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RLD CONSTRUCT

Active Private limited companyfounded 2021active for 5 yearsWatermolenstraat 11, 1742 TernatKBO/BCE: BE 0762.814.532

Overview

Lifetime

5 annual accounts with figures on one time axis
peak €24,379 (2021)
€16,948▲ 9.6%
lowest -€11,873 (2022)
€5,431▼ 2.5%
peak €15,780 (2025)
€15,780▲ 52.5%
€31,427▲ 181%
Board1 name since 2021
Documentsfilings and deeds
10-08-202610 days late
2025micro format
Equity from €10,349 to €15,780Debts from €11,202 to €31,427Investments €16,688Cash from €7,289 to €16,677

Key points

from the 2025 annual accounts

Investments

€19,056 6.4 × depreciation
2021202220242025

Green is investment, beige is depreciation.

Liquidity

0.99 was 1.76 in 2024

Short-term debts rose from €10,802 to €31,427.

Filings

5 annual accounts 3 late
AprilJune31 JulyOctober20222024

The 2023 accounts came latest: 33 days after the end of the period.

Checked score

54
Fair
Financially stronger than 54% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.1% Moderate
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 1.7% 01-2025: 1.7%● unchanged vs 12-2024 02-2025: 1.7%● unchanged vs 01-2025 03-2025: 1.7%● unchanged vs 02-2025 04-2025: 1.7%● unchanged vs 03-2025 05-2025: 1.8%▲ +0.1 percentage points vs 04-2025 06-2025: 1.9%▲ +0.1 percentage points vs 05-2025 07-2025: 2.0%▲ +0.1 percentage points vs 06-2025 08-2025: 2.4%▲ +0.4 percentage points vs 07-2025highest value 09-2025: 1.7%▼ -0.7 percentage points vs 08-2025 10-2025: 1.7%● unchanged vs 09-2025 11-2025: 1.7%● unchanged vs 10-2025 12-2025: 1.7%● unchanged vs 11-2025 01-2026: 1.6%▼ -0.1 percentage points vs 12-2025 02-2026: 1.6%● unchanged vs 01-2026 03-2026: 1.5%▼ -0.1 percentage points vs 02-2026 04-2026: 1.5%● unchanged vs 03-2026 05-2026: 1.5%● unchanged vs 04-2026lowest value 06-2026: 1.6%▲ +0.1 percentage points vs 05-2026 07-2026: 1.6%● unchanged vs 06-2026 08-2026: 2.1%▲ +0.5 percentage points vs 07-2026 09-2026: 2.2%▲ +0.1 percentage points vs 08-2026 10-2026: 2.1%▼ -0.1 percentage points vs 09-2026 11-2026: 2.1%● unchanged vs 10-2026

Financial strength
Average

58-15equity 33.4% of total assets
59-8short-term debt 66.6% · cash 35.3%
56-18return on assets 11.5%

Score breakdown

raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Founded in 2021
Last filed accounts filed 10 days late; 1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 0.99, cash €16,677
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 40% of them on solvency, 64% on liquidity, 31% on profitability and 80% on growth.

The bankruptcy probability was computed on 10-11-2026 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 moderate class on 30-06-2025, 2.4% 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, 26,972 companies had the same profile as RLD CONSTRUCT has now. Each dot stands for 68 companies, two years later.

94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of RLD CONSTRUCT itself is higher: 2.1% within 12 months. It rests on far more data about RLD CONSTRUCT than the profile alone.

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.

The companies in ten equal groups, from the lowest to the highest expected share
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 26,972 companies, not a prediction for RLD 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 €500 on 30-day terms is acceptable

Liquidity is insufficient, with a current ratio of 0.99 (1.76 in 2024), below 1. Short-term debt is 66.6% and cash 35.3% of total assets. 66.6% 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 risk
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Founded in 2021
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Liquidity: current ratio 0.99, cash €16,677
NBB · annual accounts
raises risk · Last filed accounts filed 10 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · 2025 accounts filed 10 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filings
Deviation from the deadline
2025
10 days late
2024
18 days late
2023
33 days late
2022
3 days early
2021
19 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 8 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 10 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

