Debts
€606,431 97% of the balance sheet
Financial debts 46%Suppliers 1%Taxes and wages 0%Other 53%
WOONCONSTRUCT
Overview
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.
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
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
- €16,000▼ 52.0%
- ≈ €190,000estimated
- €10,736▼ 63.1%
- €20,670▲ 108%
- €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.
Financials
Annual accounts 2025
micro format, filed on 28-02-2026, 28 days late€16,000
▼ 52.0%
€13,592
▼ 58.9%
€10,736
▼ 63.1%
€20,670
▲ 108%
3.3%
▼ 0.7 percentage points
1.03
▼ 0.01
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €190,000. Estimated: probably between €100,000 and €350,000.
Balance sheet
balance sheet total €627,101 on 30-06-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
3.3%
Higher than 14% of 9,462 companies in 2025.
1.03
Higher than 24% of 9,210 companies in 2025.
1.7%
Higher than 33% of 9,282 companies in 2025.
WOONCONSTRUCT
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: top quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
627,101 | 248,917 | 281,364 | |
29/58 |
627,101 | 248,917 | 281,364 | |
3 |
608,675 | 242,927 | 268,000 | |
30/36 |
608,675 | 242,927 | 268,000 | |
40/41 |
49 | - | - | |
41 |
49 | - | - | |
54/58 |
18,377 | 5,990 | 13,364 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
627,101 | 248,917 | 281,364 | |
10/15 |
20,670 | 9,934 | -19,132 | |
10/11 |
2,500 | 2,500 | 2,500 | |
13 |
18,170 | 7,434 | - | |
133 |
18,170 | 7,434 | - | |
14 |
- | - | -21,632 | |
17/49 |
606,431 | 238,983 | 300,496 | |
17 |
- | - | 200,000 | |
170/4 |
- | - | 200,000 | |
42/48 |
606,431 | 238,983 | 100,496 | |
43 |
280,000 | - | - | |
430/8 |
280,000 | - | - | |
44 |
3,839 | 140 | 496 | |
440/4 |
3,839 | 140 | 496 | |
45 |
2,684 | 1,955 | - | |
450/3 |
2,684 | 1,955 | - | |
47/48 |
319,908 | 236,888 | 100,000 | |
| Income statement | ||||
9900 |
16,000 | 33,361 | -8,588 | |
640/8 |
2,409 | 323 | 13,035 | |
9901 |
13,592 | 33,037 | -21,623 | |
75/76B |
- | 3,560 | - | |
75 |
- | 3,560 | - | |
65/66B |
172 | 5,672 | 9 | |
65 |
172 | 5,672 | 9 | |
9903 |
13,419 | 30,925 | -21,632 | |
67/77 |
2,684 | 1,859 | - | |
9904 |
10,736 | 29,067 | -21,632 | |
9905 |
10,736 | 29,067 | -21,632 | |
| Appropriation of the result | ||||
9906 |
10,736 | 7,434 | -21,632 | |
14P |
- | -21,632 | - | |
691/2 |
10,736 | 7,434 | - | |
6921 |
10,736 | 7,434 | - | |
| Document | ||||
The notes to these accounts have 1 item. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 28-02-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 28 days after the deadline. Filed on 28 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00046166.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 12,387 | -7,373 | - | ||
| 20,670 | 9,934 | 180,868 | ||
| 3.3% | 4.0% | -6.8% | ||
| 1.03 | 1.04 | 2.80 | ||
| 0.03 | 0.03 | 0.13 | ||
| 29.34 | 24.06 | - | ||
| 51.9% | 292.6% | - | ||
| 1.7% | 11.7% | -7.7% |
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 WOONCONSTRUCT
The operating result for 2025 is 59% lower than in 2024.
Debt's share of the balance-sheet total rises from 96.0% to 96.7%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 05-05-2022
term without a fixed end
listed in the 2025 annual accounts, filed on 28-02-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “BESTUUR & EXTERNE VERTEGENWOORDIGING De vennootschap wordt bestuurd door één of meer bestuurders, natuurlijke personen of rechtspersonen, al…”deed of 11-05-2022
Mandates through the years
1 name, the dashed line is todayWouters, Yves Louis Joseph
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- Wouters, Yves Louis Joseph
- Director (not named in the articles), from 05-05-2022 to date
Control
Capital
- Contribution
- €2,500
- Shares
- 2,500
- Contribution per share
- €1
- Equity per share
- €8.27 in 2025
- Source
- deed of 11-05-2022
Articles of association
deed of 11-05-2022 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Thursday of December at 18:00
Shareholders
At incorporation
deed of 11-05-2022 ↗
- Wouters, Yves Louis Joseph 2,500 shares (100%) · €2,500
Network & group
No group
WOONCONSTRUCT has no parent and no holdings in its annual accounts. Wouters, Yves Louis Joseph is the only director. WOONCONSTRUCT shares no director with another company.
Timeline
Timeline
7 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-01-2027
2026
Annual accounts 2025 filed PDFmicro format · 28 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0785827979
Annual accounts 2024 filed PDFmicro format · 34 days late
2024
Back to profit net €29,067 The net result is €29,067, after one loss-making year.
2023
Annual accounts 2023 filed PDFmicro format · 31 days before the deadline
2022
IncorporationFounding capital of €2,500, 2,500 shares · Founder: Wouters, Yves Louis Joseph · Appointment: Wouters, Yves Louis Joseph (director) · published on 11-05-20223 points ▸
- Founder, Wouters, Yves Louis Joseph
- Founding capital, €2,500, 2,500 shares
- Director appointment, Wouters, Yves Louis Joseph (director (not named in the articles))
- The deed holds 3 more points.
