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LAC CONSTRUCT

Active
Private limited companyfounded 2020active for 5 yearsHumaniteitslaan 65, 1601 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0759.516.235
Summary

The computed 12-month bankruptcy probability of LAC CONSTRUCT is 1.7% (moderate). The 2025 annual accounts show equity of €146,269 and a net result of -€71,418. Equity is growing by about 26% per year across the filed financial years. Its solvency ranks better than 53% of 2,737 sector peers (NACE 41, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
€355,375total assets 2025
Staff
4.8 FTE
Equity
€146,269
Loss
-€71,418
Turnover not published (abbreviated or micro format)
Financial health
54 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.7%
Structure
Accounts on time0 of 2 deeds read
Why 54raises riskSector: Construction of residential and non-residential buildings (NACE 41)Loss of €71,418 (financial year 2025)Founded in 2020lowers riskLiquidity: current ratio 1.62, cash €137,036Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 35% of its sector peers (NACE 41, micro)
Financial strength · tick = 2024
Average
Solvency 66+16
equity 41.2% of total assets
Liquidity 68+55
short-term debt 58.3% · cash 38.6%
Profitability 0-71
return on assets -20.1%
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).

Sector median 1.5% (13,377 companies, NACE 41, micro)
Last 24 months 11-2024: 1.5% 12-2024: 1.5%● unchanged vs 11-2024lowest value 01-2025: 1.7%▲ +0.2 percentage points vs 12-2024 02-2025: 1.7%● unchanged vs 01-2025 03-2025: 2.2%▲ +0.5 percentage points vs 02-2025 04-2025: 2.6%▲ +0.4 percentage points vs 03-2025 05-2025: 3.1%▲ +0.5 percentage points vs 04-2025 06-2025: 3.1%● unchanged vs 05-2025 07-2025: 3.1%● unchanged vs 06-2025 08-2025: 3.1%● unchanged vs 07-2025 09-2025: 3.1%● unchanged vs 08-2025 10-2025: 3.1%● unchanged vs 09-2025 11-2025: 3.1%● unchanged vs 10-2025 12-2025: 3.1%● unchanged vs 11-2025 01-2026: 3.4%▲ +0.3 percentage points vs 12-2025 02-2026: 3.5%▲ +0.1 percentage points vs 01-2026 03-2026: 3.4%▼ -0.1 percentage points vs 02-2026 04-2026: 4.0%▲ +0.6 percentage points vs 03-2026highest value 05-2026: 1.6%▼ -2.4 percentage points vs 04-2026 06-2026: 1.6%● unchanged vs 05-2026 07-2026: 1.7%▲ +0.1 percentage points vs 06-2026 08-2026: 1.7%● unchanged vs 07-2026 09-2026: 1.7%● unchanged vs 08-2026 10-2026: 1.7%● unchanged vs 09-2026
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity ample (current ratio 1.62, compared with 1.31 in 2024; short-term debt: 58.3% and cash: 38.6% of total assets), but 58.8% of the assets are financed with debt.
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 49% on solvency, 73% on liquidity, 5% on profitability and 15% on growth.

The bankruptcy probability was computed on 08-10-2026 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).

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Signals

Five signals.
−lowers risk+raises risk○neutral
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
lowers risk · Liquidity: current ratio 1.62, cash €137,036
NBB · annual accounts
raises risk · Loss of €71,418 (financial year 2025)
NBB · annual accounts
raises risk · Founded in 2020
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
on the day
2021
16 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 3 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 financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 30 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end09-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Weakest financial yearnet -€71,418
  3. Annual accounts filedfinancial year 2024 · abbreviated…

Key points

  • Caution: From profit to loss in 2025after €17,259 in 2024 -€71,418 View
  • Caution: Among the weakest 8% on net resultsector median €19,246 · 2,731 companies -€71,418 View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

By topic

Financials

Financial year
2025
Total assets
€355,375
Loss
-€71,418
Solvency
41.2%
Total assets▼ 59.4%
Net result
20212025
Go to Financials

Timeline

Events
9
Since
2022
Next accounts
by 30-04-2027
  1. 30-04-2024Annual accounts filed
  2. 30-09-2023Highest result from 2021 to 2025
  3. 30-09-2023Equity above €200,000
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
07-12-2020
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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