A&E Bouw
ActiveThe file of A&E Bouw contains 1 historical bankruptcy publication, as published in the Belgian State Gazette.
Summary
The computed 12-month bankruptcy probability is 1.3% (low). The 2024 annual accounts show equity of €100,781 and a net result of -€8,575. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 72% of 9974 sector peers (fiscal year 2024).
Checked score
Score 2024
Axes · tick = 2023
Profitability15▼-61
Solvency89▲+42
Growth52▼-26
Track record85
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.55 against 1.24 in 2023; short-term debt: 36.5% and cash: 2.6% of total assets), and 36.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
63.5%
Return on assets
-5.4%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-08-2025, 7 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
7 d late
2023
134 d late
2022
441 d late
2021
583 d late
2020
566 d late
2019
931 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 444 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€100,781▼ 7.8%
2023 · €109,356
Total assets
€158,681▼ 67.9%
2023 · €493,705
Net result
-€8,575
2023 · €29,425
Working capital
€89,658▼ 4.0%
2023 · €93,348
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€107,127▲ 893%-€22,169€5,488€52,902▲ 864%€3,630▼ 93.1%
Net result€80,094▲ 6,036%-€21,745€6,826€29,425▲ 331%-€8,575
Equity€94,849▲ 543%€73,104▼ 22.9%€79,931▲ 9.3%€109,356▲ 36.8%€100,781▼ 7.8%
Total assets€463,802▲ 148%€411,161▼ 11.4%€427,504▲ 4.0%€493,705▲ 15.5%€158,681▼ 67.9%
Debt€368,953▲ 114%€338,056▼ 8.4%€347,573▲ 2.8%€384,350▲ 10.6%€57,900▼ 84.9%
Working capital€94,160▲ 600%€67,751▼ 28.0%€76,361▲ 12.7%€93,348▲ 22.2%€89,658▼ 4.0%
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 2024; 2024 is 93% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €158,681
Fixed assets
€11,123 ▼ 30.5%
Current assets
€147,557 ▼ 69.1%
Equity and liabilities €158,681
Equity
€100,781 ▼ 7.8%
Debt
€57,900 ▼ 84.9%
Debt's share of the balance-sheet total falls from 77.8% to 36.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6,808▼
2023 · €55,714
Cash flow
-€5,397▼
2023 · €32,237
Current ratio
2.55▲
2023 · 1.24
Debt to equity
0.57▼
2023 · 3.51
ROE
-8.5%▼
2023 · 26.9%
ROA
-5.4%▼
2023 · 6.0%
Interest coverage
0.40▼
2023 · 182.61
Debt ≤ 1 year
€57,900▼
2023 · €384,350
Income taxes
€2,631▼
2023 · €28,218
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,440 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 90% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a small loss
2.1%
went bankrupt
7.4%
stopped otherwise
90%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,440 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €0 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €615 | €632 | €1,784 | €2,812 | €3,177 | ▲ 13.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €0 | - | - | €25,146 | -€54,177 | ▼ 315% |
| Other operating charges640/8 | €1,771 | €26,161 | €1,421 | €2,762 | €62,025 | ▲ 2,146% |
| Non-recurring operating charges66A | - | - | - | - | €1,707 | - |
| Gross operating margin9900 | €109,513 | €4,624 | €8,692 | €83,621 | €16,363 | ▼ 80.4% |
| Operating profit (loss)9901 | €107,127 | -€22,169 | €5,488 | €52,902 | €3,630 | ▼ 93.1% |
| Financial income75/76B | €1 | €3,077 | €4,314 | €5,046 | €7,440 | ▲ 47.5% |
| Recurring financial income75 | €1 | €3,077 | €4,314 | €5,046 | €7,440 | ▲ 47.5% |
| Financial charges65/66B | €4,223 | €2,470 | €216 | €305 | €17,014 | ▲ 5,477% |
| Recurring financial charges65 | €4,223 | €2,470 | €216 | €305 | €17,014 | ▲ 5,477% |
| Profit (loss) for the period before taxes9903 | €102,905 | -€21,562 | €9,586 | €57,643 | -€5,943 | ▼ 110% |
| Income taxes67/77 | €22,812 | €183 | €2,759 | €28,218 | €2,631 | ▼ 90.7% |
| Profit (loss) for the period9904 | €80,094 | -€21,745 | €6,826 | €29,425 | -€8,575 | ▼ 129% |
| Profit (loss) for the period to be appropriated9905 | €80,094 | -€21,745 | €6,826 | €29,425 | -€8,575 | ▼ 129% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €463,802 | €411,161 | €427,504 | €493,705 | €158,681 | ▼ 67.9% |
