I&A CONSTRUCT
ActiveSummary
I&A CONSTRUCT has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63,507 and a net result of €5,474. Equity is growing by about 25% per year across the filed financial years. Its solvency ranks better than 60% of 34,855 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
- Equity
- €63,507
- Profit
- €5,474
- PUIE AdrianDirector
- PUIE loanDirector
- PUIE loana-GeorgianaDirector
Why 83raises riskSize: total assets €113,955Sector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 2.25, cash €18,066Equity €63,507 (55.7% of total assets)Show the evidence
Checked score
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 61% on solvency, 40% on liquidity and 48% on profitability.
The bankruptcy probability was computed on 30-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 6 accounts on average 21 days before the deadline; the sector median (NACE 43) for financial year 2023 is 1 day before the deadline, and 44% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Weakest financial yearnet €5,474 ▼52%
- Annual accounts filedfinancial year 2023 · micro…
Financials · financial year 2025, micro format
2020 to 2025, 5 financial years 2019 to 2025, 6 financial years
The operating result is €6,628 in 2025, compared with €12,547 in 2023. Comparable figures for the intervening years are unavailable.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 43, Specialised construction activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 5,047 companies that looked in July 2024 the way this one looks now, 2.2% went bankrupt within 24 months and 93.9% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,047 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €411 | €411 | €743 | €363 | €220 | - |
| Other operating charges640/8 | - | - | - | €276 | - | €451 | - |
| Gross operating margin9900 | €9,959 | €12,431 | €15,767 | €16,271 | €12,910 | €7,299 | - |
| Operating profit (loss)9901 | €9,074 | €9,006 | €15,080 | €15,252 | €12,547 | €6,628 | - |
| Financial income75/76B | - | - | - | €897 | €1,565 | €1,460 | - |
| Recurring financial income75 | €128 | €1 | €221 | €897 | €1,565 | €1,460 | - |
| Financial charges65/66B | - | - | - | €203 | €189 | €842 | - |
| Recurring financial charges65 | €88 | €272 | €611 | €203 | €189 | €842 | - |
| Profit (loss) for the period before taxes9903 | €9,114 | €8,735 | €14,690 | €15,946 | €13,923 | €7,246 | - |
| Income taxes67/77 | €2,042 | €2,375 | €3,104 | €3,526 | €2,520 | €1,772 | - |
| Profit (loss) for the period9904 | €7,072 | €6,360 | €11,586 | €12,420 | €11,403 | €5,474 | - |
| Profit (loss) for the period to be appropriated9905 | €7,072 | €6,360 | €11,586 | €12,420 | €11,403 | €5,474 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €21,208 | €32,670 | €39,319 | €69,374 | €80,700 | €113,955 | - |
| Fixed assets21/28 | - | €822 | €411 | €756 | €394 | €361 | - |
| Tangible fixed assets22/27 | - | €822 | €411 | €756 | €394 | €361 | - |
| Plant, machinery and equipment23 | - | - | - | - | €394 | - | - |
| Furniture and vehicles24 | - | - | - | €756 | - | €361 | - |
| Current assets29/58 | €21,208 | €31,848 | €38,908 | €68,618 | €80,306 | €113,594 | - |
| Amounts receivable within one year40/41 | €6,072 | €4,012 | €12,549 | €42,471 | €70,657 | €95,528 | - |
| Trade receivables40 | - | - | - | €10,443 | €37,696 | €60,194 | - |
| Other amounts receivable41 | - | - | - | €32,028 | €32,961 | €35,334 | - |
| Cash at bank and in hand54/58 | €15,136 | €27,836 | €26,359 | €26,147 | €9,649 | €18,066 | - |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €21,208 | €32,670 | €39,319 | €69,374 | €80,700 | €113,955 | - |
| Equity10/15 | €13,272 | €19,632 | €28,218 | €40,638 | €48,041 | €63,507 | - |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | - |
| Capital10 | - | - | - | €6,200 | €6,200 | €6,200 | - |
| Issued capital100 | - | - | - | €18,600 | €18,600 | €18,600 | - |
| Uncalled capital101 | - | - | - | €12,400 | €12,400 | €12,400 | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | - |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | - |
| Legal reserve130 | - | - | - | €1,860 | €1,860 | €1,860 | - |
