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Complete company report
Generated 22-08-2026
Active BE 0861.085.925Private limited company

INTEGRAL CONSTRUCTION

Temselaan 100 ·1853 Grimbergen, Belgium· 22 yrs active
Sector: Overige gespecialiseerde bouwactiviteiten, neg (43990)
Conclusion Checked

The computed 12-month bankruptcy probability of INTEGRAL CONSTRUCTION is 4.8% (elevated). The 2021 annual accounts show equity of €27k and a net result of €7k. Equity is growing by ~26.2% per year across the filed fiscal years. Its solvency ranks better than 40% of 3660 sector peers (fiscal year 2021). The company has been active since 2003 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €27k
Net result €7k
Better than sector 40%
Active 22 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health78Profitability68Solvency58Growth78Stability92
75 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 78
Profitability 68
Solvency 58
Growth 78
Stability 92
Bankruptcy probability (12 mo) Checked model v1 · free
4.8% Elevated
0%0,5%1,5%4%10%≥25%
Recent warning signals +Annual accounts: weaker financial profile +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
3 / 100
Low risk
Components
· 1 administrative flag (+3)
Trust signals 1 signals
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags1 events
Late accounts filing
Health barometer FY 2021 · computed
78 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2021. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 02-11-2021 with the NBB · fiscal year 2021 · micro
€-100k€0€100k€200k€300kOperating result 2019: €-950€-950Net result 2019: €-3k€-3kOperating result 2020: €-707€-707Net result 2020: €-3k€-3kRevenue 2021: €270k€270kOperating result 2021: €12k€12kNet result 2021: €7k€7k201920202021
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~26.2%/year over 3 fiscal years, indicative, assuming unchanged policy.
€10k€20k€30k€40k2022: €32k (€30k - €34k)2023: €36k (€34k - €39k)2024: €41k (€39k - €43k)2019: €18k2020: €17k2021: €27k201920202021202220232024
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2021 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 28.3% 36.2%
better than 40% of 3660 sector peers
Net result €10k €11k
better than 48% of 3652 sector peers
Equity €27k €26k
better than 51% of 3665 sector peers
Gross operating margin €12k €31k
better than 27% of 3652 sector peers
Total assets €96k €87k
better than 54% of 3661 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€270k
- 19-21
Net profit
€7k
- 19-21
Total assets
€96k
+451.2% 19-21
Equity
€27k
+59.1% 19-21
Working capital
€27k
+59.1% 19-21
Income taxes
€3k
- 19-21
Debt
€69k
+19023.7% 19-21
Debt ≤ 1y
€69k
+19023.7% 19-21
Show 6 other metrics
Current ratio
1.39
-97.1% 19-21
Quick ratio
1.39
-97.1% 19-21
Solvency
28.3%
-71.1% 19-21
ROE
24.4%
- 19-21
ROA
6.9%
- 19-21
Net margin
2.4%
- 19-21
Figures by fiscal year
Fiscal year2021
Depositmicro
Revenue€270k
EBITDA-
Net profit€7k
Cash flow-
Staff costs-
Income taxes€3k
Dividends-
Total assets€96k
Equity€27k
Debt€69k
of which ≤ 1y€69k
of which > 1y-
Working capital€27k
Employees (FTE)-
Ratios (computed)
2021
Current ratio1.39
Quick ratio1.39
Working capital ratio28.3%
Solvency28.3%
Debt / equity-
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin2.4%
ROA6.9%
ROE24.4%
EBITDA margin-
Days sales outstanding109d
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2021
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2021
Balance sheet, Assets
TOTAL ASSETS 20/58€96k
Current assets 29/58€96k
Amounts receivable within one year 40/41€81k
Cash & bank 54/58€15k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€96k
Equity 10/15€27k
Reserves 13€2k
Accumulated profits (losses) 14€7k
Amounts payable 17/49€69k
Amounts payable within one year 42/48€69k
Trade debts payable within one year 44€65k
Income statement
Turnover 70€270k
Gross operating margin 9900€12k
Operating result 9901€12k
Financial income 75€2k
Financial charges 65€106
Result before taxes 9903€13k
Income taxes 67/77€3k
Net result for the period 9904€10k
Result to be appropriated 9905€10k
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • CHIFA Gheorghe
    Director
    State Gazette act 25097846 (31-07-2025)
    Current
    01-07-2025 → present
Former directors (1)
  • CUREA Mircea
    Director
    State Gazette act 25097846 (31-07-2025)
    Former
    - → 30-06-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Overige gespecialiseerde bouwactiviteiten, neg(43990)
Legal form Private limited company(610)
Incorporation15-10-2003
StatusActive
Postal code1853
Establishment units 1 location
INTEGRAL CONSTRUCTION
Paleizenstraat over de Bruggen 422, 1020 BrusselGroothandel in nieuwe en gebruikte auto's voor personenvervoer, inclusief die voor bijzondere doeleinden (b.v. ambulances)
since 20032.133.807.384
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
23084B0061/00V000 Flanders 11.6 ha 1 · 5,332 m² 19.5 m · 3 fl.
21815D0254/00D005 Brussels 117 m² 1 · 114 m² 20.7 m · 6 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 13 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
03-04-2026
KBO administration Late accounts filing
2025
31-07-2025
State Gazette act Director changes
2021
02-11-2021
NBB filing Annual accounts filed
fiscal year 2021 · micro
2020
16-11-2020
NBB filing Annual accounts filed
fiscal year 2020 · micro
2019
30-12-2019
NBB filing Annual accounts filed
fiscal year 2019 · micro
2018
26-09-2018
NBB filing Annual accounts filed
fiscal year 2018 · micro
2017
27-09-2017
NBB filing Annual accounts filed
fiscal year 2017 · micro
2016
12-09-2016
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2015
04-09-2015
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2014
26-09-2014
NBB filing Annual accounts filed
fiscal year 2014 · volledig
2013
17-09-2013
NBB filing Annual accounts filed
fiscal year 2013 · volledig
2012
23-10-2012
NBB filing Annual accounts filed
fiscal year 2012 · volledig
Lifecycle & Insolvency Signals1 events
03-04-2026
KBO administration Late accounts filing
 · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262026-04-03 · KBO administration · Late accounts filing
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgian State Gazette reading coverage 0 of 11 acts read

