Général Construct M
ActiveSummary
Général Construct M has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54,116 and a net result of €11,627. Equity has been stable since 2018 (±0% per year). Its solvency ranks better than 77% of 9,399 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 03-02-2016 Normal situation
- Activity
- General construction of residential buildings NACE 41001
- Establishment unit
- 2.250.597.562 6061 Charleroi, since 02-03-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 16-10-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.9%
- Gross margin
- €16,607
- ▲ 132%
- Turnover
- ≈ €200,000
- estimated
- Profit
- €11,627
- ▲ 171%
- Equity
- €54,116
- =
- Total assets
- €79,188
- ▲ 7.1%
Score breakdownraises riskSize: total assets €79,188Sector: Construction of residential and non-residential buildings (NACE 41)lowers riskFounded in 2016Figures for financial year 2025 (filed on 22-07-2026)Show the evidence
Checked score
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 77% of them on solvency, 36% on liquidity, 71% on profitability and 35% on growth.
The bankruptcy probability was computed on 03-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 4 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 22-07-2026 at the NBB all 10 filings
Every figure per financial year
The operating result for 2025 is 138% higher than in 2024. It is a recovery after the fall in 2024.
The turnover shown is an estimate from the gross margin.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €1,253 | - | - | €2,577 | - |
| Financial fixed assets | - | - | - | - | €0 |
| Depreciation and write-downs of the year | €5,111 | €417 | €417 | €316 | €859 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,894 | €5,382 | €4,892 | €5,111 | €417 | €417 | €316 | €859 | ▲ 172% |
| Other operating charges640/8 | - | - | - | €475 | €573 | €512 | €515 | €654 | ▲ 27.0% |
| Gross operating margin9900 | €24,929 | €29,061 | €49,328 | €25,904 | €19,333 | €14,201 | €7,160 | €16,607 | ▲ 132% |
| Operating profit (loss)9901 | €19,478 | €23,148 | €43,961 | €20,318 | €18,343 | €13,271 | €6,329 | €15,094 | ▲ 138% |
| Financial income75/76B | - | - | - | - | €292 | €327 | €403 | €298 | ▼ 26.0% |
| Recurring financial income75 | €62 | - | - | - | €292 | €327 | €403 | €298 | ▼ 26.0% |
| Financial charges65/66B | - | - | - | €321 | €338 | €411 | €426 | €418 | ▼ 1.8% |
| Recurring financial charges65 | €535 | €434 | €415 | €321 | €338 | €411 | €426 | €418 | ▼ 1.8% |
| Profit (loss) for the period before taxes9903 | €19,005 | €22,714 | €43,546 | €19,997 | €18,297 | €13,187 | €6,306 | €14,974 | ▲ 137% |
| Income taxes67/77 | €3,884 | €8,679 | €14,188 | €5,058 | €3,938 | €2,876 | €2,008 | €3,347 | ▲ 66.7% |
| Profit (loss) for the period9904 | €15,121 | €14,035 | €29,358 | €14,939 | €14,359 | €10,312 | €4,298 | €11,627 | ▲ 171% |
| Profit (loss) for the period to be appropriated9905 | €15,121 | €14,035 | €29,358 | €14,939 | €14,359 | €10,312 | €4,298 | €11,627 | ▲ 171% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €53,832 | €68,979 | €97,843 | €110,221 | €83,291 | €83,290 | €73,968 | €79,188 | ▲ 7.1% |
| Fixed assets21/28 | €14,002 | €9,713 | €4,821 | €963 | €546 | €128 | €2,388 | €1,530 | ▼ 36.0% |
| Tangible fixed assets22/27 | €13,922 | €9,633 | €4,741 | €883 | €466 | €48 | €2,309 | €1,450 | ▼ 37.2% |
| Plant, machinery and equipment23 | - | - | - | €883 | €466 | €48 | €0 | - | - |
| Furniture and vehicles24 | - | - | - | - | - | - | €2,309 | €1,450 | ▼ 37.2% |
| Financial fixed assets28 | €80 | €80 | €80 | €80 | €80 | €80 | €80 | €80 | = |
