Raul & Alexandra Construct
ActiveSummary
The computed 12-month bankruptcy probability of Raul & Alexandra Construct is 2.0% (moderate). The 2024 annual accounts show equity of €107k and a net result of €29k. Equity is growing by ~38.3% per year across the filed fiscal years. Its solvency ranks better than 88% of 9982 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability96▼-4
Solvency100▲+11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 5.05 against 2.8 in 2023; short-term debt: 19.6% and cash: 0% of total assets), and 19.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk
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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-03-2026, 224 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
224 d late
2023
92 d late
2022
92 d late
2021
179 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€107k▲ 33.0%
2023 · €81k
2021: €32klowest in 4 years
2022: €54k▲ +72.0% vs 2021
2023: €81k▲ +48.7% vs 2022
2024: €107k▲ +33.0% vs 2023highest in 4 years
2021 → 2024
Total assets
€134k▲ 6.6%
2023 · €125k
2021: €62klowest in 4 years
2022: €95k▲ +54.1% vs 2021
2023: €125k▲ +31.4% vs 2022
2024: €134k▲ +6.6% vs 2023highest in 4 years
2021 → 2024
Net result
€29k▼ 32.5%
2023 · €42k
2021: €40k
2022: €28k▼ -28.6% vs 2021lowest in 4 years
2023: €42k▲ +50.3% vs 2022highest in 4 years
2024: €29k▼ -32.5% vs 2023
2021 → 2024
Working capital
€106k▲ 32.2%
2023 · €80k
2021: €29klowest in 4 years
2022: €54k▲ +87.4% vs 2021
2023: €80k▲ +49.7% vs 2022
2024: €106k▲ +32.2% vs 2023highest in 4 years
2021 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€32k-€54k▲ 72.0%€81k▲ 48.7%€107k▲ 33.0%
2021: €32klowest in 4 years
2022: €54k▲ +72.0% vs 2021
2023: €81k▲ +48.7% vs 2022
2024: €107k▲ +33.0% vs 2023highest in 4 years
Operating result€47k-€32k▼ 30.8%€47k▲ 44.3%€32k▼ 30.4%
2021: €47khighest in 4 years
2022: €32k▼ -30.8% vs 2021lowest in 4 years
2023: €47k▲ +44.3% vs 2022
2024: €32k▼ -30.4% vs 2023
Net result€40k-€28k▼ 28.6%€42k▲ 50.3%€29k▼ 32.5%
2021: €40k
2022: €28k▼ -28.6% vs 2021lowest in 4 years
2023: €42k▲ +50.3% vs 2022highest in 4 years
2024: €29k▼ -32.5% vs 2023
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 2024; 2024 is 30% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €134k
Fixed assets
€1k ▲ 153%
Current assets
€132k ▲ 5.9%
Equity and liabilities €134k
Equity
€107k ▲ 33.0%
Debt
€26k ▼ 41.2%
Debt's share of the balance-sheet total falls from 35.6% to 19.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▼
2023 · €48k
Cash flow
€29k▼
2023 · €44k
Current ratio
5.05▲
2023 · 2.80
Debt to equity
0.24▼
2023 · 0.55
ROE
26.7%▼
2023 · 52.6%
ROA
21.5%▼
2023 · 33.9%
Interest coverage
506.75▲
2023 · 137.56
Debt ≤ 1 year
€26k▼
2023 · €45k
Income taxes
€9k▲
2023 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€125k€134k▲
Fixed assets21/28€573€1k▲
Tangible fixed assets22/27€573€1k▲
Furniture and vehicles24€573€1k▲
Current assets29/58€125k€132k▲
Amounts receivable within one year40/41€125k€132k▲
Trade receivables40€43k€43k▼
Other amounts receivable41€81k€89k▲
Cash at bank and in hand54/58€69€32▼
Equity and liabilities
Total equity and liabilities10/49€125k€134k▲
Equity10/15€81k€107k▲
Contributions10/11€4k€4k=
Capital10€4k-
Issued capital100€4k-
Reserves13€400€400=
Non-distributable reserves130/1€400€400=
Legal reserve130€400-
Reserves not available under the articles1311-€400
Profit (loss) carried forward14€76k€103k▲
Amounts payable17/49€45k€26k▼
Amounts payable within one year42/48€45k€26k▼
Trade debts44€11k-
Suppliers440/4€11k-
Taxes, remuneration and social security45€17k€24k▲
Taxes450/3€17k€17k▼
Remuneration and social security454/9-€7k
Other amounts payable47/48€16k€2k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€411▼
Other operating charges640/8€300€3k▲
Gross operating margin9900€48k€36k▼
Operating profit (loss)9901€47k€32k▼
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€348€65▼
Recurring financial charges65€348€65▼
Profit (loss) for the period before taxes9903€49k€37k▼
Income taxes67/77€7k€9k▲
Profit (loss) for the period9904€42k€29k▼
Profit (loss) for the period to be appropriated9905€42k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€92k€105k▲
Profit (loss) brought forward from the previous period14P€50k€76k▲
Profit to be distributed694/7€16k€2k▼