DS
Director, since 29-01-2021
  • DA SILVA DE BRITO Rui Manuel founderdeed of 04-02-2021
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0762814532
Incorporation Founder: DA SILVA DE BRITO Rui Manuel (comparant) · 100 shares · Appointment: DA SILVA DE BRITO Rui Manuel (director) · published on 04-02-2021 · Gazette deed
First establishment Watermolenstraat 11, Ternat
All 11 events

Comparable companies

same main activity, similar in size and age
Company
RLD CONSTRUCT Ternat €47,207 €16,948 33.4% -
WJP CONSTRUCT Zaventem €47,742 €17,602 89.8% -
PACOVIS Drogenbos €46,613 €15,737 92.3% -
VITAL PROJECT Beersel €45,955 €18,633 65.1% -
WESARTS Grimbergen €43,716 €14,987 59.2% -
CORESTI Drogenbos €53,848 €15,846 44.1% -
TECHNO INSTAL Wezembeek-Oppem €49,665 €14,497 42.0% -

These companies have the same main activity as RLD CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €43,700 and €53,800, founded between 2020 and 2021.

Official details

Source: KBO
Status
Active since 02-02-2021Normal situation
Activity
General construction of residential buildingsNACE 41001and 2 others
Establishment unit
2.313.071.5021742 Ternat, since 02-02-2021
Financial year end
31 December
Peppol
Reachable since 10-12-2025
Company details

Annual accounts 2025

€16,948▲ 9.6%
≈ €200,000estimated
€5,431▼ 2.5%
€15,780▲ 52.5%
€47,207▲ 119%
Filing
Filed on 10-08-2026
Financials

Insights on RLD CONSTRUCT

RLD CONSTRUCT files the micro format. That format states no turnover. The gross margin fell from €24,379 in 2021 to €16,948 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 10-08-2026, 10 days late
€16,948
▲ 9.6%
€12,758
▲ 3.1%
€5,431
▼ 2.5%
-€448
▼ €8,673
33.4%
▼ 14.6 percentage points
0.99
▼ 0.78

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 ≈ €200,000. Estimated: probably between €110,000 and €370,000.

Amounts without an identifiable currency are taken as euros.

Balance sheet

balance sheet total €47,207 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

33.4%

Higher than 40% of 9,462 companies in 2025.

0.99

Higher than 21% of 9,210 companies in 2025.

11.5%

Higher than 61% of 9,282 companies in 2025.

RLD CONSTRUCT Middle half of the sector 80% of the sector Micro accounts in construction of buildings (NACE 41)

Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: bottom quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021
Balance sheet: assets
20/58 47,20721,5525,2497,86222,912
21/28 16,2282,5243,0235,49120,550
22/27 16,2282,5243,0235,49120,550
23 977----
24 15,2512,5243,0235,49120,550
29/58 30,97919,0282,2262,3702,362
40/41 14,30211,7391,3392,1871,066
40 12,1579,662---
41 2,1452,0761,3392,1871,066
54/58 16,6777,2898871831,296
Balance sheet: equity and liabilities
10/49 47,20721,5525,2497,86222,912
10/15 15,78010,3494,7793,69315,566
10/11 1,0001,0001,0001,0001,000
14 14,7809,3493,7792,69314,566
17/49 31,42711,2024704,1697,346
42/48 31,42710,8024704,1697,346
44 4,8251,5884704973,695
440/4 4,8251,5884704973,695
45 4,5512,842-3,6513,651
450/3 1,8512,042-3,6513,651
454/9 2,700800---
47/48 22,0516,372-20-
492/3 -400---
Income statement
9900 16,94815,4588,5172,40824,379
630 2,9842,7312,4682,3133,450
640/8 1,2053503048,952168
9901 12,75812,3775,745-8,85720,761
75/76B 00-95-
75 00-95-
65/66B 5,7665,2334,6583,1112,543
65 5,7665,2334,6583,1112,543
9903 6,9937,1441,086-11,87318,217
67/77 1,5621,574--3,651
9904 5,4315,5701,086-11,87314,566
9905 5,4315,5701,086-11,87314,566
Appropriation of the result
9906 14,7809,3493,7792,69314,566
14P 9,3493,7792,69314,566-
Document PDFPDFPDFPDFPDF

The notes to these accounts have 7 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 10-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 10 days after the deadline. Filed on 10 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00389413.

