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Complete company report
Generated 05-09-2026
Active BE 1013.227.356Private limited company

Victor.T Construct

Vanderhoevenstraat 18 ·1210 Sint-Joost-ten-Node, Belgium· 1 yrs active
Sector: Site preparation (43120)
Conclusion Checked

The computed 12-month bankruptcy probability of Victor.T Construct is 5.9% (elevated). The 2025 annual accounts show negative equity (€-10k) and a net result of €-10k. Its solvency ranks better than 5% of 26547 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €-10k
Net result €-10k
Better than sector 5%
Active 1 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health7Profitability100Solvency33Growth32Stability82
51 / 100

Mixed profile: strong on profitability, weaker on health.

All 5 axes are computed from data Checked has read.

Health 7
Profitability 100
Solvency 33
Growth 32
Stability 82
Bankruptcy probability (12 mo) Checked model v1 · free
5.9% Elevated
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2025 · computed
7 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
negative equity or figures too weak
Score history
48 2024
7 2025
purely financial, excl. current insolvency signals
Score components
Liquidity Current ratio 0.47 (< 1.0) -10
Quick ratio Quick ratio 0.47 (< 0.6) -5
Equity Negative equity -25
Profitability ROE 101% (≥ 10%) +10
Interest coverage Interest coverage -308.4× (< 1.5×) -10
Profit trend Net profit down YoY -3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 24-08-2026 with the NBB · fiscal year 2025 · micro schema
€-10k€-8k€-5k€-3k€0Operating result 2024: €172€172Net result 2024: €123€123Operating result 2025: €-10k€-10kNet result 2025: €-10k€-10k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -110.8% 47.4%
better than 5% of 26547 sector peers
Net result €-10k €10k
better than 12% of 26539 sector peers
Equity €-10k €60k
better than 6% of 26557 sector peers
Gross operating margin €-8k €39k
better than 5% of 26517 sector peers
Total assets €9k €141k
better than 5% of 26551 sector peers
EBITDA
€-9k
- 24-25
Net profit
€-10k
- 24-25
Cash flow
€-9k
- 24-25
Total assets
€9k
+204.2% 24-25
Equity
€-10k
- 24-25
Working capital
€-10k
-1390.8% 24-25
Income taxes
€31
- 24-25
Debt
€18k
+570.0% 24-25
Debt ≤ 1y
€18k
+570.0% 24-25
Current ratio
0.47
-37.9% 24-25
Quick ratio
0.47
-37.9% 24-25
Solvency
-110.8%
- 24-25
Debt / equity
-1.90
- 24-25
ROE
101.3%
+1.3% 24-25
ROA
-112.2%
- 24-25
Interest coverage
-308.37
- 24-25
Figures by fiscal year and ratios
Change versus the prior fiscal year, coloured by direction (green = favourable).
Fiscal year2025 Δ2024 Δ
Depositmicro schemamicro schema
Revenue--
EBITDA--
Net profit--
Cash flow--
Staff costs--
Income taxes--
Dividends--
Total assets+204.2%-
Equity--
Debt+570.0%-
of which ≤ 1y+570.0%-
of which > 1y--
Working capital-1390.8%-
Employees (FTE)--
Ratios (computed)
20252024
Current ratio0.470.76
Quick ratio0.470.76
Working capital ratio-110.8%-22.6%
Solvency-110.8%4.3%
Debt / equity-1.9022.32
Long-term debt ratio--
Interest coverage-308.3751.97
Gross margin--
Net margin--
ROA-112.2%4.3%
ROE101.3%100.0%
EBITDA margin--
Days sales outstanding--
Days payable outstanding--
Inventory turnover--
Days inventory (DSI)--
Full annual accounts (18 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code20252024
Balance sheet, Assets
TOTAL ASSETS 20/58€9k€3k
Formation expenses 20-€771
Current assets 29/58€9k€2k
Amounts receivable within one year 40/41€8k€2k
Cash & bank 54/58€1€25
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€9k€3k
Equity 10/15€-10k€123
Accumulated profits (losses) 14€-10k€123
Amounts payable 17/49€18k€3k
Amounts payable within one year 42/48€18k€3k
Trade debts payable within one year 44€9k€1k
Income statement
Gross operating margin 9900€-8k€943
Operating result 9901€-10k€172
Financial charges 65€29€18
Result before taxes 9903€-10k€154
Income taxes 67/77-€31
Net result for the period 9904€-10k€123
Result to be appropriated 9905€-10k€123
Legal Structure
NACE primary Site preparation(43120)
Legal form Private limited company(610)
Incorporation05-09-2024
StatusActive
Postal code1210
Establishment units 1 location
Victor.T Construct
Vanderhoevenstraat 18, 1210 Sint-Joost-ten-NodePainting of buildings
since 20242.363.312.552
Real-estate footprint Source: CBE × cadastre
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21572C0024/00K008 Brussels 134 m² 1 · 84 m² 16.3 m · 5 fl.
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.
Updates 2 events
Next filing, fiscal year 2026, expected by 31-07-2027
2026
24-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Site preparation43120Specialised construction activities43992General cleaning of buildings81210Other building cleaning and industrial cleaning81220
Names & trade names
Legal nameFR Victor.T Construct
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative