Financials
- Fiscal year
- 2025
- Total assets
- €1.8m
- Profit
- €105,127
- Solvency
- 24.0%
Total assets▲ 56.9%
Net result
20192025
KARA CONSTRUCTION
ActiveSummary
The computed 12-month bankruptcy probability of KARA CONSTRUCTION is 1.7% (moderate). The 2025 annual accounts show equity of €437,066 and a net result of €105,127. Equity is growing by ~35.5% per year across the filed fiscal years. Its solvency ranks better than 25% of 8593 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Site preparation
NACE 43120General construction of residential buildings NACE 41001General construction of buildings NACE 41201
#9 company by total assets in Grâce-Hollogne, Construction sector1 site
How big
€1.8mtotal assets 2025
- Staff
- 2 FTE
- Equity
- €437,066
- Profit
- €105,127
Who decides
Accounts filed 60 d late0 of 8 deeds read
Why 55- Latest accounts 60 days late; 3 of the last 3 late- Liquidity: current ratio 1.66, cash €13,736+ Size: 2 FTE, total assets €1.8m+ Figures for FY 2025 (filed 29-09-2026)Show the evidence
Checked score
Score 2025
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 42% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
49-5
equity 24.0% of total assets
Liquidity
26-8
short-term debt 50.4% · cash 0.8%
Profitability
76-7
return on assets 5.8%
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
- Latest accounts 60 days late; 3 of the last 3 late raises the probability
- Liquidity: current ratio 1.66, cash €13,736 raises the probability
- Size: 2 FTE, total assets €1.8m lowers the probability for this profile
- Figures for FY 2025 (filed 29-09-2026) lowers the probability
Credit up to €24,000 at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.72 in 2024; short-term debt: 50.4% and cash: 0.8% of total assets), but 76% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 25%, liquidity 15%, profitability 51%, growth against the median 76%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 8593 sector peers (2025).
NBB · sector comparisonPosition among 8593 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
60 d late
2024
102 d late
2023
36 d late
2022
31 d late
2021
33 d early
2020
53 d early
2019
73 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 31 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 6 September (4 of the last 5 filed years within 65 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · full…
- Highest result since 2019net €136,119 ▲29.3%
Key points
By topic
Timeline
- Events
- 11
- Since
- 2020
- Next accounts
- by 31-07-2027
- 29-09-2026Annual accounts filed
- 10-11-2025Annual accounts filed
- 31-12-2024Highest result since 2019
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Site preparationNACE 43120
- Founded
- 26-04-2018
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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