2B CONSTRUCTIVE
Active2B CONSTRUCTIVE has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €209k and a net result of €73k. Equity is growing by ~45.1% per year across the filed fiscal years. Its solvency ranks better than 77% of 9095 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 10.97 against 3.77 in 2024), and 32.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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
67.7%
Return on assets
23.7%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
27 d early
2023
on the day
2022
2 d early
2021
1 d early
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€209k▲ 53.7%
2024 · €136k
2018: €23k
2019: €9k
2020: €37k
2021: €32k
2022: €24k
2023: €91k
2024: €136k
2018 → 2025
Total assets
€308k▲ 10.3%
2024 · €279k
2018: €238k
2019: €230k
2020: €255k
2021: €228k
2022: €236k
2023: €189k
2024: €279k
2018 → 2025
Net result
€73k▲ 63.1%
2024 · €45k
2018: €-13k
2019: €-14k
2020: €28k
2021: €3k
2022: €-7k
2023: €67k
2024: €45k
2018 → 2025
Working capital
€275k▲ 38.6%
2024 · €198k
2018: €102k
2019: €91k
2020: €128k
2021: €134k
2022: €139k
2023: €147k
2024: €198k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€24k▼ 23.0%€91k▲ 273%€136k▲ 49.0%€209k▲ 53.7%
Operating result€10k-€15k▲ 51.3%€105k▲ 579%€54k▼ 48.9%€76k▲ 41.8%
Net result€3k-€-7k€67k€45k▼ 33.0%€73k▲ 63.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 42% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €308k
Fixed assets
€6k▼ 39.8%
Current assets
€302k▲ 12.0%
Equity and liabilities €308k
Equity
€209k▲ 53.7%
Provisions
€71k=
Debt
€28k▼ 60.8%
The debt ratio falls from 26.0% to 9.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€81k▲
2024 · €61k
Cash flow
€77k▲
2024 · €51k
Solvency
67.7%▲
2024 · 48.6%
Current ratio
10.97▲
2024 · 3.77
Quick ratio
10.97▲
2024 · 3.77
Debt / equity
0.14▼
2024 · 0.53
ROE
34.9%▲
2024 · 32.9%
ROA
23.7%▲
2024 · 16.0%
Interest coverage
4.00▲
2024 · 2.72
Debt
€28k▼
2024 · €73k
Debt ≤ 1 year
€28k▼
2024 · €72k
Income taxes
€30k▲
2024 · €25k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€279k€308k▲
Fixed assets21/28€9k€6k▼
Tangible fixed assets22/27€9k€6k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€8k€4k▼
Current assets29/58€270k€302k▲
Amounts receivable within one year40/41€19k€21k▲
Trade receivables40€19k€21k▲
Other amounts receivable41€489€0▼
Current investments50/53€218k€245k▲
Cash at bank and in hand54/58€24k€29k▲
Deferred charges and accrued income490/1€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€279k€308k▲
Equity10/15€136k€209k▲
Contributions10/11€12k€12k=
Reserves13€123k€196k▲
Distributable reserves133€123k€196k▲
Provisions and deferred taxes16€71k€71k=
Provisions for liabilities and charges160/5€71k€71k=
Pensions and similar obligations160€71k€71k=
Amounts payable17/49€73k€28k▼
Amounts payable within one year42/48€72k€28k▼
Financial debts43€29k€0▼
Credit institutions430/8€29k€0▼
Trade debts44€5k€520▼
Suppliers440/4€5k€520▼
Taxes, remuneration and social security45€33k€18k▼
Taxes450/3€33k€18k▼
Other amounts payable47/48€5k€9k▲
Accrued charges and deferred income492/3€900€900=
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€4k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€5k€6k▲
Gross operating margin9900€65k€86k▲
Operating profit (loss)9901€54k€76k▲
Financial income75/76B€38k€47k▲
Recurring financial income75€38k€47k▲
Financial charges65/66B€22k€20k▼
Recurring financial charges65€22k€20k▼
Profit (loss) for the period before taxes9903€69k€103k▲
Income taxes67/77€25k€30k▲
Profit (loss) for the period9904€45k€73k▲
Profit (loss) for the period to be appropriated9905€45k€73k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€73k▲
Transfer to equity691/2€45k€73k▲
To other reserves6921€45k€73k▲
Social balance
Average headcount (FTE)90870.0-
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
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €73k ▲63.1%
Net result €73k, the highest in the series.
30-09
Financial
Liquidity triplescurrent ratio 10.97
Current ratio from 3.77 to 10.97; short-term debt falls from €72k to €28k.
30-09
Financial
Equity above €200kEq €209k ▲53.7%
3 profitable years in a row build equity to €209k.
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Equity above €100kEq €136k ▲49%
2 profitable years in a row build equity to €136k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Back to profitnet €67k
Net result €67k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 6.65
Current ratio from 3.17 to 6.65; short-term debt falls from €64k to €26k.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Meise · 1 establishment unit since 1998
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.
Kapellelaan 3161860 MeiseGround area
151 m²
Building footprint
151 m²
Volume, LiDAR
771 m³
Parcel 23050D0464/00X002, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
2B CONSTRUCTIVE
since 19982.086.144.455
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23050D0464/00X002 | Flanders | 151 m² | 1 · 151 m² | 9.1 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
2549004MQZJFYW4ODN19
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Of 9,635 companies in sector 68121 we hold annual accounts for 7,328. 5,270 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-1998
Fiscal year end30-09
Activities, NACEBEL
68121Development of residential building projects
70111
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.