First establishment Nieuwendijk 11, Wuustwezel
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 9 May 2022, WOONCONSTRUCT was incorporated as a private limited company by one natural person, with a starting capital of €2,500.12 Wouters, Yves Louis Joseph has served as director since 2022.3 Total assets went from €281,364 in 2023 to €627,101 in 2025.4
Company details
Identity
- Enterprise number
- 0785.827.979
- VAT number
- BE 0785.827.979
- Peppol ID
- 0208:0785827979
- Other Peppol ID
- 9925:BE0785827979
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 09-05-2022
- Financial year
- ends on 30 June
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Thursday of December at 18:00deed of 11-05-2022 (in Dutch)
- Website
- www.woonconstruct.be
- Peppol
- Reachable since 24-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- WOONCONSTRUCT in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 11-05-2022 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Nieuwendijk 11, 2990 Wuustwezel”deed of 11-05-2022 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
Codes under NACEBEL 2008
41201
General construction of buildings main activity
41101
Real estate development
41102
Construction of residential and non-residential buildings
41202
Construction of residential and non-residential buildings
41203
Construction of residential and non-residential buildings
68100
Real estate activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het optreden als bouwpromotor, de studie en de uitvoering van alle mogelijke particuliere en openbare bouwwerken, als algemene aannemer of…”deed of 11-05-2022 (in Dutch)
12 activities
- Het optreden als bouwpromotor, de studie en de uitvoering van alle mogelijke particuliere en openbare bouwwerken, als algemene aannemer of in onderaanneming, het ontwerp en de bouw van alle mogelijke gebouwen, de aan- en verkoop, huur en onderhuur, beheer en valorisatie van onroerende goederen, en, in het algemeen, alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of het productief maken van alle bebouwde of onbebouwde eigendommen.
- Het uitvoeren van studies, audits, expertises, ontwerpen en projectcoördinatie betreffende onroerende constructies en technische installaties, alsook de uitvoering hiervan.
- De coördinatie voor het verkavelen, uitrusten, huren en verhuren, het doen bouwen of doen verbouwen van onroerende goederen evenals alle onroerende transacties en verrichtingen in de meest brede zin en van welke aard ook, met inbegrip van de onroerende leasing.
- Het verlenen van diensten en adviezen in de meest ruime zin van het woord aan bedrijven, ondernemingen en organisaties, onder meer inzake management, marketing, financiële, handels-, bedrijfseconomische, bedrijfstechnische en sociale aangelegenheden.
- Het verlenen van administratieve bijstand en ondersteuning aan bedrijven en organisaties, hier inbegrepen commerciële aangelegenheden, marketing en al wat daarmee rechtstreeks of onrechtstreeks verband houd.
- Het voeren van holding-activiteiten, omvattende onder meer: het door middel van inschrijving, inbreng, fusie, samenwerking, financiële tussenkomst of anderszins verwerven van een belang of deelneming in alle bestaande of nog op te richten ondernemingen, vennootschappen of verenigingen in België of in het buitenland; het beheren, valoriseren, verkopen, te gelde maken of anderszins vervreemden van deze participaties of belangen; alle financiële transacties en financiële overeenkomsten, behoudens deze activiteiten die wettelijk voorbehouden zijn aan spaar- en depositobanken en aan vennootschappen voor vermogensbeheer en beleggingsadvies.
- Het rechtstreeks of onrechtstreeks deelnemen aan het bestuur, de directie, de controle en vereffening van vennootschappen en ondernemingen, het waarnemen van het mandaat van bestuurder en dagelijks bestuurder of gemandateerde, het optreden als vereffenaar.
- Het uitbaten van een algemeen bedrijf van immobiliën en in het bijzonder: het verwerven, vervreemden, beheren, uitbaten, valoriseren, verkavelen, uitrusten, huren en verhuren, het doen bouwen of doen verbouwen van onroerende goederen evenals alle onroerende transacties en verrichtingen in de meest brede zin en van welke aard ook, met inbegrip van de onroerende leasing.
- Haar patrimonium, bestaande uit onroerende en roerende goederen en rechten, te behouden, in de ruimste zin van het woord te beheren en oordeelkundig uit te breiden.
- Alsook vastgoedhandelaar, en de opbouw en het beheer van eigen patrimonium, evenals het beheer van een onroerend of roerend vermogen en de huur-financiering van roerende en onroerende goederen aan derden, het aankopen, verkopen, ruilen, bouwen- en verbouwen, onderhouden, verhuren, huren en uitbaten van onroerende goederen, alsook alle bestanddelen binnen dit kader.
- De vennootschap kan participeren in, of een fusie aangaan met andere vennootschappen of ondernemingen, die zij het rechtstreeks of onrechtstreeks bijdragen tot het bereiken van het voorwerp van de vennootschap.
- De vennootschap mag het mandaat van bestuurder, zaakvoerder en vereffenaar waarnemen in vennootschappen waarin zij een belang of deelneming heeft.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Nieuwendijk 11 registered office 2990 Wuustwezel | 09-05-2022 | 2.331.805.962 |
Buildings and parcels at the address
- Ground area
- 598 m²
- Buildings
- 175 m²
- Volume, LiDAR
- 829 m³
- Tallest building
- 7.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11682F0049/00L011 | 598 m² | 1 · 175 m² | 7.5 m · 1 |
Contact
E-mail
info@woonconstruct.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 0785.827.979