1ste Build Expert Group
ActiveSummary
The computed 12-month bankruptcy probability of 1ste Build Expert Group is 1.7% (moderate). The 2025 annual accounts show equity of €117k and a net result of €57k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 22% of 27786 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+13
Solvency45▲+9
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.08 in 2024; short-term debt: 66.8% and cash: 11.9% of total assets), and 80.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
6 d early
2023
6 d early
2022
2 d late
2021
2 d late
2020
9 d late
2019
2 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€117k▲ 93.5%
2024 · €61k
2019: €49k
2020: €56k
2021: €56k
2022: €61k
2023: €64k
2024: €61k
2019 → 2025
Total assets
€589k▲ 11.1%
2024 · €530k
2019: €250k
2020: €218k
2021: €238k
2022: €343k
2023: €319k
2024: €530k
2019 → 2025
Net result
€57k
2024 · €-3k
2019: €3k
2020: €8k
2021: €-472
2022: €6k
2023: €3k
2024: €-3k
2019 → 2025
Working capital
€103k▲ 227%
2024 · €32k
2019: €62k
2020: €46k
2021: €46k
2022: €18k
2023: €10k
2024: €32k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€61k▲ 9.9%€64k▲ 4.1%€61k▼ 5.0%€117k▲ 93.5%
Operating result€7k-€13k▲ 95.5%€8k▼ 40.4%€3k▼ 67.4%€83k▲ 3,200%
Net result€-472-€6k€3k▼ 54.4%€-3k€57k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3,200% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €589k
Fixed assets
€92k ▼ 12.4%
Current assets
€497k ▲ 16.9%
Equity and liabilities €589k
Equity
€117k ▲ 93.5%
Debt
€472k ▲ 0.4%
Debt's share of the balance-sheet total falls from 88.6% to 80.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€100k▲
2024 · €23k
Cash flow
€74k▲
2024 · €18k
Current ratio
1.26▲
2024 · 1.08
Quick ratio
0.45▲
2024 · 0.43
Debt to equity
4.02▼
2024 · 7.74
ROE
48.3%▲
2024 · -5.2%
ROA
9.6%▲
2024 · -0.6%
Interest coverage
42.53▲
2024 · 8.80
Debt ≤ 1 year
€394k▲
2024 · €393k
Debt > 1 year
€67k▼
2024 · €76k
Income taxes
€24k▲
2024 · €3k
Staff costs
€25k▲
2024 · €23k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€530k€589k▲
Fixed assets21/28€105k€92k▼
Tangible fixed assets22/27€105k€92k▼
Land and buildings22€86k€78k▼
Plant, machinery and equipment23€12k€7k▼
Furniture and vehicles24€7k€7k▼
Current assets29/58€425k€497k▲
Stocks and contracts in progress3€257k€319k▲
Stocks30/36€257k€319k▲
Amounts receivable within one year40/41€115k€108k▼
Trade receivables40€102k€98k▼
Other amounts receivable41€13k€10k▼
Cash at bank and in hand54/58€53k€70k▲
Deferred charges and accrued income490/1-€64
Equity and liabilities
Total equity and liabilities10/49€530k€589k▲
Equity10/15€61k€117k▲
Contributions10/11-€6k
Reserves13€8k€59k▲
Distributable reserves133€8k€59k▲
Profit (loss) carried forward14€53k€53k=
Amounts payable17/49€469k€472k▲
Amounts payable after more than one year17€76k€67k▼
Financial debts170/4€76k€67k▼
Amounts payable within one year42/48€393k€394k▲
Current portion of amounts payable after more than one year42€72k€40k▼
Trade debts44€55k€39k▼
Suppliers440/4€55k€39k▼
Taxes, remuneration and social security45€11k€30k▲
Taxes450/3€3k€24k▲
Remuneration and social security454/9€8k€6k▼
Other amounts payable47/48€255k€285k▲
Accrued charges and deferred income492/3-€11k
Income statement
Code20242025
Remuneration, social security and pensions62€23k€25k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€17k▼
Other operating charges640/8€3k€10k▲
Gross operating margin9900€50k€134k▲
Operating profit (loss)9901€3k€83k▲
Financial income75/76B€8€22▲
Recurring financial income75€8€22▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-133€80k▲
Income taxes67/77€3k€24k▲
Profit (loss) for the period9904€-3k€57k▲
Profit (loss) for the period to be appropriated9905€-3k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€109k▲
Profit (loss) brought forward from the previous period14P€56k€53k▼
Transfer to equity691/2-€57k
To other reserves6921-€57k
The notes to these accounts (8 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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €57k
Net result €57k after one loss-making year.
31-03
Financial
Equity above €100kEq €117k ▲93.5%
Equity rises from €61k to €117k.
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €-3k ▼226%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
2023
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
31-03
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
24-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
07-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Anderlecht · 1 establishment unit since 2013
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.
Erasmusstraat 37-391070 AnderlechtGround area
309 m²
Building footprint
176 m²
Volume, LiDAR
1,682 m³
Parcel 21001A0856/00E013, Brussels · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Erasmusstraat 37-39, 1070 Anderlecht
since 20132.224.449.134
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21001A0856/00E013 | Brussels | 309 m² | 1 · 176 m² | 15.7 m · 4 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
ENTREPRIEZ
BE 0898.586.125
Gent · Eq €117,479
STORDEUR TRAVAUX
BE 0864.621.079
Vaux-sur-Sûre · Eq €117,483
KARWEI EN RENOVATIEWERKEN STIJN BEVERS
BE 0825.839.489
Kontich · Eq €117,531
M.F.D. & Renov
BE 0783.670.126
Zaventem · Eq €117,535
SPRAYSTONE THEMING
BE 1002.612.487
Liège · Eq €117,344
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,205 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
Founded15-11-2013
Fiscal year end31-03
Activities, NACEBEL 2025
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.