PERSPECTIVE CONSTRUCT
ActiveSummary
PERSPECTIVE CONSTRUCT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75,473 and a net result of -€5,033. Equity is shrinking by ~5.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
- Equity
- €75,473
- Loss
- -€5,033
Why 91- No main activity registered+ Liquidity: current ratio 19.72, cash €77,868+ Size: total assets €79,504+ Equity €75,473 (94.9% of total assets)Show the evidence
Checked score
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 (no NACE code, micro): better than 81% on solvency, 95% on liquidity, 18% on profitability and 29% on growth.
The bankruptcy probability was computed on 07-10-2026 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).
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 7 accounts on average 14 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Liquidity times 6current ratio 10.40
Financials · fiscal year 2025, micro schema
2021 to 2025, 5 fiscal years 2018 to 2025, 8 fiscal years
The operating result stays negative: a loss of €4,919 in 2025 against €14,725 in 2024; the loss shrinks.
What the company sold each fiscal year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Point at or tap a year, or use the arrow keys on the chart, for the exact figures; the table below gives them all.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,471 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,910 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €0 | - | - | - | - | - |
| Other operating charges640/8 | - | - | - | €4,525 | €1,402 | €1,060 | €2,887 | €425 | ▼ 85.3% |
| Gross operating margin9900 | €44,739 | €94,387 | -€29,763 | -€947 | €214,597 | -€11,693 | -€11,838 | -€4,494 | ▲ 62.0% |
| Operating profit (loss)9901 | €43,958 | €94,050 | -€30,110 | -€5,472 | €213,195 | -€12,753 | -€14,725 | -€4,919 | ▲ 66.6% |
| Financial income75/76B | - | - | - | €1 | €0 | €0 | €0 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | - | €53 | €1 | €0 | €0 | €0 | €0 | ▼ 100% |
| Financial charges65/66B | - | - | - | €3,658 | €9,085 | €96 | €110 | €114 | ▲ 4.1% |
| Recurring financial charges65 | €3,132 | €9,997 | €269 | €3,658 | €9,085 | €96 | €110 | €114 | ▲ 4.1% |
| Profit (loss) for the period before taxes9903 | €40,826 | €84,052 | -€30,326 | -€9,129 | €204,110 | -€12,849 | -€14,835 | -€5,033 | ▲ 66.1% |
| Income taxes67/77 | €1,987 | €18,310 | €0 | - | €43,995 | €0 | - | - | - |
| Profit (loss) for the period9904 | €38,838 | €65,742 | -€30,326 | -€9,129 | €160,115 | -€12,849 | -€14,835 | -€5,033 | ▲ 66.1% |
| Profit (loss) for the period to be appropriated9905 | €38,838 | €65,742 | -€30,326 | -€9,129 | €160,115 | -€12,849 | -€14,835 | -€5,033 | ▲ 66.1% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €422,079 | €305,001 | €127,200 | €835,558 | €289,986 | €232,910 | €89,075 | €79,504 | ▼ 10.7% |
| Fixed assets21/28 | - | €1,300 | €0 | - | - | - | - | - | - |
| Financial fixed assets28 | - | €1,300 | €0 | - | - | - | - | - | - |
| Current assets29/58 | €422,079 | €303,701 | €127,200 | €835,558 | €289,986 | €232,910 | €89,075 | €79,504 | ▼ 10.7% |
| Stocks and contracts in progress3 | €380,266 | €1,550 | €0 | €461,430 | €0 | - | - | - | - |
| Stocks30/36 | - | - | - | €461,430 | €0 | - | - | - | - |
| Amounts receivable within one year40/41 | €20,607 | €30,250 | €54,536 | €373,300 | €4,815 | €4,136 | €1,636 | €1,636 | = |
| Trade receivables40 | - | - | - | €370,800 | €0 | - | - | - | - |
| Other amounts receivable41 | - | - | - | €2,500 | €4,815 | €4,136 | €1,636 | €1,636 | = |
| Cash at bank and in hand54/58 | €20,686 | €271,902 | €72,664 | €829 | €285,149 | €228,774 | €87,438 | €77,868 | ▼ 10.9% |
| Deferred charges and accrued income490/1 | - | - | - | - | €22 | €0 | - | - | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €422,079 | €305,001 | €127,200 | €835,558 | €289,986 | €232,910 | €89,075 | €79,504 | ▼ 10.7% |
| Equity10/15 | €68,259 | €134,001 | €103,675 | €94,545 | €198,190 | €95,341 | €80,506 | €75,473 | ▼ 6.3% |
| Contributions10/11 | €62,500 | €62,500 | €62,500 | €62,500 | €62,500 | €62,500 | €62,500 | €62,500 | = |
| Capital10 | - | - | - | €62,500 | €62,500 | €62,500 | €62,500 | €62,500 | = |
| Issued capital100 | - | - | - | €62,500 | €62,500 | €62,500 | €62,500 | €62,500 | = |
| Reserves13 | €5,759 | €71,501 | €41,175 | €32,045 | €135,690 | €32,841 | €18,006 | €12,973 | ▼ 28.0% |
| Non-distributable reserves130/1 | - | - | - | €6,250 | €6,250 | €6,250 | €6,250 | €6,250 | = |
| Legal reserve130 | - | - | - | €6,250 | €6,250 | €6,250 | €6,250 | €6,250 | = |
| Distributable reserves133 | - | - | - | €25,795 | €129,440 | €26,591 | €11,756 | €6,723 | ▼ 42.8% |
| Profit (loss) carried forward14 | -€11,451 | -€33,079 | - | - | €0 | €0 | €0 | - | - |
| Amounts payable17/49 | €353,820 | €171,001 | €23,526 | €741,013 | €91,796 | €137,569 | €8,569 | €4,031 | ▼ 53.0% |
| Amounts payable within one year42/48 | €353,800 | €171,001 | €23,526 | €740,414 | €91,796 | €137,569 | €8,569 | €4,031 | ▼ 53.0% |
| Financial debts43 | - | - | - | €530,000 | €0 | - | - | - | - |
| Credit institutions430/8 | - | - | - | €530,000 | €0 | - | - | - | - |
| Trade debts44 | €54,899 | €64,272 | €5,018 | €146,587 | €1,102 | €42 | €5,037 | €4,031 | ▼ 20.0% |
| Suppliers440/4 | - | - | - | €146,587 | €1,102 | €42 | €5,037 | €4,031 | ▼ 20.0% |
| Taxes, remuneration and social security45 | - | - | - | €9,889 | €43,995 | €43,995 | €0 | - | - |
| Taxes450/3 | - | - | - | €9,889 | €43,995 | €43,995 | €0 | - | - |
| Other amounts payable47/48 | - | - | - | €53,938 | €46,699 | €93,532 | €3,532 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | - | - | €599 | €0 | - | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €38,838 | €65,742 | -€30,326 | -€9,129 | €160,115 | -€12,849 | -€14,835 | -€5,033 | ▲ 66.1% |
| Operating cash flow (approximation) | €38,838 | €65,742 | -€30,326 | -€9,129 | €160,115 | -€12,849 | -€14,835 | -€5,033 | ▲ 66.1% |
| Investment in fixed assets (approximation) | - | - | €1,300 | - | - | - | - | - | - |
| Change in cash | - | €251,216 | -€199,238 | -€71,835 | €284,320 | -€56,375 | -€141,335 | -€9,571 | ▲ 93.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Directors
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Show earlier events
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 7 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305B0204/00L035 | Brussels | 343 m² | 1 · 328 m² | 21.3 m · 6 fl. |