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YOZ CONSTRUCT

Active
Private limited companyfounded 2024active for 2 yearsKruisstraat 4, 1050 Elsene, Belgium19 active companies are registered at this addressKBO/BCE: BE 1009.068.927
Summary

YOZ CONSTRUCT has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10,183 and a net result of €8,683. Its solvency ranks better than 11% of 2,787 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
≈ €120,000turnover 2025, estimated
Equity
€10,183
Profit
€8,683
Turnover estimated from the gross margin
Financial health
64 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.2%
Structure
Parent
BDP · 100%
  • RT MANAGEMENTDirector · permanent representative Turlot Réginald
  • TDLV CONSULTDirector · permanent representative de le Vingne Diego
2025 accounts filed 2 days late
Why 64raises riskSector: Construction of residential and non-residential buildings (NACE 41)Founded in 2024Equity €10,183 (1.2% of total assets)lowers riskSize: total assets €834,051Show the evidence

Checked score

Score 2025
64 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 21% of its sector peers (NACE 41, micro)
Financial strength
Weak
Solvency 26
equity 1.2% of total assets
Liquidity 35
short-term debt 98.8% · cash 28.4%
Profitability 35
return on assets 1.0%
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,447 companies, NACE 41, micro)
Last 24 months 06-2025: 3.7% 07-2025: 3.8%▲ +0.1 percentage points vs 06-2025 08-2025: 4.2%▲ +0.4 percentage points vs 07-2025 09-2025: 4.3%▲ +0.1 percentage points vs 08-2025 10-2025: 4.7%▲ +0.4 percentage points vs 09-2025 11-2025: 4.7%● unchanged vs 10-2025 12-2025: 5.2%▲ +0.5 percentage points vs 11-2025 01-2026: 5.1%▼ -0.1 percentage points vs 12-2025 02-2026: 5.0%▼ -0.1 percentage points vs 01-2026 03-2026: 5.2%▲ +0.2 percentage points vs 02-2026 04-2026: 5.6%▲ +0.4 percentage points vs 03-2026 05-2026: 5.6%● unchanged vs 04-2026 06-2026: 5.6%● unchanged vs 05-2026highest value 07-2026: 5.6%● unchanged vs 06-2026highest value 08-2026: 5.6%● unchanged vs 07-2026highest value 09-2026: 5.6%● unchanged vs 08-2026highest value 10-2026: 1.2%▼ -4.4 percentage points vs 09-2026lowest value
Credit of up to €500 on 30-day terms is acceptable
Liquidity insufficient (current ratio 1.0, below 1; short-term debt: 98.8% and cash: 28.4% of total assets), and 98.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 12% on solvency, 31% on liquidity and 22% on profitability.

The bankruptcy probability was computed on 29-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises risk
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Founded in 2024
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Equity €10,183 (1.2% of total assets)
NBB · annual accounts
lowers risk · Size: total assets €834,051
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 2787 sector peers (2025).
NBB · sector comparison
Position among 2787 sector peers
Solvency
better than 11%
← weakest strongest →
raises risk · 2025 accounts filed 2 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 1 filing
Deviation from the deadline
2025
2 days late
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. IncorporationAppointments: TDLV CONSULT (director) and…

Financials · financial year 2025, abbreviated format

2025 annual accounts filed late (2 days) Filed on 2 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00036450.

Turnover
≈ €120,000
Estimated: probably between €75,000 and €220,000
Total assets
€834,051
Net result
€8,683
Working capital
-€1,704

Turnover and EBIT margin not published: the abbreviated format does not require them. The turnover shown is an estimate from the gross margin.

Balance-sheet composition
Assets €834,051
Fixed assets €11,888
Current assets €822,164
Equity and liabilities €834,051
Equity €10,183
Debt €823,868
Debt finances 98.8% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€25,766
Cash flow
€8,942
Current ratio
1.00
Quick ratio
0.35
Debt to equity
80.90
ROE
85.3%
ROA
1.0%
Interest coverage
1.84
Debt ≤ 1 year
€823,868
Income taxes
€2,896

Peer companies

Historical observation

Of the 1,514 companies that looked in July 2024 the way this one looks now, 2.4% went bankrupt within 24 months and 95.8% are still going.