Financial year Type Filed Reference Document
31-12-2025 micro format 10-08-2026 2026-00389413 PDF
31-12-2024 micro format 18-08-2025 2025-00379416 PDF
31-12-2023 micro format 02-09-2024 2024-00429809 PDF
31-12-2022 micro format 28-07-2023 2023-00285498 PDF
31-12-2021 micro format 12-07-2022 2022-20173755 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021
15,74215,1088,213-6,54424,211
8,4148,3013,554-9,56018,016
19,0562,23101,40424,000
9,3886,402704-1,113-
-4488,2251,756-1,798-4,984
33.4%48.0%91.0%47.0%67.9%
0.991.764.740.570.32
1.991.080.101.130.47
34.4%53.8%22.7%-321.5%93.6%
11.5%25.8%20.7%-151.0%63.6%
2.732.891.76-2.109.52

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
Item20252024202320222021
Tangible fixed assets€19,056€2,231-€1,404€24,000
€2,984€2,731€2,468€2,313€3,450

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on RLD CONSTRUCT

The operating result for 2025 is 3% higher than in 2024 and the highest since 2021. It is the third rise in a row, after the fall in 2022.

Debt's share of the balance-sheet total rises from 52.0% to 66.6%. Equity and debt are higher.

Board & ownership

Board

1 director, since incorporation
Director
since 29-01-2021 term without a fixed end
listed in the 2025 annual accounts, filed on 10-08-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 04-02-2021

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
Board
Mandates as a list
  • DA SILVA DE BRITO Rui Manuel
    • Director, from 29-01-2021 to date

See the board, name and registered office on a given date →

Control

This company
RLD CONSTRUCT
Equity €15,780
Profit €5,431 in 2025

Capital

Contribution
€1,000
Shares
100
Contribution per share
€10
Equity per share
€158 in 2025
Source
2025 annual accounts

Articles of association

deed of 04-02-2021 (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.
“Bestuursorgaan, algemene vergadering bepaalt aantal,duur van opdracht en,indien meerdere,bevoegdheid”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Thursday of May at 18:00
Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor

Founder

At incorporation deed of 04-02-2021 ↗

Network & group

No group

RLD CONSTRUCT has no parent and no holdings in its annual accounts. DA SILVA DE BRITO Rui Manuel is the only director. RLD CONSTRUCT shares no director with another company.

At the same address

Watermolenstraat 11, 1742 Ternat · 1 other company
Ronsmans, Roland (sole trader)
establishment since 20-05-2008
founded in 2008
0898.022.634

Timeline

Timeline

11 events since 2021

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 10 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0762814532
Annual accounts 2024 filed PDFmicro format · 18 days late
2024
Annual accounts 2023 filed PDFmicro format · 33 days late
2023
Back to profit net €1,086 The net result is €1,086, after one loss-making year.
Liquidity more than 8 times current ratio 4.74 The current ratio rises from 0.57 to 4.74. Short-term debt falls from €4,169 to €470.
Annual accounts 2022 filed PDFmicro format · 3 days before the deadline
2022
Weakest financial year net -€11,873 The net result drops to -€11,873, the lowest from 2021 to 2025. It recovers the following year.
Annual accounts 2021 filed PDFmicro format · 19 days before the deadline
2021
IncorporationFounder: DA SILVA DE BRITO Rui Manuel (comparant) · 100 shares · Appointment: DA SILVA DE BRITO Rui Manuel (director) · published on 04-02-20214 points ▸

Open the deed in the Belgian Official Gazette

First establishment Watermolenstraat 11, Ternat

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 2 February 2021, RLD CONSTRUCT was incorporated as a private limited company by one natural person.12 DA SILVA DE BRITO Rui Manuel has served as director since 2021.3 Total assets went from €22,912 in 2021 to €47,207 in 2025.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 04-02-2021
  3. 3National Bank, annual accounts 2025
  4. 4National Bank, annual accounts 2021 and 2025

Company details

Identity

Enterprise number
0762.814.532
VAT number
BE 0762.814.532
Peppol ID
0208:0762814532
Other Peppol ID
9925:BE0762814532
Legal form
Private limited company
Status
Active, normal situation
Founded
02-02-2021
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Thursday of May at 18:00
deed of 04-02-2021 (in Dutch)
Peppol
Reachable since 10-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
RLD CONSTRUCT in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 04-02-2021 (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.
“Watermolenstraat 11, 1742 Ternat”
deed of 04-02-2021 (in Dutch)

