K&D CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of K&D CONSTRUCT is 2.8% (moderate). The 2025 annual accounts show equity of €1,354 and a net result of €14,224. Equity is growing by about 39% per year across the filed financial years. Its solvency ranks better than 14% of 9,348 sector peers (NACE 41, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- €1,354
- Profit
- €14,224
Why 53raises riskFounded in 2022Sector: Construction of residential and non-residential buildings (NACE 41)lowers riskFigures for financial year 2025 (filed 17-02-2026)Liquidity: current ratio 0.80, cash €15,354Show the evidence
Checked score
About 3 in 100 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 41, micro): better than 13% on solvency, 71% on liquidity, 91% on profitability and 89% on growth.
The bankruptcy probability was computed on 29-10-2026 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 3 accounts on average 58 days before the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
- Purpose · Amendment of the articlesPurpose change
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €14,224
Financials · financial year 2025, micro format
2023 to 2025, 3 financial years
The operating result returns to profit in 2025: €14,907 after a loss of €1,110 in 2024, the highest result in the available series.
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 41, Construction of residential and non-residential buildings: 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 2,157 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 94.1% are still going.
- Micro
- 2 to 5 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.8% over twelve months; the group does not contradict it.
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 2,157 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €2,018 | - |
| Other operating charges640/8 | €782 | €64 | €1,243 | ▲ 19× |
| Gross operating margin9900 | -€1,922 | -€1,047 | €18,168 | - |
| Operating profit (loss)9901 | -€2,704 | -€1,110 | €14,907 | - |
| Financial income75/76B | €67 | - | - | - |
| Recurring financial income75 | €67 | - | - | - |
| Financial charges65/66B | €66 | €12,057 | €683 | ▼ 94.3% |
| Recurring financial charges65 | €66 | €57 | €683 | ▲ 12× |
| Non-recurring financial charges66B | - | €12,000 | - | - |
| Profit (loss) for the period before taxes9903 | -€2,703 | -€13,167 | €14,224 | - |
| Profit (loss) for the period9904 | -€2,703 | -€13,167 | €14,224 | - |
| Profit (loss) for the period to be appropriated9905 | -€2,703 | -€13,167 | €14,224 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €13,471 | €788 | €49,179 | ▲ 62× |
| Fixed assets21/28 | €12,000 | - | €30,574 | - |
| Tangible fixed assets22/27 | - | - | €30,574 | - |
| Leasing and similar rights25 | - | - | €30,574 | - |
| Financial fixed assets28 | €12,000 | - | - | - |
| Current assets29/58 | €1,471 | €788 | €18,605 | ▲ 24× |
| Amounts receivable within one year40/41 | €1,430 | €409 | €1,607 | ▲ 293% |
| Trade receivables40 | - | - | €400 | - |
| Other amounts receivable41 | €1,430 | €409 | €1,207 | ▲ 195% |
| Cash at bank and in hand54/58 | €42 | €379 | €15,354 | ▲ 40× |
| Deferred charges and accrued income490/1 | - | - | €1,644 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €13,471 | €788 | €49,179 | ▲ 62× |
| Equity10/15 | €297 | -€12,870 | €1,354 | - |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | -€2,703 | -€15,870 | -€1,646 | ▲ 89.6% |
| Amounts payable17/49 | €13,174 | €13,658 | €47,825 | ▲ 250% |
| Amounts payable after more than one year17 | - | - | €24,477 | - |
| Financial debts170/4 | - | - | €24,477 | - |
| Amounts payable within one year42/48 | €13,174 | €13,658 | €23,348 | ▲ 71.0% |
| Current portion of amounts payable after more than one year42 | - | - | €5,622 | - |
| Trade debts44 | €1,174 | €1,081 | €4,486 | ▲ 315% |