  • Small
  • 2 to 5 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet
2.4% went bankrupt
1.5% stopped otherwise
95.8% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,514 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 38 lines
Balance sheet Code2025
Assets
Total assets20/58€834,051
Fixed assets21/28€11,888
Tangible fixed assets22/27€3,840
Furniture and vehicles24€3,840
Financial fixed assets28€8,047
Current assets29/58€822,164
Stocks and contracts in progress3€533,530
Stocks30/36€533,530
Amounts receivable within one year40/41€51,861
Trade receivables40€20,903
Other amounts receivable41€30,958
Cash at bank and in hand54/58€236,773
Equity and liabilities
Total equity and liabilities10/49€834,051
Equity10/15€10,183
Contributions10/11€1,500
Profit (loss) carried forward14€8,683
Amounts payable17/49€823,868
Amounts payable within one year42/48€823,868
Financial debts43€456,497
Credit institutions430/8€456,497
Trade debts44€141,032
Suppliers440/4€141,032
Taxes, remuneration and social security45€51,823
Taxes450/3€51,823
Other amounts payable47/48€174,516
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€258
Other operating charges640/8€399
Gross operating margin9900€26,165
Operating profit (loss)9901€25,508
Financial income75/76B€64
Recurring financial income75€64
Financial charges65/66B€13,993
Recurring financial charges65€13,993
Profit (loss) for the period before taxes9903€11,579
Income taxes67/77€2,896
Profit (loss) for the period9904€8,683
Profit (loss) for the period to be appropriated9905€8,683
Appropriation of the result
Profit (loss) to be appropriated9906€8,683

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€258
Other operating charges640/8€399
Gross operating margin9900€26,165
Operating profit (loss)9901€25,508
Financial income75/76B€64
Recurring financial income75€64
Financial charges65/66B€13,993
Recurring financial charges65€13,993
Profit (loss) for the period before taxes9903€11,579
Income taxes67/77€2,896
Profit (loss) for the period9904€8,683
Profit (loss) for the period to be appropriated9905€8,683
Line2025
Assets
Total assets20/58€834,051
Fixed assets21/28€11,888
Tangible fixed assets22/27€3,840
Furniture and vehicles24€3,840
Financial fixed assets28€8,047
Current assets29/58€822,164
Stocks and contracts in progress3€533,530
Stocks30/36€533,530
Amounts receivable within one year40/41€51,861
Trade receivables40€20,903
Other amounts receivable41€30,958
Cash at bank and in hand54/58€236,773
Equity and liabilities
Total equity and liabilities10/49€834,051
Equity10/15€10,183
Contributions10/11€1,500
Profit (loss) carried forward14€8,683
Amounts payable17/49€823,868
Amounts payable within one year42/48€823,868
Financial debts43€456,497
Credit institutions430/8€456,497
Trade debts44€141,032
Suppliers440/4€141,032
Taxes, remuneration and social security45€51,823
Taxes450/3€51,823
Other amounts payable47/48€174,516
Line2025
Profit (loss) for the period9904€8,683
+ Depreciation and write-downs630€258
Operating cash flow (approximation)€8,942

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (1)
Financial year Type Filed Reference
30-06-2025 abbreviated format 02-02-2026 2026-00036450

Similar companies · same sector, comparable size

Of the 29,223 active companies whose main activity is general construction of residential buildings (NACE 41001), figures are known for 16,389. 9,668 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
2 directors, no change since 2024

Board 2

RT MANAGEMENT
Director (not named in the articles) · since 07-05-2024 · Private limited company · permanent representative: Turlot Réginald
Current
TDLV CONSULT
Director (not named in the articles) · since 07-05-2024 · Private limited company · permanent representative: de le Vingne Diego
Current

