Foubert construct
ActiveSummary
The computed 12-month bankruptcy probability of Foubert construct is 1.7% (moderate). The 2025 annual accounts show equity of €220k and a net result of €17k. Equity is growing by ~26.4% per year across the filed fiscal years. Its solvency ranks better than 18% of 994 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability46▼-34
Solvency42▼-26
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 2.78 in 2024; short-term debt: 8.1% and cash: 2.1% of total assets), and 83.3% of the assets are financed with debt.
Credit check 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 · 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 42
Relative position
BE, all sectors
reference
Civil engineering (NACE 42)
about 27% more bankruptcies
← 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
16.7%
Return on assets
1.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 994 sector peers (2025).
NBB · sector comparisonPosition among 994 sector peers
Solvency
better than 18%
← weakest
strongest →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
16 d early
2024
9 d early
2023
15 d early
2022
12 d early
2021
11 d early
2020
10 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€220k▲ 8.6%
2024 · €203k
2020: €45klowest in 6 years
2021: €85k▲ +86.5% vs 2020
2022: €128k▲ +51.1% vs 2021
2023: €161k▲ +25.9% vs 2022
2024: €203k▲ +25.9% vs 2023
2025: €220k▲ +8.6% vs 2024highest in 6 years
2020 → 2025
Total assets
€1.32M▲ 180%
2024 · €472k
2020: €550k
2021: €477k▼ -13.2% vs 2020
2022: €458k▼ -4.1% vs 2021
2023: €429k▼ -6.3% vs 2022lowest in 6 years
2024: €472k▲ +10.0% vs 2023
2025: €1.32M▲ +180% vs 2024highest in 6 years
2020 → 2025
Net result
€17k▼ 58.2%
2024 · €42k
2020: €39k
2021: €39k▲ +0.2% vs 2020
2022: €43k▲ +10.1% vs 2021highest in 6 years
2023: €33k▼ -23.3% vs 2022
2024: €42k▲ +25.9% vs 2023
2025: €17k▼ -58.2% vs 2024lowest in 6 years
2020 → 2025
Working capital
€38k▼ 69.6%
2024 · €126k
2020: €107k
2021: €48k▼ -54.8% vs 2020
2022: €49k▲ +0.7% vs 2021
2023: €89k▲ +81.7% vs 2022
2024: €126k▲ +42.7% vs 2023highest in 6 years
2025: €38k▼ -69.6% vs 2024lowest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€85k-€128k▲ 51.1%€161k▲ 25.9%€203k▲ 25.9%€220k▲ 8.6%
2021: €85klowest in 5 years
2022: €128k▲ +51.1% vs 2021
2023: €161k▲ +25.9% vs 2022
2024: €203k▲ +25.9% vs 2023
2025: €220k▲ +8.6% vs 2024highest in 5 years
Operating result€52k-€63k▲ 19.6%€53k▼ 16.2%€69k▲ 31.9%€61k▼ 12.3%
2021: €52klowest in 5 years
2022: €63k▲ +19.6% vs 2021
2023: €53k▼ -16.2% vs 2022
2024: €69k▲ +31.9% vs 2023highest in 5 years
2025: €61k▼ -12.3% vs 2024
Net result€39k-€43k▲ 10.1%€33k▼ 23.3%€42k▲ 25.9%€17k▼ 58.2%
2021: €39k
2022: €43k▲ +10.1% vs 2021highest in 5 years
2023: €33k▼ -23.3% vs 2022
2024: €42k▲ +25.9% vs 2023
2025: €17k▼ -58.2% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.32M
Fixed assets
€1.18M ▲ 329%
Current assets
€146k ▼ 26.1%
Equity and liabilities €1.32M
Equity
€220k ▲ 8.6%
Debt
€1.10M ▲ 310%
Debt's share of the balance-sheet total rises from 57.0% to 83.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€93k▼
2024 · €104k
Cash flow
€50k▼
2024 · €76k
Current ratio
1.36▼
2024 · 2.78
Quick ratio
0.65▼
2024 · 2.16
Debt to equity
5.00▲
2024 · 1.33
ROE
7.9%▼
2024 · 20.6%
ROA
1.3%▼
2024 · 8.9%
Interest coverage
3.10▼
2024 · 35.49
Debt ≤ 1 year
€108k▲
2024 · €71k
Debt > 1 year
€995k▲
2024 · €198k
Income taxes
€14k▼
2024 · €25k
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 · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€472k€1.32M▲
Fixed assets21/28€274k€1.18M▲
