A+ BUILDING FINISHERS
ActiveA+ BUILDING FINISHERS has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €342k and a net result of €22k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 88% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▼-31
Solvency100▲+3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 6.32 against 3.6 in 2024; short-term debt: 15.8% and cash: 90.8% of total assets), and 15.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
84.2%
Return on assets
5.3%
Age of the figures
12 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 08-04-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
30 d early
2023
28 d early
2022
18 d early
2021
9 d early
2020
18 d early
2019
31 d early
← 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
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€342k▲ 6.8%
2024 · €320k
2018: €181k
2019: €156k
2020: €156k
2021: €191k
2022: €259k
2023: €291k
2024: €320k
2018 → 2025
Total assets
€406k▼ 8.4%
2024 · €444k
2018: €203k
2019: €281k
2020: €264k
2021: €284k
2022: €344k
2023: €408k
2024: €444k
2018 → 2025
Net result
€22k▼ 72.3%
2024 · €78k
2018: €50k
2019: €49k
2020: €61k
2021: €65k
2022: €68k
2023: €70k
2024: €78k
2018 → 2025
Working capital
€342k▲ 6.8%
2024 · €320k
2018: €181k
2019: €156k
2020: €156k
2021: €181k
2022: €256k
2023: €291k
2024: €320k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€191k-€259k▲ 35.6%€291k▲ 12.0%€320k▲ 10.2%€342k▲ 6.8%
Operating result€96k-€103k▲ 8.1%€107k▲ 3.9%€118k▲ 10.2%€36k▼ 69.7%
Net result€65k-€68k▲ 4.2%€70k▲ 3.3%€78k▲ 11.4%€22k▼ 72.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 70% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €406k
Equity
€342k▲ 6.8%
Debt
€64k▼ 47.9%
The debt ratio falls from 27.8% to 15.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
84.2%▲
2024 · 72.2%
Current ratio
6.32▲
2024 · 3.60
Quick ratio
5.84▲
2024 · 3.34
Debt / equity
0.19▼
2024 · 0.39
ROE
6.4%▼
2024 · 24.5%
ROA
5.3%▼
2024 · 17.7%
Debt
€64k▼
2024 · €123k
Debt ≤ 1 year
€64k▼
2024 · €123k
Income taxes
€12k▼
2024 · €37k
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€444k€406k▼
Current assets29/58€444k€406k▼
Stocks and contracts in progress3€31k€31k▲
Stocks30/36€31k€31k▲
Amounts receivable within one year40/41€14k€4k▼
Trade receivables40€12k€2k▼
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€397k€369k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€444k€406k▼
Equity10/15€320k€342k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€259k€280k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€253k€274k▲
Amounts payable17/49€123k€64k▼
Amounts payable within one year42/48€123k€64k▼
Financial debts43€33k€33k=
Credit institutions430/8€33k€33k=
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€20k€10k▼
Taxes450/3€20k€10k▼
Other amounts payable47/48€68k€20k▼
Accrued charges and deferred income492/3€35€35=
Income statement
Code20242025
Other operating charges640/8€2k€2k▼
Gross operating margin9900€120k€37k▼
Operating profit (loss)9901€118k€36k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€116k€34k▼
Income taxes67/77€37k€12k▼
Profit (loss) for the period9904€78k€22k▼
Profit (loss) for the period to be appropriated9905€78k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€78k€22k▼
Transfer from equity791/2€49k-
Transfer to equity691/2€78k€22k▼
To other reserves6921€78k€22k▼
Profit to be distributed694/7€49k-
Return on contributions (dividend)694€49k-
The notes to these accounts (2 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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €22k ▼72.3%
Net result drops to €22k, the lowest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €78k ▲11.4%
Operating result €118k, net result €78k, both a record.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €200kEq €259k ▲35.6%
5 profitable years in a row build equity to €259k.
21-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
04-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Zoutleeuw · 1 establishment unit since 2005
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.
Grote Steenweg 77A3440 ZoutleeuwGround area
4,589 m²
Building footprint
180 m²
Volume, LiDAR
1,256 m³
Parcel 24036B0528/00L000, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
A+BUILDING FINISHERS
since 20052.155.135.706
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24036B0528/00L000 | Flanders | 4,589 m² | 1 · 180 m² | 11.7 m · 3 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
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ASW Rondas
BE 0818.597.351
Beveren-Kruibeke-Zwijndrecht · Eq €341k
ANDRENO
BE 0715.668.770
Antwerpen · Eq €340k
DE MEYER M & P
BE 0473.019.807
Tremelo · Eq €340k
Of 4,010 companies in sector 43310 we hold annual accounts for 1,745. 1,170 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-09-2005
Fiscal year end30-09
Activities, NACEBEL
43310Plastering work
43320Joinery installation
43331Floor and wall tiling
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.