CELINE CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of CELINE CONSTRUCT is 2.2% (moderate). The 2026 annual accounts show equity of €25k and a net result of €1k. Equity is growing by ~40.2% per year across the filed fiscal years. Its solvency ranks better than 72% of 103 sector peers (fiscal year 2026). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability46▼-54
Solvency96▼-4
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.4 against 5.37 in 2025; short-term debt: 29.4% and cash: 12.7% of total assets), and 29.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 41
Relative position
BE, all sectors
reference
Sector 41
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 2026Solvency, return and age of the figures
Solvency
70.6%
Return on assets
3.5%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 25-08-2026, 6 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2026
6 d early
2025
30 d late
2024
17 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Turnover
€242k
EBIT margin
2.6%
Net result
€1k▼ 93.1%
2025 · €18k
2024: €5k
2025: €18k
2024 → 2026
Working capital
€25k▲ 5.2%
2025 · €23k
2024: €6k
2025: €23k
2024 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202420252026Trend
Turnover€242k-
Equity€6k-€23k▲ 303%€25k▲ 5.2%
Operating result€6k-€23k▲ 264%€2k▼ 92.7%
Net result€5k-€18k▲ 266%€1k▼ 93.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 93% below 2025 and is the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Equity and liabilities €35k
Equity
€25k ▲ 5.2%
Debt
€10k ▲ 91.5%
Debt's share of the balance-sheet total rises from 18.6% to 29.4%. Equity and debt are higher.
Key figures and ratios
Current ratio
3.40▼
2025 · 5.37
Debt to equity
0.42▲
2025 · 0.23
ROE
4.9%▼
2025 · 75.2%
ROA
3.5%▼
2025 · 61.2%
Debt ≤ 1 year
€10k▲
2025 · €5k
Income taxes
€348▼
2025 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2026 against 2025 · 29 lines
Balance sheet
Code20252026
Assets
Total assets20/58€29k€35k▲
Current assets29/58€29k€35k▲
Amounts receivable within one year40/41€26k€30k▲
Trade receivables40€22k€30k▲
Other amounts receivable41€4k€184▼
Cash at bank and in hand54/58€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€29k€35k▲
Equity10/15€23k€25k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€22k€24k▲
Amounts payable17/49€5k€10k▲
Amounts payable within one year42/48€5k€10k▲
Trade debts44€345€404▲
Suppliers440/4€345€404▲
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€5k€5k▲
Remuneration and social security454/9-€5k
Other amounts payable47/48€50€50=
Income statement
Code20252026
Other operating charges640/8€136€14▼
Gross operating margin9900€23k€2k▼
Operating profit (loss)9901€23k€2k▼
Financial charges65/66B€230€96▼
Recurring financial charges65€230€96▼
Profit (loss) for the period before taxes9903€23k€2k▼
Income taxes67/77€5k€348▼
Profit (loss) for the period9904€18k€1k▼
Profit (loss) for the period to be appropriated9905€18k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€24k▲
Profit (loss) brought forward from the previous period14P€5k€22k▲
The notes to these accounts (1 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 2027, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-01
Financial
Weakest financial yearnet €1k ▼93.1%
Net result drops to €1k, the lowest in the series.
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
31-01
Financial
Highest result since 2024net €18k ▲266%
Operating result €23k, net result €18k, both a record.
31-01
Financial
Liquidity triplescurrent ratio 5.37
Current ratio from 1.60 to 5.37; short-term debt falls from €10k to €5k.
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Wemmel · 1 establishment unit since 2023
Ground area
1,054 m²
Building footprint
382 m²
Volume, LiDAR
1,282 m³
2 parcels, Flanders · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CELINE CONSTRUCT
since 20232.341.492.896
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0344/00R003 | Flanders | 781 m² | 1 · 276 m² | 2.9 m |
| 23322B0100/00W016 | Flanders | 273 m² | 1 · 106 m² | 14.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Karweiwerken J. Vekemans
BE 0784.281.721
Nijlen · Eq €24,674
Patrick Sels Bouwonderneming
BE 0782.776.538
Zoersel · Eq €24,676
JRY PROJECT
BE 0800.259.304
Dilsen-Stokkem · Eq €24,672
MARKI
BE 0750.537.795
Flémalle · Eq €24,686
Bouwwerken Bjorn Van den broeck
BE 0776.346.626
Lille · Eq €24,660
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,053 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2023
Fiscal year end31-01
Activities, NACEBEL 2025
41001General construction of residential buildings
43240Other construction installation
43350Other building finishing work
43910Bricklaying and masonry work
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.