Tangible fixed assets22/27€272k€1.18M▲
Land and buildings22€241k€1.14M▲
Plant, machinery and equipment23€9k€26k▲
Furniture and vehicles24€8k€11k▲
Leasing and similar rights25€14k-
Financial fixed assets28€2k-
Current assets29/58€198k€146k▼
Stocks and contracts in progress3€44k€76k▲
Stocks30/36€44k€76k▲
Amounts receivable within one year40/41€120k€36k▼
Trade receivables40€102k€12k▼
Other amounts receivable41€17k€24k▲
Current investments50/53€34k-
Cash at bank and in hand54/58-€28k
Deferred charges and accrued income490/1-€6k
Equity and liabilities
Total equity and liabilities10/49€472k€1.32M▲
Equity10/15€203k€220k▲
Contributions10/11€6k€6k=
Reserves13€197k€214k▲
Distributable reserves133€197k€214k▲
Amounts payable17/49€269k€1.10M▲
Amounts payable after more than one year17€198k€995k▲
Financial debts170/4€198k€995k▲
Amounts payable within one year42/48€71k€108k▲
Current portion of amounts payable after more than one year42€26k€64k▲
Trade debts44€3k€13k▲
Suppliers440/4€3k€13k▲
Advances received on contracts in progress46-€5k
Taxes, remuneration and social security45€42k€27k▼
Taxes450/3€42k€27k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€32k▼
Other operating charges640/8€10k€5k▼
Gross operating margin9900€114k€98k▼
Operating profit (loss)9901€69k€61k▼
Financial income75/76B€822€557▼
Recurring financial income75€822€557▼
Financial charges65/66B€3k€30k▲
Recurring financial charges65€3k€30k▲
Profit (loss) for the period before taxes9903€67k€31k▼
Income taxes67/77€25k€14k▼
Profit (loss) for the period9904€42k€17k▼
Profit (loss) for the period to be appropriated9905€42k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€17k▼
Transfer to equity691/2€42k€17k▼
To other reserves6921€42k€17k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26k | €36k | €38k | €34k | €32k | ▼ 6.2% |
| Other operating charges640/8 | €2k | €3k | €3k | €10k | €5k | ▼ 55.4% |
| Gross operating margin9900 | €81k | €102k | €93k | €114k | €98k | ▼ 14.4% |
| Operating profit (loss)9901 | €52k | €63k | €53k | €69k | €61k | ▼ 12.3% |
| Financial income75/76B | €2k | €2k | €994 | €822 | €557 | ▼ 32.2% |
| Recurring financial income75 | €2k | €2k | €994 | €822 | €557 | ▼ 32.2% |
| Financial charges65/66B | €4k | €4k | €4k | €3k | €30k | ▲ 927% |
| Recurring financial charges65 | €4k | €4k | €4k | €3k | €30k | ▲ 927% |
| Profit (loss) for the period before taxes9903 | €51k | €61k | €50k | €67k | €31k | ▼ 53.4% |
| Income taxes67/77 | €12k | €18k | €17k | €25k | €14k | ▼ 45.6% |
| Profit (loss) for the period9904 | €39k | €43k | €33k | €42k | €17k | ▼ 58.2% |
| Profit (loss) for the period to be appropriated9905 | €39k | €43k | €33k | €42k | €17k | ▼ 58.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €477k | €458k | €429k | €472k | €1.32M | ▲ 180% |
| Fixed assets21/28 | €361k | €330k | €296k | €274k | €1.18M | ▲ 329% |
| Tangible fixed assets22/27 | €361k | €330k | €295k | €272k | €1.18M | ▲ 332% |
| Land and buildings22 | €272k | €262k | €251k | €241k | €1.14M | ▲ 373% |
| Plant, machinery and equipment23 | €47k | €35k | €19k | €9k | €26k | ▲ 183% |
| Furniture and vehicles24 | €6k | €5k | €3k | €8k | €11k | ▲ 32.8% |
| Leasing and similar rights25 | €36k | €29k | €22k | €14k | - | - |
| Financial fixed assets28 | - | €268 | €823 | €2k | - | - |
| Current assets29/58 | €116k | €127k | €133k | €198k | €146k | ▼ 26.1% |
| Stocks and contracts in progress3 | €34k | €42k | €47k | €44k | €76k | ▲ 72.7% |
| Stocks30/36 | €34k | €42k | €47k | €44k | €76k | ▲ 72.7% |
| Amounts receivable within one year40/41 | €21k | €59k | €54k | €120k | €36k | ▼ 69.7% |
