Debts
€606,431 97% of the balance sheet
Financial debts 46%Suppliers 1%Taxes and wages 0%Other 53%
WOONCONSTRUCT
Lifetime
3 annual accounts with figures on one time axispeak €33,361 (2024)
€16,000▼ 52.0%
lowest -€21,632 (2023)
€10,736▼ 63.1%
peak €20,670 (2025)
€20,670▲ 108%
€606,431▲ 154%
Board1 name since 2022
1 directorWouters, Yves Louis Joseph
Documentsfilings and deeds
28-02-202628 days late
2025micro format
Gross margin from €33,361 to €16,000Result from €29,067 to €10,736Equity from €9,934 to €20,670Debts from €238,983 to €606,431Cash from €5,990 to €18,377
Key points
from the 2025 annual accountsFilings
3 annual accounts 2 late
The 2024 accounts came latest: 34 days after the end of the period.
Position in the sector
3.3%
Lower solvency than 86% of companies in construction of buildings. Sector median 42.9% · 9,462 companies.
Checked score
50
Fair
Financially stronger than 33% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.9% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 4.1%
01-2025: 4.3%▲ +0.2 percentage points vs 12-2024
02-2025: 4.9%▲ +0.6 percentage points vs 01-2025
03-2025: 5.0%▲ +0.1 percentage points vs 02-2025
04-2025: 5.6%▲ +0.6 percentage points vs 03-2025
05-2025: 5.6%● unchanged vs 04-2025
06-2025: 5.6%● unchanged vs 05-2025
07-2025: 5.5%▼ -0.1 percentage points vs 06-2025
08-2025: 5.6%▲ +0.1 percentage points vs 07-2025
09-2025: 5.6%● unchanged vs 08-2025
10-2025: 5.7%▲ +0.1 percentage points vs 09-2025
11-2025: 5.6%▼ -0.1 percentage points vs 10-2025
12-2025: 5.5%▼ -0.1 percentage points vs 11-2025
01-2026: 5.2%▼ -0.3 percentage points vs 12-2025
02-2026: 5.9%▲ +0.7 percentage points vs 01-2026
03-2026: 6.0%▲ +0.1 percentage points vs 02-2026highest value
04-2026: 2.6%▼ -3.4 percentage points vs 03-2026
05-2026: 2.6%● unchanged vs 04-2026
06-2026: 2.6%● unchanged vs 05-2026
07-2026: 2.5%▼ -0.1 percentage points vs 06-2026lowest value
08-2026: 2.6%▲ +0.1 percentage points vs 07-2026
09-2026: 2.6%● unchanged vs 08-2026
10-2026: 2.9%▲ +0.3 percentage points vs 09-2026
11-2026: 2.9%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Founded in 2022
Last filed accounts filed 29 days late; 1 of the last 3 accounts late
lowers risk
Size: total assets €627,101
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 14% of them on solvency, 5% on liquidity, 25% on profitability and 89% on growth.
The bankruptcy probability was computed on 09-11-2026 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 30-06-2025.
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, 1,514 companies had the same profile as WOONCONSTRUCT has now. Each dot stands for 4 companies, two years later.
95.8%
were still trading
1.5%
stopped another way
2.4%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of WOONCONSTRUCT itself: 2.9% within 12 months.
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.
| 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 1,514 companies, not a prediction for WOONCONSTRUCT. 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 €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.03 (1.04 in 2024), below the usual 1.5. Short-term debt is 96.7% and cash 2.9% of total assets. 96.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 9462 sector peers (2025).
NBB · sector comparisonPosition among 9462 sector peers
Solvency
better than 14%
← weakest
strongest →
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-02-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 days late
2024
34 days late
2023
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 10 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 financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 28 February (3 of the last 3 accounts filed within 59 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0785827979
Incorporation
Founding capital of €2,500, 2,500 shares · Founder: Wouters, Yves Louis Joseph · Appointment: Wouters, Yves Louis Joseph (director) · published on 11-05-2022 · Gazette deed
First establishment
Nieuwendijk 11, Wuustwezel
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| WOONCONSTRUCT Wuustwezel | €627,101 | €16,000 | 3.3% | - |
| SARABROTHERS Antwerp | €665,440 | €12,973 | 70.4% | - |
| Brojects Niel | €465,204 | €17,264 | 37.0% | - |
| Mintjens Projects Malle | €596,450 | €17,084 | -24.2% | - |
| FISC OPTIMUM INVEST Antwerp | €454,022 | €16,118 | -11.3% | - |
| Workservice Antwerp | €492,270 | €24,241 | 43.8% | - |
| AZG Solutions Antwerp | €735,116 | €26,811 | -4.0% | - |
These companies have the same main activity as WOONCONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €454,000 and €735,000, founded between 2020 and 2023.
Official details
Source: KBO- Status
- Active since 09-05-2022Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 5 others
- Establishment unit
- 2.331.805.9622990 Wuustwezel, since 09-05-2022
- Financial year end
- 30 June
- Peppol
- Reachable since 24-12-2025
Annual accounts to 30-06-2025
- ≈ €190,000estimated
- €627,101▲ 152%
- Filing
- Filed on 28-02-2026
Insights on WOONCONSTRUCT
WOONCONSTRUCT files the micro format. That format states no turnover. The gross margin rose from -€8,588 in 2023 to €16,000 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about WOONCONSTRUCT
- What is the company number of WOONCONSTRUCT?
- The company number of WOONCONSTRUCT is 0785.827.979. The VAT number is the same number with BE in front: BE 0785.827.979.
- Where is WOONCONSTRUCT based?
- The registered office is at Nieuwendijk 11, 2990 Wuustwezel.Company details
- What does WOONCONSTRUCT do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of WOONCONSTRUCT?
- WOONCONSTRUCT is a private limited company (BV).
- When was WOONCONSTRUCT founded?
- WOONCONSTRUCT was founded on 09-05-2022.
- Is WOONCONSTRUCT still active?
- Yes, WOONCONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of WOONCONSTRUCT?
- The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €16,000 and 263 comparable companies (NACE 41001). It probably lies between €100,000 and €350,000. It is a rough estimate.Financials
- Is WOONCONSTRUCT profitable?
- In financial year 2025, WOONCONSTRUCT made a profit of €10,736.
- Where can I find the annual accounts of WOONCONSTRUCT?
- WOONCONSTRUCT filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of WOONCONSTRUCT due?
- WOONCONSTRUCT must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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