PT Construct
ActiveSummary
The computed 12-month bankruptcy probability of PT Construct is 2.2% (moderate). The 2025 annual accounts show equity of €20,974 and a net result of €2,851. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 69% of 28051 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-9
Solvency90▲+7
Growth52=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity short (current ratio 0.9 against 1.67 in 2024; short-term debt: 25% and cash: 16.6% of total assets), and 35.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
64.5%
Return on assets
8.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
30 d early
2024
5 d early
2023
27 d early
2022
40 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 26 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€20,974▼ 12.6%
2024 · €24,006
Total assets
€32,505▼ 22.0%
2024 · €41,649
Net result
€2,851▼ 58.1%
2024 · €6,806
Working capital
-€781
2024 · €5,566
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€19,460-€841▼ 95.7%€9,584▲ 1,040%€5,034▼ 47.5%
Net result€16,244--€1,041€6,806€2,851▼ 58.1%
Equity€18,244-€17,200▼ 5.7%€24,006▲ 39.6%€20,974▼ 12.6%
Total assets€39,711-€36,691▼ 7.6%€41,649▲ 13.5%€32,505▼ 22.0%
Debt€21,467-€19,491▼ 9.2%€17,643▼ 9.5%€11,531▼ 34.6%
Working capital€5,406-€2,677▼ 50.5%€5,566▲ 108%-€781
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €32,505
Fixed assets
€25,147 ▼ 9.6%
Current assets
€7,358 ▼ 46.8%
Equity and liabilities €32,505
Equity
€20,974 ▼ 12.6%
Debt
€11,531 ▼ 34.6%
Debt's share of the balance-sheet total falls from 42.4% to 35.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€10,531▼
2024 · €14,188
Cash flow
€8,348▼
2024 · €11,409
Current ratio
0.90▼
2024 · 1.67
Debt to equity
0.55▼
2024 · 0.73
ROE
13.6%▼
2024 · 28.4%
ROA
8.8%▼
2024 · 16.3%
Interest coverage
24.50▲
2024 · 20.34
Debt ≤ 1 year
€8,139▼
2024 · €8,265
Debt > 1 year
€3,392▼
2024 · €9,379
Income taxes
€1,753▼
2024 · €2,081
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,066 | €3,811 | €4,604 | €5,497 | ▲ 19.4% |
| Other operating charges640/8 | €395 | €1,285 | €844 | €856 | ▲ 1.4% |
| Gross operating margin9900 | €21,921 | €5,936 | €15,031 | €11,387 | ▼ 24.2% |
| Operating profit (loss)9901 | €19,460 | €841 | €9,584 | €5,034 | ▼ 47.5% |
| Financial income75/76B | €0 | €0 | €0 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | €0 | €0 | €0 | ▼ 100% |
| Financial charges65/66B | €626 | €314 | €698 | €430 | ▼ 38.4% |
| Recurring financial charges65 | €626 | €314 | €698 | €430 | ▼ 38.4% |
| Profit (loss) for the period before taxes9903 | €18,834 | €527 | €8,886 | €4,604 | ▼ 48.2% |
| Income taxes67/77 | €2,590 | €1,567 | €2,081 | €1,753 | ▼ 15.7% |
| Profit (loss) for the period9904 | €16,244 | -€1,041 | €6,806 | €2,851 | ▼ 58.1% |
| Profit (loss) for the period to be appropriated9905 | €16,244 | -€1,041 | €6,806 | €2,851 | ▼ 58.1% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €39,711 | €36,691 | €41,649 | €32,505 | ▼ 22.0% |
| Fixed assets21/28 | €26,777 | €24,423 | €27,818 | €25,147 | ▼ 9.6% |
| Tangible fixed assets22/27 | €26,722 | €24,368 | €27,763 | €25,092 | ▼ 9.6% |
| Plant, machinery and equipment23 | €26,168 | €22,903 | €26,997 | €24,469 | ▼ 9.4% |
| Furniture and vehicles24 | €555 | €1,465 | €766 | €623 | ▼ 18.6% |
| Financial fixed assets28 | €55 | €55 | €55 | €55 | = |
| Current assets29/58 | €12,934 | €12,268 | €13,831 | €7,358 | ▼ 46.8% |
| Stocks and contracts in progress3 | - | €2,513 | €0 | - | - |
| Stocks30/36 | - | €2,513 | €0 | - | - |
