XYZ CONSTRUCT
ActiveXYZ CONSTRUCT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €7k. Equity is shrinking by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 8862 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy▲ +21 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
0% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
100%
Return on assets
26.9%
Age of the figures
8 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
2 d early
2023
19 d early
2022
4 d early
2021
27 d early
2020
30 d early
2019
11 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€25k▲ 36.8%
2024 · €18k
2022: €32k
2023: €27k
2024: €18k
2022 → 2025
Total assets
€25k▲ 36.8%
2024 · €18k
2022: €42k
2023: €31k
2024: €18k
2022 → 2025
Net result
€7k
2024 · €-9k
2022: €3k
2023: €-5k
2024: €-9k
2022 → 2025
Working capital
€18k▼ 33.8%
2023 · €27k
2022: €32k
2023: €27k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€32k-€27k▼ 15.6%€18k▼ 33.8%€25k▲ 36.8%
Operating result€4k-€-5k€-9k▼ 84.9%€7k
Net result€3k-€-5k€-9k▼ 83.7%€7k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €9k in 2024, the highest year so far.
Key figures and ratios
Solvency
100.0%=
2024 · 100.0%
ROE
26.9%▲
2024 · -51.1%
ROA
26.9%▲
2024 · -51.1%
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€18k€25k▲
Current assets
29/58€18k€25k▲
Stocks & contracts in progress
3€10k€10k=
Amounts receivable within one year
40/41€699€51▼
Cash & bank
54/58€7k€15k▲
Total equity & liabilities
10/49€18k€25k▲
Equity
10/15€18k€25k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€2k€2k=
Accumulated profits (losses)
14€-2k€4k▲
Amounts payable
17/49€0-
Amounts payable within one year
42/48€0-
Trade debts payable within one year
44€0-
Income statement
Code20242025
Gross operating margin
9900€-8k€8k▲
Operating result
9901€-9k€7k▲
Financial charges
65€359€140▼
Result before taxes
9903€-9k€7k▲
Net result for the period
9904€-9k€7k▲
Result to be appropriated
9905€-9k€7k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 9.12
Current ratio from 4.30 to 9.12; short-term debt falls from €10k to €3k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
Edifix Construct
BE 0763.340.114
Wommelgem · Eq €25k
TOBAT CONSTRUCT
BE 0547.886.187
La Louvière · Eq €25k
Canonniers Logements
BE 0776.673.654
Mons · Eq €25k
SLW-Foundations
BE 0644.989.721
Zulte · Eq €25k
LOBI IMMO
BE 0797.047.713
Blégny · Eq €25k
Of 9,662 companies in sector 68121 we hold annual accounts for 6,977. 3,984 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded15-01-2014
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 22-08-2026. Scores and ratios are computed by Checked and are not a credit decision.