Active BE 0682.413.608Private limited company

Workers Solutions

Humaniteitslaan 65 ·1601 Sint-Pieters-Leeuw, Belgium· 8 yrs active

Sector: General construction of residential buildings (41001)

Conclusion Checked

The computed 12-month bankruptcy probability of Workers Solutions is 1.6% (moderate). The 2025 annual accounts show negative equity (€-19k) and a net result of €-95k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 1093 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Key figures

Equity	€-19k
Net result	€-95k
Staff (FTE)	1.2
Better than sector	7%

Financial profile 5 of 5 axes measured · computed by Checked

57 / 100

Mixed profile: strong on profitability, weaker on health.

All 5 axes are computed from data Checked has read.

Health 12

Profitability 100

Solvency 41

Growth 32

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.6% Moderate

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

More than 3 years active

Founded in 2017, past the statistically most fragile first 3 years.

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

12 / 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

55 2018

76 2019

83 2020

93 2021

86 2022

52 2023

53 2024

12 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 0.86 (< 1.0) -10

Equity Negative equity -25

Profitability ROE 506% (≥ 10%) +10

Interest coverage Interest coverage -17.4× (< 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 overview8 NBB filings

Annual accounts filed on 30-04-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 41, Construction of residential and non-residential buildings · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-14.1%	42.3%	better than 7% of 1093 sector peers
Net result	€-95k	€11k	better than 5% of 1093 sector peers
Equity	€-19k	€35k	better than 5% of 1095 sector peers
Gross operating margin	€2k	€29k	better than 12% of 1092 sector peers
Staff costs	€81k	€17k	higher than 83% of 289 sector peers

Revenue

€92k

- 18-25

EBITDA

€-88k

-654.4% 18-25

Net profit

€-95k

-535.3% 18-25

Cash flow

€-93k

-616.0% 18-25

Total assets

€134k

-25.4% 18-25

Equity

€-19k

- 18-25

Working capital

€-20k

- 18-25

Employees (FTE)

1

+20.0% 18-25

Staff costs

€81k

+9.4% 18-25

Income taxes

€825

+7.0% 18-25

Debt

€153k

+48.6% 18-25

Debt ≤ 1y

€150k

+46.7% 18-25

Current ratio

0.86

-49.9% 18-25

Quick ratio

0.86

-49.9% 18-25

Solvency

-14.1%

- 18-25

Debt / equity

-8.09

- 18-25

ROE

506.3%

- 18-25

ROA

-71.4%

-751.7% 18-25

Net margin

-1.1%

- 18-25

Interest coverage

-17.36

-63.1% 18-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€-88k	€-12k	€-15k	€25k	€56k
Net profit	€-95k	€-15k	€-26k	€8k	€33k
Cash flow	€-93k	€-13k	€-23k	€9k	€34k
Staff costs	€81k	€74k	€69k	€67k	€57k
Income taxes	€825	€771	€867	€8k	€14k
Dividends	-	-	-	-	-
Total assets	€134k	€179k	€149k	€218k	€219k
Equity	€-19k	€77k	€92k	€117k	€109k
Debt	€153k	€103k	€58k	€100k	€109k
of which ≤ 1y	€150k	€102k	€57k	€100k	€109k
of which > 1y	-	-	-	-	-
Working capital	€-20k	€74k	€90k	€116k	€106k
Employees (FTE)	1.2	1.0	1.0	1.0	1.0

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	0.86	1.72	2.58	2.16	1.97
Quick ratio	0.86	1.72	2.58	2.16	1.97
Working capital ratio	-15.3%	41.3%	60.1%	53.3%	48.4%
Solvency	-14.1%	42.7%	61.4%	53.9%	50.1%
Debt / equity	-8.09	1.34	0.63	0.86	1.00
Long-term debt ratio	-	-	-	-	-
Interest coverage	-17.36	-10.64	-1.86	3.08	6.53
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	-71.4%	-8.4%	-17.1%	3.5%	15.1%
ROE	506.3%	-19.6%	-27.9%	6.6%	30.2%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €4k · 3.1% Current assets €130k · 96.9%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€134k	€179k	€149k	€218k	€219k
Fixed assets	21/28	€4k	€3k	€3k	€2k	€4k
Tangible fixed assets	22/27	€4k	€3k	€3k	€2k	€4k
Current assets	29/58	€130k	€176k	€147k	€215k	€215k
Amounts receivable within one year	40/41	€98k	€94k	€64k	€105k	€94k
Cash & bank	54/58	€11k	€64k	€58k	€83k	€93k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€134k	€179k	€149k	€218k	€219k
Equity	10/15	€-19k	€77k	€92k	€117k	€109k
Contributions / capital	10/11	€19k	€19k	€19k	€19k	€19k
Reserves	13	€98k	€98k	€98k	€98k	€91k
Accumulated profits (losses)	14	€-136k	€-40k	€-25k	€328	€106
Amounts payable	17/49	€153k	€103k	€58k	€100k	€109k
Amounts payable within one year	42/48	€150k	€102k	€57k	€100k	€109k
Trade debts payable within one year	44	€56k	€47k	€18k	€58k	€28k
Income statement
Gross operating margin	9900	€2k	€64k	€57k	€103k	€148k
Operating result	9901	€-90k	€-14k	€-17k	€23k	€55k
Financial income	75	€231	€451	€450	€591	€396
Financial charges	65	€5k	€1k	€8k	€8k	€9k
Result before taxes	9903	€-95k	€-14k	€-25k	€16k	€47k
Income taxes	67/77	€825	€771	€867	€8k	€14k
Net result for the period	9904	€-95k	€-15k	€-26k	€8k	€33k
Result to be appropriated	9905	€-95k	€-15k	€-26k	€8k	€33k

Legal Structure

NACE primary	General construction of residential buildings(41001)
Legal form	Private limited company(610)
Incorporation	02-10-2017
Status	Active
Postal code	1601

Establishment units 1 location

Workers Solutions

Humaniteitslaan 65, 1601 Sint-Pieters-LeeuwGeneral construction of buildings

since 20172.268.994.702

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23069A0267/00B003	Flanders	3,035 m²	1 · 907 m²	13.8 m · 3 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 8 events

All 12Financial 4Filings 8

Next filing, fiscal year 2026, expected by 30-04-2027

2026

30-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Weakest financial yearnet €-95k

Net result drops to €-95k, the lowest in the series.

30-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-04

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-04

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-05

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 31 days late

2021

30-09

Financial Equity above €100kEq €109k ▲43.3%

3 profitable years in a row build equity to €109k.

30-04

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

30-09

Financial Highest result since 2018net €57k ▲12250%

Operating result €83k, net result €57k, both a record.

15-06

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 46 days late

2019

30-09

Financial Back to profitnet €464

Net result €464 after one loss-making year.

30-04

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has 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

General construction of residential buildings41001Site preparation43120Other construction installation43240Specialised construction activities43299Bricklaying and masonry work43910Other specialised construction activities43990Specialised construction activities43994Specialised construction activities43999

Names & trade names

Legal nameNL	Workers Solutions
AbbreviationNL	Ets générale CICCARESE PIERARD

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