| Current assets29/58 | €39,830 | €59,266 | €93,022 | €109,258 | €82,745 | €83,162 | €71,580 | €77,658 | ▲ 8.5% |
| Amounts receivable within one year40/41 | €37,902 | €50,112 | €79,595 | €63,926 | €70,573 | €81,419 | €68,303 | €75,414 | ▲ 10.4% |
| Trade receivables40 | - | - | - | €56,955 | €63,636 | €67,486 | €55,607 | €64,219 | ▲ 15.5% |
| Other amounts receivable41 | - | - | - | €6,971 | €6,937 | €13,934 | €12,696 | €11,195 | ▼ 11.8% |
| Cash at bank and in hand54/58 | €1,504 | €8,726 | €12,993 | €44,900 | €11,743 | €1,304 | €2,833 | €2,082 | ▼ 26.5% |
| Deferred charges and accrued income490/1 | - | - | - | €432 | €429 | €439 | €444 | €162 | ▼ 63.6% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €53,832 | €68,979 | €97,843 | €110,221 | €83,291 | €83,290 | €73,968 | €79,188 | ▲ 7.1% |
| Equity10/15 | €25,153 | €39,188 | €68,546 | €63,853 | €63,853 | €63,853 | €54,116 | €54,116 | = |
| Contributions10/11 | €6,200 | €6,200 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €15,895 | €45,253 | €45,253 | €45,253 | €45,253 | €35,516 | €35,516 | = |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | €43,393 | €43,393 | €43,393 | €33,656 | €33,656 | = |
| Profit (loss) carried forward14 | €17,093 | €17,093 | €17,093 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €28,679 | €29,791 | €29,297 | €46,368 | €19,438 | €19,437 | €19,852 | €25,071 | ▲ 26.3% |
| Amounts payable after more than one year17 | €10,143 | €5,108 | - | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €18,536 | €24,672 | €29,287 | €46,358 | €19,427 | €19,403 | €19,818 | €25,060 | ▲ 26.5% |
| Financial debts43 | - | - | - | €1,667 | €1,667 | €1,667 | €1,667 | €1,667 | = |
| Credit institutions430/8 | - | - | - | €1,667 | €1,667 | €1,667 | €1,667 | €1,667 | = |
| Trade debts44 | €2,265 | €2,291 | €924 | €973 | €751 | €715 | €618 | €58 | ▼ 90.6% |
| Suppliers440/4 | - | - | - | €973 | €751 | €715 | €618 | €58 | ▼ 90.6% |
| Taxes, remuneration and social security45 | - | - | - | €16,491 | €2,213 | €8,047 | €702 | €1,744 | ▲ 149% |
| Taxes450/3 | - | - | - | €14,051 | €2,213 | €1,547 | €702 | €1,744 | ▲ 149% |
| Remuneration and social security454/9 | - | - | - | €2,440 | - | €6,500 | €0 | - | - |
| Other amounts payable47/48 | - | - | - | €27,227 | €14,796 | €8,975 | €16,831 | €21,591 | ▲ 28.3% |
| Accrued charges and deferred income492/3 | - | - | - | €10 | €11 | €34 | €34 | €11 | ▼ 68.0% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,121 | €14,035 | €29,358 | €14,939 | €14,359 | €10,312 | €4,298 | €11,627 | ▲ 171% |
| + Depreciation and write-downs630 | €4,894 | €5,382 | €4,892 | €5,111 | €417 | €417 | €316 | €859 | ▲ 172% |
| Operating cash flow (approximation) | €20,015 | €19,417 | €34,250 | €20,050 | €14,776 | €10,729 | €4,614 | €12,486 | ▲ 171% |
| Investment in fixed assets (approximation) | - | -€1,093 | €0 | -€1,253 | €0 | €1 | -€2,577 | €0 | - |
| Change in cash | - | €7,222 | €4,267 | €31,907 | -€33,157 | -€10,439 | €1,528 | -€750 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 34,693 companies had the same profile as Général Construct M has now. Two years later, 95.3% were still going and 0.7% had gone bankrupt.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
The bankruptcy probability of Général Construct M itself is higher: 0.9% within 12 months. It rests on far more data about Général Construct M than the profile alone.
Test of the method
The method was tested on the 497,446 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 34,693 companies, not a prediction for Général Construct M. 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.
