NTB Construct

Active

Private limited companyfounded 2024active for 2 yearsLeuvensesteenweg 246, 1932 Zaventem, Belgium672 active companies are registered at this addressKBO/BCE: BE 1010.166.314

Summary

The computed 12-month bankruptcy probability of NTB Construct is 6.1% (elevated). The 2025 annual accounts show equity of €24,853 and a net result of €24,653. Its solvency ranks better than 20% of 9,309 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

NTB ConstructActiveChecked score 34/100

Risk analysis Report Compare

Activity

General construction of residential buildings

NACE 41001

1 site

Size

€196,073total assets 2025

Equity: €24,853
Profit: €24,653

Turnover not published (micro format)

Financial health

34 Weak Checked score 2025

Bankruptcy probabilitywithin 12 months: 6.1%

Structure

BIANCO FrancescoDirector

2025 accounts filed 77 days late

Why 34raises riskFounded in 2024Sector: Construction of residential and non-residential buildings (NACE 41)Last filed accounts filed 77 days late; 1 of the last 3 lateSize: total assets €196,073Show the evidence

Checked score

Score 2025

34 / 100

Weak

Probability in this band: 4.2% to 15.0%

Financially better than 23% of its sector peers (NACE 41, micro)

Every signal that counts is listed under Signals.

Financial strength

Weak

Solvency 38

equity 12.7% of total assets

Liquidity 11

short-term debt 87.3% · cash 7.7%

Profitability 69

return on assets 12.6%

Bankruptcy probability, 12 months

6.1% Elevated

0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,431 companies, NACE 41, micro)

Last 24 months 07-2025: 6.5% 08-2025: 6.6%▲ +0.1 percentage points vs 07-2025 09-2025: 6.7%▲ +0.1 percentage points vs 08-2025 10-2025: 7.1%▲ +0.4 percentage points vs 09-2025 11-2025: 7.1%● unchanged vs 10-2025 12-2025: 7.6%▲ +0.5 percentage points vs 11-2025 01-2026: 7.9%▲ +0.3 percentage points vs 12-2025 02-2026: 7.9%● unchanged vs 01-2026 03-2026: 7.7%▼ -0.2 percentage points vs 02-2026 04-2026: 7.8%▲ +0.1 percentage points vs 03-2026 05-2026: 8.1%▲ +0.3 percentage points vs 04-2026 06-2026: 8.2%▲ +0.1 percentage points vs 05-2026highest value 07-2026: 8.2%● unchanged vs 06-2026highest value 08-2026: 8.2%● unchanged vs 07-2026highest value 09-2026: 8.2%● unchanged vs 08-2026highest value 10-2026: 6.1%▼ -2.1 percentage points vs 09-2026lowest value

Credit of up to €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms

Liquidity tight (current ratio 1.15, below the usual 1.5; short-term debt: 87.3% and cash: 7.7% of total assets), and 87.3% 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 41, micro): better than 20% on solvency, 10% on liquidity and 40% on profitability.

The bankruptcy probability was computed on 24-10-2026 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

Six signals.

raises risk

Founded in 2024

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Sector: Construction of residential and non-residential buildings (NACE 41)

KBO

Last filed accounts filed 77 days late; 1 of the last 3 late

NBB · filings

Size: total assets €196,073

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 9309 sector peers (2025).

NBB · sector comparison

Position among 9309 sector peers

Solvency

better than 20%

← weakest strongest →

2025 accounts filed 77 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-10-2026, 77 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 · 1 filing

Deviation from the deadline

2025

77 days late

← before the deadline after the deadline →

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since incorporation in 2024.

KBO publications · our coverage

16-10-2026 Annual accounts filedfinancial year 2025 · micro…
16-09-2024 Registered officeAttendance · Quorum · Agenda
11-06-2024 IncorporationAppointment: BIANCO Francesco (director) ·…

Key points

Caution: Latest accounts filed lateafter the legal deadline 77 days View
One director decidessole director in office 1 View
Total assets 2025first financial year filed €196,073 View

By topic

Financials

Financial year: 2025
Total assets: €196,073
Profit: €24,653
Solvency: 12.7%

Go to Financials

Board & ownership

Board: 1 member

BIANCO FrancescoDirector

Go to Board & ownership

Timeline

Events: 3
Since: 2024

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: General construction of residential buildingsNACE 41001
Founded: 07-06-2024
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 26

Annual meeting: First Friday of June at 19:30
Purpose: “Alle activiteiten die verband houden met de bouwsector; De bouwsector (residentiële…” (deed in Dutch)
Statutory auditor: No statutory auditor

Go to Articles of association

Key facts about NTB Construct

What is the company number of NTB Construct?: 1010.166.314. In Belgium the VAT number is the company number with BE in front: BE 1010.166.314.
Where is NTB Construct based?: The registered office is at Leuvensesteenweg 246, 1932 Zaventem.Company details
What does NTB Construct do?: According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of NTB Construct?: Private limited company (BV).
When was NTB Construct founded?: On 07-06-2024.
Is NTB Construct still active?: Yes, NTB Construct is an active enterprise in the KBO register.
What is the turnover of NTB Construct?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is NTB Construct profitable?: In financial year 2025, NTB Construct made a profit of €24,653.
Where can I find the annual accounts of NTB Construct?: NTB Construct filed 1 annual account with the National Bank of Belgium, for financial year 2025.