K.O. CONSTRUCT
ActiveK.O. CONSTRUCT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €9k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 91% of 7293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-29
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 6.68 against 3.48 in 2024), and 14.8% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
85.2%
Return on assets
12.1%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
30 d late
2022
on the day
2021
2 d early
2020
20 d late
2019
54 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▲ 16.6%
2024 · €55k
2018: €31k
2019: €33k
2020: €32k
2021: €33k
2022: €38k
2023: €41k
2024: €55k
2018 → 2025
Total assets
€75k▼ 2.5%
2024 · €77k
2018: €49k
2019: €47k
2020: €49k
2021: €52k
2022: €57k
2023: €59k
2024: €77k
2018 → 2025
Net result
€9k▼ 33.8%
2024 · €14k
2018: €1k
2019: €2k
2020: €-1k
2021: €1k
2022: €5k
2023: €3k
2024: €14k
2018 → 2025
Working capital
€63k▲ 15.1%
2024 · €55k
2018: €20k
2019: €23k
2020: €23k
2021: €30k
2022: €37k
2023: €41k
2024: €55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€38k▲ 14.5%€41k▲ 8.4%€55k▲ 33.5%€64k▲ 16.6%
Operating result€523-€5k▲ 916%€7k▲ 30.4%€18k▲ 166%€11k▼ 39.9%
Net result€1k-€5k▲ 306%€3k▼ 33.8%€14k▲ 331%€9k▼ 33.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75k
Fixed assets
€828
Current assets
€74k
Equity and liabilities €75k
Equity
€64k▲ 16.6%
Debt
€11k▼ 49.7%
The debt ratio falls from 28.7% to 14.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€11k▼
2024 · €18k
Cash flow
€9k▼
2024 · €14k
Solvency
85.2%▲
2024 · 71.3%
Current ratio
6.68▲
2024 · 3.48
Quick ratio
6.68▲
2024 · 3.35
Debt / equity
0.17▼
2024 · 0.40
ROE
14.2%▼
2024 · 25.1%
ROA
12.1%▼
2024 · 17.9%
Interest coverage
10.21▼
2024 · 12.13
Debt
€11k▼
2024 · €22k
Debt ≤ 1 year
€11k▼
2024 · €22k
Income taxes
€4k▼
2024 · €6k
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€77k€75k▼
Fixed assets21/28-€828
Tangible fixed assets22/27-€828
Furniture and vehicles24-€828
Current assets29/58€77k€74k▼
Stocks and contracts in progress3€3k-
Stocks30/36€3k-
Amounts receivable within one year40/41€73k€70k▼
Trade receivables40€21k€4k▼
Other amounts receivable41€52k€67k▲
Cash at bank and in hand54/58€274€3k▲
Deferred charges and accrued income490/1€775€682▼
Equity and liabilities
Total equity and liabilities10/49€77k€75k▼
Equity10/15€55k€64k▲
Contributions10/11€12k€12k=
Reserves13€34k€43k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€32k€41k▲
Profit (loss) carried forward14€9k€9k=
Amounts payable17/49€22k€11k▼
Amounts payable within one year42/48€22k€11k▼
Trade debts44€13k€6k▼
Suppliers440/4€13k€6k▼
Advances received on contracts in progress46€3k-
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€6k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€72€89▲
Other operating charges640/8€871€3k▲
Gross operating margin9900€19k€14k▼
Operating profit (loss)9901€18k€11k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€19k€13k▼
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€14k€9k▼
Profit (loss) for the period to be appropriated9905€14k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€18k▼
Profit (loss) brought forward from the previous period14P€9k€9k=
Transfer to equity691/2€14k€9k▼
To other reserves6921€14k€9k▼
The notes to these accounts (8 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €14k ▲331%
Operating result €18k, net result €14k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Weakest financial yearnet €-1k ▼170%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
23-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 115 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Zandhoven · 1 establishment unit since 2012
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.
Dorp 62242 ZandhovenGround area
1,062 m²
Building footprint
237 m²
Volume, LiDAR
462 m³
2 parcels, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
K.O. Construct
since 20122.213.491.795
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11033B0451/00Z002 | Flanders | 686 m² | 1 · 90 m² | 7.2 m · 2 fl. |
| 11033B0575/00C000 | Flanders | 376 m² | 1 · 146 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.
Similar companies · same sector, comparable size
B RENOV
BE 0642.767.035
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UNIK GROUP
BE 0775.848.560
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R & P GROUP
BE 0663.863.347
Oostende · Eq €64k
TOUS TRAVAUX IMMOBILIER BELGIQUE
BE 0654.776.526
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T.P. Construct
BE 0731.619.332
Zulte · Eq €64k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,859. 13,047 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-09-2012
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43110Demolition
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.