| Amounts receivable within one year40/41 | €12,727 | €8,181 | €13,831 | €1,961 | ▼ 85.8% |
| Trade receivables40 | €11,732 | €7,000 | €12,160 | €0 | ▼ 100% |
| Other amounts receivable41 | €995 | €1,181 | €1,671 | €1,961 | ▲ 17.4% |
| Cash at bank and in hand54/58 | €207 | €1,574 | €0 | €5,397 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €39,711 | €36,691 | €41,649 | €32,505 | ▼ 22.0% |
| Equity10/15 | €18,244 | €17,200 | €24,006 | €20,974 | ▼ 12.6% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €16,000 | €16,000 | €16,000 | €16,000 | = |
| Distributable reserves133 | €16,000 | €16,000 | €16,000 | €16,000 | = |
| Profit (loss) carried forward14 | €244 | -€800 | €6,006 | €2,974 | ▼ 50.5% |
| Amounts payable17/49 | €21,467 | €19,491 | €17,643 | €11,531 | ▼ 34.6% |
| Amounts payable after more than one year17 | €13,940 | €9,900 | €9,379 | €3,392 | ▼ 63.8% |
| Financial debts170/4 | €13,940 | €9,900 | €9,379 | €3,392 | ▼ 63.8% |
| Amounts payable within one year42/48 | €7,527 | €9,591 | €8,265 | €8,139 | ▼ 1.5% |
| Current portion of amounts payable after more than one year42 | €3,985 | €4,040 | €5,863 | €5,987 | ▲ 2.1% |
| Financial debts43 | - | - | €149 | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | €149 | €0 | ▼ 100% |
| Trade debts44 | €539 | €1,356 | €718 | €489 | ▼ 31.9% |
| Suppliers440/4 | €539 | €1,356 | €718 | €489 | ▼ 31.9% |
| Taxes, remuneration and social security45 | €2,768 | €3,335 | €178 | €1,064 | ▲ 497% |
| Taxes450/3 | €2,590 | €3,157 | €0 | €886 | - |
| Remuneration and social security454/9 | €178 | €178 | €178 | €178 | = |
| Other amounts payable47/48 | €236 | €860 | €1,356 | €599 | ▼ 55.8% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,244 | -€1,041 | €6,806 | €2,851 | ▼ 58.1% |
| + Depreciation and write-downs630 | €2,066 | €3,811 | €4,604 | €5,497 | ▲ 19.4% |
| Operating cash flow (approximation) | €18,310 | €2,771 | €11,409 | €8,348 | ▼ 26.8% |
| Investment in fixed assets (approximation) | - | -€1,456 | -€8,000 | -€2,826 | ▲ 64.7% |
| Change in cash | - | €1,367 | -€1,574 | €5,397 | ▲ 443% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €6,806
Net result €6,806 after one loss-making year.
03-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet -€1,041
Net result drops to -€1,041, the lowest in the series; recovery starts the following year.
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
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.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Wetteren · 1 establishment unit since 2021
Ground area
358 m²
Building footprint
78 m²
Volume, LiDAR
3 m³
Parcel 42303F0358/00H004, Flanders · tallest building 1.6 m. Linked by address, not a title deed.
1 establishment unit
Serskampsteenweg 131, 9230 Wetteren
since 20212.324.048.635
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42303F0358/00H004 | Flanders | 358 m² | 1 · 78 m² | 1.6 m |
Linked by address, not proof of ownership
Good to know
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
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Of 7,299 companies in sector 43350 we hold annual accounts for 2,360. 1,783 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-11-2021
Fiscal year end30-09
Activities, NACEBEL 2025
43350Other building finishing work
43120Site preparation
43230Insulation installation
81220Other building cleaning and industrial cleaning
Contact
E-mail
peeters3.tim@gmail.com
Scores and ratios are computed by Checked and are not a credit decision.