HC CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of HC CONSTRUCT is 2.8% (moderate). The 2024 annual accounts show equity of €16k and a net result of €15k. Its solvency ranks better than 15% of 9982 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability61
Solvency30
Growth-
Track record79
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.33; short-term debt: 73% and cash: 10% of total assets), and 95.4% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
4.6%
Return on assets
4.3%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 9982 sector peers (2024).
NBB · sector comparisonPosition among 9982 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2024
35 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€838k
EBIT margin
2.4%
Net result
€15k
Working capital
€86k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €353k
Fixed assets
€9k
Current assets
€344k
Equity and liabilities €353k
Equity
€16k
Debt
€337k
Debt finances 95.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€28k
Cash flow
€23k
Current ratio
1.33
Debt to equity
20.72
ROE
93.8%
ROA
4.3%
Interest coverage
67.71
Debt ≤ 1 year
€258k
Income taxes
€5k
Staff costs
€48k
Filed annual accounts As filed with the NBB · 2024 · 37 lines
Balance sheet
Code2024
Assets
Total assets20/58€353k
Fixed assets21/28€9k
Intangible fixed assets21€916
Tangible fixed assets22/27€8k
Furniture and vehicles24€8k
Current assets29/58€344k
Amounts receivable within one year40/41€309k
Trade receivables40€124k
Other amounts receivable41€185k
Cash at bank and in hand54/58€35k
Equity and liabilities
Total equity and liabilities10/49€353k
Equity10/15€16k
Contributions10/11€1k
Profit (loss) carried forward14€15k
Amounts payable17/49€337k
Amounts payable within one year42/48€258k
Trade debts44€253k
Suppliers440/4€253k
Taxes, remuneration and social security45€5k
Taxes450/3€5k
Accrued charges and deferred income492/3€79k
Income statement
Code2024
Turnover70€838k
Goods, raw materials, services and sundry goods60/61€756k
Remuneration, social security and pensions62€48k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k
Other operating charges640/8€5k
Gross operating margin9900€82k
Operating profit (loss)9901€20k
Financial income75/76B€100
Recurring financial income75€100
Financial charges65/66B€416
Recurring financial charges65€416
Profit (loss) for the period before taxes9903€20k
Income taxes67/77€5k
Profit (loss) for the period9904€15k
Profit (loss) for the period to be appropriated9905€15k
Appropriation of the result
Profit (loss) to be appropriated9906€15k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2023
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.
Uitbreidingstraat 842600 AntwerpenGround area
9,631 m²
Building footprint
998 m²
Volume, LiDAR
20,276 m³
Parcel 11303B0445/00N008, Flanders · tallest building 25.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
HC CONSTRUCT
since 20232.346.236.592
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303B0445/00N008 | Flanders | 9,631 m² | 1 · 998 m² | 25.2 m · 6 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
PARACHEVEMENT LUXURY
BE 1010.566.883
Evere · Eq €16,255
DAMATA BUILDING
BE 0798.363.844
Vilvoorde · Eq €16,259
A.D.G. Construct
BE 0780.538.313
Charleroi · Eq €16,249
SOLAM-BATI
BE 0661.679.857
Schaarbeek · Eq €16,248
MABO BOUWWERKEN
BE 0882.509.463
Zutendaal · Eq €16,267
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 10,952 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43230Insulation installation
43350Other building finishing work
43410Roofing work
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.