Ionut Construct
ActiveThe computed 12-month bankruptcy probability of Ionut Construct is 2.4% (moderate). The 2025 annual accounts show equity of €902 and a net result of €23k. Equity is shrinking by ~26.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 32% of 27559 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency56▲+56
Growth58=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
22 d early
2024
19 d late
2023
16 d late
2022
18 d late
2021
26 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€902
2024 · €-22k
2021: €14k
2022: €14k
2023: €-41k
2024: €-22k
2021 → 2025
Total assets
€3k▼ 36.4%
2024 · €5k
2021: €14k
2022: €38k
2023: €7k
2024: €5k
2021 → 2025
Net result
€23k▲ 24.3%
2024 · €19k
2021: €12k
2022: €538
2023: €-55k
2024: €19k
2021 → 2025
Working capital
€902
2024 · €-23k
2021: €14k
2022: €14k
2023: €-42k
2024: €-23k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€14k▲ 3.9%€-41k€-22k▲ 45.6%€902
Operating result€12k-€690▼ 94.1%€-52k€19k€23k▲ 22.9%
Net result€12k-€538▼ 95.4%€-55k€19k€23k▲ 24.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 23% above 2024 and is the highest result in the available series.
Balance-sheet composition
Equity and liabilities €3k
Equity
€902
Debt
€2k
Debt finances 69.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€24k▲
2024 · €19k
Cash flow
€23k▲
2024 · €19k
Interest coverage
144.74▲
2024 · 57.05
Debt
€2k▼
2024 · €27k
Debt ≤ 1 year
€2k▼
2024 · €27k
Ratios withheld: a balance sheet total of €3k is too small for a meaningful ratio.
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 2024
Balance sheet
Code20242025
Assets
Total assets20/58€5k€3k▼
Fixed assets21/28€374-
Tangible fixed assets22/27€374-
Furniture and vehicles24€374-
Current assets29/58€4k€3k▼
Amounts receivable within one year40/41€4k€2k▼
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58-€1k
Equity and liabilities
Total equity and liabilities10/49€5k€3k▼
Equity10/15€-22k€902▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-24k€-1k▲
Amounts payable17/49€27k€2k▼
Amounts payable within one year42/48€27k€2k▼
Financial debts43€5k-
Credit institutions430/8€5k-
Trade debts44€22k€213▼
Suppliers440/4€22k€213▼
Other amounts payable47/48€297€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€374€374=
Other operating charges640/8€393-
Gross operating margin9900€20k€24k▲
Operating profit (loss)9901€19k€23k▲
Financial charges65/66B€338€163▼
Recurring financial charges65€338€163▼
Profit (loss) for the period before taxes9903€19k€23k▲
Profit (loss) for the period9904€19k€23k▲
Profit (loss) for the period to be appropriated9905€19k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-1k▲
Profit (loss) brought forward from the previous period14P€-43k€-24k▲
The notes to these accounts (4 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €23k ▲24.3%
Operating result €23k, net result €23k, both a record.
31-12
Financial
Liquidity times 9current ratio 1.45
Current ratio from 0.16 to 1.45; short-term debt falls from €27k to €2k.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
31-12
Financial
Weakest financial yearnet €-55k ▼10330%
Net result drops to €-55k, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Pieters-Leeuw · 1 establishment unit since 2021
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.
Bergensesteenweg 4211600 Sint-Pieters-LeeuwGround area
5.0 ha
Building footprint
2,505 m²
Volume, LiDAR
81,738 m³
2 parcels, Brussels, Flanders · tallest building 79.0 m, ±25 floors. Linked by address, not a title deed.
1 establishment unit
Ionut Construct
since 20212.312.305.301
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21010B0052/00F000 | Brussels | 4.1 ha | 1 · 1,175 m² | 79.0 m · 25 fl. |
| 23582E0505/00E000 | Flanders | 8,312 m² | 1 · 1,330 m² | - |
Linked by address, not proof of ownership
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.
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Of 15,541 companies in sector 43990 we hold annual accounts for 7,422. 609 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2021
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.