A. BGS TERRASSEMENT
ActiveThe computed 12-month bankruptcy probability of A. BGS TERRASSEMENT is 2.6% (moderate). The 2025 annual accounts show equity of €81k and a net result of €24k. Its solvency ranks better than 22% of 7689 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency18▲+7
Growth52
Stability94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.56 against 0.35 in 2024), and 78.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
21.1%
Return on assets
6.3%
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 22% of 7689 sector peers (2025).
NBB · sector comparisonPosition among 7689 sector peers
Solvency
better than 22%
← 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 02-07-2026, 29 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
29 d early
2024
1 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€24k▼ 48.5%
2024 · €47k
2024: €47k
2024 → 2025
Working capital
€-83k▲ 13.2%
2024 · €-96k
2024: €-96k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€49k-€81k▲ 63.6%
Operating result€67k-€34k▼ 49.2%
Net result€47k-€24k▼ 48.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €383k
Fixed assets
€279k▲ 12.1%
Current assets
€105k▲ 102%
Equity and liabilities €383k
Equity
€81k▲ 63.6%
Debt
€303k▲ 20.5%
The debt ratio falls from 83.6% to 78.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€164k▼
2024 · €208k
Cash flow
€154k▼
2024 · €188k
Solvency
21.1%▲
2024 · 16.4%
Current ratio
0.56▲
2024 · 0.35
Quick ratio
0.56▲
2024 · 0.35
Debt / equity
3.75▼
2024 · 5.09
ROE
29.9%▼
2024 · 94.9%
ROA
6.3%▼
2024 · 15.6%
Interest coverage
18.98▲
2024 · 15.88
Debt
€303k▲
2024 · €251k
Debt ≤ 1 year
€188k▲
2024 · €148k
Debt > 1 year
€115k▲
2024 · €103k
Income taxes
€5k▼
2024 · €7k
Staff costs
€2k▼
2024 · €52k
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€300k€383k▲
Fixed assets21/28€249k€279k▲
Tangible fixed assets22/27€248k€278k▲
Plant, machinery and equipment23€63k€51k▼
Furniture and vehicles24€8k€103k▲
Leasing and similar rights25€178k€124k▼
Financial fixed assets28€200€335▲
Current assets29/58€52k€105k▲
Amounts receivable within one year40/41€18k€27k▲
Trade receivables40€7k€13k▲
Other amounts receivable41€11k€14k▲
Cash at bank and in hand54/58€34k€78k▲
Equity and liabilities
Total equity and liabilities10/49€300k€383k▲
Equity10/15€49k€81k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€47k€71k▲
Investment grants15-€7k
Amounts payable17/49€251k€303k▲
Amounts payable after more than one year17€103k€115k▲
Financial debts170/4€103k€115k▲
Amounts payable within one year42/48€148k€188k▲
Current portion of amounts payable after more than one year42€68k€112k▲
Trade debts44€14k€7k▼
Suppliers440/4€14k€7k▼
Taxes, remuneration and social security45€10k€12k▲
Taxes450/3€7k€12k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€55k€57k▲
Income statement
Code20242025
Non-recurring operating income76A€33k€15k▼
Remuneration, social security and pensions62€52k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€141k€130k▼
Other operating charges640/8€919€989▲
Gross operating margin9900€260k€167k▼
Operating profit (loss)9901€67k€34k▼
Financial income75/76B-€4k
Recurring financial income75-€4k
Financial charges65/66B€13k€9k▼
Recurring financial charges65€13k€9k▼
Profit (loss) for the period before taxes9903€54k€29k▼
Income taxes67/77€7k€5k▼
Profit (loss) for the period9904€47k€24k▼
Profit (loss) for the period to be appropriated9905€47k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€71k▲
Profit (loss) brought forward from the previous period14P-€47k
Social balance
Average headcount (FTE)90870.90.0▼
The notes to these accounts (17 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Frasnes-lez-Anvaing · 1 establishment unit since 2023
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.
Grand-Vivier(B) 77911 Frasnes-lez-AnvaingGround area
2,901 m²
Parcel 51013A0327/00Y000, Wallonia. Linked by address, not a title deed.
1 establishment unit
A. BGS TERRASSEMENT
since 20232.347.308.938
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51013A0327/00Y000 | Wallonia | 2,901 m² | - | - |
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
MERTENS GROND -EN AFBRAAKWERKEN
BE 0801.691.340
Malle · Eq €81k
THERET Cyriel & Sébastien
BE 1021.890.743
Vresse-sur-Semois · Eq €81k
BAELE PHILIP
BE 0844.075.588
Zwalm · Eq €81k
KRAANMANVERHUUR LEUS
BE 0808.453.428
Brakel · Eq €81k
WB Algemene werken
BE 1016.915.534
Balen · Eq €81k
Of 8,454 companies in sector 43120 we hold annual accounts for 3,232. 2,611 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2023
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.