Activities

NACEBEL 2025
Codes under NACEBEL 2008
41201 General construction of buildings main activity
43994 Specialised construction activities
43995 Specialised construction activities
43999 Specialised construction activities
PurposeThe purpose describes the activities the company may carry out under its articles.
“De algemene bouwonderneming in de ruimste zin,zowel qua ruwbouw als oplevering;Naast het verwarmingsbedrijf,elektriciteit,renovatie van…”
16 activities
  1. De algemene bouwonderneming in de ruimste zin,zowel qua ruwbouw als oplevering;Naast het verwarmingsbedrijf,elektriciteit,renovatie van binnen en buiten,betegeling en afdekking,bestrating,asfalt,grondwerken,aanleg van wegen en snelwegen,kan het ook de studie,productie,aankoop,verkoop,l,export,distributie,installatie en in het algemeen de handel in bouwmaterialen,timmerman-timmerman aannemer,plafond,cementering,dekvloer,timmerwerk,(plaatsing / reparatie) en beglazing,algemeen timmerwerk,vervaardiging van timmerwerk en timmerwerk,
  2. Metaalschrijnwerk,Hout- of kunststofschrijnwerk,Overige gespecialiseerde bouwwerkzaamheden en al wat direct of indirect verband houdt;
  3. Alle activiteiten inzake de informatica en telecomsector,inhoudende het onderzoek,de ontwikkeling,de fabricatie,de aan- en verkoop,de huur en verhuur,de import,export en stockage,de distributie en commercialisatie van hard- en software en alle mogelijke telecommunicatieapparatuur en hun toebehoren,het verstrekken van opleidingen,adviezen,cursussen en demonstraties dienaangaande,de herstelling,de support,de serviceverlening en de consultancy in het algemeen;
  4. Verbruiksalon,restauranthouder,snack bar,spijsbuis,frituur,meeneemrestaurant,bereiding en verkoop van bereide schotels,pizza's,pita's,belegde broodjes,hamburgers,hot dogs,croissants,lichte maaltijden met bediening,traiteur,restaurateur,aannemer van feesten,drinkgelegenheid,café,herberg,bar en taverne,tearoom,dancing;
  5. Groot -en kleinhandel in,in- en uitvoer van algemene voedingswaren,vlees waren en geslacht vlees alle soorten en huishoudelijke artikelen;
  6. Slachten van gevogelte en andere dieren,wild en vlees- en viswaren,slagerij,beenhouwerij en de verkoop ervan;
  7. Elektrische apparaten en artikelen voor huishouding en verlichting;
  8. Radio,elektrische toestellen en materieel;
  9. Tapijten,textiel.fantasieartikelen,breigoed.huishoudlinnen,mercerie waren borduur en kantwerk,garens en kledingstukken,herenconfectie,kinderkleding„uitzet voor dames en meisjes,babyuitzet en beroepskledij,mode artikelen,marokijnwaren en reisartikelen,food en non food goederen;
  10. Producten van brood en banket en suikerbakkerij;
  11. Nieuwe en tweedehands auto's en voertuigen,auto onderdelen,depannage,carrosseriebedrijf,uitbaten van een garage;
  12. Het ter beschikking stellen van zalen voor huwelijks- en verlovingsfeesten en andere activiteiten;
  13. Leurhandel in allerhande goederen;
  14. Weddingschappen,pronostieken en speelautomaten;
  15. Organiseren van busreizen alsmede bezoldigd en onbezoldigd personen- en goederenvervoer;
  16. Het reinigen,opkuisen,onderhouden van gebouwen,burelen,enz.
deed of 04-02-2021 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Watermolenstraat 11 registered office 1742 Ternat 02-02-2021 2.313.071.502

Buildings and parcels at the address

Ground area
435 m²
Buildings
116 m²
Volume, LiDAR
629 m³
Tallest building
8.8 m
Buildings to scale, each on its own parcel
116 m², 8.8 m 116 m², 8.8 m

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
23071C0686/00N000435 m² 1 · 116 m² 8.8 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 0762.814.532