Permanent representatives 2

de le Vingne Diego
Permanent representative · since 07-05-2024 · for TDLV CONSULT
Current
Turlot Réginald
Permanent representative · since 07-05-2024 · for RT MANAGEMENT
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

2 people since 2024, 2 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
RT MANAGEMENT
  • Director (not named in the articles), from 07-05-2024 to date
TDLV CONSULT
  • Director (not named in the articles), from 07-05-2024 to date
See the board, name and registered office on a given date →

Owners and capital

Owners

1 owner

Chain of control

  1. BDP 100%
  2. YOZ CONSTRUCT

Highest known parent: BDP. The sources do not say who stands above it.

Owners 1

Sources: the companies' annual accounts, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 07-05-2024 ↗
  • BDP (BE 0747.676.097) 120 shares (100%) · €1,500 in cash

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 07-05-2024 Incorporation · €1,500 · 120 shares

Group and network

Connections & network

4 connected companies
Depth
This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
DRVO
Shared corporate director
→
LES ALLIES
Shared corporate director
→
LVCB
Shared corporate director
→
UBH Belgium
Shared corporate director
→

History

On 3 May 2024, YOZ CONSTRUCT was incorporated as a private limited company by BDP, with a starting capital of €1,500.12 Of the 2 current board members, 2 have served since 2024.2 The company has filed annual accounts once, for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 07-05-2024
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
02-02
NBB filing Annual accounts filed
financial year 2025 · abbreviated format · 2 days late
2024
07-05
Gazette deed Incorporation
Appointments: TDLV CONSULT (director) and RT MANAGEMENT (director) · Permanent representatives: de le Vingne Diego and Turlot Réginald · Founder11 facts ▸
  • Founder, BDP
  • Founding capital, €1,500
  • Incorporation, 02-05-2024
  • Other provision, “Titre V Assemblée générale, TITRE V. ASSEMBLEE GENERALE” (deed in French)
  • Registered office clause, “1050 Ixelles, rue de la Croix”, 4 (deed in French)
  • Board rule, 2, “assemblée” (deed in French)
  • Director appointment, TDLV CONSULT (director (not named in the articles))
  • Permanent representative, de le Vingne Diego
  • Director appointment, RT MANAGEMENT (director (not named in the articles))
  • Permanent representative, Turlot Réginald
  • Pre-incorporation commitments, “takeover, tous les engagements ainsi que les obligations qui en résultent,et toutes les activités entreprises au nom et pour compte de la société en formation” (deed in French)
Gazette deedNBB filing
1 of 1 deed read

Register details

Identification
Legal formPrivate limited company
Founded03-05-2024
Financial year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:1009068927
Also 9925:BE1009068927
Registered 25-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

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, with enterprise number 1009.068.927

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Elsene · 1 establishment unit since 2024
registered office establishment The establishment unit on the map
Ground area
3,678 m²
Building footprint
2,601 m²
Building volume
44,861 m³
Parcel 21442A0284/00D002, Brussels · tallest building 25.7 m. Linked by address, not a title deed.
19 companies at this address See who is registered here
1 establishment unit
YOZ CONSTRUCT
Kruisstraat 4, 1050 ElseneGeneral construction of residential buildings
since 2024unit no. 2.362.591.089
1 parcel
Brussels 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
21442A0284/00D002 Brussels 3,678 m² 1 · 2,601 m² 25.7 m · 6
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“Les services et les conseils dans le sens le plus large du terme,aux entreprises privées et/ou publiques belges ou étrangères,ainsi qu'aux…” (deed in French)
5 activities (deed in French)
  1. Les services et les conseils dans le sens le plus large du terme,aux entreprises privées et/ou publiques belges ou étrangères,ainsi qu'aux particuliers
  2. L’assistance à la maitrise d’ouvrage ou la Maitrise d’Oeuvre Déléguée dans le cadre de rénovation ou construction de bâtiments ceci depuis la programmation jusqu’au parfait achèvement
  3. L’exploitation d’un bureau d’organisation,d’études,de conseil et réalisation en techniques spéciales (HVAC,électromécanique,électricité,télécommunications,électronique),maintenance,informatique,matières économiques,commerciales,financières,immobilières ou administratives au sens général
  4. Toutes opération immobilières dans le sens le plus large du terme,et notamment assurer la gestion de tous biens immobiliers,de portefeuilles de participations,intervenir en matière de conseils en réalisation immobilière,assurer ou coordonner la réalisation de projets immobiliers,acheter et vendre tout droit,obligation et titre immobilier,ériger des immeubles,les aménager,les décorer,les prendre ou donner en location,prendre ou donner des droits d’emphytéose ou de superficie,faire tous travaux en ordre de rendre les immeubles rentables,lotir des terrains,créer la voirie nécessaire,conclure tout contrat de leasing et cætera notamment l’achat,la vente,la location,la gérance,le courtage et l’entretien d’immeubles
  5. Toutes opérations techniques quelconques se rapportant à la construction,la transformation,l’aménagement de tout immeuble,et notamment les travaux de