| Trade receivables40 | €9k | €41k | €26k | €102k | €12k | ▼ 87.9% |
| Other amounts receivable41 | €12k | €18k | €28k | €17k | €24k | ▲ 36.6% |
| Current investments50/53 | - | - | €32k | €34k | - | - |
| Cash at bank and in hand54/58 | €37k | €26k | - | - | €28k | - |
| Deferred charges and accrued income490/1 | €24k | - | - | - | €6k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €477k | €458k | €429k | €472k | €1.32M | ▲ 180% |
| Equity10/15 | €85k | €128k | €161k | €203k | €220k | ▲ 8.6% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €79k | €122k | €155k | €197k | €214k | ▲ 8.9% |
| Distributable reserves133 | €79k | €122k | €155k | €197k | €214k | ▲ 8.9% |
| Amounts payable17/49 | €393k | €330k | €268k | €269k | €1.10M | ▲ 310% |
| Amounts payable after more than one year17 | €283k | €251k | €224k | €198k | €995k | ▲ 403% |
| Financial debts170/4 | €283k | €251k | €224k | €198k | €995k | ▲ 403% |
| Amounts payable within one year42/48 | €68k | €79k | €44k | €71k | €108k | ▲ 51.2% |
| Current portion of amounts payable after more than one year42 | €14k | €32k | €27k | €26k | €64k | ▲ 145% |
| Financial debts43 | €18k | - | - | - | - | - |
| Credit institutions430/8 | €18k | - | - | - | - | - |
| Trade debts44 | €2k | €28k | - | €3k | €13k | ▲ 341% |
| Suppliers440/4 | €2k | €28k | - | €3k | €13k | ▲ 341% |
| Advances received on contracts in progress46 | - | - | - | - | €5k | - |
| Taxes, remuneration and social security45 | €25k | €18k | €17k | €42k | €27k | ▼ 37.2% |
| Taxes450/3 | €25k | €18k | €17k | €42k | €27k | ▼ 37.2% |
| Other amounts payable47/48 | €9k | €2k | - | - | - | - |
| Accrued charges and deferred income492/3 | €42k | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €39k | €43k | €33k | €42k | €17k | ▼ 58.2% |
| + Depreciation and write-downs630 | €26k | €36k | €38k | €34k | €32k | ▼ 6.2% |
| Operating cash flow (approximation) | €66k | €80k | €71k | €76k | €50k | ▼ 34.8% |
| Investment in fixed assets (approximation) | - | €-5k | €-4k | €-12k | €-935k | ▼ 7,526% |
| Change in cash | - | €-10k | - | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €17k ▼58.2%
Net result drops to €17k, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €203k ▲25.9%
5 profitable years in a row build equity to €203k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €161k ▲25.9%
4 profitable years in a row build equity to €161k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €43k ▲10.1%
Net result €43k, the highest in the series.
31-12
Financial
Equity above €100kEq €128k ▲51.1%
3 profitable years in a row build equity to €128k.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Beveren-Kruibeke-Zwijndrecht · 2 establishment units since 2019
Ground area
3.4 ha
Building footprint
1.5 ha
Volume, LiDAR
120,919 m³
3 parcels, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
2 establishment units
CT Pools
since 20192.293.268.555
CT Pools
since 20202.318.291.585
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46013B0849/00B002 | Flanders | 3.3 ha | 1 · 1.5 ha | 12.4 m · 3 fl. |
| 46018A0168/00F002 | Flanders | 1,372 m² | - | - |
| 46017B0076/00D000 | Flanders | 328 m² | 1 · 125 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 392 companies in sector 42990 we hold annual accounts for 182. 129 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-09-2019
Fiscal year end31-12
Trade name NL
CT Pools
Activities, NACEBEL 2025
42990Civil engineering
Scores and ratios are computed by Checked and are not a credit decision.