NHL Construct
ActiveThe computed 12-month bankruptcy probability of NHL Construct is 4.1% (elevated). The 2024 annual accounts show negative equity (€-1k) and a net result of €-8k. Equity is shrinking by ~28.7% per year across the filed fiscal years. Its solvency ranks better than 9% of 9981 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
17
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-52
Solvency14▼-55
Growth32=
Track record100
Bankruptcy probability, 12 months
4.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.82 against 0.8 in 2023; short-term debt: 92.5% and cash: 1.8% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-11.1%
Return on assets
-73.5%
Age of the figures
21 mo
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
2021222324
2020 to 2024 · latest year €-1k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-10-2025, 62 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
62 d late
2023
91 d late
2022
98 d late
2021
99 d late
2020
92 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-1k
2023 · €6k
2020: €12k
2021: €3k
2022: €8k
2023: €6k
2020 → 2024
Total assets
€10k▼ 29.2%
2023 · €15k
2020: €44k
2021: €56k
2022: €31k
2023: €15k
2020 → 2024
Net result
€-8k▼ 299%
2023 · €-2k
2020: €9k
2021: €-9k
2022: €5k
2023: €-2k
2020 → 2024
Working capital
€-2k▼ 4.0%
2023 · €-2k
2020: €-13k
2021: €-14k
2022: €-5k
2023: €-2k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€12k-€3k▼ 72.9%€8k▲ 160%€6k▼ 22.8%€-1k
Operating result€10k-€-8k€6k€-2k€-7k▼ 346%
Net result€9k-€-9k€5k€-2k€-8k▼ 299%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2024 against €2k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €10k
Fixed assets
€2k▼ 69.3%
Current assets
€8k▲ 20.7%
Key figures and ratios
EBITDA
€-2k▼
2023 · €4k
Cash flow
€-2k▼
2023 · €4k
Solvency
-11.1%▼
2023 · 44.2%
Current ratio
0.82▲
2023 · 0.80
Quick ratio
0.82▲
2023 · 0.80
Debt / equity
-9.99▼
2023 · 1.26
ROA
-73.5%▼
2023 · -13.0%
Interest coverage
-17.26▼
2023 · 17.55
Debt
€11k▲
2023 · €8k
Debt ≤ 1 year
€10k▲
2023 · €8k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€15k€10k▼
Fixed assets21/28€8k€2k▼
Tangible fixed assets22/27€8k€2k▼
Furniture and vehicles24€8k€2k▼
Financial fixed assets28€148€148=
Current assets29/58€6k€8k▲
Amounts receivable within one year40/41€3k€8k▲
Other amounts receivable41€3k€8k▲
Cash at bank and in hand54/58€2k€186▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€15k€10k▼
Equity10/15€6k€-1k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€3k€-4k▼
Amounts payable17/49€8k€11k▲
Amounts payable within one year42/48€8k€10k▲
Current portion of amounts payable after more than one year42€8k€2k▼
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45€104€104=
Taxes450/3€104€104=
Other amounts payable47/48-€6k
Accrued charges and deferred income492/3-€2k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€100-
Gross operating margin9900€4k€-2k▼
Operating profit (loss)9901€-2k€-7k▼
Financial charges65/66B€224€109▼
Recurring financial charges65€224€109▼
Profit (loss) for the period before taxes9903€-2k€-8k▼
Profit (loss) for the period9904€-2k€-8k▼
Profit (loss) for the period to be appropriated9905€-2k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-4k▼
Profit (loss) brought forward from the previous period14P€5k€3k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
13-08
State Gazette act
Registered officeGeneral meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move2 facts ▸
- General meeting, 2 juli 2026
- Registered-office move, Coenstraat 1, 1745 Opwijk
2025
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 62 days late
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
06-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 98 days late
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
07-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 99 days late
2021
31-12
Financial
Weakest financial yearnet €-9k ▼198%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 92 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Opwijk · 1 establishment unit since 2019
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.
Coenstraat 11745 OpwijkGround area
1,224 m²
Building footprint
234 m²
Volume, LiDAR
1,213 m³
2 parcels, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Brusselsesteenweg 382, 1730 Asse
since 20192.302.378.142
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23752H0564/00F000 | Flanders | 1,133 m² | 1 · 139 m² | 7.7 m · 2 fl. |
| 23041A0002/00B002 | Flanders | 91 m² | 1 · 95 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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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NENY CONSTRUCT
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BE 1008.421.007
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BOUWWERKEN MICHIELS GEERT
BE 0477.183.580
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GABANI CONSTRUCT
BE 0749.455.751
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WOODLANDETHICS
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 7,501 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43995Specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.