Turnover
≈ €490,000 estimated
The micro format states no turnover.
RBG Construct
Overview
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.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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
- €148,116
- €105,548
- €115,548
- €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.
Financials
Annual accounts 2025
micro format, filed on 18-07-2026, 13 days before the deadline€148,116
€134,678
€105,548
€79,905
65.1%
3.57
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €490,000. Estimated: probably between €350,000 and €750,000.
Balance sheet
balance sheet total €177,513 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
65.1%
Higher than 74% of 9,456 companies in 2025.
3.57
Higher than 80% of 9,204 companies in 2025.
59.5%
Higher than 95% of 9,276 companies in 2025.
RBG Construct
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: top quarter · Equity: top quarter · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
177,513 | |
21/28 |
66,547 | |
22/27 |
66,547 | |
23 |
13,366 | |
24 |
53,181 | |
29/58 |
110,966 | |
40/41 |
10,360 | |
40 |
1,297 | |
41 |
9,062 | |
54/58 |
100,570 | |
490/1 |
37 | |
| Balance sheet: equity and liabilities | ||
10/49 |
177,513 | |
10/15 |
115,548 | |
10/11 |
10,000 | |
13 |
105,548 | |
133 |
105,548 | |
17/49 |
61,965 | |
17 |
30,903 | |
170/4 |
30,903 | |
42/48 |
31,061 | |
42 |
9,206 | |
44 |
4,134 | |
440/4 |
4,134 | |
45 |
12,380 | |
450/3 |
12,380 | |
47/48 |
5,342 | |
| Income statement | ||
9900 |
148,116 | |
630 |
12,906 | |
640/8 |
532 | |
9901 |
134,678 | |
75/76B |
2 | |
75 |
2 | |
65/66B |
1,752 | |
65 |
1,752 | |
9903 |
132,928 | |
67/77 |
27,380 | |
9904 |
105,548 | |
9905 |
105,548 | |
| Appropriation of the result | ||
9906 |
105,548 | |
691/2 |
105,548 | |
6921 |
105,548 | |
| Document | ||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 18-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 18-07-2026 | 2026-00324554 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 147,584 | ||
| 118,455 | ||
| 79,453 | ||
| 79,905 | ||
| 65.1% | ||
| 3.57 | ||
| 0.54 | ||
| 91.3% | ||
| 59.5% | ||
| 84.25 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €79,453 |
| €12,906 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on RBG Construct
Debt's share of the balance-sheet total is 34.9%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 23-09-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 18-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 23-09-2024
Mandates through the years
1 name, the dashed line is todayGOVAERTS Bram
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- GOVAERTS Bram
- Director (not named in the articles), appointed by deed of 23-09-2024, still in office
Control
Capital
- Contribution
- €10,000
- Shares
- 100
- Contribution per share
- €100
- Equity per share
- €1,155 in 2025
- Source
- deed of 23-09-2024
Articles of association
deed of 23-09-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 19:00
Shareholders
At incorporation
deed of 23-09-2024 ↗
- GOVAERTS Bram 100 shares (100%) · €10,000 in cash
Network & group
No group
RBG Construct has no parent and no holdings in its annual accounts. GOVAERTS Bram is the only director. RBG Construct shares no director with another company.
Timeline
Timeline
5 events since 2024Filings
Establishments
Address
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 13 days before the deadline
2025
Registered office moved from Zemst to HofstadeNew registered office: Muizenstraat 179, 1981 Hofstade · Previous registered office: Heuvelstraat 65, 1981 Zemst2 points ▸
- Registered-office move, Muizenstraat 179, 1981 Hofstade
- Power of attorney, BV De Vetter Accountants & Belastingconsulenten
- The deed holds 1 more point.
Registered in the Peppol Directory Reachable for e-invoices through 0208:1013813712
2024
IncorporationFounding capital of €10,000, 100 shares · Founder: GOVAERTS Bram · Appointment: GOVAERTS Bram (director) · published on 23-09-20245 points ▸
- Founder, GOVAERTS Bram
- Founding capital, €10,000, 100 shares
- GOVAERTS Bram holds 100 shares
- Director appointment, GOVAERTS Bram (director (not named in the articles))
- Power of attorney, DE VETTER ACCOUNTANTS & BELASTINGSCONSULENTEN
- The deed holds 5 more points.
First establishment Muizenstraat 179, Zemst
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
RBG Construct was incorporated on 19 September 2024 as a private limited company by one natural person, with a starting capital of €10,000.12 The registered office was moved to Hofstade in 2025.3 GOVAERTS Bram is director of the company, appointed by deed of 23-09-2024.2
Company details
Identity
- Enterprise number
- 1013.813.712
- VAT number
- BE 1013.813.712
- Peppol ID
- 0208:1013813712
- Other Peppol ID
- 9925:BE1013813712
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 19-09-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 19:00deed of 23-09-2024 (in Dutch)
- Peppol
- Reachable since 30-01-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- RBG Construct in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 23-09-2024 (in Dutch)
- Name clauseThe company operates under this name according to its articles.
- RBG Constructdeed of 23-09-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”“Heuvelstraat 65, 1981 Zemst (Hofstade)”deed of 23-09-2024 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
Codes under NACEBEL 2008
41201
General construction of buildings main activity
41101
Real estate development
41102
Construction of residential and non-residential buildings
41203
Construction of residential and non-residential buildings
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “De promotie van onroerende goederen, de aan- en verkoop van onroerende goederen, de huur en verhuring van onroerende goederen, het zelf…”deed of 23-09-2024 (in Dutch)
11 activities
- De promotie van onroerende goederen, de aan- en verkoop van onroerende goederen, de huur en verhuring van onroerende goederen, het zelf oprichten of doen oprichten van gebouwen, zowel in België als in het buitenland, zowel voor eigen rekening als voor rekening van derden, projectontwikkeling, verbouwen en renoveren van onroerende goederen, en alle werken dienaangaande;
- Het voeren van activiteit van projectontwikkelaar;
- Het verlenen van bouwkundige adviezen aan de bouwheer;
- Toezicht op bouwwerkzaamheden in de ruimste zin;
- De aanneming, de uitvoering, de uitbesteding van algemene bouwwerken , nieuwbouwwerken, "sleutel op de deur", renovatiewerken, funderingswerken, aannemer van metsel, voeg en betonwerken, grondwerken, afbraakwerken, bekisting- en bewapeningswerken;
- Het uitvoeren van dakwerken en het plaatsen van dakbedekkingen in de meest verscheiden vormen;
- Sloopwerken van gebouwen en andere bouwwerken;
- Alle grondwerken, tuinbouwwerken, tuinaanleg, tuinonderhoud, de aanleg van opritten, klinkerwerken; snoeien en vellen van bomen, plaatsen van omheiningen, uitoefenen van mandaten in andere vennootschappen;
- Verwerven van controle over andere vennootschappen;
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals onder meer erfpachten opstalrechten en de huurfinanciering van onroerende goederen aan derden, het aankopen en verkopen zowel in volle eigendom als in vruchtgebruik en/of blote eigendom, ruilen, doen bouwen, doen verbouwen, onderhouden, verhuren, huren, verkavelen, prospecteren en uitbaten van onroerende goederen, de aan- en verkoop, huur en verhuur van roerende goederen betreffende de inrichting en uitrusting van onroerende goederen, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen;
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend patrimonium, alle verrichtingen met betrekking tot roerende goederen en rechten, van welke aard ook, zoals het verwerven door inschrijving of aankoop en het beheren van aandelen, obligaties, kasbons of andere roerende waarden, van welke vorm ook, van Belgische of buitenlandse, bestaande of nog op te richten rechtspersonen en ondernemingen.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Muizenstraat 179 registered office 1981 Zemst | 19-09-2024 | 2.365.344.604 |
1 former office
- Heuvelstraat 65, 1981 Zemst until 19-12-2024 · deed of 05-02-2025
Buildings and parcels at the address
- Ground area
- 138 m²
- Buildings
- 66 m²
- Volume, LiDAR
- 474 m³
- Tallest building
- 10.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23034A0051/00W002 | 138 m² | 1 · 66 m² | 10.3 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1013.813.712