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MATTHYS-CONSTRUCT

Active
Private limited companyfounded 2000active for 26 yearsOoststraat 97, 8647 Lo-Reninge, BelgiumKBO/BCE: BE 0472.257.960
Summary

MATTHYS-CONSTRUCT has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €712,006 and a net result of €3,670. Equity remains stable across the filed financial years (±0.1% per year). Its solvency ranks better than 30% of 9,594 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisFollow ReportCompare
MATTHYS-CONSTRUCTActiveChecked score 84/100
Risk analysis ReportCompare

Overview

Activity
Wholesale trade
NACE 46820General construction of residential buildings NACE 41001
6th largest employer in Lo-Reninge1 site
Size
€3.0mtotal assets 2025
Staff
22.5 FTE
Equity
€712,006
Profit
€3,670
Turnover not published (abbreviated format)
Financial health
84 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Structure
Accounts filed 31 days late0 of 5 deeds read
Why 84raises riskLatest accounts 31 days late; 1 of the last 3 lateSize: 22.5 FTE, total assets €3.0mlowers riskFounded in 2000Liquidity: current ratio 1.31, cash €1.1mShow the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 39% of its sector peers (NACE 46, small)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 49-11
equity 23.9% of total assets
Liquidity 53+2
short-term debt 76.1% · cash 35.6%
Profitability 38-43
return on assets 0.1%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (4,383 companies, NACE 46, small)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.3%▲ +0.1 percentage points vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.3%● unchanged vs 06-2025 08-2025: 0.1%▼ -0.2 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025lowest value 10-2025: 0.1%● unchanged vs 09-2025lowest value 11-2025: 0.1%● unchanged vs 10-2025lowest value 12-2025: 0.1%● unchanged vs 11-2025lowest value 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026lowest value 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.3%▲ +0.2 percentage points vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026highest value 10-2026: 0.3%● unchanged vs 09-2026highest value
Credit of up to €55,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.31, compared with 1.54 in 2024; short-term debt: 76.1% and cash: 35.6% of total assets), and 76.1% 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 46, small): better than 27% on solvency, 70% on liquidity, 23% on profitability and 36% on growth.

The bankruptcy probability was computed on 11-10-2026 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 riskneutral
lowers risk · Founded in 2000
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Latest accounts 31 days late; 1 of the last 3 late
NBB · filings
lowers risk · Liquidity: current ratio 1.31, cash €1.1m
NBB · annual accounts
raises risk · Size: 22.5 FTE, total assets €3.0m
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
13 days early
2023
16 days early
2022
11 days early
2021
17 days early
2020
15 days early
2019
15 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 8 days before the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% 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 18 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
12-10-2026 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 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · abbreviated…
  3. Back to profitnet €355,694

Key points

  • Caution: Result fell in 2025from €355,694 to €3,670 ▼ 99.0% View
  • Positive: 6th largest employer in Lo-Reningein the Checked rankings No. 6 View
  • Active since 2000founded 10-07-2000 26 years View

By topic

Financials

Financial year
2025
Total assets
€3.0m
Profit
€3,670
Solvency
23.9%
Total assets▲ 46.8%
Net result
20182025
Go to Financials

Timeline

Events
27
Since
2002
Next accounts
by 31-07-2027
  1. 15-07-2024Annual accounts filed
  2. 31-12-2023Weakest financial year
  3. 20-07-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Wholesale tradeNACE 46820
Founded
10-07-2000
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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