I&A CONSTRUCT
ActiveI&A CONSTRUCT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €5k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▼-11
Solvency81▼-4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 2.46 in 2023; short-term debt: 44.3% and cash: 15.9% of total assets), and 44.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
55.7%
Return on assets
4.8%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
26 d early
2023
7 d early
2022
14 d early
2021
27 d early
2020
27 d early
2019
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▲ 32.2%
2023 · €48k
2019: €13k
2020: €20k
2021: €28k
2022: €41k
2023: €48k
2019 → 2025
Total assets
€114k▲ 41.2%
2023 · €81k
2019: €21k
2020: €33k
2021: €39k
2022: €69k
2023: €81k
2019 → 2025
Net result
€5k▼ 52.0%
2023 · €11k
2019: €7k
2020: €6k
2021: €12k
2022: €12k
2023: €11k
2019 → 2025
Working capital
€63k▲ 32.5%
2023 · €48k
2019: €13k
2020: €19k
2021: €28k
2022: €40k
2023: €48k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€20k-€28k▲ 43.7%€41k▲ 44.0%€48k▲ 18.2%€64k▲ 32.2%
Operating result€9k-€15k▲ 67.4%€15k▲ 1.1%€13k▼ 17.7%€7k▼ 47.2%
Net result€6k-€12k▲ 82.2%€12k▲ 7.2%€11k▼ 8.2%€5k▼ 52.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €7k in 2025, compared with €13k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €114k
Fixed assets
€361▼ 8.4%
Current assets
€114k▲ 41.5%
Equity and liabilities €114k
Equity
€64k▲ 32.2%
Debt
€50k▲ 54.5%
The debt ratio rises from 40.5% to 44.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7k▼
2023 · €13k
Cash flow
€6k▼
2023 · €12k
Solvency
55.7%▼
2023 · 59.5%
Current ratio
2.25▼
2023 · 2.46
Quick ratio
2.25▼
2023 · 2.46
Debt / equity
0.79▲
2023 · 0.68
ROE
8.6%▼
2023 · 23.7%
ROA
4.8%▼
2023 · 14.1%
Interest coverage
8.13▼
2023 · 68.31
Debt
€50k▲
2023 · €33k
Debt ≤ 1 year
€50k▲
2023 · €33k
Income taxes
€2k▼
2023 · €3k
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 2023
Balance sheet
Code20232025
Assets
Total assets20/58€81k€114k▲
Fixed assets21/28€394€361▼
Tangible fixed assets22/27€394€361▼
Plant, machinery and equipment23€394-
Furniture and vehicles24-€361
Current assets29/58€80k€114k▲
Amounts receivable within one year40/41€71k€96k▲
Trade receivables40€38k€60k▲
Other amounts receivable41€33k€35k▲
Cash at bank and in hand54/58€10k€18k▲
Equity and liabilities
Total equity and liabilities10/49€81k€114k▲
Equity10/15€48k€64k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€40k€55k▲
Amounts payable17/49€33k€50k▲
Amounts payable within one year42/48€33k€50k▲
Trade debts44€12k€29k▲
Suppliers440/4€12k€29k▲
Advances received on contracts in progress46€390€390=
Taxes, remuneration and social security45€16k€21k▲
Taxes450/3€16k€15k▼
Remuneration and social security454/9-€6k
Other amounts payable47/48€4k-
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€363€220▼
Other operating charges640/8-€451
Gross operating margin9900€13k€7k▼
Operating profit (loss)9901€13k€7k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€189€842▲
Recurring financial charges65€189€842▲
Profit (loss) for the period before taxes9903€14k€7k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€11k€5k▼
Profit (loss) for the period to be appropriated9905€11k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€55k▲
Profit (loss) brought forward from the previous period14P€33k€50k▲
Profit to be distributed694/7€4k-
Directors or managers695€4k-
The notes to these accounts (3 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
2026
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €5k ▼52%
Net result drops to €5k, the lowest in the series.
2024
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €12k ▲7.2%
Operating result €15k, net result €12k, both a record.
04-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Aalst · 1 establishment unit since 2018
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.
Bisschopweg 89310 AalstGround area
138 m²
Building footprint
115 m²
Parcel 41039B0351/00G000, Flanders. Linked by address, not a title deed.
1 establishment unit
I&A CONSTRUCT
since 20182.278.776.854
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41039B0351/00G000 | Flanders | 138 m² | 1 · 115 m² | - |
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.
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Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 1,560 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-2018
Fiscal year end30-06
Activities, NACEBEL
43331Floor and wall tiling
43230Insulation installation
43291Specialised construction activities
49410Freight transport by road
53200Other postal and courier activities
81210General cleaning of buildings
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.