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MARIA CONSTRUCT

Active
Private limited companyfounded 2025active for 1 yearPlace de la Liberté 34, 4400 Flémalle, BelgiumKBO/BCE: BE 1023.256.166
Summary

MARIA CONSTRUCT has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47,150 and a net result of €37,150. Its solvency ranks better than 86% of 9,327 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
≈ €270,000turnover 2025, estimated
Equity
€47,150
Profit
€37,150
Turnover estimated from the gross margin
Financial health
67 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.4%
Structure
2025 accounts filed 19 days late
Why 67raises riskFounded in 2025Size: total assets €60,596Sector: Construction of residential and non-residential buildings (NACE 41)lowers riskLiquidity: current ratio 2.56, cash €13,938Show the evidence

Checked score

Score 2025
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 86% of its sector peers (NACE 41, micro)
Financial strength
Strong
Solvency 100
equity 77.8% of total assets
Liquidity 71
short-term debt 22.2% · cash 23.0%
Profitability 100
return on assets 61.3%
Bankruptcy probability, 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,446 companies, NACE 41, micro)
Last 24 months 06-2026: 3.6% 07-2026: 3.7%▲ +0.1 percentage points vs 06-2026 08-2026: 3.7%● unchanged vs 07-2026highest value 09-2026: 1.3%▼ -2.4 percentage points vs 08-2026lowest value 10-2026: 1.4%▲ +0.1 percentage points vs 09-2026
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.56, above the usual 1.5; short-term debt: 22.2% and cash: 23% of total assets), and 22.2% 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 92% on solvency, 75% on liquidity and 91% on profitability.

The bankruptcy probability was computed on 28-10-2026 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 riskraises risk
raises risk · Founded in 2025
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Size: total assets €60,596
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 2.56, cash €13,938
NBB · annual accounts
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · 2025 accounts filed 19 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 1 filing
Deviation from the deadline
2025
19 days late
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2025.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. IncorporationAppointment: MARIA Sébastien Antoine (administrateur…

Financials · financial year 2025, micro format

2025 annual accounts filed late (19 days) Filed on 19 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00428347.

Turnover
≈ €270,000
Estimated: probably between €190,000 and €510,000
Total assets
€60,596
Net result
€37,150
Working capital
€20,938

Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.

Balance-sheet composition
Assets €60,596
Fixed assets €26,212
Current assets €34,384
Equity and liabilities €60,596
Equity €47,150
Debt €13,446
Debt finances 22.2% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€51,301
Cash flow
€42,360
Current ratio
2.56
Debt to equity
0.29
ROE
78.8%
ROA
61.3%
Interest coverage
over 100
Debt ≤ 1 year
€13,446
Income taxes
€9,288

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 96.6% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
96.6% still going

For this company itself Checked computes a higher bankruptcy probability: 1.4% 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 497,445 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% 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%

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 11,279 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 · 32 lines
Balance sheet Code2025
Assets
Total assets20/58€60,596
Fixed assets21/28€26,212
Tangible fixed assets22/27€26,212
Plant, machinery and equipment23€537
Furniture and vehicles24€25,675
Current assets29/58€34,384
Amounts receivable within one year40/41€20,446
Trade receivables40€17,460
Other amounts receivable41€2,986
Cash at bank and in hand54/58€13,938
Equity and liabilities
Total equity and liabilities10/49€60,596
Equity10/15€47,150
Contributions10/11€10,000
Profit (loss) carried forward14€37,150
Amounts payable17/49€13,446
Amounts payable within one year42/48€13,446
Trade debts44€2,208
Suppliers440/4€2,208
Taxes, remuneration and social security45€11,238
Taxes450/3€11,238
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,210
Gross operating margin9900€51,301
Operating profit (loss)9901€46,091
Financial income75/76B€396
Recurring financial income75€396
Financial charges65/66B€49
Recurring financial charges65€49
Profit (loss) for the period before taxes9903€46,438
Income taxes67/77€9,288
Profit (loss) for the period9904€37,150
Profit (loss) for the period to be appropriated9905€37,150
Appropriation of the result
Profit (loss) to be appropriated9906€37,150

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,210
Gross operating margin9900€51,301
Operating profit (loss)9901€46,091
Financial income75/76B€396
Recurring financial income75€396
Financial charges65/66B€49
Recurring financial charges65€49
Profit (loss) for the period before taxes9903€46,438
Income taxes67/77€9,288
Profit (loss) for the period9904€37,150
Profit (loss) for the period to be appropriated9905€37,150
Line2025
Assets
Total assets20/58€60,596
Fixed assets21/28€26,212
Tangible fixed assets22/27€26,212
Plant, machinery and equipment23€537
Furniture and vehicles24€25,675
Current assets29/58€34,384
Amounts receivable within one year40/41€20,446
Trade receivables40€17,460
Other amounts receivable41€2,986
Cash at bank and in hand54/58€13,938
Equity and liabilities
Total equity and liabilities10/49€60,596
Equity10/15€47,150
Contributions10/11€10,000
Profit (loss) carried forward14€37,150
Amounts payable17/49€13,446
Amounts payable within one year42/48€13,446
Trade debts44€2,208
Suppliers440/4€2,208
Taxes, remuneration and social security45€11,238
Taxes450/3€11,238
Line2025
Profit (loss) for the period9904€37,150
+ Depreciation and write-downs630€5,210
Operating cash flow (approximation)€42,360

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 (1)
Financial year Type Filed Reference
31-12-2025 micro format 19-08-2026 2026-00428347

Similar companies · same sector, comparable size

Of the 29,226 active companies whose main activity is general construction of residential buildings (NACE 41001), figures are known for 16,354. 13,307 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
1 director, no change since 2025
MARIA Sébastien Antoine
Administrateur non statutaires · since 15-05-2025
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

1 person since 2025, 1 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
MARIA Sébastien Antoine
  • Administrateur non statutaires, from 15-05-2025 to date
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 15-05-2025 ↗

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 15-05-2025 Incorporation · €10,000 · 100 shares

Group and network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

On 13 May 2025, MARIA CONSTRUCT was incorporated as a private limited company by one natural person, with a starting capital of €10,000.12 MARIA Sébastien Antoine has served as administrateur non statutaires of the company since 2025.2 The company has filed annual accounts once, for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 15-05-2025
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
19-08
NBB filing Annual accounts filed
financial year 2025 · micro format · 19 days late
2025
15-05
Gazette deed Incorporation
Appointment: MARIA Sébastien Antoine (administrateur non statutaires) · Founder · Founding capital9 facts ▸
  • Incorporation, 09-05-2025
  • Founder, MARIA Sébastien Antoine
  • Founding capital, €10,000
  • Other provision, “plan financier remis au notaire, article 5:4. CSA” (deed in French)
  • Other provision, “attestation de suffisance des capitaux propres, article 5:8. CSA” (deed in French)
  • Other provision, “déclaration de libération totale des apports, article 5:8. CSA” (deed in French)
  • Other provision, “ING Banque, attestation de libération des apports” (deed in French)
  • Director appointment, MARIA Sébastien Antoine (administrateur non statutaires)
  • Pre-incorporation commitments, “takeover, organe d'administration” (deed in French)
Gazette deedNBB filing
1 of 1 deed read

Register details

Identification
Legal formPrivate limited company
Founded13-05-2025
Financial year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41002General construction of office buildings
41003General construction of other non-residential buildings
43910Bricklaying and masonry work
Contact
E-mail seba15maria@gmail.com
Phone +32498568494Flémalle
E-invoicing
Reachable via Peppol
Peppol ID 0208:1023256166
Registered 19-12-2025

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

Register as of 28 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 1023.256.166

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

Sites & property

Location & real-estate footprint
Registered office, Flémalle · 1 establishment unit since 2025
registered office establishment The establishment unit on the map
Ground area
990 m²
Building footprint
126 m²
Parcel 62037A0563/00Y000, Wallonia. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Maria Construct
Place de la Liberté 34, 4400 FlémalleGeneral construction of residential buildings
since 2025unit no. 2.373.737.973
1 parcel
Wallonia 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
62037A0563/00Y000 Wallonia 990 m² 1 · 126 m² -
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“La promotion immobilière, la vente sur plan, le courtage et l’intermédiaire immobilier, de biens immeubles et de toutes affaires…” (deed in French)
18 activities (deed in French)
  1. La promotion immobilière, la vente sur plan, le courtage et l’intermédiaire immobilier, de biens immeubles et de toutes affaires commerciales
  2. Le développement de projets immobiliers, industriels, commerciaux et financiers
  3. La gestion, pour compte propre ou pour compte de tiers, de tout patrimoine immobilier, tant national qu’international, notamment l’acquisition, la construction, l’aménagement, la location, la sous location, l’entreposage, l’échange et la vente de tout immeuble tant en usufruit qu’en nue-propriété et qu’en pleine propriété
  4. La prestation de services et de conseils en gestion générale
  5. La réalisation de toutes les manières qui lui paraîtront les mieux appropriées, de toutes opérations se rapportant directement ou indirectement à toutes transactions immobilières, notamment l’achat, la vente, la location, la sous-location, l’entreposage, la location vente, l’exploitation, la gestion ou l’ administration, la concession, le leasing et l’emphytéose, la construction, l’appropriation, la transformation, la mise en valeur, le lotissement, la division de tous biens immeubles bâtis et non bâtis
  6. La prise de participation sous quelque forme que ce soit, dans toute société ou entreprise belge ou étrangère, l’acquisition par voie d’achat, de souscription ou de toute autre manière, ainsi que la cession, par vente, échange ou de toute autre manière d’actions et, en général, de valeurs mobilières ; la gestion et la mise en valeur de son portefeuille ; la société peut participer à la création et au développement de toute société ou entreprise et leur prêter tout concours, que ce soit par des prêts ou de toute autre manière
  7. Elle peut exercer des mandats ou fonctions dans d’autres sociétés
  8. Elle peut aussi faire toutes opérations financières, industrielles et commerciales, mobilières et immobilières, ayant un rapport direct ou indirect avec son objet et s'intéresser par voie de souscription, apport, prise de participation ou autre manière, dans toutes société ou entreprise ayant une activité analogue, connexe ou complémentaire à la sienne, et , en général, effectuer toutes opérations de nature à favoriser la réalisation de son objet
  9. L'activité d'entreprise générale de construction et de parachèvement, rénovation, aménagement, réparation de tous types de bâtiments, l'entreprise de carrelage, l'entreprise de couvertures non métalliques de construction, l'entreprise de maçonnerie et de béton, l'entreprise de peinture du bâtiment et peinture industrielle, l'entreprise de revêtement des sols, l'entreprise zinguerie et couvertures métalliques de construction, l'entreprise d'étanchéité de construction, l'entreprise de travaux de démolition, l'entreprise de vitrages, l'entreprise de menuiserie charpenterie, l'entreprise de plafonnage -cimentage, l'entreprise de pose de châssis plastiques et métalliques, l'entreprise d'électricité, l'entreprise d'installation de chauffage central, l'entreprise de sanitaire et plomberie, la pose d'échafaudages, travaux de terrassements, coffrage, sablage et rejointoyage, pose de tarmac et autres revêtements en béton, la pose de cloisons, faux-plafonds et éléments préfabriqués, l'isolation thermique et acoustique, l'entreprise de ferronnerie, l'entreprise d'installations de ventilation et conditionnement d'air. L'entreprise de nettoyage industriel, lavage de vitres. L'entreprise de rénovation et de recouvrement de façades, d'isolation et pose d'enduits. La société pourra réaliser elle-même tous ces travaux énumérés, sans que cette liste soit limitative, et en confier l'exécution à des sous-traitants
  10. La réalisation, conception et gestion de projets industriels et de projets intéressant le génie électrique et électronique, le génie minier, le génie chimique, le génie mécanique, le génie industriel, l’ingénierie des systèmes ainsi que l’élaboration et la conception de projets comportant des activités ayant trait au génie civil ou de bâtiment, au génie hydraulique et à la technique du trafic
  11. La réalisation, conception et gestion de projets industriels et de projets intéressant le génie électrique et électronique, le génie minier, le génie chimique, le génie mécanique, le génie industriel, l’ingénierie des systèmes ainsi que l’élaboration et la conception de projets comportant des activités ayant trait au génie civil ou de bâtiment, au génie hydraulique et à la technique du trafic
  12. La société pourra effectuer toute opération immobilière comme marchand de biens, intermédiaire immobilier, promoteur, agent immobilier, A ce titre, la société pourra acheter des terrains en vue de la construction d'habitations, et les mettre en location ou les vendre, construire des bâtiments sur terrains appartenant à autrui, rénover des bâtiments en vue de les mettre en vente ou en location
  13. La constitution et la gestion d'un propre patrimoine mobilier ou immobilier, notamment l'acquisition par l'achat ou autrement, la vente, l'échange, la construction, la transformation, l'amélioration, l'équipement, l'aménagement, l'embellissement, l'entretien, la location, le leasing, le syndic d'immeuble, la prise en location, le lotissement, la prospection et l'exploitation de biens meubles et immeubles, ainsi que toutes opérations qui directement ou indirectement sont en relation avec cet objet et qui sont de nature à favoriser l'accroissement et le rapport d'un patrimoine mobilier ou immobilier, de même que se porter caution pour la bonne fin d'engagements pris par des tiers
  14. La transformation et location d'immeubles à usage résidentiel, commercial ou industriel, la gestion au sens le plus large du terme, améliorer et mettre en valeur son patrimoine immobilier, accomplir tous actes d'administration, de gestion, conclure des baux, effectuer tous placements, administrer et gérer son portefeuille
  15. L’exécution de toutes missions de contrôle, de certification et d’inspection relatives à la sécurité et à l’énergie des bâtiments. La société réalise son objet dans le cadre légal, réglementaire, normatif ou volontaire en vigueur. Les missions concernent les biens immobiliers et tous leurs accessoires, notamment les appareils, les compteurs et installations techniques fixes ou mobiles
  16. Toutes opérations de gestion et de coordination se rapportant directement ou indirectement à l’ entretien, la rénovation, les travaux de réparations, d’embellissements, de renouvellement et de modernisation, et la maintenance de biens immeubles et plus généralement toutes opérations se rapportant directement ou indirectement aux secteurs des travaux publics et privés et du bâtiment
  17. La consultance, la prestation de services, la formation et l’expertise dans les domaines de tous types
  18. La société pourra exercer un mandat de gestion journalière ou de liquidateur dans une ou plusieurs autres sociétés

