the articles)
Board
Mandates as a list
  • dE LOOSE,Gustaaf Stany Frans
    • Director (not named in the articles), appointed by deed of 15-12-2023, still in office

See the board, name and registered office on a given date →

Control

Founder
dE LOOSE,Gustaaf Stany Frans
This company
GDL CONSTRUCT +
Equity €1,278
Loss €39,931 in 2025

Capital

Contribution
€15,000
Shares
100
Contribution per share
€150
Equity per share
€12.78 in 2025
Source
deed of 15-12-2023

Articles of association

deed of 15-12-2023 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Friday of May at 20:00

Shareholders

At incorporation deed of 15-12-2023 ↗

Network & group

No group

GDL CONSTRUCT + has no parent and no holdings in its annual accounts. dE LOOSE,Gustaaf Stany Frans is the only director. GDL CONSTRUCT + shares no director with another company.

At the same address

Hoogstraat 12, 2340 Beerse · 1 other company
RENOBEL
establishment since 19-04-2017 · founded in 2017
 total assets €9,346 (2018)
0674.623.221

Timeline

Timeline

5 events since 2023

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBabbreviated format · 7 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1003300791
Annual accounts 2024 filed PDFabbreviated format · 27 days late
2023
IncorporationFounding capital of €15,000, 100 shares · Founder: dE LOOSE, Gustaaf Stany Frans · Appointment: dE LOOSE, Gustaaf Stany Frans (director) · published on 15-12-20235 points ▸

Open the deed in the Belgian Official Gazette

First establishment Hoogstraat 12, Beerse

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 12 December 2023, GDL CONSTRUCT + was incorporated as a private limited company by one natural person, with a starting capital of €15,000.12 DE LOOSE,Gustaaf Stany Frans is director of the company, appointed by deed of 15-12-2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 15-12-2023
  3. 3National Bank, annual accounts 2025

Company details

Identity

Enterprise number
1003.300.791
VAT number
BE 1003.300.791
Peppol ID
0208:1003300791
Other Peppol ID
9925:BE1003300791
Legal form
Private limited company
Status
Active, normal situation
Founded
12-12-2023
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Friday of May at 20:00
deed of 15-12-2023 (in Dutch)
Peppol
Reachable since 08-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
GDL CONSTRUCT + in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 15-12-2023 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 15-12-2023 (in Dutch)

Activities

NACEBEL 2025
VAT activities
43410 Roofing work main activity
43990 Other specialised construction activities
Social security (RSZ) activities
43410 Roofing work main activity
Codes under NACEBEL 2008
43910 Specialised construction activities main activity
43999 Specialised construction activities
PurposeThe purpose describes the activities the company may carry out under its articles.
“Bouw van daken; Renoveren van daken; Plaatsen van dakbedekking van ongeacht welk materiaal; Plaatsen van dakgoten en regenafvoerbuizen…”
14 activities
  1. Bouw van daken;
  2. Renoveren van daken
  3. Plaatsen van dakbedekking van ongeacht welk materiaal;
  4. Plaatsen van dakgoten en regenafvoerbuizen;
  5. Waterdicht maken van daken en dakterrassen;
  6. Plaatsen van isolatie;
  7. Leveren en plaatsen van milieuvriendelijke energieoplossingen al dan niet op zonne-energie zoals(fotovoltaïsche)zonnepanelen,zonneboilers,batterijen,zonnecollectoren,…;
  8. Timmer-en schrijnwerk;
  9. Toezien op bouwwerkzaamheden;
  10. Montage van buiten-en binnenschrijnwerk van hout,metaal of kunststof:deuren,vensters,kozijnen,trappen,muurkasten,inbouwkeukens,winkelinrichtingen,enzovoort;
  11. Installatie van al dan niet verplaatsbare tussenwanden,bekleding van wanden,plafonds,enzovoort in hout,metaal en kunststof;
  12. Plaatsen van tussenwanden in gipsplaten;
  13. Afbraakwerken;
  14. Overige werkzaamheden in verband met de afwerking van gebouwen niet elders vermeld;
deed of 15-12-2023 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Hoogstraat 12 registered office 2340 Beerse 12-12-2023 2.355.238.390

Buildings and parcels at the address

Ground area
106 m²

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
13043B0109/02R000106 m² - -

Contact

E-mail gdlconstruct@hotmail.com
Phone +32 473 41 94 28

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 1003.300.791

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