TAOCONSTRUCT

Active Private limited companyfounded 2015active for 11 yearsRue A. Brohée (G.) 19, 7011 MonsKBO/BCE: BE 0597.765.765

TAOCONSTRUCT

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Overview

Lifetime

10 annual accounts with figures on one time axis

Compare with

peak €23,417 (2016)

-€559▼ €5,692

lowest -€8,662 (2022)

-€464▼ €4,677

peak €23,977 (2021)

€18,242▼ 2.5%

€8,596▲ 25.5%

peak 0.1 FTE (2017)

-not published

Board2 names since 2021

1 directorTroger Olivier

Documentsfilings and deeds

30-09-202661 days late

2025micro format

Gross margin from €5,133 to -€559Loss of €464Debts from €6,849 to €8,596Cash from €29 to €6

Key points

from the 2025 annual accounts

Filings

10 annual accounts 61 days

Latest accounts filed late: after the legal deadline.

Board

1 joined

New director. Latest change 05-10-2026 · 2 in office.

Turnover not published (micro format)

Checked score

Fair

Financially stronger than 40% of micro companies in construction of buildings (NACE 41)

Probability in this band: 1.5% to 4.2%

Bankruptcy probability within 12 months 2.5% Moderate

0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 1.5% across 13,457 companies (NACE 41, micro).

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

Last 24 months 12-2024: 2.3% 01-2025: 2.3%● unchanged vs 12-2024 02-2025: 2.3%● unchanged vs 01-2025 03-2025: 2.4%▲ +0.1 percentage points vs 02-2025 04-2025: 2.4%● unchanged vs 03-2025 05-2025: 2.3%▼ -0.1 percentage points vs 04-2025 06-2025: 2.3%● unchanged vs 05-2025lowest value 07-2025: 2.3%● unchanged vs 06-2025 08-2025: 2.5%▲ +0.2 percentage points vs 07-2025 09-2025: 2.9%▲ +0.4 percentage points vs 08-2025 10-2025: 4.4%▲ +1.5 percentage points vs 09-2025highest value 11-2025: 3.3%▼ -1.1 percentage points vs 10-2025 12-2025: 3.3%● unchanged vs 11-2025 01-2026: 3.3%● unchanged vs 12-2025 02-2026: 3.3%● unchanged vs 01-2026 03-2026: 3.3%● unchanged vs 02-2026 04-2026: 3.3%● unchanged vs 03-2026 05-2026: 3.1%▼ -0.2 percentage points vs 04-2026 06-2026: 3.0%▼ -0.1 percentage points vs 05-2026 07-2026: 2.9%▼ -0.1 percentage points vs 06-2026 08-2026: 3.6%▲ +0.7 percentage points vs 07-2026 09-2026: 3.8%▲ +0.2 percentage points vs 08-2026 10-2026: 2.5%▼ -1.3 percentage points vs 09-2026 11-2026: 2.5%● unchanged vs 10-2026

Financial strength

Average

93-5equity 68.0% of total assets

37-3short-term debt 30.9% · cash 0.0%

33-46return on assets -1.7%

Score breakdown

raises risk

Last filed accounts filed 61 days late; 2 of the last 3 accounts late

Liquidity: current ratio 3.24, cash €6, halved

Sector: Construction of residential and non-residential buildings (NACE 41)

lowers risk

Founded in 2015

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 77% of them on solvency, 33% on liquidity, 20% on profitability and 32% on growth.

The bankruptcy probability was computed on 06-11-2026 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, 6,908 companies had the same profile as TAOCONSTRUCT has now. Each dot stands for 18 companies, two years later.

90.9%

were still trading

7.8%

stopped another way

1.1%

went bankrupt

Micro
10 to 20 years old
solvency 30% or more
a small loss

Another 0.2% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of TAOCONSTRUCT itself is higher: 2.5% within 12 months. It rests on far more data about TAOCONSTRUCT 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 6,908 companies, not a prediction for TAOCONSTRUCT. 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 ample, with a current ratio of 3.24 (3.73 in 2024), above the usual 1.5. Short-term debt is 30.9% and cash 0% of total assets. 32% 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

Last filed accounts filed 61 days late; 2 of the last 3 accounts late

NBB · filings

Liquidity: current ratio 3.24, cash €6, halved

NBB · annual accounts

Sector: Construction of residential and non-residential buildings (NACE 41)

KBO

Founded in 2015

Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.

