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KRIBO CONSTRUCT

Active
Private limited companyfounded 2021active for 5 yearsVlimmersendijk 52, 2390 Malle, BelgiumKBO/BCE: BE 0762.509.971
Summary

The computed 12-month bankruptcy probability of KRIBO CONSTRUCT is 4.3% (elevated). The 2025 annual accounts show equity of €103,911 and a net result of €89,641. Equity is growing by about 98% per year across the filed financial years. Its solvency ranks better than 66% of 9,117 sector peers (NACE 41, financial year 2025). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
€178,109total assets 2025
Staff
1 FTE
Equity
€103,911
Profit
€89,641
Turnover not published (micro format)
Financial health
50 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
4.3%
Structure
Accounts filed 35 days late0 of 2 deeds read
Why 50raises riskSector: Construction of residential and non-residential buildings (NACE 41)Latest accounts 35 days late; 2 of the last 3 lateSize: total assets €178,109Founded in 2021Show the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 71% of its sector peers (NACE 41, micro)
Financial strength · tick = 2024
Strong
Solvency 83+41
equity 58.3% of total assets
Liquidity 33+18
short-term debt 39.1% · cash 0.6%
Profitability 100+47
return on assets 50.3%
Bankruptcy probability, 12 months
4.3% Elevated
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,406 companies, NACE 41, micro)
Last 24 months 11-2024: 4.7% 12-2024: 4.7%● unchanged vs 11-2024 01-2025: 4.6%▼ -0.1 percentage points vs 12-2024 02-2025: 3.6%▼ -1.0 percentage point vs 01-2025lowest value 03-2025: 3.6%● unchanged vs 02-2025lowest value 04-2025: 3.8%▲ +0.2 percentage points vs 03-2025 05-2025: 4.1%▲ +0.3 percentage points vs 04-2025 06-2025: 4.1%● unchanged vs 05-2025 07-2025: 4.6%▲ +0.5 percentage points vs 06-2025 08-2025: 5.1%▲ +0.5 percentage points vs 07-2025 09-2025: 7.7%▲ +2.6 percentage points vs 08-2025 10-2025: 7.7%● unchanged vs 09-2025 11-2025: 7.7%● unchanged vs 10-2025 12-2025: 7.7%● unchanged vs 11-2025 01-2026: 7.7%● unchanged vs 12-2025highest value 02-2026: 7.5%▼ -0.2 percentage points vs 01-2026 03-2026: 7.4%▼ -0.1 percentage points vs 02-2026 04-2026: 7.3%▼ -0.1 percentage points vs 03-2026 05-2026: 6.9%▼ -0.4 percentage points vs 04-2026 06-2026: 6.9%● unchanged vs 05-2026 07-2026: 6.8%▼ -0.1 percentage points vs 06-2026 08-2026: 7.5%▲ +0.7 percentage points vs 07-2026 09-2026: 7.4%▼ -0.1 percentage points vs 08-2026 10-2026: 4.3%▼ -3.1 percentage points vs 09-2026
Credit of up to €5,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity ample (current ratio 2.26, compared with 0.97 in 2024, above the usual 1.5; short-term debt: 39.1% and cash: 0.6% of total assets), and 41.7% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 67% on solvency, 28% on liquidity, 91% on profitability and 97% on growth.

The bankruptcy probability was computed on 15-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.
raises riskneutral
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Latest accounts 35 days late; 2 of the last 3 late
NBB · filings
raises risk · Size: total assets €178,109
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Founded in 2021
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-09-2026, 35 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filings
Deviation from the deadline
2025
35 days late
2024
31 days late
2023
20 days early
2022
3 days early
2021
21 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 13 days after the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
16-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Highest result from 2021 to 2025net €89,641 ▲19,219%
  3. Liquidity more than doubledcurrent ratio 2.26

Financials · financial year 2025, micro format

2025 annual accounts filed late (35 days) Filed on 4 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00500903.

Equity
€103,911▲ 328%
2024 · €24,270
Total assets
€178,109▲ 23.3%
2024 · €144,425
Net result
€89,641▲ 19,219%
2024 · €464
Working capital
€87,782
2024 · -€3,583
Trend over the years

2021 to 2025, 5 financial years

The operating result recovers in 2025; 2025 is 1,766% above 2024 and is the highest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€129,454 2025 Net result€89,641 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 41, Construction of residential and non-residential buildings: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line20212022202320242025
Operating result€4,400-€3,492▼ 20.6%€23,905▲ 585%€6,936▼ 71.0%€129,454▲ 1,766%
Net result€3,757within the sector's middle half-€453within the sector's middle half▼ 87.9%€17,096within the sector's middle half▲ 3,674%€464within the sector's middle half▼ 97.3%€89,641above the sector's middle half▲ 19,219%
Equity€6,257below the sector's middle half-€6,710below the sector's middle half▲ 7.2%€23,806within the sector's middle half▲ 255%€24,270within the sector's middle half▲ 1.9%€103,911within the sector's middle half▲ 328%
Total assets€141,433within the sector's middle half-€111,282within the sector's middle half▼ 21.3%€127,901within the sector's middle half▲ 14.9%€144,425within the sector's middle half▲ 12.9%€178,109within the sector's middle half▲ 23.3%
Debt€135,176-€104,572▼ 22.6%€104,095▼ 0.5%€120,155▲ 15.4%€74,198▼ 38.2%
Working capital-€12,877below the sector's middle half--€24,063below the sector's middle half▼ 86.9%-€23,002below the sector's middle half▲ 4.4%-€3,583below the sector's middle half▲ 84.4%€87,782above the sector's middle half
Solvency4.4%below the sector's middle half-6.0%below the sector's middle half▲ 1.6pp18.6%within the sector's middle half▲ 12.6pp16.8%below the sector's middle half▼ 1.8pp58.3%within the sector's middle half▲ 41.5pp
Current ratio0.90below the sector's middle half-0.77below the sector's middle half▼ 0.130.78below the sector's middle half▲ 0.010.97below the sector's middle half▲ 0.192.26within the sector's middle half▲ 1.29
Return on assets (ROA)2.7%within the sector's middle half-0.4%within the sector's middle half▼ 2.2pp13.4%within the sector's middle half▲ 13.0pp0.3%within the sector's middle half▼ 13.0pp50.3%above the sector's middle half▲ 50.0pp
Staff (FTE)1
above within below the middle half of NACE 41, Construction of residential and non-residential buildings: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178,109
Fixed assets €20,656 ▼ 41.6%
Current assets €157,453 ▲ 44.4%
Equity and liabilities €178,109
Equity €103,911 ▲ 328%
Debt €74,198 ▼ 38.2%
Debt's share of the balance-sheet total falls from 83.2% to 41.7%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€145,372▲
2024 · €23,418
Cash flow
€105,559▲
2024 · €16,946
Debt to equity
0.71▼
2024 · 4.95
ROE
86.3%▲
2024 · 1.9%
Interest coverage
16.27▲
2024 · 4.11
Debt ≤ 1 year
€69,671▼
2024 · €112,620
Debt > 1 year
€4,527▼
2024 · €7,535
Income taxes
€31,160▲
2024 · €2,940
Staff costs
€1,963
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 94.9% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
3.4% stopped otherwise
94.9% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 4.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,474 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet Code20242025
Assets
Total assets20/58€144,425€178,109▲
Fixed assets21/28€35,388€20,656▼
Tangible fixed assets22/27€32,838€18,106▼
Plant, machinery and equipment23€30,265€17,746▼
Furniture and vehicles24€2,573€360▼
Financial fixed assets28€2,550€2,550=
Current assets29/58€109,037€157,453▲
Amounts receivable within one year40/41€108,769€156,164▲
Trade receivables40€32,354€45,812▲
Other amounts receivable41€76,415€110,352▲
Cash at bank and in hand54/58-€1,155
Deferred charges and accrued income490/1€268€134▼
Equity and liabilities
Total equity and liabilities10/49€144,425€178,109▲
Equity10/15€24,270€103,911▲
Contributions10/11€2,500€2,500=
Profit (loss) carried forward14€21,770€101,411▲
Amounts payable17/49€120,155€74,198▼
Amounts payable after more than one year17€7,535€4,527▼
Financial debts170/4€7,535€4,527▼
Amounts payable within one year42/48€112,620€69,671▼
Current portion of amounts payable after more than one year42€2,861€3,008▲
Financial debts43€14,097€4,271▼
Credit institutions430/8€14,097€4,271▼
Trade debts44€86,808€43,451▼
Suppliers440/4€86,808€43,451▼
Taxes, remuneration and social security45€8,854€18,941▲
Taxes450/3€8,854€18,291▲
Remuneration and social security454/9-€650
Income statement Code20242025
Remuneration, social security and pensions62-€1,963
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16,482€15,918▼
Other operating charges640/8€582€1,347▲
Gross operating margin9900€24,000€148,682▲
Operating profit (loss)9901€6,936€129,454▲
Financial income75/76B€2,170€281▼
Recurring financial income75€2,170€281▼
Financial charges65/66B€5,702€8,934▲
Recurring financial charges65€5,702€8,934▲
Profit (loss) for the period before taxes9903€3,404€120,801▲
Income taxes67/77€2,940€31,160▲
Profit (loss) for the period9904€464€89,641▲
Profit (loss) for the period to be appropriated9905€464€89,641▲
Appropriation of the result
Profit (loss) to be appropriated9906€21,770€111,411▲
Profit (loss) brought forward from the previous period14P€21,306€21,770▲
Profit to be distributed694/7-€10,000
Directors or managers695-€10,000

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Remuneration, social security and pensions62----€1,963-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,709€671€8,443€16,482€15,918▼ 3.4%
Other operating charges640/8€250€4,315€569€582€1,347▲ 131%
Gross operating margin9900€6,359€8,478€32,917€24,000€148,682▲ 520%
Operating profit (loss)9901€4,400€3,492€23,905€6,936€129,454▲ 1,766%
Financial income75/76B€1,719€517€2,286€2,170€281▼ 87.1%
Recurring financial income75€1,719€517€2,286€2,170€281▼ 87.1%
Financial charges65/66B€1,911€3,556€5,128€5,702€8,934▲ 56.7%
Recurring financial charges65€1,911€3,556€5,128€5,702€8,934▲ 56.7%
Profit (loss) for the period before taxes9903€4,208€453€21,063€3,404€120,801▲ 3,449%
Income taxes67/77€451-€3,967€2,940€31,160▲ 960%
Profit (loss) for the period9904€3,757€453€17,096€464€89,641▲ 19,219%
Profit (loss) for the period to be appropriated9905€3,757€453€17,096€464€89,641▲ 19,219%
Line20212022202320242025Change
Assets
Total assets20/58€141,433€111,282€127,901€144,425€178,109▲ 23.3%
Fixed assets21/28€19,134€30,773€46,808€35,388€20,656▼ 41.6%
Tangible fixed assets22/27€14,694€26,333€44,258€32,838€18,106▼ 44.9%
Plant, machinery and equipment23€10,301€22,278€38,352€30,265€17,746▼ 41.4%
Furniture and vehicles24€4,393€4,055€5,906€2,573€360▼ 86.0%
Financial fixed assets28€4,440€4,440€2,550€2,550€2,550=
Current assets29/58€122,299€80,509€81,093€109,037€157,453▲ 44.4%
Stocks and contracts in progress3€19,309€22,863----
Contracts in progress37€19,309€22,863----
Amounts receivable within one year40/41€92,841€56,339€78,859€108,769€156,164▲ 43.6%
Trade receivables40€92,841€38,157€41,694€32,354€45,812▲ 41.6%
Other amounts receivable41-€18,182€37,165€76,415€110,352▲ 44.4%
Cash at bank and in hand54/58€8,809€1,146€1,695-€1,155-
Deferred charges and accrued income490/1€1,340€161€539€268€134▼ 50.0%
Equity and liabilities
Total equity and liabilities10/49€141,433€111,282€127,901€144,425€178,109▲ 23.3%
Equity10/15€6,257€6,710€23,806€24,270€103,911▲ 328%
Contributions10/11€2,500€2,500€2,500€2,500€2,500=
Profit (loss) carried forward14€3,757€4,210€21,306€21,770€101,411▲ 366%
Amounts payable17/49€135,176€104,572€104,095€120,155€74,198▼ 38.2%
Amounts payable after more than one year17---€7,535€4,527▼ 39.9%
Financial debts170/4---€7,535€4,527▼ 39.9%
Amounts payable within one year42/48€135,176€104,572€104,095€112,620€69,671▼ 38.1%
Current portion of amounts payable after more than one year42---€2,861€3,008▲ 5.1%
Financial debts43--€4,292€14,097€4,271▼ 69.7%
Credit institutions430/8--€4,292€14,097€4,271▼ 69.7%
Trade debts44€114,463€91,690€75,889€86,808€43,451▼ 49.9%
Suppliers440/4€114,463€91,690€75,889€86,808€43,451▼ 49.9%
Taxes, remuneration and social security45€3,943€12,882€23,914€8,854€18,941▲ 114%
Taxes450/3€3,943€12,882€23,914€8,854€18,291▲ 107%
Remuneration and social security454/9----€650-
Other amounts payable47/48€16,770-----
Line20212022202320242025Change
Profit (loss) for the period9904€3,757€453€17,096€464€89,641▲ 19,219%
+ Depreciation and write-downs630€1,709€671€8,443€16,482€15,918▼ 3.4%
Operating cash flow (approximation)€5,466€1,124€25,539€16,946€105,559▲ 523%
Investment in fixed assets (approximation)--€12,310-€24,478-€5,062-€1,186▲ 76.6%
Change in cash--€7,663€549---

