Konstruktiv
ActiveKonstruktiv has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €14k. Equity is shrinking by ~52.5% per year across the filed fiscal years. Its solvency ranks better than 14% of 7697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency27▼-25
Growth32=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7697 sector peers (2025).
NBB · sector comparisonPosition among 7697 sector peers
Solvency
better than 14%
← weakest
strongest →
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 02-06-2026, 59 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
59 d early
2024
77 d early
2023
111 d early
2022
24 d early
2021
29 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 93.9%
2024 · €16k
2021: €32k
2022: €57k
2023: €91k
2024: €16k
2021 → 2025
Total assets
€48k▼ 19.7%
2024 · €59k
2021: €53k
2022: €79k
2023: €116k
2024: €59k
2021 → 2025
Net result
€14k▼ 12.9%
2024 · €16k
2021: €31k
2022: €26k
2023: €34k
2024: €16k
2021 → 2025
Working capital
€-5k
2024 · €8k
2021: €32k
2022: €54k
2023: €87k
2024: €8k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€57k▲ 79.1%€91k▲ 60.1%€16k▼ 82.1%€1k▼ 93.9%
Operating result€41k-€34k▼ 15.9%€44k▲ 28.6%€22k▼ 50.1%€19k▼ 11.8%
Net result€31k-€26k▼ 17.8%€34k▲ 31.8%€16k▼ 52.6%€14k▼ 12.9%
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 12% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€6k▼ 32.9%
Current assets
€42k▼ 17.5%
Equity and liabilities €48k
Equity
€1k▼ 93.9%
Debt
€47k▲ 8.3%
The debt ratio rises from 72.6% to 97.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€22k▼
2024 · €24k
Cash flow
€17k▼
2024 · €19k
Solvency
2.1%▼
2024 · 27.4%
Current ratio
0.90▼
2024 · 1.18
Quick ratio
0.90▼
2024 · 1.18
Debt / equity
46.63▲
2024 · 2.65
ROA
29.5%▲
2024 · 27.2%
Interest coverage
55.89▲
2024 · 46.37
Debt
€47k▲
2024 · €43k
Debt ≤ 1 year
€46k▲
2024 · €43k
Income taxes
€5k▼
2024 · €5k
A ratio outside any meaningful range has been withheld (balance sheet total €48k, equity €1k).
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€59k€48k▼
Fixed assets21/28€9k€6k▼
Tangible fixed assets22/27€9k€6k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€4k€3k▼
Current assets29/58€51k€42k▼
Amounts receivable within one year40/41€16k€12k▼
Trade receivables40€9k€9k=
Other amounts receivable41€7k€3k▼
Cash at bank and in hand54/58€34k€29k▼
Deferred charges and accrued income490/1€0€1k▲
Equity and liabilities
Total equity and liabilities10/49€59k€48k▼
Equity10/15€16k€1k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€15k€0▼
Amounts payable17/49€43k€47k▲
Amounts payable within one year42/48€43k€46k▲
Trade debts44€207€706▲
Suppliers440/4€207€706▲
Taxes, remuneration and social security45€13k€5k▼
Taxes450/3€11k€5k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€30k€41k▲
Accrued charges and deferred income492/3€200€200=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€26k€24k▼
Operating profit (loss)9901€22k€19k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€526€397▼
Recurring financial charges65€526€397▼
Profit (loss) for the period before taxes9903€21k€19k▼
Income taxes67/77€5k€5k▼
Profit (loss) for the period9904€16k€14k▼
Profit (loss) for the period to be appropriated9905€16k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€106k€29k▼
Profit (loss) brought forward from the previous period14P€90k€15k▼
Profit to be distributed694/7€91k€29k▼
Return on contributions (dividend)694€91k€29k▼
The notes to these accounts (5 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €14k ▼12.9%
Net result drops to €14k, the lowest in the series.
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €34k ▲31.8%
Operating result €44k, net result €34k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gent · 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.
Koutergoedstraat 359041 GentGround area
496 m²
Building footprint
103 m²
Parcel 44051B1128/00B002, Flanders. Linked by address, not a title deed.
1 establishment unit
Konstruktiv
since 20212.312.189.790
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44051B1128/00B002 | Flanders | 496 m² | 1 · 103 m² | 0.0 m |
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.
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LJ CAPITAL
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DEWOLF CONSULTANCY
BE 0754.390.081
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Canta
BE 0755.644.054
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A'LEX
BE 0745.994.930
Dentergem · Eq €1k
Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 1,010 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2021
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.