KBO

2025 accounts filed 61 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 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 · 10 filings

Deviation from the deadline

2025

61 days late

2024

71 days late

2023

6 days early

2022

59 days late

2021

30 days late

2020

31 days late

2019

87 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 48 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)

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 28 September (4 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

07-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

That holds for every publication since 2021.

KBO publications

Board and ownership

APETREI Bogdan-Ionel

Director

Troger Olivier

Director

Board & ownership

Recent changes

16-10-2026

Appointment: APETREI Bogdan-Ionel (director) General meeting of 05-10-2026 · Gazette deed

21-06-2026

Registered in the Peppol Directory Reachable for e-invoices through 0208:0597765765

06-02-2015

Incorporation published on 10-02-2015 · Gazette deed

06-02-2015

First establishment Rue A. Brohée (G.) 19, Mons

All 17 events

Comparable companies

same main activity, similar in size and age

Company
TAOCONSTRUCT Mons	€26,838	-€559	68.0%	-
BLOC INVEST Mons	€26,731	-€2,087	48.5%	-
CONSULTING & MANAGEMENT COMPANY Enghien	€25,196	-€2,141	90.3%	-
DIAGNOSTIC ET SERVICE EN CONSTRUCTION Woluwe-Saint-Pierre	€27,809	-€12,496	7.5%	-
S.HOME Asse	€28,939	€78	35.3%	-
C.L.E. CONSTRUCTION Crisnée	€26,679	€806	71.3%	-
Jerzy Pajottegem	€23,978	-€6,934	16.3%	-

These companies have the same main activity as TAOCONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €24,000 and €28,900, founded between 2014 and 2016.

Official details

Source: KBO

Status: Active since 06-02-2015Normal situation
Activity: General construction of residential buildingsNACE 41001and 4 others
Establishment unit: 2.254.635.8317011 Mons, since 06-02-2015
Financial year end: 31 December
Peppol: Reachable since 21-06-2026

Company details

Annual accounts 2025

: -€559
: €464
: €18,242▼ 2.5%
: €26,838▲ 5.0%
Filing: Filed on 30-09-2026

Financials

Insights on TAOCONSTRUCT

TAOCONSTRUCT files the micro format. That format states no turnover. The gross margin fell from €23,417 in 2016 to -€559 in 2025.

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

Financials

Annual accounts 2025

micro format, filed on 30-09-2026, 61 days late

-€559

▼ €5,692

-€1,128

▼ €5,800

-€464

▼ €4,677

€18,558

▼ 0.8%

68.0%

▼ 5.2 percentage points

3.24

▼ 0.49

Turnover and EBIT margin are not published. The micro format does not require them.

Balance sheet

balance sheet total €26,838 on 31-12-2025

What the company ownsHow it is paid for

in euro

Position in the sector

Compare with sector

68.0%

Higher than 77% of 9,435 companies in 2025.

3.24

Higher than 77% of 9,183 companies in 2025.

-1.7%

Higher than 22% of 9,255 companies in 2025.

TAOCONSTRUCT 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: middle half

Staff

Staff costs divided by the average number of full-time equivalents.