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (5)
Financial year Type Filed Reference
31-12-2025 micro format 04-09-2026 2026-00500903
31-12-2024 micro format 31-08-2025 2025-00453940
31-12-2023 micro format 11-07-2024 2024-00237630
31-12-2022 micro format 28-07-2023 2023-00285609
31-12-2021 micro format 21-08-2022 2022-20308161

Similar companies · same sector, comparable size

Of the 29,202 active companies whose main activity is general construction of residential buildings (NACE 41001), figures are known for 16,153. 13,194 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 0 of 2 Gazette acts processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

On 26 January 2021, KRIBO CONSTRUCT was incorporated as a private limited company.1 Total assets went from €141,433 in 2021 to €178,109 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2021 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
04-09
NBB filing Annual accounts filed
financial year 2025 · micro format · 35 days late
2025
31-12
Financial Highest result from 2021 to 2025net €89,641 ▲19,219%
Operating result €129,454, net result €89,641, both a record.
31-12
Financial Liquidity more than doubledcurrent ratio 2.26
Current ratio from 0.97 to 2.26; short-term debt falls from €112,620 to €69,671.
31-12
Financial Equity above €100,000equity €103,911 ▲328%
A profit in every financial year since 2021 builds equity to €103,911.
31-08
NBB filing Annual accounts filed
financial year 2024 · micro format · 31 days late
2024
11-07
NBB filing Annual accounts filed
financial year 2023 · micro format
2023
28-07
NBB filing Annual accounts filed
financial year 2022 · micro format
2022
31-12
Financial Weakest financial yearnet €453 ▼87.9%
Net result drops to €453, the lowest in the series; recovery starts the following year.
21-08
NBB filing Annual accounts filed
financial year 2021 · micro format · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
0 of 2 deeds read
About the unread acts

We know of 2 Belgian Official Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Register details

Identification
Legal formPrivate limited company
Founded26-01-2021
Financial year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43240Other construction installation
43990Other specialised construction activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0762509971
Also 9925:BE0762509971
Registered 11-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 16 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 0762.509.971

Recognitions · licences · registrations

Dual-learning approval

4 live approvals
Medewerker ruwbouw (vwo)
approved · 2025 to 2030
Medewerker ruwbouw duaal (so)
approved · 2025 to 2030
Metselaar (vwo)
approved · 2025 to 2030
Ruwbouw duaal (so)
approved · 2025 to 2030

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Malle · 1 establishment unit since 2021
registered office establishment The establishment unit on the map
Ground area
2,597 m²
Building footprint
178 m²
Building volume
824 m³
Parcel 11032C0087/00X002, Flanders · tallest building 6.7 m. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
KRIBO CONSTRUCT
Vlimmersendijk 52, 2390 MalleGeneral construction of residential buildings
since 2021unit no. 2.312.700.724
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
11032C0087/00X002 Flanders 2,597 m² 1 · 178 m² 6.7 m · 2
How the parcels are linked
Good to know
The parcel matches the address exactly.