KAPITAL CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of KAPITAL CONSTRUCT is 2.1% (moderate). The 2025 annual accounts show equity of €27k and a net result of €1k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 27676 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
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-1
Solvency100▲+23
Growth52=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 4.38 against 1.62 in 2024; short-term debt: 17.9% and cash: 24% of total assets), and 17.9% 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 · 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 →
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
82.1%
Return on assets
3.1%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
4 d early
2024
8 d late
2023
12 d late
2022
14 d late
2021
12 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 3.9%
2024 · €26k
2021: €16k
2022: €17k
2023: €24k
2024: €26k
2021 → 2025
Total assets
€33k▼ 34.3%
2024 · €51k
2021: €125k
2022: €54k
2023: €113k
2024: €51k
2021 → 2025
Net result
€1k▼ 50.4%
2024 · €2k
2021: €13k
2022: €972
2023: €8k
2024: €2k
2021 → 2025
Working capital
€20k▲ 33.1%
2024 · €15k
2021: €16k
2022: €15k
2023: €24k
2024: €15k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€17k▲ 6.2%€24k▲ 47.2%€26k▲ 8.5%€27k▲ 3.9%
Operating result€17k-€2k▼ 88.7%€11k▲ 490%€3k▼ 69.8%€1k▼ 60.6%
Net result€13k-€972▼ 92.6%€8k▲ 703%€2k▼ 73.6%€1k▼ 50.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 61% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€7k▼ 35.6%
Current assets
€26k▼ 34.0%
Equity and liabilities €33k
Equity
€27k▲ 3.9%
Debt
€6k▼ 75.6%
The debt ratio falls from 48.1% to 17.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▲
2024 · €4k
Cash flow
€5k▲
2024 · €3k
Solvency
82.1%▲
2024 · 51.9%
Current ratio
4.38▲
2024 · 1.62
Quick ratio
4.38▲
2024 · 1.62
Debt / equity
0.22▼
2024 · 0.93
ROE
3.7%▼
2024 · 7.8%
ROA
3.1%▼
2024 · 4.1%
Interest coverage
440.45▲
2024 · 7.15
Debt
€6k▼
2024 · €24k
Debt ≤ 1 year
€6k▼
2024 · €24k
Income taxes
€356▼
2024 · €763
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€51k€33k▼
Fixed assets21/28€11k€7k▼
Tangible fixed assets22/27€11k€7k▼
Furniture and vehicles24€11k€7k▼
Current assets29/58€40k€26k▼
Amounts receivable within one year40/41€34k€18k▼
Trade receivables40€26k€13k▼
Other amounts receivable41€8k€5k▼
Cash at bank and in hand54/58€6k€8k▲
Deferred charges and accrued income490/1-€75
Equity and liabilities
Total equity and liabilities10/49€51k€33k▼
Equity10/15€26k€27k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€24k€25k▲
Amounts payable17/49€24k€6k▼
Amounts payable within one year42/48€24k€6k▼
Trade debts44€4k-
Suppliers440/4€4k-
Taxes, remuneration and social security45€20k€6k▼
Taxes450/3€3k€3k▲
Remuneration and social security454/9€17k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€942€4k▲
Other operating charges640/8€680€288▼
Gross operating margin9900€5k€6k▲
Operating profit (loss)9901€3k€1k▼
Financial income75/76B€7€40▲
Recurring financial income75€7€40▲
Financial charges65/66B€611€12▼
Recurring financial charges65€611€12▼
Profit (loss) for the period before taxes9903€3k€1k▼
Income taxes67/77€763€356▼
Profit (loss) for the period9904€2k€1k▼
Profit (loss) for the period to be appropriated9905€2k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€25k▲
Profit (loss) brought forward from the previous period14P€22k€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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 4.38
Current ratio from 1.62 to 4.38; short-term debt falls from €24k to €6k.
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 14 days late
2022
31-12
Financial
Weakest financial yearnet €972 ▼92.6%
Net result drops to €972, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 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, Dilbeek · 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.
Lenniksebaan 491701 DilbeekGround area
615 m²
Building footprint
252 m²
Volume, LiDAR
1,692 m³
2 parcels, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KAPITAL CONSTRUCT
since 20212.319.807.854
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23037C0130/00X000 | Flanders | 502 m² | 1 · 158 m² | 10.6 m · 2 fl. |
| 23078A0177/00T000 | Flanders | 113 m² | 1 · 94 m² | 11.6 m · 2 fl. |
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
BIL TOP RENOV
BE 0682.619.286
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BE 0717.822.269
Sint-Jans-Molenbeek · Eq €27k
MARIO SAM
BE 0537.242.319
Jette · Eq €27k
Luc De Bosschere
BE 0652.641.833
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MARCLABEL
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Grimbergen · Eq €27k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,590 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2021
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 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:kapital.construct012@gmail.com