TESTA CONSTRUCT
ActiveTESTA CONSTRUCT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €44k and a net result of €-20k. Its solvency ranks better than 16% of 2090 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes
Profitability0
Solvency6
Growth-
Stability85
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.02), and 91% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
9%
Return on assets
-4.1%
Age of the figures
20 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 2090 sector peers (2024).
NBB · sector comparisonPosition among 2090 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2024
38 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€44k
Total assets
€491k
Net result
€-20k
Working capital
€-437k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €491k
Fixed assets
€482k
Current assets
€10k
Equity and liabilities €491k
Equity
€44k
Debt
€447k
Debt finances 91.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€-5k
Cash flow
€-19k
Solvency
9.0%
Current ratio
0.02
Quick ratio
0.02
Debt / equity
10.09
ROE
-45.8%
ROA
-4.1%
Interest coverage
-0.39
Debt
€447k
Debt ≤ 1 year
€447k
Income taxes
€465
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€491k
Fixed assets21/28€482k
Tangible fixed assets22/27€2k
Plant, machinery and equipment23€1k
Furniture and vehicles24€559
Financial fixed assets28€480k
Current assets29/58€10k
Amounts receivable within one year40/41€6k
Trade receivables40€583
Other amounts receivable41€5k
Cash at bank and in hand54/58€1k
Deferred charges and accrued income490/1€3k
Equity and liabilities
Total equity and liabilities10/49€491k
Equity10/15€44k
Contributions10/11€460k
Profit (loss) carried forward14€-416k
Amounts payable17/49€447k
Amounts payable within one year42/48€447k
Trade debts44€956
Suppliers440/4€956
Taxes, remuneration and social security45€416
Taxes450/3€416
Other amounts payable47/48€446k
Income statement
Code2024
Non-recurring operating income76A€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€853
Other operating charges640/8€2k
Gross operating margin9900€-3k
Operating profit (loss)9901€-6k
Financial income75/76B€89
Recurring financial income75€89
Financial charges65/66B€14k
Recurring financial charges65€14k
Profit (loss) for the period before taxes9903€-20k
Income taxes67/77€465
Profit (loss) for the period9904€-20k
Profit (loss) for the period to be appropriated9905€-20k
Appropriation of the result
Profit (loss) to be appropriated9906€-416k
Profit (loss) brought forward from the previous period14P€-395k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
NBB filing
Directors · office · real estate
Directors
2 directors, no change since 2024
CALLAERT Sofie Johannes Philomena
CurrentNon-statutory director · since 18-04-2024
18-04-2024
CALLAERT Sofie Johannes Philomena: Appointed as Non-statutory director
18-04-2024
CALLAERT Sofie Johannes Philomena: Appointed as Director
18-04-2024
DE GREEF Manu: Resigned as Manager
Location & real-estate footprint
Registered office, Hove
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Appelkantstraat 432540 HoveGround area
551 m²
Building footprint
117 m²
Volume, LiDAR
766 m³
Parcel 11021A0150/00S003, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021A0150/00S003 | Flanders | 551 m² | 1 · 117 m² | 10.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
RENERCO
BE 0788.755.894
Braine-le-Comte · Eq €44k
GREEN BUILD
BE 0786.265.964
Sint-Agatha-Berchem · Eq €44k
Vandecasserie
BE 0799.353.145
Veurne · Eq €44k
JUST MC
BE 1017.527.921
Lennik · Eq €44k
JMP CONSTRUCT
BE 0795.117.611
Durbuy · Eq €44k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,868. 12,819 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2010
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
64200Holdings
64210Activities of holding companies
41003General construction of other non-residential buildings
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.