We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
31-07-2025 1 director appointed, 1 resigning Director changes
  • CHIFA Gheorghe, Bestuurder
  • CUREA Mircea, Bestuurder
Technical details 
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      "role": "bestuurder",
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      },
      "reason": "de_plein_droit_dissolution",
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2025-06-30",
      "evidence_quote": "De heer CUREA Mircea heeft zijn ontslag als bestuurder gepresenteerd.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
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      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "decharge_granted",
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      "effective_date": "2025-06-30",
      "evidence_quote": "De Algemene Vergadering beslist het verlenen van kwijting aan de heer CUREA Mircea begin met de datum 30/06/2025.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
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        "name": "CHIFA Gheorghe",
        "address": null,
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        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2025-07-01",
      "evidence_quote": "De heer CHIFA Gheorghe wordt benoemd tot bestuurder begin met de datum 01/07/2025.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-07-31",
    "filing_date": "2025-07-24",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2025-06-30",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0861.085.925",
    "name_full": "INTEGRAL CONSTRUCTION",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "CUREA Mircea",
    "org_rep_person_name": null,
    "person_role_at_subject": "bestuurder"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Overige gespecialiseerde bouwactiviteiten, neg43990Overige gespecialiseerde bouwwerkzaamheden43999Optrekken van gebouwen voor industrieel of commercieel gebruik, voor landbouwdoeleinden, enz.45213Overige werkzaamheden in verband met de afwerking van gebouwen43350Overige gespecialiseerde werkzaamheden in de bouw45250
Primary activity highlighted.
Names & trade names
Legal nameFR INTEGRAL CONSTRUCTION
Registered office
Temselaan 100 bus A
1853 Grimbergen, Belgium
Registration history
  1. 03-04-2026 Late accounts filing
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative