MATTEO CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of MATTEO CONSTRUCT is 2.1% (moderate). The 2025 annual accounts show equity of €23k and a net result of €4k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 79% of 27965 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability85▲+85
Solvency99▼-1
Growth52=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.75 against 7.14 in 2024; short-term debt: 26.3% and cash: 63.6% of total assets), and 26.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
73.7%
Return on assets
12.9%
Age of the figures
9 mo
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 08-07-2026, 23 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
23 d early
2024
35 d early
2023
9 d early
2022
7 d early
2021
33 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 21.1%
2024 · €19k
2021: €17klowest in 5 years
2022: €32k▲ +92.6% vs 2021highest in 5 years
2023: €31k▼ -2.6% vs 2022
2024: €19k▼ -38.8% vs 2023
2025: €23k▲ +21.1% vs 2024
2021 → 2025
Total assets
€31k▲ 45.3%
2024 · €22k
2021: €24k
2022: €40k▲ +69.2% vs 2021
2023: €42k▲ +5.2% vs 2022highest in 5 years
2024: €22k▼ -48.3% vs 2023lowest in 5 years
2025: €31k▲ +45.3% vs 2024
2021 → 2025
Net result
€4k
2024 · €-12k
2021: €14k
2022: €15k▲ +13.0% vs 2021highest in 5 years
2023: €-825▼ -105% vs 2022
2024: €-12k▼ -1369% vs 2023lowest in 5 years
2025: €4k▲ +133% vs 2024
2021 → 2025
Working capital
€23k▲ 47.5%
2024 · €15k
2021: €3klowest in 5 years
2022: €12k▲ +354% vs 2021
2023: €17k▲ +50.4% vs 2022
2024: €15k▼ -11.7% vs 2023
2025: €23k▲ +47.5% vs 2024highest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€32k▲ 92.6%€31k▼ 2.6%€19k▼ 38.8%€23k▲ 21.1%
2021: €17klowest in 5 years
2022: €32k▲ +92.6% vs 2021highest in 5 years
2023: €31k▼ -2.6% vs 2022
2024: €19k▼ -38.8% vs 2023
2025: €23k▲ +21.1% vs 2024
Operating result€17k-€20k▲ 17.1%€466▼ 97.7%€-12k€4k
2021: €17k
2022: €20k▲ +17.1% vs 2021highest in 5 years
2023: €466▼ -97.7% vs 2022
2024: €-12k▼ -2659% vs 2023lowest in 5 years
2025: €4k▲ +136% vs 2024
Net result€14k-€15k▲ 13.0%€-825€-12k▼ 1,369%€4k
2021: €14k
2022: €15k▲ +13.0% vs 2021highest in 5 years
2023: €-825▼ -105% vs 2022
2024: €-12k▼ -1369% vs 2023lowest in 5 years
2025: €4k▲ +133% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €12k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€457 ▼ 87.8%
Current assets
€31k ▲ 73.0%
Equity and liabilities €31k
Equity
€23k ▲ 21.1%
Debt
€8k ▲ 230%
Debt's share of the balance-sheet total rises from 11.6% to 26.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€6k▲
2024 · €-2k
Cash flow
€6k▲
2024 · €-2k
Current ratio
3.75▼
2024 · 7.14
Debt to equity
0.36▲
2024 · 0.13
ROE
17.5%▲
2024 · -63.4%
ROA
12.9%▲
2024 · -56.0%
Interest coverage
29.51▲
2024 · -10.05
Debt ≤ 1 year
€8k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€22k€31k▲
Fixed assets21/28€4k€457▼
Tangible fixed assets22/27€4k€457▼
Furniture and vehicles24€4k€457▼
Current assets29/58€18k€31k▲
Amounts receivable within one year40/41€5k€10k▲
Trade receivables40€326€4k▲
Other amounts receivable41€5k€6k▲
Cash at bank and in hand54/58€11k€20k▲
Deferred charges and accrued income490/1€2k€512▼
Equity and liabilities
Total equity and liabilities10/49€22k€31k▲
Equity10/15€19k€23k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€16k€20k▲
Amounts payable17/49€3k€8k▲
Amounts payable within one year42/48€3k€8k▲
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k-
Remuneration and social security454/9-€3k
Other amounts payable47/48€38€38=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€2k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-353€8k▲
Operating profit (loss)9901€-12k€4k▲
Financial income75/76B€0€7▲
Recurring financial income75€0€7▲
Financial charges65/66B€184€204▲
Recurring financial charges65€184€204▲
Profit (loss) for the period before taxes9903€-12k€4k▲
Profit (loss) for the period9904€-12k€4k▲
Profit (loss) for the period to be appropriated9905€-12k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€20k▲
