TEC CONSTRUCTION
ActiveSummary
The computed 12-month bankruptcy probability of TEC CONSTRUCTION is 4.4% (elevated). The 2025 annual accounts show equity of €8,691 and a net result of €7,191. Its solvency ranks better than 26% of 9,348 sector peers (NACE 41, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- €8,691
- Profit
- €7,191
Why 38raises riskFounded in 2025Sector: Construction of residential and non-residential buildings (NACE 41)Size: total assets €45,156Liquidity: current ratio 1.12, cash €1,747Show the evidence
Checked score
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 26% on solvency, 10% on liquidity and 73% on profitability.
The bankruptcy probability was computed on 28-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: RODRIGUES SILVA Fernando (director)…
Financials · financial year 2025, micro format
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Peer companies
Historical observationOf the 2,390 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 96.7% are still going.
- Micro
- under 2 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 4.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,390 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,741 |
| Other operating charges640/8 | €1,878 |
| Gross operating margin9900 | €12,854 |
| Operating profit (loss)9901 | €9,236 |
| Financial income75/76B | €0 |
| Recurring financial income75 | €0 |
| Financial charges65/66B | €31 |
| Recurring financial charges65 | €31 |
| Profit (loss) for the period before taxes9903 | €9,205 |
| Income taxes67/77 | €2,014 |
| Profit (loss) for the period9904 | €7,191 |
| Profit (loss) for the period to be appropriated9905 | €7,191 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €45,156 | |
| Fixed assets21/28 | €4,448 | |
| Tangible fixed assets22/27 | €4,448 | |
| Furniture and vehicles24 | €4,448 | |
| Current assets29/58 | €40,707 | |
| Amounts receivable within one year40/41 | €38,961 | |
| Trade receivables40 | €33,529 | |
| Other amounts receivable41 | €5,432 | |
| Cash at bank and in hand54/58 | €1,747 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €45,156 | |
| Equity10/15 | €8,691 | |
| Contributions10/11 | €1,500 | |
| Profit (loss) carried forward14 | €7,191 | |
| Amounts payable17/49 | €36,465 | |
| Amounts payable within one year42/48 | €36,465 | |
| Trade debts44 | €33,291 | |
| Suppliers440/4 | €33,291 | |
| Taxes, remuneration and social security45 | €2,014 | |
| Taxes450/3 | €2,014 | |
| Other amounts payable47/48 | €1,160 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €7,191 |
| + Depreciation and write-downs630 | €1,741 |
| Operating cash flow (approximation) | €8,931 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 18-06-2026 | 2026-00170897 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| RODRIGUES SILVA Fernando |
|
Owners and capital
Capital and shareholders
- RODRIGUES SILVA Fernando 1,000 shares (100%)
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 04-02-2025 Incorporation · €1,500 · 1,000 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
04-02
Gazette deed
IncorporationAppointment: RODRIGUES SILVA Fernando (director) · Founder · Founding capital6 facts ▸
- Other provision, “besluiten comparant-effectiviteit, artikel 2:6 Wetboek van vennootschappen en verenigingen” (deed in Dutch)
- Director appointment, RODRIGUES SILVA Fernando (director)
- Other provision, “verklaring bestuursverbod-geen veroordeling, comparant” (deed in Dutch)
- Incorporation, “TEC CONSTRUCTION” (deed in Dutch)
- Founder, RODRIGUES SILVA Fernando
- Founding capital, €1,500
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
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, with enterprise number 1019.449.313
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21383B0031/00D043 | Brussels | 1,209 m² | 1 · 255 m² | 26.4 m · 2 |
| 23582E0660/00D004 | Flanders | 475 m² | 1 · 184 m² | - |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- TEC CONSTRUCTION
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, ARTIKEL 2” (deed in Dutch)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Een of meer bestuurders, overige bestuurders” (deed in Dutch)“Helft leden aanwezig of vertegenwoordigd, absolute meerderheid” (deed in Dutch)
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Verklaring van overdracht ingeschreven in register van betrokken aandelen, a rato van rechten in nalatenschap” (deed in Dutch)
- Authorised capitalThe amount by which the board may raise capital without a new shareholder decision.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Friday of June at 18:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- One provision in the deed