Turnover
≈ €490,000 estimated
The micro format states no turnover.
RBG Construct
Lifetime
1 annual account with figurespeak €148,116 (2025)
€148,116
peak €105,548 (2025)
€105,548
peak €115,548 (2025)
€115,548
€61,965
Board1 name since 2024
1 directorGOVAERTS Bram
Documentsfilings and deeds
18-07-202613 days before the deadline
2025micro format
Registered office moved from Zemst to Hofstade 05-02First year with figures
Key points
from the 2025 annual accountsStarting capital
€10,000 100 shares
Position in the sector
€105,548
Higher net result than 95% of companies in construction of buildings. Sector median €8,551 · 9,446 companies.
Checked score
69
Healthy
Financially stronger than 87% of micro companies in construction of buildings (NACE 41)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
10-2025: 6.5%
11-2025: 6.5%● unchanged vs 10-2025
12-2025: 6.7%▲ +0.2 percentage points vs 11-2025
01-2026: 6.9%▲ +0.2 percentage points vs 12-2025
02-2026: 7.1%▲ +0.2 percentage points vs 01-2026
03-2026: 7.6%▲ +0.5 percentage points vs 02-2026
04-2026: 7.6%● unchanged vs 03-2026
05-2026: 7.9%▲ +0.3 percentage points vs 04-2026highest value
06-2026: 7.7%▼ -0.2 percentage points vs 05-2026
07-2026: 7.7%● unchanged vs 06-2026
08-2026: 1.0%▼ -6.7 percentage points vs 07-2026lowest value
09-2026: 1.0%● unchanged vs 08-2026
10-2026: 1.0%● unchanged vs 09-2026
11-2026: 1.0%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Sector: Construction of residential and non-residential buildings (NACE 41)
1 change of registered office in 24 months
lowers risk
Liquidity: current ratio 3.57, cash €100,570
Calculation
The band follows from the bankruptcy probability. 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). It does better than 74% of them on solvency, 94% on liquidity and 91% on profitability.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as RBG Construct has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RBG Construct itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for RBG Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €7,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 3.57, above the usual 1.5. Short-term debt is 17.5% and cash 56.7% of total assets. 34.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 18-07-2026, 13 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
13 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered office moved from Zemst to Hofstade
New registered office: Muizenstraat 179, 1981 Hofstade · Previous registered office: Heuvelstraat 65, 1981 Zemst · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1013813712
Incorporation
Founding capital of €10,000, 100 shares · Founder: GOVAERTS Bram · Appointment: GOVAERTS Bram (director) · published on 23-09-2024 · Gazette deed
First establishment
Muizenstraat 179, Zemst
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RBG Construct Zemst | - | - | 65.1% | - |
| AGN RENO PRO Ternat | - | - | 56.3% | - |
| AD MIR CONFORT Grimbergen | - | - | 61.6% | - |
| TOP DECO Wezembeek-Oppem | - | - | 32.2% | - |
| SDD COMPANY Vilvoorde | - | - | 78.1% | - |
| ST CONSTRUCTS Kraainem | €385,710 | 25.7% | 53.0% | - |
| ZLATO RENOVATION Zaventem | €783,038 | 21.1% | 78.6% | - |
These companies have the same main activity as RBG Construct: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €146,000 and €214,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 19-09-2024Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 3 others
- Establishment unit
- 2.365.344.6041981 Zemst, since 19-09-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 30-01-2025
Annual accounts 2025
- €177,513
- Filing
- Filed on 18-07-2026, 13 days before the end of the filing period
Insights on RBG Construct
RBG Construct has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115,548 and a net result of €105,548.
Its solvency ranks better than 74% of 9,456 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RBG Construct
- What is the company number of RBG Construct?
- The company number of RBG Construct is 1013.813.712. The VAT number is the same number with BE in front: BE 1013.813.712.
- Where is RBG Construct based?
- The registered office is at Muizenstraat 179, 1981 Zemst.Company details
- What does RBG Construct do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of RBG Construct?
- RBG Construct is a private limited company (BV).
- When was RBG Construct founded?
- RBG Construct was founded on 19-09-2024.
- Is RBG Construct still active?
- Yes, RBG Construct is an active enterprise in the KBO register.
- What is the turnover of RBG Construct?
- The turnover in financial year 2025 is ≈ €490,000. This figure is estimated from the gross margin of €148,116 and 97 comparable companies (NACE 41001). It probably lies between €350,000 and €750,000.Financials
- Is RBG Construct profitable?
- In financial year 2025, RBG Construct made a profit of €105,548.
- Where can I find the annual accounts of RBG Construct?
- RBG Construct filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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