R.T.A. CONSTRUCT
ActiveR.T.A. CONSTRUCT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €924k and a net result of €330k. Equity is growing by ~24.6% per year across the filed fiscal years. Its solvency ranks better than 45% of 2154 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-12
Solvency58▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.71 in 2024; short-term debt: 48.6% and cash: 22.1% of total assets), and 66.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
33.3%
Return on assets
11.9%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
28 d late
2023
on the day
2022
31 d late
2021
75 d late
2020
30 d late
2019
64 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€924k▲ 10.8%
2024 · €834k
2018: €100k
2019: €136k
2020: €273k
2021: €472k
2022: €543k
2023: €639k
2024: €834k
2018 → 2025
Total assets
€2.77M▲ 39.6%
2024 · €1.98M
2018: €1.16M
2019: €945k
2020: €1.09M
2021: €1.92M
2022: €1.70M
2023: €2.10M
2024: €1.98M
2018 → 2025
Net result
€330k▼ 23.5%
2024 · €432k
2018: €76k
2019: €126k
2020: €137k
2021: €449k
2022: €196k
2023: €345k
2024: €432k
2018 → 2025
Working capital
€643k▲ 25.2%
2024 · €513k
2018: €302k
2019: €39k
2020: €18k
2021: €218k
2022: €248k
2023: €228k
2024: €513k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€472k-€543k▲ 15.0%€639k▲ 17.5%€834k▲ 30.6%€924k▲ 10.8%
Operating result€564k-€244k▼ 56.8%€406k▲ 66.5%€561k▲ 38.3%€410k▼ 27.0%
Net result€449k-€196k▼ 56.3%€345k▲ 76.0%€432k▲ 25.0%€330k▼ 23.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.77M
Fixed assets
€782k▲ 4.0%
Current assets
€1.99M▲ 61.4%
Equity and liabilities €2.77M
Equity
€924k▲ 10.8%
Debt
€1.85M▲ 60.5%
The debt ratio rises from 58.0% to 66.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€628k▼
2024 · €763k
Cash flow
€549k▼
2024 · €633k
Solvency
33.3%▼
2024 · 42.0%
Current ratio
1.48▼
2024 · 1.71
Quick ratio
1.48▼
2024 · 1.71
Debt / equity
2.00▲
2024 · 1.38
ROE
35.7%▼
2024 · 51.8%
ROA
11.9%▼
2024 · 21.7%
Interest coverage
24.69▼
2024 · 28.57
Debt
€1.85M▲
2024 · €1.15M
Debt ≤ 1 year
€1.35M▲
2024 · €720k
Debt > 1 year
€499k▲
2024 · €430k
Income taxes
€54k▼
2024 · €106k
Staff costs
€338k▲
2024 · €256k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.98M€2.77M▲
Fixed assets21/28€752k€782k▲
Tangible fixed assets22/27€751k€781k▲
Land and buildings22€309k€293k▼
Plant, machinery and equipment23€101k€80k▼
Furniture and vehicles24€142k€87k▼
Leasing and similar rights25€199k€322k▲
Financial fixed assets28€500€500=
Current assets29/58€1.23M€1.99M▲
Amounts receivable within one year40/41€796k€1.06M▲
Trade receivables40€217k€339k▲
Other amounts receivable41€579k€726k▲
Current investments50/53-€255k
Cash at bank and in hand54/58€385k€613k▲
Deferred charges and accrued income490/1€52k€57k▲
Equity and liabilities
Total equity and liabilities10/49€1.98M€2.77M▲
Equity10/15€834k€924k▲
Contributions10/11€19k€19k=
Reserves13€736k€826k▲
Distributable reserves133€736k€826k▲
Profit (loss) carried forward14€80k€80k=
Amounts payable17/49€1.15M€1.85M▲
Amounts payable after more than one year17€430k€499k▲
Financial debts170/4€430k€499k▲
Amounts payable within one year42/48€720k€1.35M▲
Current portion of amounts payable after more than one year42€182k€147k▼
Trade debts44€256k€822k▲
Suppliers440/4€256k€822k▲
Taxes, remuneration and social security45€46k€133k▲
Taxes450/3€33k€67k▲
Remuneration and social security454/9€13k€66k▲
Other amounts payable47/48€236k€245k▲
Accrued charges and deferred income492/3€895€895=
Income statement
Code20242025
Non-recurring operating income76A€116k-
Remuneration, social security and pensions62€256k€338k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€201k€219k▲
Other operating charges640/8€9k€7k▼
Gross operating margin9900€1.03M€973k▼
Operating profit (loss)9901€561k€410k▼
Financial income75/76B€3k€565▼
Recurring financial income75€3k€565▼
Financial charges65/66B€27k€25k▼
Recurring financial charges65€27k€25k▼
Profit (loss) for the period before taxes9903€537k€385k▼
Income taxes67/77€106k€54k▼
Profit (loss) for the period9904€432k€330k▼
Profit (loss) for the period to be appropriated9905€432k€330k▼
Appropriation of the result
Profit (loss) to be appropriated9906€511k€410k▼
Profit (loss) brought forward from the previous period14P€80k€80k=
Transfer from equity791/2€36k-
Transfer to equity691/2€232k€90k▼
To other reserves6921€232k€90k▼
Profit to be distributed694/7€236k€240k▲
Return on contributions (dividend)694€36k-
Directors or managers695€200k€240k▲
Social balance
Average headcount (FTE)90875.76.1▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Equity above €500kEq €543k ▲15%
5 profitable years in a row build equity to €543k.
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 75 days late
2021
31-12
Financial
Highest result since 2018net €449k ▲228%
Operating result €564k, net result €449k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Equity above €200kEq €273k ▲100%
3 profitable years in a row build equity to €273k.
28-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are 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, Ham · 1 establishment unit since 2009
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.
Zandstraat 63945 HamGround area
540 m²
Building footprint
287 m²
Volume, LiDAR
1,190 m³
Parcel 71033B0533/00F002, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
R.T.A. CONSTRUCT
since 20092.183.678.747
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71033B0533/00F002 | Flanders | 540 m² | 1 · 287 m² | 9.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 8,577 EUR awarded · 8,577 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 2,065 EUR | 2,065 EUR |
| 2024 | 2 | 1,450 EUR | 1,450 EUR |
| 2023 | 2 | 1,027 EUR | 1,027 EUR |
| 2022 | 3 | 4,035 EUR | 4,035 EUR |
Schemes
Subsidies ecologisch en veilig transport (stopgezet)
Premie kwalificerend werkplekleren
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Stagebonus (stopgezet)
Show 1 more
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Dual-learning approval
2 live approvals · 5 endedMetselaar (vwo)
Ruwbouw duaal (so)
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OLYSLAEGERS DIRK
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VERCRUYSSE MARC
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POLIDON IMMOBILIERE
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 6,727 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2009
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
01610Support activities for crop production
43120Site preparation
43910Bricklaying and masonry work
43990Other specialised construction activities
68201Renting and operating of own or leased residential real estate, excluding social housing
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.