Directors or managers695€16k€2k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €995 | €2k | €1k | €411 | ▼ 69.6% |
| Other operating charges640/8 | €2k | €298 | €300 | €3k | ▲ 967% |
| Gross operating margin9900 | €49k | €35k | €48k | €36k | ▼ 25.3% |
| Operating profit (loss)9901 | €47k | €32k | €47k | €32k | ▼ 30.4% |
| Financial income75/76B | €578 | €2k | €3k | €5k | ▲ 53.2% |
| Recurring financial income75 | €578 | €2k | €3k | €5k | ▲ 53.2% |
| Financial charges65/66B | €375 | €489 | €348 | €65 | ▼ 81.4% |
| Recurring financial charges65 | €375 | €489 | €348 | €65 | ▼ 81.4% |
| Profit (loss) for the period before taxes9903 | €47k | €34k | €49k | €37k | ▼ 24.6% |
| Income taxes67/77 | €7k | €6k | €7k | €9k | ▲ 23.5% |
| Profit (loss) for the period9904 | €40k | €28k | €42k | €29k | ▼ 32.5% |
| Profit (loss) for the period to be appropriated9905 | €40k | €28k | €42k | €29k | ▼ 32.5% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €62k | €95k | €125k | €134k | ▲ 6.6% |
| Fixed assets21/28 | €3k | €736 | €573 | €1k | ▲ 153% |
| Tangible fixed assets22/27 | €3k | €736 | €573 | €1k | ▲ 153% |
| Plant, machinery and equipment23 | €1k | €306 | - | - | - |
| Furniture and vehicles24 | €2k | €430 | €573 | €1k | ▲ 153% |
| Current assets29/58 | €59k | €95k | €125k | €132k | ▲ 5.9% |
| Amounts receivable within one year40/41 | €59k | €93k | €125k | €132k | ▲ 6.0% |
| Trade receivables40 | €37k | €43k | €43k | €43k | ▼ 1.1% |
| Other amounts receivable41 | €22k | €49k | €81k | €89k | ▲ 9.7% |
| Cash at bank and in hand54/58 | €32 | €59 | €69 | €32 | ▼ 53.7% |
| Deferred charges and accrued income490/1 | - | €2k | - | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €62k | €95k | €125k | €134k | ▲ 6.6% |
| Equity10/15 | €32k | €54k | €81k | €107k | ▲ 33.0% |
| Contributions10/11 | €4k | €4k | €4k | €4k | = |
| Capital10 | €4k | €4k | €4k | - | - |
| Issued capital100 | €4k | €4k | €4k | - | - |
| Reserves13 | €400 | €400 | €400 | €400 | = |
| Non-distributable reserves130/1 | €400 | €400 | €400 | €400 | = |
| Legal reserve130 | €400 | €400 | €400 | - | - |
| Reserves not available under the articles1311 | - | - | - | €400 | - |
| Profit (loss) carried forward14 | €27k | €50k | €76k | €103k | ▲ 34.9% |
| Amounts payable17/49 | €30k | €41k | €45k | €26k | ▼ 41.2% |
| Amounts payable within one year42/48 | €30k | €41k | €45k | €26k | ▼ 41.2% |
| Trade debts44 | €6k | €23k | €11k | - | - |
| Suppliers440/4 | €6k | €23k | €11k | - | - |
| Taxes, remuneration and social security45 | €13k | €13k | €17k | €24k | ▲ 38.6% |
| Taxes450/3 | €7k | €13k | €17k | €17k | ▼ 3.6% |
| Remuneration and social security454/9 | €6k | - | - | €7k | - |
| Other amounts payable47/48 | €12k | €6k | €16k | €2k | ▼ 87.5% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €40k | €28k | €42k | €29k | ▼ 32.5% |
| + Depreciation and write-downs630 | €995 | €2k | €1k | €411 | ▼ 69.6% |
| Operating cash flow (approximation) | €41k | €30k | €44k | €29k | ▼ 33.6% |
| Investment in fixed assets (approximation) | - | €0 | €-1k | €-1k | ▼ 8.3% |
| Change in cash | - | €27 | €10 | €-37 | ▼ 471% |
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
2026
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 224 days late
2024
31-12
Financial
Equity above €100kEq €107k ▲33%
4 profitable years in a row build equity to €107k.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Highest result since 2021net €42k ▲50.3%
Net result €42k, the highest in the series.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 179 days late
2022
31-12
Financial
Weakest financial yearnet €28k ▼28.6%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
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, Anderlecht
Ground area
102 m²
Building footprint
89 m²
Volume, LiDAR
1,255 m³
Parcel 21001A0602/00R007, Brussels · tallest building 18.1 m, ±5 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21001A0602/00R007 | Brussels | 102 m² | 1 · 89 m² | 18.1 m · 5 fl. |
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.
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 13,057 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
Founded02-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43230Insulation installation
Scores and ratios are computed by Checked and are not a credit decision.