Equity
€1.2m ▲ 12.9%
LC CONSTRUCT has made a profit without a break since 2013.
LC CONSTRUCT
Lifetime
20 annual accounts with figures on one time axispeak €560,771 (2021)
€302,928▲ 33.1%
lowest -€552,371 (2006)
€132,499▲ 465%
peak €1.2m (2025)
€1.2m▲ 12.9%
€2.8m▼ 3.6%
Board1 name since 2005
1 directorCAMS Luc
Documentsfilings and deeds
07-08-20267 days late
2025micro format
Gross margin from €227,581 to €302,928Result from €23,440 to €132,499Equity from €1.0m to €1.2mCash from €5,106 to €13,812
Key points
from the 2025 annual accountsResult
€132,499 ▲ 465%
The result rose in 2025 from €23,440 to €132,499.
Turnover
≈ €530,000 estimated
The accounts state no turnover.
Debts
€2.8m 70% of the balance sheet
Financial debts 71%Suppliers 4%Taxes and wages 3%Other 22%
Of this, €789,950 falls due within a year.
Filings
20 annual accounts since 2006
Four of the last ten came late. The 2021 accounts came latest: 58 days after the end of the period.
Position in the sector
€132,499
Higher net result than 93% of companies in real estate. Sector median €5,995 · 17,190 companies.
Checked score
94
Excellent
Financially stronger than 55% of small companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 6,995 companies (NACE 68, small).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.3%▲ +0.1 percentage points vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.6%▲ +0.3 percentage points vs 07-2026highest value
09-2026: 0.1%▼ -0.5 percentage points vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 3.69, cash €13,812
lowers risk
Size: total assets €3.9m
Figures for financial year 2025 (filed on 07-08-2026)
Founded in 2005
Calculation
The band follows from the bankruptcy probability. 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 68, small). It does better than 50% of them on solvency, 40% on liquidity, 53% on profitability and 75% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,685 companies had the same profile as LC CONSTRUCT has now. Each dot stands for 12 companies, two years later.
97.0%
were still trading
1.9%
stopped another way
1.1%
went bankrupt
That fits the bankruptcy probability of LC CONSTRUCT itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,685 companies, not a prediction for LC CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €100,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.69 (3.48 in 2024), above the usual 1.5. Short-term debt is 20.1% and cash 0.4% of total assets. However, 70.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 7 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 10 filingsDeviation from the deadline
2025
7 days late
2024
3 days early
2023
1 day early
2022
30 days late
2021
58 days late
2020
2 days early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 13 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 7 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0875694917
Environmental permit granted
Nieuwbouw van bijgebouwen, niet-overdekte lage constructies en andere handelingen, Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden · Lummen
Change of role: CAMS Luc, from manager to director
General meeting of 29-06-2023 · Gazette deed
Environmental permit refused
Bomen vellen die geen deel uitmaken van een bos en/of bodemreliëf wijzigen, Slopen van niet vrijstaande gebouwen of constructies, Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden · Heusden-Zolder
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LC CONSTRUCT Houthalen-Helchteren | €3.9m | €302,928 | 29.5% | - |
| OUD GASTHUIS HASSELT Houthalen-Helchteren | €4.6m | €340,955 | -20.9% | - |
| MEY Hasselt | €4.5m | €334,854 | 53.6% | 3 |
| JBK PROJECTBOUW Wellen | €4.0m | €236,902 | 42.5% | 0.8 |
| House of Construction Beringen | €4.9m | €262,018 | 32.0% | - |
| VS WOONPROJECTEN Hasselt | €3.2m | €253,008 | 16.5% | 0 |
| IMMO AC Brussels | €3.3m | €338,035 | 30.0% | - |
These companies have the same main activity as LC CONSTRUCT: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €3.2m and €4.9m, founded between 2003 and 2007.
Official details
Source: KBO- Status
- Active since 24-08-2005Normal situation
- Registered office
- 10 active companies are registered at this addressSource: KBO register, as of 11 November 2026.
- Activity
- Development of residential building projectsNACE 68121and 1 other
- Establishment unit
- 2.149.073.1073530 Houthalen-Helchteren, since 27-09-2005
- Financial year end
- 31 December
- Peppol
- Reachable since 07-01-2026
Insights on LC CONSTRUCT
LC CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from -€531,392 in 2006 to €302,928 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about LC CONSTRUCT
- What is the company number of LC CONSTRUCT?
- The company number of LC CONSTRUCT is 0875.694.917. The VAT number is the same number with BE in front: BE 0875.694.917.
- Where is LC CONSTRUCT based?
- The registered office is at Europark 1005, 3530 Houthalen-Helchteren.Company details
- What does LC CONSTRUCT do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of LC CONSTRUCT?
- LC CONSTRUCT is a private limited company (BV).
- When was LC CONSTRUCT founded?
- LC CONSTRUCT was founded on 24-08-2005.
- Is LC CONSTRUCT still active?
- Yes, LC CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of LC CONSTRUCT?
- The turnover in financial year 2025 is ≈ €530,000. This figure is estimated from the gross margin of €302,928 and 43 comparable companies (NACE 681). It probably lies between €400,000 and €880,000.Financials
- Is LC CONSTRUCT profitable?
- In financial year 2025, LC CONSTRUCT made a profit of €132,499.
- Where can I find the annual accounts of LC CONSTRUCT?
- LC CONSTRUCT filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LC CONSTRUCT due?
- LC CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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