Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of CONSTRUCT & PLASTIC is 1.8% (moderate). The 2024 annual accounts show equity of €14k and a net result of €10k. Its solvency ranks better than 57% of 3380 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 18 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 30-10-2025 | 91 d late | 2025-00553734 |
| 31-12-2021 | 31-07-2022 | 19-08-2022 | 19 d late | 2022-20296983 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, 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 Flags
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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.8%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€10k
Working capital€13k+503.9%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 30-10-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 33.1% | 25.2% | |
| Net result | €10k | €4k | |
| Equity | €14k | €22k | |
| Gross operating margin | €12k | €19k | |
| Total assets | €41k | €105k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€12k
-
21-24
€10k
-
21-24
€10k
-
21-24
€41k
+1634.6%
21-24
€14k
+524.2%
21-24
€13k
+503.9%
21-24
€1k
-
21-24
€28k
+14412.8%
21-24
Show 8 other metrics
€28k
+14412.8%
21-24
1.48
-88.2%
21-24
1.48
-88.2%
21-24
33.1%
-64.0%
21-24
2.02
+2225.0%
21-24
73.4%
-
21-24
24.3%
-
21-24
61.83
-
21-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €12k |
| Net profit | €10k |
| Cash flow | €10k |
| Staff costs | - |
| Income taxes | €1k |
| Dividends | - |
| Total assets | €41k |
| Equity | €14k |
| Debt | €28k |
| of which ≤ 1y | €28k |
| of which > 1y | - |
| Working capital | €13k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.48 |
| Quick ratio | 1.48 |
| Working capital ratio | 32.0% |
| Solvency | 33.1% |
| Debt / equity | 2.02 |
| Long-term debt ratio | - |
| Interest coverage | 61.83 |
| Gross margin | - |
| Net margin | - |
| ROA | 24.3% |
| ROE | 73.4% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €41k |
| Fixed assets | 21/28 | €445 |
| Tangible fixed assets | 22/27 | €445 |
| Current assets | 29/58 | €41k |
| Amounts receivable within one year | 40/41 | €37k |
| Cash & bank | 54/58 | €3k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €41k |
| Equity | 10/15 | €14k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €11k |
| Amounts payable | 17/49 | €28k |
| Amounts payable within one year | 42/48 | €28k |
| Trade debts payable within one year | 44 | €6k |
| Income statement | ||
| Gross operating margin | 9900 | €12k |
| Operating result | 9901 | €11k |
| Financial income | 75 | €210 |
| Financial charges | 65 | €189 |
| Result before taxes | 9903 | €12k |
| Income taxes | 67/77 | €1k |
| Net result for the period | 9904 | €10k |
| Result to be appropriated | 9905 | €10k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed86
/ 100
Excellent
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.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
2 directors2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
Current10-08-2026 → present
Former directors (1)
-
Former- → 10-08-2026
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Niet-gespecialiseerde groothandel(46900) |
| Legal form | Private limited company(610) |
| Incorporation | 24-06-2021 |
| Status | Active |
| Postal code | 1800 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationCONSTRUCT & PLASTIC
since 20212.321.472.096
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area343 m²
Buildings2
Building footprint221 m²
Volume (LiDAR)1,656 m³
Tallest building16.0 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23582E0280/00R000 | Flanders | 191 m² | 1 · 109 m² | 11.0 m · 2 fl. |
| 23644H0189/00L000 | Flanders | 152 m² | 1 · 113 m² | 15.9 m · 3 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgian State Gazette · acts
1 of 3 acts readOf the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not 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.
What every Belgian State Gazette publication actually says, each act broken down into appointments, capital movements, seat moves and statute amendments.
2026
10-08-2026
General meeting · Director resignation · Director appointment
- General meeting , 01/07/2026
- Director resignation, Kink Hur (bestuurder)
- Director appointment, Afzal Ghulam Mohammad (algemeen bestuurder)
- Registered-office move , Bergensensteenweg 332.1600 Sint-Pietersleeuw
Analysis
Financial profile
5 of 5 axes measured84
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
100
Solvency
63
Growth
78
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 112 of the 1,555 companies in this sector. 59 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Niet-gespecialiseerde groothandel46900Niet-gespecialiseerde groothandel46900Loodgieterswerk43221Sanitaire werkzaamheden43221Installatie van verwarming, klimaatregeling en ventilatie43222Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit43222Schrijnwerk43320Schrijnwerk43320Plaatsen van vloer- en wandtegels43331Plaatsen van vloer- en wandtegels43331Groothandel in overige bouwmaterialen46739Groothandel in overige bouwmaterialen46839
Primary activity highlighted.
Names & trade names
| Legal nameNL | CONSTRUCT & PLASTIC |
Registered office
Bergensesteenweg 332
1600 Sint-Pieters-Leeuw, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.