| Profit (loss) carried forward14 | €5,212 | €11,572 | €20,158 | €32,578 | €39,981 | €55,447 | - |
| Amounts payable17/49 | €7,936 | €13,038 | €11,101 | €28,736 | €32,659 | €50,448 | - |
| Amounts payable within one year42/48 | €7,936 | €13,038 | €11,101 | €28,736 | €32,659 | €50,448 | - |
| Trade debts44 | €5,895 | €8,054 | €191 | €10,589 | €12,323 | €29,227 | - |
| Suppliers440/4 | - | - | - | €10,589 | €12,323 | €29,227 | - |
| Advances received on contracts in progress46 | - | - | - | €390 | €390 | €390 | - |
| Taxes, remuneration and social security45 | - | - | - | €17,757 | €15,946 | €20,831 | - |
| Taxes450/3 | - | - | - | €11,047 | €15,946 | €14,531 | - |
| Remuneration and social security454/9 | - | - | - | €6,710 | - | €6,300 | - |
| Other amounts payable47/48 | - | - | - | - | €4,000 | - | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,072 | €6,360 | €11,586 | €12,420 | €11,403 | €5,474 | - |
| + Depreciation and write-downs630 | - | €411 | €411 | €743 | €363 | €220 | - |
| Operating cash flow (approximation) | €7,072 | €6,771 | €11,997 | €13,163 | €11,766 | €5,694 | - |
| Investment in fixed assets (approximation) | - | - | €0 | -€1,088 | -€1 | - | - |
| Change in cash | - | €12,700 | -€1,477 | -€212 | -€16,498 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-06-2025 | micro format | 05-01-2026 | 2026-00002406 |
| 30-06-2023 | micro format | 24-01-2024 | 2024-00010521 |
| 30-06-2022 | micro format | 17-01-2023 | 2023-20559068 |
| 30-06-2021 | micro format | 04-01-2022 | 2022-00200481 |
| 30-06-2020 | micro format | 04-01-2021 | 2021-00300010 |
| 30-06-2019 | micro format | 07-01-2020 | 2020-00600012 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| PUIE Adrian |
|
| PUIE loan |
|
| PUIE loana-Georgiana |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
3 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
27-10
Gazette deed
Resignations: PUIE Adrian, PUIE loan and PUIE loana-GeorgianaAppointments: PUIE Adrian, PUIE loan and PUIE loana-Georgiana · Registered-office move · Capital conversion12 facts ▸
- Registered-office move, 9310 Meldert-Aalst,Bisschopweg,8
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening, eigen vermogensrekening niet-opgevraagde inbrengen” (deed in French)
- Reserve release, “vormen en meerderheden van de statutenwijziging, eenparigheid van stemmen” (deed in French)
- Other provision, “eenparigheid van stemmen, vrijstelling om de niet-volgestorte inbreng vol te storten” (deed in French)
- Amendment of the articles
- General meeting, 20-09-2022
- Director resignation, PUIE Adrian (manager)
- Director resignation, PUIE loan (manager)
- Director resignation, PUIE loana-Georgiana (manager)
- Director appointment, PUIE Adrian (director)
- Director appointment, PUIE loan (director)
- Director appointment, PUIE loana-Georgiana (director)
About the unread acts
Of the 2 Belgian Official Gazette deeds we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
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, with enterprise number 0689.779.470
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 41039B0351/00G000 | Flanders | 138 m² | 1 · 115 m² | - |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- 1&A CONSTRUCT
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, geen wijziging van het Gewest die een wijziging van de taal van de statuten in overeenstemming met de bestaande taalwetgeving…” (deed in French)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Artikel 13: Vertegerwoordiging van de vennootschap De (iedere) bestuurder vertegenwoordigt de vennootschap jegens derden en in rechte als…”
- Board ruleHow the board is made up, meets and takes decisions.
- “1, bestuur” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Op naam, 100” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Helft overdrager,helft koper(s) naar evenredigheid aantal, geen beroep op rechter” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- 31 December at 18:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Algemene vergadering” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed