Debts
€71,549 90% of the balance sheet
Suppliers 23%Taxes and wages 3%Other 74%
MYM CONSTRUCT
Lifetime
2 annual accounts with figures on one time axispeak €77,536 (2025)
€77,536▲ 40.9%
peak €3,910 (2025)
€3,910▲ 40.5%
peak €7,792 (2025)
€7,792▲ 101%
€71,549▲ 29×
Board1 name since 2023
1 directorHAMMOUNAÏCHA Mohammed
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Turnover from €55,033 to €77,536Gross margin from €5,003 to €6,538Result from €2,782 to €3,910Equity from €3,882 to €7,792Debts from €2,459 to €71,5491 establishment registered
Key points
from the 2025 annual accountsPayment terms
326 days from customers
Customers pay 321 days later.
Liquidity
1.09 was 1.83 in 2024
Short-term debts rose from €2,459 to €71,549.
Starting capital
€6,000 100 shares
At the same address
954 companies
Position in the sector
9.8%
Lower solvency than 81% of companies in construction of buildings. Sector median 42.9% · 9,462 companies.
2025 accounts filed 28 days after the deadline
Checked score
37
Weak
Financially stronger than 37% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
5.5% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 6.7%highest value
01-2025: 4.2%▼ -2.5 percentage points vs 12-2024
02-2025: 4.6%▲ +0.4 percentage points vs 01-2025
03-2025: 4.6%● unchanged vs 02-2025
04-2025: 5.0%▲ +0.4 percentage points vs 03-2025
05-2025: 4.8%▼ -0.2 percentage points vs 04-2025
06-2025: 4.8%● unchanged vs 05-2025
07-2025: 5.1%▲ +0.3 percentage points vs 06-2025
08-2025: 3.0%▼ -2.1 percentage points vs 07-2025lowest value
09-2025: 3.1%▲ +0.1 percentage points vs 08-2025
10-2025: 3.1%● unchanged vs 09-2025
11-2025: 3.1%● unchanged vs 10-2025
12-2025: 3.1%● unchanged vs 11-2025
01-2026: 3.1%● unchanged vs 12-2025
02-2026: 3.1%● unchanged vs 01-2026
03-2026: 3.2%▲ +0.1 percentage points vs 02-2026
04-2026: 3.3%▲ +0.1 percentage points vs 03-2026
05-2026: 3.4%▲ +0.1 percentage points vs 04-2026
06-2026: 3.4%● unchanged vs 05-2026
07-2026: 3.6%▲ +0.2 percentage points vs 06-2026
08-2026: 3.8%▲ +0.2 percentage points vs 07-2026
09-2026: 5.4%▲ +1.6 percentage points vs 08-2026
10-2026: 5.5%▲ +0.1 percentage points vs 09-2026
11-2026: 5.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Founded in 2023
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: turnover €77,536, total assets €79,340
Liquidity: current ratio 1.09, cash €5,187
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 41, micro). It does better than 18% of them on solvency, 8% on liquidity, 38% on profitability and 83% 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 elevated class on 30-06-2025, 6.3% 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, 2,135 companies had the same profile as MYM CONSTRUCT has now. Each dot stands for 6 companies, two years later.
92.0%
were still trading
2.3%
stopped another way
5.2%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of MYM CONSTRUCT itself: 5.5% within 12 months.
Test of the method
The method was tested on the 497,447 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 2,135 companies, not a prediction for MYM 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
No publishable credit limit, so credit only on tighter terms
Liquidity is tight, with a current ratio of 1.09 (1.83 in 2024), below the usual 1.5. Short-term debt is 90.2% and cash 6.5% of total assets. 90.2% 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
Six signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 9462 sector peers (2025).
NBB · sector comparisonPosition among 9462 sector peers
Solvency
better than 18%
← weakest
strongest →
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 2 filingsDeviation from the deadline
2025
28 days late
2024
18 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 5 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% 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.
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 0208:0804917084
First establishment
Sergeant De Bruynestraat 86, Anderlecht
Incorporation
Founding capital of €6,000, 100 shares · Founder: HAMMOUNAÏCHA Mohammed · Appointment: HAMMOUNAÏCHA Mohammed (director) · published on 23-08-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| MYM CONSTRUCT Kraainem | €77,536 | 7.3% | 9.8% | - |
| K-Solution Overijse | - | - | 36.7% | - |
| VISSTROI CONSTRUCT Grimbergen | €63,117 | 12.3% | 78.3% | - |
| BATTI CARS Ternat | - | - | 52.4% | - |
| TS RENOVATION Zaventem | - | - | 15.7% | - |
| K.A.N. Construction Molenbeek-Saint-Jean | - | - | 78.5% | - |
| Kastrum Wervik | - | - | -8.0% | - |
Grey: the largest companies of the sector (construction of buildings (NACE 41)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as MYM CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €68,300 and €88,200, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 20-08-2023Normal situation
- Registered office
- 956 active companies are registered at this address95 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- General construction of residential buildingsNACE 41001
- Establishment unit
- 2.390.895.6891070 Anderlecht, since 01-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 22-12-2025
Insights on MYM CONSTRUCT
Solvency fell in 2025 from 61.2% to 9.8%.
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 MYM CONSTRUCT
- What is the company number of MYM CONSTRUCT?
- The company number of MYM CONSTRUCT is 0804.917.084. The VAT number is the same number with BE in front: BE 0804.917.084.
- Where is MYM CONSTRUCT based?
- The registered office is at Steenweg op Mechelen 455, 1950 Kraainem.Company details
- What does MYM CONSTRUCT do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of MYM CONSTRUCT?
- MYM CONSTRUCT is a private limited company (BV).
- When was MYM CONSTRUCT founded?
- MYM CONSTRUCT was founded on 20-08-2023.
- Is MYM CONSTRUCT still active?
- Yes, MYM CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of MYM CONSTRUCT?
- The turnover of MYM CONSTRUCT was €77,536 in financial year 2025, according to the filed annual accounts.Financials
- Is MYM CONSTRUCT profitable?
- In financial year 2025, MYM CONSTRUCT made a profit of €3,910.
- Where can I find the annual accounts of MYM CONSTRUCT?
- MYM CONSTRUCT filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of MYM CONSTRUCT due?
- MYM CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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