| Suppliers440/4 | €1,174 | €1,081 | €4,486 | ▲ 315% |
| Other amounts payable47/48 | €12,000 | €12,577 | €13,240 | ▲ 5.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,703 | -€13,167 | €14,224 | - |
| + Depreciation and write-downs630 | - | - | €2,018 | - |
| Operating cash flow (approximation) | -€2,703 | -€13,167 | €16,242 | - |
| Change in cash | - | €338 | €14,975 | ▲ 44× |
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 (3)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 16-02-2026 | 2026-00039205 |
| 31-12-2024 | micro format | 02-07-2025 | 2025-00231582 |
| 31-12-2023 | micro format | 20-08-2024 | 2024-00365002 |
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
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| PELSERS Dieter Jules Evelina |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Holdings and subsidiaries
1 holdingHoldings 1
-
48%
According to the 2024 annual accounts of K&D CONSTRUCT and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
23-09
Gazette deed
Purpose · Amendment of the articlesPurpose change4 facts ▸
- General meeting, 10-09-2026
- Other provision, “ontslag notaris voorlezing, voorzitter ontslaat notaris voorlezing te geven” (deed in Dutch)
- Purpose change
- Amendment of the articles
24-02
Gazette deed
Registered officeRegistered-office move2 facts ▸
- General meeting, 02-01-2025
- Registered-office move, Schans 5, 3980 Tessenderlo, België
08-11
Gazette deed
IncorporationAppointment: PELSERS Dieter Jules Evelina (director) · Founder · Founding capital7 facts ▸
- Incorporation, “K&D CONSTRUCT” (deed in Dutch)
- Founder, PELSERS Dieter Jules Evelina (vennoten oprichters)
- Founding capital, €3,000
- Registered office clause, “3290 Diest,Hollestraat 19” (deed in Dutch)
- Board rule, 1
- Director appointment, PELSERS Dieter Jules Evelina (director (not named in the articles))
- Pre-incorporation commitments, “takeover, alle verbintenissen,verplichtingen en activiteiten in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 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 0793.275.205
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 |
|---|---|---|---|---|
| 71057A0619/00R000 | Flanders | 660 m² | 1 · 99 m² | - |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Het uitoefenen van management, consulting- en beheersactiviteiten. Deze activiteiten omvatten ondermeer, zonder dat deze opsomming beperkend…” (deed in Dutch)deed of 23-09-2026
26 activities (deed in Dutch)
- Het uitoefenen van management, consulting- en beheersactiviteiten. Deze activiteiten omvatten ondermeer, zonder dat deze opsomming beperkend is, het uitoefenen van management- en bestuursfuncties in diverse ondernemingen, het sluiten van consulting-en dienstverleningsovereenkomsten, het uitoefenen van consulting functies op onafhankelijke wijze en het verlenen van advies, bijstand en leiding aan bedrijven, privé-persoonen en instellingen.
- Het ontwikkelen van marketingstrategieën, uitwerken van publiciteitscampagnes en huisstijlen.
- Het ontwerpen van grafische en visuele toepassingen voor commerciële en niet commerciële activiteiten.
- Het uitbouwen van een roerend en onroerend vermogen. Het verwerven, vervreemden, beheren, valoriseren, huren en verhuren van onroerende goederen.
- Adviesbureau op gebied van bedrijfsvoering en beheer waaronder onder meer maar niet uitsluitend het verlenen van advies en praktische hulp aan bedrijven in verband met public relations en communicatie, het verlenen van adviezen en hulp aan het bedrijfsleven en de overheid op gebied van bijvoorbeeld planning, organisatie, efficiëntie en toezicht, het verschaffen van informatie aan de bedrijfsleiding, het berekenen van de kosten en baten van de voorgestelde maatregelen op het gebied van planning, organisatie en efficiëntie, het verlenen van adviezen op het gebied van beheer in het algemeen.