people who joined people who left

Filed annual accounts

as filed with the National Bank, click a year to choose it

Line	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Balance sheet: assets
`20/58`	26,838	25,555	24,709	22,750	29,468	27,968	85,456	90,603	88,699	51,502
`21/28`	-	-	-	-	125	125	283	436	4,844	5,520
`22/27`	-	-	-	-	-	-	158	312	4,719	5,395
`24`	-	-	-	-	-	-	158	312	4,719	5,395
`28`	-	-	-	-	125	125	125	125	125	125
`29/58`	26,838	25,555	24,709	22,750	29,344	27,844	85,173	90,166	83,856	45,982
`40/41`	26,832	23,030	24,677	22,728	29,316	16,653	85,061	89,308	80,744	41,643
`40`	10,772	7,307	7,357	6,857	9,907	1,505	56,587	65,380	32,237	2,908
`41`	16,059	15,723	17,320	15,871	19,409	15,148	28,475	23,929	48,507	38,736
`54/58`	6	29	32	22	28	11,191	112	858	3,112	4,339
`490/1`	-	2,495	-	-	-	-	-	-	-	-
Balance sheet: equity and liabilities
`10/49`	26,838	25,555	24,709	22,750	29,468	27,968	85,456	90,603	88,699	51,502
`10/15`	18,242	18,706	14,492	15,315	23,977	22,500	18,278	15,513	10,563	7,132
`10/11`	6,200	6,200	6,200	6,200	6,200	6,200	6,200	6,200	6,200	6,200
`100`	-	-	-	-	-	-	18,600	18,600	18,600	18,600
`101`	-	-	-	-	-	-	12,400	12,400	12,400	12,400
`13`	15,200	15,200	15,200	15,200	15,200	13,725	9,525	6,760	1,860	900
`130/1`	1,860	1,860	1,860	1,860	1,860	1,860	-	-	-	-
`130`	-	-	-	-	-	-	1,860	1,860	1,860	900
`1311`	1,860	1,860	1,860	1,860	1,860	1,860	-	-	-	-
`133`	13,340	13,340	13,340	13,340	13,340	11,865	7,665	4,900	-	-
`14`	-3,158	-2,695	-6,909	-6,086	2,576	2,575	2,553	2,553	2,503	32
`17/49`	8,596	6,849	10,217	7,435	5,491	5,469	67,177	75,090	78,137	44,370
`42/48`	8,280	6,849	10,217	7,435	4,724	4,269	67,177	75,090	68,257	44,370
`43`	-	-	-	-	-	-	30,000	-	-	-
`430/8`	-	-	-	-	-	-	30,000	-	-	-
`44`	8,280	5,579	2,155	318	3,948	1,814	9,423	27,209	38,950	19,791
`440/4`	8,280	5,579	2,155	318	3,948	1,814	9,423	27,209	38,950	19,791
`45`	-	1,270	-	776	776	2,454	23,214	10,881	4,981	6,495
`450/3`	-	1,270	-	776	776	1,970	7,092	1,840	1,130	1,985
`454/9`	-	-	-	-	-	484	16,122	9,041	3,851	4,510
`47/48`	-	-	8,063	6,341	-	-	4,541	37,000	24,325	18,084
`492/3`	316	-	-	-	768	1,200	-	-	9,880	-
Income statement
`76A`	-	-	-	-	-	145	2,038	-	-	-
`9900`	-559	5,133	-1,456	-9,272	1,917	6,074	4,756	6,184	15,551	23,417
`62`	-	-	-	-	-	-	-	-	1,292	-
`630`	-	-	-	-	-	158	154	329	4,010	3,378
`640/8`	516	460	384	348	348	348	855	408	603	4,064
`66A`	53	-	-	-	-	-	-	-	-	-
`9901`	-1,128	4,672	-1,840	-9,619	1,570	5,568	3,748	5,447	9,646	15,976
`75/76B`	779	872	1,077	1,041	1,061	1,827	1,952	3,650	3,814	2,980
`75`	779	872	1,077	1,041	1,061	1,827	1,952	3,650	3,814	2,980
`65/66B`	115	60	60	84	276	1,709	920	2,305	279	724
`65`	115	60	60	84	276	1,709	920	2,305	279	724
`9903`	-464	5,484	-823	-8,662	2,355	5,686	4,780	6,792	13,181	18,232
`67/77`	-	1,270	-	-	878	1,464	2,015	1,841	1,150	500
`9904`	-464	4,214	-823	-8,662	1,477	4,222	2,765	4,950	12,031	17,732
`9905`	-464	4,214	-823	-8,662	1,477	4,222	2,765	4,950	12,031	17,732
Appropriation of the result
`9906`	-3,158	-2,695	-6,909	-6,086	4,051	6,775	5,318	7,453	12,063	17,732
`14P`	-2,695	-6,909	-6,086	2,576	2,575	-	-	-	-	-
`691/2`	-	-	-	-	1,475	4,200	2,765	4,900	960	900
`6920`	-	-	-	-	-	-	-	-	960	900
`6921`	-	-	-	-	1,475	4,200	2,765	4,900	-	-
`694/7`	-	-	-	-	-	-	-	-	8,600	16,800
`695`	-	-	-	-	-	-	-	-	8,600	16,800
Social balance sheet
`9087`	-	-	-	-	-	-	-	-	0.1	-
Hours worked`1013`	-	-	-	-	-	-	-	-	82	-
Document	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF

The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 30-09-2026.

Download as CSV

Filings

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

2025 annual accounts filed 61 days after the deadline. Filed on 30 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00536956.

Financial year	Type	Filed	Reference	Document
31-12-2025	micro format	30-09-2026	2026-00536956	PDF
31-12-2024	micro format	10-10-2025	2025-00541093	PDF
31-12-2023	micro format	25-07-2024	2024-00283618	PDF
31-12-2022	micro format	28-09-2023	2023-00462323	PDF
31-12-2021	micro format	30-08-2022	2022-20366568	PDF
31-12-2020	micro format	31-08-2021	2021-62800594	PDF
31-12-2019	micro format	26-10-2020	2020-63400121	PDF
31-12-2018	micro format	20-08-2019	2019-49100599	PDF
31-12-2017	micro format	29-08-2018	2018-54100487	PDF
31-12-2016	full format	18-09-2017	2017-61300427	PDF

Key figures and ratios

per financial year, computed from the annual accounts

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
-	-	-	-	-	5,726	3,901	5,776	13,656	19,353
-	-	-	-	-	4,380	2,919	5,280	16,041	21,110
-	-	-	-	-	0	0	465	3,334	8,898
-24	-2	10	-6	-11,163	11,079	-747	-2,253	-1,227	-
18,558	18,706	14,492	15,315	24,620	23,575	17,996	15,077	15,599	1,612
68.0%	73.2%	58.6%	67.3%	81.4%	80.4%	21.4%	17.1%	11.9%	13.8%
3.24	3.73	2.42	3.06	6.21	6.52	1.27	1.20	1.23	1.04
0.47	0.37	0.71	0.49	0.23	0.24	3.68	4.84	7.40	6.22
-2.5%	22.5%	-5.7%	-56.6%	6.2%	18.8%	15.1%	31.9%	113.9%	248.6%
-1.7%	16.5%	-3.3%	-38.1%	5.0%	15.1%	3.2%	5.5%	13.6%	34.4%

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.

Insights on TAOCONSTRUCT

The operating result for 2025 is a loss of €1,128, after a profit of €4,672 in 2024.

Debt's share of the balance-sheet total rises from 26.8% to 32.0%. Equity is lower and debt is higher.

Board & ownership

Board

2 directors, last change in October 2026

APETREI Bogdan-Ionel

Director

appointed by deed of 16-10-2026 term without a fixed end

Troger Olivier

Director

listed in the 2025 annual accounts, filed on 30-09-2026

Office holders in the KBO →

Mandates through the years

2 names, the dashed line is today

Troger Olivier
Director

APETREI Bogdan-Ionel
Director

Boardmandate already running before its first mention

Mandates as a list

Troger Olivier
- Director, since before 31-12-2021
APETREI Bogdan-Ionel
- Director, appointed by deed of 16-10-2026, still in office

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

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution: €6,200
Source: 2025 annual accounts

Network & group

No group

TAOCONSTRUCT has no parent and no holdings in its annual accounts. TAOCONSTRUCT shares no director with another company.

Timeline

17 events since 2015

Board

Filings

Financial

Establishments

201620182020202220242026

Deadline for the 2026 accounts: 31-07-2027

2026

16-10-2026

Appointment: APETREI Bogdan-Ionel (director)General meeting of 05-10-20262 points ▸

General meeting, 05-10-2026
Director appointment, APETREI Bogdan-Ionel
The deed holds 2 more points.