Filings with the National Bank (10)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 22-07-2026 | 2026-00325089 | |
| 31-12-2024 | micro format | 18-07-2025 | 2025-00283320 | |
| 31-12-2023 | micro format | 16-07-2024 | 2024-00257918 | |
| 31-12-2022 | micro format | 20-06-2023 | 2023-00145342 | |
| 31-12-2021 | micro format | 27-07-2022 | 2022-20238579 | |
| 31-12-2020 | micro format | 19-08-2021 | 2021-50500462 | |
| 31-12-2019 | full format | 04-09-2020 | 2020-51500305 | |
| 31-12-2018 | full format | 19-07-2019 | 2019-35400390 | |
| 31-12-2017 | full format | 20-08-2018 | 2018-47700479 | |
| 31-12-2016 | full format | 17-08-2017 | 2017-44600565 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 23-11-2023 Converted to unavailable equity · €20,460
Mandate history
- Board
- began earlier
- end not dated
| Name | Functions and periods |
|---|---|
| LELE Marian |
|
| Ciprian-Vasile |
|
Articles of association
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant,moitié acquéreurs proportionnellement actions si plusieurs, cessions entre vifs”
Articles of association, deed of 23-11-2023 (in French)
Network & group
Général Construct M shares no director with another company.
Companies at the same address
3 other companiesConnections & network
1 current directorThe network starts from the directors of Général Construct M. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
23-11
Gazette deed
Changes of role: LELE Marian (director) and Ciprian-Vasile (director)Amendment of the articles · Capital conversion · Capital10 points ▸
- General meeting, 20-11-2023
- Amendment of the articles, mentioned 2 times in the deed
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Capital
- Director resignation, LELE Marian (manager)
- Director resignation, Ciprian-Vasile (manager)
- Director appointment, LELE Marian (director (not named in the articles))
- Director appointment, Ciprian-Vasile (director (not named in the articles))
- Other provision, “exécution mandat, décharge aux gérants démissionnaires” (deed in French)
- Registered office clause, “6061 Montignies sur Sambre, rue 't Serclaes de Tilly”, 40, “CINQUIÈME RESOLUTION” (deed in French)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
19 activities
- L’entreprise générale de construction.Elle peut réaliser toutes activités relatives à la construction de tous bâtiments,publics ou privés,y compris pas sous-traitance,tous travaux de gros oeuvres,de constructions de maisons individuelles ou immeubles résidentiels ou non,clé sur porte ou non,et notamment tous travaux de maçonnerie et de béton,de menuiserie,de couvertures non métalliques de constructions,de zinguerie et de couvertures métalliques de constructions,d’étanchéité de constructions,de travaux de démolition,de chauffage central,de plafonnage et cimenterie,de peinture,de carreleur,d’électricité,de pose de revêtements des murs et du sol,de vitrage,d’installation de sanitaire et de plomberie,d’installation de chauffage au gaz par appareils individuels,sans que cette énumération soit limitative
- L’entreprise de peinture industrielle,entreprise de recouvrement de corniches en PVC,entreprise de démoussage de toitures,entreprise de ramonage de cheminée,entreprise d’installation d’échafaudages,de rejointoyage et de nettoyage de façades,entreprise de travaux d’égouts,de travaux de distribution d’eau et de gaz,entreprise de travaux de pose de câbles et de canalisations diverses
- L’entreprise d’aménagements de plaines de jeux et de sports,parcs et jardins
- L’entreprise de terrassement,entreprise de travaux de drainage.Entreprise de placement de clôtures
- L’entreprise d’isolation thermique et acoustique
- L’entreprise de ventilation,de chauffage à air chaud,de conditionnement d’air et de tuyauteries industrielles,entreprise de placement de paratonnerres
- L’entreprise de placement de ferronneries,volets,menuiseries en pvc
- La fabrication d’agglomérés de ciment et de produits préfabriqués en ciment,en béton
- L’entreprise de garnissage de meubles non métalliques
- Le placement d’articles en matières plastiques ou synthétiques
- L’entreprise de construction,réfection,entretien des routes
- Les travaux d’isolation
- Le nettoyage de bâtiments,y compris le sablage
- Tous services d’aménagements paysagers,services annexes à la culture,aménagement des paysages,soit plus communément travaux de jardinage
- La fabrication de panneaux électriques pour la récupération de chaleur solaire,installation de systèmes d’alimentation de secours
- Le montage de menuiseries
- La promotion immobilière et la construction en vue de la revente de blocs d’immeubles
- L’achat et vente de matériel et marchandises en tout genre
- L’import et l’export de matériel et de marchandises en tout genre
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 0647.765.109
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 52412A1018/00S010 | Wallonia | 382 m² | 1 · 37 m² | 11.6 m · 3 |