MY CONSTRUCT.
ActiveMY CONSTRUCT. has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €118k and a net result of €13k. Equity is growing by ~24.3% per year across the filed fiscal years. Its solvency ranks better than 39% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-6
Solvency63▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 8.57 against 6.47 in 2024; short-term debt: 11.3% and cash: 32.7% of total assets), but 62.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 43
higher
← 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
37.6%
Return on assets
4.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
29 d late
2024
40 d late
2023
211 d late
2022
28 d late
2021
24 d late
2020
20 d late
2019
11 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€13k▼ 47.6%
2024 · €25k
2018: €1k
2019: €2k
2020: €10k
2021: €22k
2022: €3k
2023: €13k
2024: €25k
2018 → 2025
Working capital
€269k▲ 16.2%
2024 · €231k
2018: €64k
2019: €97k
2020: €139k
2021: €185k
2022: €212k
2023: €215k
2024: €231k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€66k▲ 5.5%€79k▲ 20.3%€105k▲ 32.0%€118k▲ 12.7%
Operating result€33k-€6k▼ 83.1%€21k▲ 283%€37k▲ 72.3%€22k▼ 40.8%
Net result€22k-€3k▼ 84.7%€13k▲ 291%€25k▲ 89.3%€13k▼ 47.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €313k
Fixed assets
€9k▼ 50.0%
Current assets
€304k▲ 11.2%
Equity and liabilities €313k
Equity
€118k▲ 12.7%
Debt
€196k▲ 4.4%
The debt ratio falls from 64.2% to 62.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€32k▼
2024 · €47k
Cash flow
€23k▼
2024 · €35k
Solvency
37.6%▲
2024 · 35.8%
Current ratio
8.57▲
2024 · 6.47
Quick ratio
8.57▲
2024 · 6.47
Debt / equity
1.66▼
2024 · 1.79
ROE
11.3%▼
2024 · 24.2%
ROA
4.2%▼
2024 · 8.7%
Interest coverage
30.35▼
2024 · 31.61
Debt
€196k▲
2024 · €187k
Debt ≤ 1 year
€36k▼
2024 · €42k
Debt > 1 year
€160k▲
2024 · €145k
Income taxes
€7k▼
2024 · €10k
Staff costs
€13k▼
2024 · €18k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€292k€313k▲
Fixed assets21/28€18k€9k▼
Tangible fixed assets22/27€15k€9k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€14k€7k▼
Financial fixed assets28€3k€363▼
Current assets29/58€274k€304k▲
Amounts receivable within one year40/41€58k€100k▲
Trade receivables40€40k€79k▲
Other amounts receivable41€18k€21k▲
Current investments50/53-€100k
Cash at bank and in hand54/58€215k€103k▼
Deferred charges and accrued income490/1€172€2k▲
Equity and liabilities
Total equity and liabilities10/49€292k€313k▲
Equity10/15€105k€118k▲
Contributions10/11€6k€6k=
Reserves13€98k€112k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€97k€112k▲
Amounts payable17/49€187k€196k▲
Amounts payable after more than one year17€145k€160k▲
Other amounts payable178/9€145k€160k▲
Amounts payable within one year42/48€42k€36k▼
Current portion of amounts payable after more than one year42€5k-
Trade debts44-€28k
Suppliers440/4-€28k
Taxes, remuneration and social security45€10k€7k▼
Taxes450/3€10k€7k▼
Other amounts payable47/48€27k€117▼
Income statement
Code20242025
Non-recurring operating income76A€15k-
Remuneration, social security and pensions62€18k€13k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€361€298▼
Gross operating margin9900€65k€45k▼
Operating profit (loss)9901€37k€22k▼
Financial income75/76B€15-
Recurring financial income75€15-
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€35k€21k▼
Income taxes67/77€10k€7k▼
Profit (loss) for the period9904€25k€13k▼
Profit (loss) for the period to be appropriated9905€25k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€13k▼
Transfer to equity691/2€25k€13k▼
To other reserves6921€25k€13k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 211 days late
2024
31-12
Financial
Highest result since 2018net €25k ▲89.3%
Operating result €37k, net result €25k, both a record.
31-12
Financial
Equity above €100kEq €105k ▲32%
7 profitable years in a row build equity to €105k.
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 26.70
Current ratio from 8.26 to 26.70; short-term debt falls from €25k to €8k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 24 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 8.26
Current ratio from 4.00 to 8.26; short-term debt falls from €46k to €25k.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 20 days late
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 11 days late
2019
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 8 days late
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2018
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
02-10-2018
Resigned as Managing director
Location & real-estate footprint
Registered office, Colfontaine · 1 establishment unit since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Wilson 617340 ColfontaineGround area
880 m²
Building footprint
245 m²
Volume, LiDAR
1,464 m³
Parcel 53079A0426/00S000, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M.Y. CONSTRUCT
since 20172.263.539.639
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53079A0426/00S000 | Wallonia | 880 m² | 1 · 245 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
SKM BEZETTINGSWERKEN
BE 0801.718.955
Herentals · Eq €118k
HANS BOSCH
BE 0475.350.577
Beerse · Eq €118k
Afwerkingsbedrijf Dierckx Karel
BE 0894.429.971
Malle · Eq €119k
IDE Bouw
BE 0835.001.140
Aartselaar · Eq €117k
GYSSELS WOUTER
BE 0820.940.197
Oostkamp · Eq €119k
Of 4,011 companies in sector 43310 we hold annual accounts for 1,746. 1,489 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-04-2017
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
43410Roofing work
43211General electrical installation work
43230Insulation installation
43291Specialised construction activities
43990Other specialised construction activities
43995Specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.