4D Build
Active4D Build has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €-1k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 67% of 14038 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-28
Solvency77▼-23
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 16.48 in 2024; short-term debt: 47.9% and cash: 3.4% of total assets), and 47.9% 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
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52.1%
Return on assets
-1.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
18 d late
2024
5 d late
2023
25 d late
2022
26 d late
2021
58 d late
2020
23 d late
2019
85 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▼ 2.2%
2024 · €52k
2018: €31k
2019: €37k
2020: €54k
2021: €51k
2022: €53k
2023: €52k
2024: €52k
2018 → 2025
Total assets
€98k▲ 76.6%
2024 · €56k
2018: €218k
2019: €296k
2020: €121k
2021: €545k
2022: €80k
2023: €62k
2024: €56k
2018 → 2025
Net result
€-1k
2024 · €624
2018: €4k
2019: €-4k
2020: €7k
2021: €-3k
2022: €2k
2023: €-2k
2024: €624
2018 → 2025
Working capital
€51k▼ 1.8%
2024 · €52k
2018: €46k
2019: €30k
2020: €57k
2021: €57k
2022: €60k
2023: €57k
2024: €52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€53k▲ 3.5%€52k▼ 3.0%€52k▲ 1.2%€51k▼ 2.2%
Operating result€-3k-€14k€-2k€539€-3k
Net result€-3k-€2k€-2k€624€-1k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €539 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€454▼ 33.3%
Current assets
€98k▲ 77.9%
Equity and liabilities €98k
Equity
€51k▼ 2.2%
Debt
€47k▲ 1,312%
The debt ratio rises from 6.0% to 47.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-2k▼
2024 · €766
Cash flow
€-934▼
2024 · €851
Solvency
52.1%▼
2024 · 94.0%
Current ratio
2.08▼
2024 · 16.48
Quick ratio
0.29▼
2024 · 14.66
Debt / equity
0.92▲
2024 · 0.06
ROE
-2.3%▼
2024 · 1.2%
ROA
-1.2%▼
2024 · 1.1%
Interest coverage
-6.16▼
2024 · 2.97
Debt
€47k▲
2024 · €3k
Debt ≤ 1 year
€47k▲
2024 · €3k
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€56k€98k▲
Fixed assets21/28€681€454▼
Tangible fixed assets22/27€681€454▼
Furniture and vehicles24€681€454▼
Current assets29/58€55k€98k▲
Stocks and contracts in progress3€6k€84k▲
Stocks30/36€6k€6k=
Contracts in progress37-€78k
Amounts receivable within one year40/41€43k€10k▼
Trade receivables40€23k€5k▼
Other amounts receivable41€20k€5k▼
Cash at bank and in hand54/58€5k€3k▼
Deferred charges and accrued income490/1€1k€345▼
Equity and liabilities
Total equity and liabilities10/49€56k€98k▲
Equity10/15€52k€51k▼
Contributions10/11€50k€50k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Other1319€1k€1k=
Profit (loss) carried forward14€1k€110▼
Amounts payable17/49€3k€47k▲
Amounts payable within one year42/48€3k€47k▲
Trade debts44€3k-
Suppliers440/4€3k-
Other amounts payable47/48-€47k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€227€227=
Other operating charges640/8€683€771▲
Gross operating margin9900€1k€-2k▼
Operating profit (loss)9901€539€-3k▼
Financial income75/76B€343€2k▲
Recurring financial income75€343€2k▲
Financial charges65/66B€258€397▲
Recurring financial charges65€258€397▲
Profit (loss) for the period before taxes9903€624€-1k▼
Profit (loss) for the period9904€624€-1k▼
Profit (loss) for the period to be appropriated9905€624€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€110▼
Profit (loss) brought forward from the previous period14P€647€1k▲
The notes to these accounts (6 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
31-12
Financial
Back to profitnet €624
Net result €624 after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 25 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 15.69
Current ratio from 4.00 to 15.69; short-term debt falls from €20k to €4k.
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 26 days late
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 4.00
Current ratio from 1.12 to 4.00; short-term debt falls from €485k to €20k.
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 58 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 23 days late
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
24-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 85 days late
2019
31-12
Financial
Weakest financial yearnet €-4k ▼195%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 25 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Temse · 1 establishment unit since 2016
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.
Hoogkamerstraat 2139140 TemseGround area
739 m²
Building footprint
270 m²
Volume, LiDAR
37 m³
Parcel 46025B0793/00M002, Flanders · tallest building 8.6 m. Linked by address, not a title deed.
1 establishment unit
4D Build
since 20162.249.395.950
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0793/00M002 | Flanders | 739 m² | 1 · 270 m² | 8.6 m |
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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 428 EUR awarded · 428 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 428 EUR | 428 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,695 companies in sector 68121 we hold annual accounts for 7,381. 5,023 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2016
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
64999Other financial services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.4dbuild.be
E-mail:info@4dbuild.be