KONSTRUCTIEF
ActiveKONSTRUCTIEF has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €598k and a net result of €3k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 53% of 36378 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
88
/ 100
Excellent▼ -6 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability23▼-27
Solvency95▼-2
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 2.31 against 2.56 in 2023), but 50.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 31-12-2024 was due by 31-07-2025 and was filed on 16-07-2025, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
15 d early
2023
34 d early
2022
32 d early
2021
24 d late
2020
9 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€1.18M
EBIT margin
1.3%
Net result
€3k▼ 95.5%
2023 · €59k
2018: €16k
2019: €28k
2020: €17k
2021: €43k
2022: €22k
2023: €59k
2018 → 2024
Working capital
€326k▲ 1.3%
2023 · €322k
2018: €722k
2019: €511k
2020: €302k
2021: €295k
2022: €290k
2023: €322k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€1.18M
Equity€470k-€514k▲ 9.2%€536k▲ 4.4%€595k▲ 11.0%€598k▲ 0.4%
Operating result€38k-€76k▲ 99.6%€43k▼ 42.8%€92k▲ 111%€15k▼ 83.7%
Net result€17k-€43k▲ 155%€22k▼ 48.0%€59k▲ 163%€3k▼ 95.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 84% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.21M
Fixed assets
€638k▲ 12.3%
Current assets
€576k▲ 8.9%
Equity and liabilities €1.21M
Equity
€598k▲ 0.4%
Provisions
€23k▼ 4.7%
Debt
€592k▲ 24.2%
The debt ratio rises from 43.5% to 48.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€97k▼
2023 · €175k
Cash flow
€85k▼
2023 · €142k
Solvency
49.3%▼
2023 · 54.3%
Current ratio
2.31▼
2023 · 2.56
Quick ratio
2.05▼
2023 · 2.30
Debt / equity
0.99▲
2023 · 0.80
ROE
0.4%▼
2023 · 9.9%
ROA
0.2%▼
2023 · 5.4%
Interest coverage
9.24▼
2023 · 15.92
Debt
€592k▲
2023 · €477k
Debt ≤ 1 year
€249k▲
2023 · €206k
Debt > 1 year
€336k▲
2023 · €264k
Income taxes
€3k▼
2023 · €23k
Staff costs
€77k▼
2023 · €412k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.10M€1.21M▲
Fixed assets21/28€568k€638k▲
Tangible fixed assets22/27€566k€636k▲
Land and buildings22€450k€414k▼
Plant, machinery and equipment23€43k€34k▼
Furniture and vehicles24€28k€158k▲
Leasing and similar rights25€45k€30k▼
Financial fixed assets28€2k€2k=
Current assets29/58€528k€576k▲
Amounts receivable after more than one year29€165k€165k=
Trade receivables290€165k€165k=
Stocks and contracts in progress3€53k€64k▲
Stocks30/36€51k€54k▲
Contracts in progress37€3k€10k▲
Amounts receivable within one year40/41€177k€144k▼
Trade receivables40€177k€139k▼
Other amounts receivable41€4€5k▲
Cash at bank and in hand54/58€126k€196k▲
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€1.10M€1.21M▲
Equity10/15€595k€598k▲
Contributions10/11€19k€19k=
Reserves13€577k€579k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€47k€44k▼
Distributable reserves133€528k€533k▲
Provisions and deferred taxes16€24k€23k▼
Deferred taxes168€24k€23k▼
Amounts payable17/49€477k€592k▲
Amounts payable after more than one year17€264k€336k▲
Financial debts170/4€264k€196k▼
Other amounts payable178/9-€140k
Amounts payable within one year42/48€206k€249k▲
Current portion of amounts payable after more than one year42€71k€50k▼
Trade debts44€72k€192k▲
Suppliers440/4€72k€192k▲
Taxes, remuneration and social security45€63k€7k▼
Taxes450/3€28k€6k▼
Remuneration and social security454/9€35k€2k▼
Other amounts payable47/48€422-
Accrued charges and deferred income492/3€7k€7k=
Income statement
Code20232024
Turnover70-€1.18M
Remuneration, social security and pensions62€412k€77k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€83k€82k▼
Other operating charges640/8€7k€7k▼
Gross operating margin9900€593k€181k▼
Operating profit (loss)9901€92k€15k▼
Financial income75/76B€174€280▲
Recurring financial income75€174€280▲
Financial charges65/66B€11k€11k▼
Recurring financial charges65€11k€11k▼
Profit (loss) for the period before taxes9903€81k€5k▼
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€23k€3k▼
Profit (loss) for the period9904€59k€3k▼
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€61k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€5k▼
Transfer to equity691/2€61k€5k▼
To other reserves6921€61k€5k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €3k ▼95.5%
Net result drops to €3k, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €59k ▲163%
Operating result €92k, net result €59k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
31-12
Financial
Equity above €500kEq €514k ▲9.2%
4 profitable years in a row build equity to €514k.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zonhoven · 1 establishment unit since 2003
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.
Schavert 183520 ZonhovenGround area
2,991 m²
Building footprint
40 m²
Volume, LiDAR
236 m³
Parcel 71066B0952/00H044, Flanders · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KONSTRUKTIEF
since 20032.115.474.285
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71066B0952/00H044 | Flanders | 2,991 m² | 1 · 40 m² | 6.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 454 EUR awarded · 454 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 454 EUR | 454 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
T&T COOLING
BE 0873.946.046
Dendermonde · Eq €598k
Isochape
BE 0685.523.942
Turnhout · Eq €601k
OXIRA
BE 0889.325.395
Ottignies-Louvain-la-Neuve · Eq €594k
CHASSIS ERNST
BE 0423.966.808
Blégny · Eq €592k
Mordant Menuiserie
BE 0438.101.389
Charleroi · Eq €605k
Of 4,243 companies in sector 43230 we hold annual accounts for 1,230. 674 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2002
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
68121Development of residential building projects
43211General electrical installation work
45310
46130Agents in the wholesale of timber and building materials
70111
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.