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
MARIA CONSTRUCT
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Région Wallonne, l'organe d'administration a le pouvoir de déplacer le siège” (deed in French)

deed of 15-05-2025

Who represents it, and how

Who signsWho may bind the company towards others, for example by signing a contract.
Each director alone
Board ruleHow the board is made up, meets and takes decisions.
“Sans limitation de durée” (deed in French)
“Rémunération, assemblée générale” (deed in French)

deed of 15-05-2025

Capital, shares and profit

Kind of sharesWhich classes of shares exist and what rights each class carries.
“Nominatives, 100” (deed in French)
Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
“Conformément à l'article 1:32. CSA” (deed in French)
1 more provision on this in the deed

deed of 15-05-2025

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Second Monday of June at 18:00

deed of 15-05-2025

Oversight and winding up

Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
“Le liquidateur dispose des pouvoirs les plus étendus conférés par les articles 2:87. et suivants CSA, Cette confirmation n'est toutefois pas…” (deed in French)

deed of 15-05-2025

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “En cas de démembrement du droit de propriété d’actions, les droits y afférents sont exercés par l'usufruitier, vote par l'usufruitier” (deed in French)
Other provision: “Registre des actions, conformément au prescrit de l'article 5:25. CSA” (deed in French)
Other provision: “Convocations, conformément à l'article 2:32. CSA” (deed in French)
Other provision: “Décisions par écrit, sans réunion physique des actionnaires” (deed in French)
Other provision: “Participation à l'assemblée générale à distance par voie électronique” (deed in French)
Other provision: “Chaque actionnaire peut donner procuration à un mandataire, actionnaire au non, représentation” (deed in French)
Other provision: “Organe d'administration, prorogation” (deed in French)
Other provision: “Présidence — délibérations — procès-verbaux, Les copies ou extraits sont signés par un administrateur” (deed in French)
Other provision: “Affectation du bénéfice, sur proposition de l'organe d'administration” (deed in French)
Liquidation distribution: “Le liquidateur répartit l'actif net entre les actionnaires au prorata du nombre d'actions qu'ils possèdent, Le solde est réparti également…” (deed in French)
Other provision: “Élection de domicile, Le ou Les administrateurs, même non domicilié(s) à l'étranger, font élection de domicile au siège de la société” (deed in French)
Other provision: “Les dispositions légales auxquelles il ne serait pas explicitement dérogé sont réputées faire partie des statuts et les clauses contraires…” (deed in French)

deed of 15-05-2025