- Studie, organisatie en raadgevend bureau inzake financiële, handels-, bedrijfseconomische of sociale aangelegenheden met inbegrip van alle handelingen die verband houden met advies, documentatie en publicatie over juridische, sociale, economisch en financiële problemen
- Het begeleiden van bedrijven op het gebied van handel, nijverheid en administratie, het verrichten van secretariaatswerkzaamheden, het domiciliëren van bedrijven, het ter beschikking stellen van kantoren, magazijnen en fabricageruimten, het verrichten van voorbereidende studies en adviezen op gebied van management, bedrijfsvoering, economische wetgeving, marketing, export en import, het drukken en uitgeven van studies, rapporten en het verlenen van hulp aan bedrijven in oprichting of bij overname van bestaande bedrijven, zenden en ontvangen van post en meer in het algemeen alles te doen wat de oprichting, de uitbating en het beheer van de bedrijven van nut kan zijn.
- Het uitvoeren van schoonmaak-, reinigings-, ontsmettings- en onderhoudswerken voor particulieren, ondernemingen, overheden en andere organisaties;
- Het verrichten van tuinonderhoud, groenonderhoud, aanleg en onderhoud van tuinen, parken en buitenruimten, snoeiwerken en aanverwante werkzaamheden;
- Het uitvoeren van klusjes-, onderhouds-, herstellings- en kleine renovatiewerken, voor zover wettelijk toegestaan;
- Het aanbieden van huishoudelijke diensten, waaronder strijken, wassen, boodschappen doen, huishoudelijke hulp en andere diensten aan huis;
- Het aanbieden van oppas-, gezelschaps- en ondersteuningsdiensten aan particulieren en gezinnen, voor zover hiervoor geen specifieke wettelijke erkenning vereist is;
- Het uitbaten van horecazaken, waaronder restaurants, cafés, brasserieën, snackbars, tearooms, cateringactiviteiten, foodtrucks en alle andere eet- en drankgelegenheden;
- Het organiseren, exploiteren en uitbaten van pop-upconcepten, evenementen, tijdelijke handelszaken, markten, beurzen en aanverwante activiteiten;
- De uitbating, het beheer en de exploitatie van hotels, bed & breakfast (B&B's), vakantiewoningen, vakantieverblijven, gastenkamers en alle andere vormen van toeristische logies;
- Kleinhandel in drank en verkoop van drank voor gebruik ter plaatse.
- Het verlenen van administratieve, organisatorische, logistieke, commerciële en operationele ondersteuning aan hotels, B&B's, vakantieverblijven en andere toeristische accommodaties;
- Het aanbieden van receptie-, onthaal-, reservatie-, conciërge-, housekeeping-, schoonmaak-, onderhouds- en facilitaire diensten voor logies- en horecabedrijven;
- Uitbating van verhuurdiensten van limousines, auto's met chauffeur en taxibedrijven, alsook de verhuur van alle soorten voertuigen;
- Alle activiteiten van betaald personenvervoer of de verhuur van voertuigen met chauffeur
- In het kader van de vernoemde voorwerpen, dienstverlening en verkoop via internet
- Het verrichten van administratieve ondersteuning, secretariaatsdiensten, onthaal- en backofficediensten voor ondernemingen, zelfstandigen, verenigingen en andere organisaties;
- Het aanbieden van bewakings-, veiligheids- en beveiligingsdiensten, toezicht- en controlediensten, uitsluitend mits naleving van alle toepasselijke wettelijke bepalingen en na het verkrijgen van de vereiste vergunningen, erkenningen en registraties;
- Het leveren van logistieke, facilitaire, ondersteunende en operationele diensten aan ondernemingen, particulieren, verenigingen en openbare instellingen;
- De aankoop, verkoop, import, export, distributie, verhuur en exploitatie van goederen, materialen, machines en uitrustingen die rechtstreeks of onrechtstreeks verband houden met het voorwerp;
- Het aanwerven, inzetten, coördineren en beheren van personeel en medewerkers voor de uitvoering van voormelde activiteiten, voor zover wettelijk toegelaten.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimiteddeed of 08-11-2022
- Name clauseThe name the company operates under according to its articles.
- K&D CONSTRUCTdeed of 08-11-2022
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest” (deed in Dutch)deed of 08-11-2022
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, bestuurders” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- 6 February at 12:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Algemene vergadering, vormen vereist voor statutenwijziging” (deed in Dutch)