Growth
3 years
3 years of growth in a row. Turnover 2025: €94,325.
2 B&C
Lifetime
6 annual accounts with figures on one time axispeak €102,184 (2021)
€94,325▲ 11.5%
lowest -€6,020 (2023)
-€279▼ €1,444
peak €10,648 (2021)
€38▼ 88.0%
€12,561▲ 21.4%
Board2 names since 2020
2 directorsCLARYS Romain and 1 other
Documentsfilings and deeds
03-07-202628 days before the deadline
2025micro format
Gross margin from €6,178 to €1,135Loss of €279Equity from €317 to €38Debts from €10,349 to €12,561Cash from €809 to €9,308
Key points
from the 2025 annual accountsDebts
€12,561 100% of the balance sheet
Suppliers 2%Taxes and wages 11%Other 87%
Investments
€1,495 6.3 × depreciation
Green is investment, beige is depreciation.
Payment terms
4 days from customers
Customers pay 39 days earlier.
Filings
6 annual accounts 4 late
The 2020 accounts came latest: 31 days after the end of the period.
Position in the sector
€38
Less equity than 88% of companies in construction of buildings. Sector median €45,544 · 9,459 companies.
Checked score
54
Fair
Financially stronger than 28% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.9%
01-2025: 3.9%● unchanged vs 12-2024
02-2025: 3.7%▼ -0.2 percentage points vs 01-2025
03-2025: 3.5%▼ -0.2 percentage points vs 02-2025
04-2025: 3.4%▼ -0.1 percentage points vs 03-2025
05-2025: 3.3%▼ -0.1 percentage points vs 04-2025
06-2025: 3.3%● unchanged vs 05-2025
07-2025: 3.5%▲ +0.2 percentage points vs 06-2025
08-2025: 3.9%▲ +0.4 percentage points vs 07-2025highest value
09-2025: 2.6%▼ -1.3 percentage points vs 08-2025
10-2025: 2.6%● unchanged vs 09-2025
11-2025: 2.6%● unchanged vs 10-2025
12-2025: 2.6%● unchanged vs 11-2025
01-2026: 2.6%● unchanged vs 12-2025
02-2026: 2.7%▲ +0.1 percentage points vs 01-2026
03-2026: 2.7%● unchanged vs 02-2026
04-2026: 2.3%▼ -0.4 percentage points vs 03-2026
05-2026: 2.2%▼ -0.1 percentage points vs 04-2026
06-2026: 2.1%▼ -0.1 percentage points vs 05-2026
07-2026: 2.3%▲ +0.2 percentage points vs 06-2026
08-2026: 1.1%▼ -1.2 percentage points vs 07-2026lowest value
09-2026: 1.1%● unchanged vs 08-2026lowest value
10-2026: 1.1%● unchanged vs 09-2026lowest value
11-2026: 1.1%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Sector: Construction of residential and non-residential buildings (NACE 41)
Founded in 2020
lowers risk
Liquidity: current ratio 0.90, cash €9,308
Size: turnover €94,325, total assets €12,599
Calculation
The band follows from the bankruptcy probability. 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). It does better than 11% of them on solvency, 51% on liquidity, 17% on profitability and 33% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 849 companies had the same profile as 2 B&C has now. Each dot stands for 3 companies, two years later.
91.9%
were still trading
3.3%
stopped another way
4.7%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of 2 B&C itself: 1.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 849 companies, not a prediction for 2 B&C. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is insufficient, with a current ratio of 0.9 (1.03 in 2024), below 1. Short-term debt is 99.7% and cash 73.9% of total assets. 99.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 9456 sector peers (2025).
NBB · sector comparisonPosition among 9456 sector peers
Solvency
better than 12%
← 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 03-07-2026, 28 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
28 days early
2024
28 days late
2023
30 days late
2022
30 days late
2021
2 days early
2020
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 15 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- CLARYS Tristan 50 sharesdeed of 24-01-2020
- CLARYS Romain 50 sharesdeed of 24-01-2020
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0741876190
Incorporation
Founding capital of €2,000, 100 shares · Founders: CLARYS Tristan and CLARYS Romain · Appointments: CLARYS Tristan (director) and CLARYS Romain (director) · published on 24-01-2020 · Gazette deed
First establishment
Rue de la Culée 18, Walhain
Comparable companies
same main activity, similar in size and ageGrey: the largest companies of the sector (construction of buildings (NACE 41)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as 2 B&C: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €11,500 and €12,900, founded between 2019 and 2020.
Official details
Source: KBO- Status
- Active since 22-01-2020Normal situation
- Activity
- General construction of residential buildingsNACE 41001
- Establishment unit
- 2.298.579.6031457 Walhain, since 22-01-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Annual accounts 2025
- €12,599▲ 18.1%
- Filing
- Filed on 03-07-2026, 28 days before the end of the filing period
Insights on 2 B&C
2 B&C has existed since 2020. Turnover grew from €74,476 in 2020 to €94,325 in 2025.
Turnover has grown every year since 2022.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about 2 B&C
- What is the company number of 2 B&C?
- The company number of 2 B&C is 0741.876.190. The VAT number is the same number with BE in front: BE 0741.876.190.
- Where is 2 B&C based?
- The registered office is at Rue de la Culée 18, 1457 Walhain.Company details
- What does 2 B&C do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of 2 B&C?
- 2 B&C is a private limited company (BV).
- When was 2 B&C founded?
- 2 B&C was founded on 22-01-2020.
- Is 2 B&C still active?
- Yes, 2 B&C is an active enterprise in the KBO register.
- What is the turnover of 2 B&C?
- The turnover of 2 B&C was €94,325 in financial year 2025, according to the filed annual accounts.Financials
- Is 2 B&C profitable?
- In financial year 2025, 2 B&C made a loss of €279.
- Where can I find the annual accounts of 2 B&C?
- 2 B&C filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of 2 B&C due?
- 2 B&C must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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