Profit (loss) brought forward from the previous period14P€28k€16k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €9k | €12k | €10k | €2k | ▼ 82.2% |
| Other operating charges640/8 | €624 | €1k | €3k | €1k | €2k | ▲ 22.1% |
| Gross operating margin9900 | €20k | €31k | €15k | €-353 | €8k | ▲ 2,324% |
| Operating profit (loss)9901 | €17k | €20k | €466 | €-12k | €4k | ▲ 136% |
| Financial income75/76B | - | €0 | - | €0 | €7 | ▲ 7,678% |
| Recurring financial income75 | - | €0 | - | €0 | €7 | ▲ 7,678% |
| Financial charges65/66B | €2 | €12 | €191 | €184 | €204 | ▲ 11.1% |
| Recurring financial charges65 | €2 | €12 | €191 | €184 | €204 | ▲ 11.1% |
| Profit (loss) for the period before taxes9903 | €17k | €20k | €276 | €-12k | €4k | ▲ 133% |
| Income taxes67/77 | €3k | €5k | €1k | - | - | - |
| Profit (loss) for the period9904 | €14k | €15k | €-825 | €-12k | €4k | ▲ 133% |
| Profit (loss) for the period to be appropriated9905 | €14k | €15k | €-825 | €-12k | €4k | ▲ 133% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €24k | €40k | €42k | €22k | €31k | ▲ 45.3% |
| Fixed assets21/28 | €14k | €20k | €14k | €4k | €457 | ▼ 87.8% |
| Tangible fixed assets22/27 | €14k | €20k | €14k | €4k | €457 | ▼ 87.8% |
| Furniture and vehicles24 | €14k | €20k | €14k | €4k | €457 | ▼ 87.8% |
| Current assets29/58 | €9k | €19k | €28k | €18k | €31k | ▲ 73.0% |
| Amounts receivable within one year40/41 | €2k | €9k | €20k | €5k | €10k | ▲ 106% |
| Trade receivables40 | €190 | - | €16k | €326 | €4k | ▲ 1,239% |
| Other amounts receivable41 | €2k | €9k | €4k | €5k | €6k | ▲ 28.2% |
| Cash at bank and in hand54/58 | €7k | €9k | €7k | €11k | €20k | ▲ 83.0% |
| Deferred charges and accrued income490/1 | €810 | €1k | €1k | €2k | €512 | ▼ 72.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €24k | €40k | €42k | €22k | €31k | ▲ 45.3% |
| Equity10/15 | €17k | €32k | €31k | €19k | €23k | ▲ 21.1% |
| Contributions10/11 | €3k | €3k | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €14k | €29k | €28k | €16k | €20k | ▲ 25.1% |
| Amounts payable17/49 | €7k | €8k | €11k | €3k | €8k | ▲ 230% |
| Amounts payable within one year42/48 | €7k | €8k | €11k | €3k | €8k | ▲ 230% |
| Trade debts44 | €127 | €3k | €10k | €1k | €5k | ▲ 282% |
| Suppliers440/4 | €127 | €3k | €10k | €1k | €5k | ▲ 282% |
| Taxes, remuneration and social security45 | €3k | €5k | €1k | €1k | €3k | ▲ 172% |
| Taxes450/3 | €3k | €5k | €1k | €1k | - | - |
| Remuneration and social security454/9 | - | - | - | - | €3k | - |
| Other amounts payable47/48 | €3k | - | - | €38 | €38 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14k | €15k | €-825 | €-12k | €4k | ▲ 133% |
| + Depreciation and write-downs630 | €2k | €9k | €12k | €10k | €2k | ▼ 82.2% |
| Operating cash flow (approximation) | €16k | €25k | €11k | €-2k | €6k | ▲ 387% |
| Investment in fixed assets (approximation) | - | €-16k | €-5k | €0 | €1k | - |
| Change in cash | - | €2k | €-2k | €4k | €9k | ▲ 130% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 7.14
Current ratio from 2.64 to 7.14; short-term debt falls from €11k to €3k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €15k ▲13%
Operating result €20k, net result €15k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Sint-Pieters-Leeuw · 1 establishment unit since 2021
Ground area
9,273 m²
Building footprint
1,445 m²
Volume, LiDAR
928 m³
2 parcels, Brussels, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
301
companies at this address
See who is registered here
1 establishment unit
MATTEO CONSTRUCT
since 20212.317.646.041
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23582E0505/00E000 | Flanders | 8,312 m² | 1 · 1,330 m² | - |
| 21308H0340/00S000 | Brussels | 962 m² | 1 · 115 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 5,391 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43350Other building finishing work
Contact
E-mail
matteo.construct07@yahoo.comAnderlecht
Phone
0470957935Anderlecht
Scores and ratios are computed by Checked and are not a credit decision.