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
YOZ CONSTRUCT
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Région de Bruxelles-Capitale, transfert en tout endroit de la Région de Bruxelles-Capitale ou de la région de langue française de Belgique…” (deed in French)

deed of 07-05-2024

Who represents it, and how

Who signsWho may bind the company towards others, for example by signing a contract.
“administrateur, et qui accepte. Dans le cadre de son mandat, est désigné en qualité de représentant permanant : Monsieur Turlot Réginald…”
Board ruleHow the board is made up, meets and takes decisions.
“Un ou plusieurs administrateurs, assemblée qui nomme” (deed in French)
“Frais généraux indépendamment des frais de représentation,voyages et déplacements, assemblée générale” (deed in French)

deed of 07-05-2024

Capital, shares and profit

Kind of sharesWhich classes of shares exist and what rights each class carries.
“Nominatives, registre des actions nominatives” (deed in French)
Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
“Moitié cédant moitié acquéreurs proportionnellement au nombre d'actions acquises, pli recommandé” (deed in French)

deed of 07-05-2024

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Third Friday of December at 17:00

deed of 07-05-2024

Oversight and winding up

Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one.
No statutory auditor
Dissolution ruleWhen and by whom the company can be dissolved.
“Formes prévues pour les modifications aux statuts, assemblée générale” (deed in French)
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
“Pour quelque cause et à quelque moment que ce soit, désigner un ou plusieurs liquidateurs et déterminer pouvoirs et émoluments” (deed in French)

deed of 07-05-2024

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Appels de fonds, lettre recommandée” (deed in French)
Other provision: “Apport en numéraire avec émission de nouvelles actions – Droit de préférence, organe qui procède à l'émission” (deed in French)
Other provision: “Indivisibilité des titres, jour du partage ou délivrance des legs” (deed in French)
Other provision: “Un ou plusieurs commissaires, trois ans” (deed in French)
Other provision: “Administrateur,à défaut actionnaire présent détenant le plus d'actions,à parité le plus âgé, séances et procès-verbaux d'assemblée générale” (deed in French)
Other provision: “Organe d'administration, toute assemblée ordinaire ou extraordinaire” (deed in French)
Other provision: “Paiement des dividendes et acomptes sur dividendes, le cas échéant réduit de la perte reportée ou majoré du bénéfice reporté” (deed in French)
Liquidation distribution: “Actif net réparti entre tous les actionnaires en proportion de leurs actions, apurement de dettes,charges et frais ou consignation des…” (deed in French)
Other provision: “Exécution des statuts,communications,sommations,assignations,significations valablement faites, élection de domicile” (deed in French)
Other provision: “Tribunaux du siège,compétence exclusive, compétence judiciaire” (deed in French)
Other provision: “Droit commun et effet des décisions finales, clauses contraires aux dispositions impératives censées non écrites” (deed in French)
4 more provisions in the deed, see the deed of 07-05-2024

deed of 07-05-2024