YOUCONSTRUCT
ActiveYOUCONSTRUCT has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €103k. Its solvency ranks better than 72% of 969 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +40 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+73
Growth78
Stability82
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days only on tighter terms
Liquidity ample (current ratio 2.5 against 1.25 in 2024), and 35.4% 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+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
higher
← 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
64.6%
Return on assets
62.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
23 d late
2024
24 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 2,678%
2024 · €4k
2024: €4k
2024 → 2025
Total assets
€165k▲ 573%
2024 · €25k
2024: €25k
2024 → 2025
Net result
€103k▲ 2,026%
2024 · €5k
2024: €5k
2024 → 2025
Working capital
€87k▲ 1,684%
2024 · €5k
2024: €5k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€4k-€107k▲ 2,678%
Operating result€5k-€131k▲ 2,355%
Net result€5k-€103k▲ 2,026%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 2,355% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€20k
Current assets
€146k
Equity and liabilities €165k
Equity
€107k▲ 2,678%
Debt
€58k▲ 182%
The debt ratio falls from 84.3% to 35.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€133k
Cash flow
€106k
Solvency
64.6%▲
2024 · 15.7%
Current ratio
2.50▲
2024 · 1.25
Quick ratio
2.50▲
2024 · 1.25
Debt / equity
0.55▼
2024 · 5.39
ROE
96.4%▼
2024 · 126.0%
ROA
62.3%▲
2024 · 19.7%
Interest coverage
1888.35
Debt
€58k▲
2024 · €21k
Debt ≤ 1 year
€58k▲
2024 · €20k
Income taxes
€28k▲
2024 · €460
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
Assets
Total assets20/58€25k€165k▲
Fixed assets21/28-€20k
Tangible fixed assets22/27-€20k
Plant, machinery and equipment23-€4k
Other tangible fixed assets26-€16k
Current assets29/58€25k€146k▲
Amounts receivable within one year40/41€20k€137k▲
Trade receivables40€17k€137k▲
Other amounts receivable41€3k€55▼
Cash at bank and in hand54/58€2k€9k▲
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€25k€165k▲
Equity10/15€4k€107k▲
Contributions10/11€2k€2k=
Reserves13€2k€105k▲
Distributable reserves133€2k€105k▲
Amounts payable17/49€21k€58k▲
Amounts payable within one year42/48€20k€58k▲
Trade debts44€1k€436▼
Suppliers440/4€1k€436▼
Taxes, remuneration and social security45€460€34k▲
Taxes450/3€460€34k▲
Other amounts payable47/48€18k€24k▲
Accrued charges and deferred income492/3€1k€240▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2k
Other operating charges640/8€427€148▼
Gross operating margin9900€6k€133k▲
Operating profit (loss)9901€5k€131k▲
Financial income75/76B-€253
Recurring financial income75-€253
Financial charges65/66B€6€70▲
Recurring financial charges65€6€70▲
Profit (loss) for the period before taxes9903€5k€131k▲
Income taxes67/77€460€28k▲
Profit (loss) for the period9904€5k€103k▲
Profit (loss) for the period to be appropriated9905€5k€103k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€103k▲
Transfer to equity691/2€2k€103k▲
To other reserves6921€2k€103k▲
Profit to be distributed694/7€3k-
Directors or managers695€3k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 2.50
Current ratio from 1.25 to 2.50.
31-12
Financial
Equity above €100kEq €107k ▲2678%
2 profitable years in a row build equity to €107k.
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lokeren · 1 establishment unit since 2024
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Hospicestraat 1139180 LokerenGround area
88 m²
Building footprint
88 m²
Volume, LiDAR
389 m³
Parcel 44045D0766/00G000, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
YOUCONSTRUCT
since 20242.366.698.149
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44045D0766/00G000 | Flanders | 87 m² | 1 · 87 m² | 7.1 m · 1 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
FONS VAN BAELEN
BE 0878.167.031
Geel · Eq €108k
CB-Tech
BE 0759.968.571
Houthalen-Helchteren · Eq €106k
ZAKI TEAM
BE 0703.969.976
Zottegem · Eq €105k
G.T.J.-CONSTRUCT
BE 0880.540.462
Riemst · Eq €108k
VANNEC
BE 0807.969.220
Oostkamp · Eq €109k
Of 1,806 companies in sector 42220 we hold annual accounts for 948. 701 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-11-2024
Fiscal year end31-12
Activities, NACEBEL
42220Construction of utility projects for electricity and telecommunications
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.