Open the deed in the Belgian Official Gazette

30-09-2026

Annual accounts 2025 filed NBBmicro format · 61 days late

21-06-2026

Registered in the Peppol Directory Reachable for e-invoices through 0208:0597765765

2025

10-10-2025

Annual accounts 2024 filed PDFmicro format · 71 days late

2024

31-12-2024

Back to profit net €4,214 The net result is €4,214, after 2 loss-making years.

25-07-2024

Annual accounts 2023 filed PDFmicro format · 6 days before the deadline

2023

28-09-2023

Annual accounts 2022 filed PDFmicro format · 59 days late

2022

31-12-2022

Weakest financial year net -€8,662 The net result drops to -€8,662, the lowest from 2016 to 2025. It recovers the following year.

30-08-2022

Annual accounts 2021 filed PDFmicro format · 30 days late

2021

31-08-2021

Annual accounts 2020 filed PDFmicro format · 31 days late

2020

31-12-2020

Liquidity more than 5 times current ratio 6.52 The current ratio rises from 1.27 to 6.52. Short-term debt falls from €67,177 to €4,269.

26-10-2020

Annual accounts 2019 filed PDFmicro format · 87 days late

2019

20-08-2019

Annual accounts 2018 filed PDFmicro format · 20 days late

2018

29-08-2018

Annual accounts 2017 filed PDFmicro format · 29 days late

2017

18-09-2017

Annual accounts 2016 filed PDFfull format · 49 days late

2015

06-02-2015

Incorporation PDFpublished on 10-02-2015

06-02-2015

First establishment Rue A. Brohée (G.) 19, Mons

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

Sources: Publications in the Belgian Official Gazette Filings with the National Bank

History

TAOCONSTRUCT was incorporated on 6 February 2015.¹ Total assets fell from €90,603 in 2018 to €26,838 in 2025.²

Company details

Identity

Enterprise number: 0597.765.765
VAT number: BE 0597.765.765
Peppol ID: 0208:0597765765
Legal form: Private limited company
Status: Active, normal situation
Founded: 06-02-2015
Financial year: ends on 31 December
Peppol: Reachable since 21-06-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name: TAOCONSTRUCT in French
Entity type: Legal entity

Activities

NACEBEL 2025

41001 General construction of residential buildings main activity

43310 Plastering work

43320 Joinery installation

43331 Floor and wall tiling

43410 Roofing work

Codes under NACEBEL 2008

41201 General construction of buildings main activity

43310 Plastering work

43320 Joinery installation

43331 Floor and wall tiling

43910 Specialised construction activities

Registered office and establishments

1 establishment

Establishment	Since	Unit number
Rue A. Brohée (G.) 19 registered office 7011 Mons	06-02-2015	2.254.635.831

Buildings and parcels at the address

Ground area: 2,235 m²
Buildings: 218 m²
Volume, LiDAR: 1,259 m³
Tallest building: 7.2 m

Buildings to scale, each on its own parcel

registered office establishment The establishment unit on the map

Parcels

Cadastral parcel	Area	Buildings	Height / floors
53030B0271/00P000	2,235 m²	1 · 218 m²	7.2 m · 2

Contact

E-mail olivier@troger.be

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 0597.765.765

Overview

Lifetime

Key points

Filings

Board

Checked score

Score breakdown

Comparable companies, two years later

Credit verdict

Signals

Board and ownership

Recent changes

Comparable companies

Official details

Annual accounts 2025

Insights on TAOCONSTRUCT

Financials

Annual accounts 2025

Balance sheet

Change in equityin euro

Change in cashin euro

Position in the sector

Solvency68.0%

Current ratio3.24

Return on assets-1.7%

Staff

Staff cost per FTE

Joined and left

Filed annual accounts

Filings

Key figures and ratios

Insights on TAOCONSTRUCT

Board & ownership

Board

Mandates through the years

Control

Capital

Network & group

No group

Timeline

Timeline

History

Company details

Identity

Activities

Registered office and establishments

Buildings and parcels at the address

Location

Parcels

Contact

Invoicing and payment

in euro

in euro

68.0%

3.24

-1.7%