| Fixed assets21/28 | €689 | €5,353 | €3,569 | €16,008 | €11,123 | ▼ 30.5% |
| Tangible fixed assets22/27 | €592 | €5,256 | €3,472 | €15,911 | €11,026 | ▼ 30.7% |
| Furniture and vehicles24 | €592 | €5,256 | €3,472 | €15,911 | €11,026 | ▼ 30.7% |
| Financial fixed assets28 | €97 | €97 | €97 | €97 | €97 | = |
| Current assets29/58 | €463,113 | €405,808 | €423,934 | €477,697 | €147,557 | ▼ 69.1% |
| Stocks and contracts in progress3 | €9,283 | €0 | - | - | - | - |
| Stocks30/36 | €9,283 | €0 | - | - | - | - |
| Amounts receivable within one year40/41 | €451,283 | €401,569 | €423,655 | €474,490 | €143,360 | ▼ 69.8% |
| Trade receivables40 | €404,553 | €330,467 | €348,596 | €348,181 | €25,196 | ▼ 92.8% |
| Other amounts receivable41 | €46,730 | €71,102 | €75,060 | €126,309 | €118,163 | ▼ 6.4% |
| Cash at bank and in hand54/58 | €9 | €4,239 | €279 | €3,207 | €4,198 | ▲ 30.9% |
| Deferred charges and accrued income490/1 | €2,537 | €0 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €463,802 | €411,161 | €427,504 | €493,705 | €158,681 | ▼ 67.9% |
| Equity10/15 | €94,849 | €73,104 | €79,931 | €109,356 | €100,781 | ▼ 7.8% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €363 | €363 | €363 | €363 | €363 | = |
| Non-distributable reserves130/1 | €363 | €363 | €363 | €363 | €0 | ▼ 100% |
| Reserves not available under the articles1311 | €363 | €363 | €363 | €363 | €0 | ▼ 100% |
| Distributable reserves133 | - | - | - | - | €363 | - |
| Profit (loss) carried forward14 | €88,287 | €66,542 | €73,368 | €102,793 | €94,219 | ▼ 8.3% |
| Amounts payable17/49 | €368,953 | €338,056 | €347,573 | €384,350 | €57,900 | ▼ 84.9% |
| Amounts payable within one year42/48 | €368,953 | €338,056 | €347,573 | €384,350 | €57,900 | ▼ 84.9% |
| Current portion of amounts payable after more than one year42 | €1,127 | €0 | - | - | - | - |
| Financial debts43 | €14,575 | €0 | - | - | - | - |
| Credit institutions430/8 | €14,575 | €0 | - | - | - | - |
| Trade debts44 | €329,411 | €308,431 | €316,230 | €314,328 | €12,202 | ▼ 96.1% |
| Suppliers440/4 | €329,411 | €308,431 | €316,230 | €314,328 | €12,202 | ▼ 96.1% |
| Advances received on contracts in progress46 | - | - | - | €27,723 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €23,839 | €29,626 | €31,343 | €42,299 | €45,697 | ▲ 8.0% |
| Taxes450/3 | €23,839 | €29,626 | €31,343 | €42,299 | €45,697 | ▲ 8.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €80,094 | -€21,745 | €6,826 | €29,425 | -€8,575 | ▼ 129% |
| + Depreciation and write-downs630 | €615 | €632 | €1,784 | €2,812 | €3,177 | ▲ 13.0% |
| Operating cash flow (approximation) | €80,709 | -€21,113 | €8,610 | €32,237 | -€5,397 | ▼ 117% |
| Investment in fixed assets (approximation) | - | -€5,295 | €0 | -€15,251 | €1,707 | ▲ 111% |
| Change in cash | - | €4,229 | -€3,960 | €2,928 | €990 | ▼ 66.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 2.55
Current ratio from 1.24 to 2.55; short-term debt falls from €384,350 to €57,900.
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 134 days late
14-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 441 days late
05-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 583 days late
2023
31-12
Financial
Equity above €100,000Eq €109,356 ▲36.8%
2 profitable years in a row build equity to €109,356.
17-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 566 days late
17-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 931 days late
2022
31-12
Financial
Back to profitnet €6,826
Net result €6,826 after one loss-making year.
15-06
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · event 09-06-2022
2021
31-12
Financial
Weakest financial yearnet -€21,745
Net result drops to -€21,745, the lowest in the series; recovery starts the following year.
2020
31-12
Financial
Highest result since 2018net €80,094 ▲6,036%
Operating result €107,127, net result €80,094, both a record.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Aartselaar · 1 establishment unit since 2017
Ground area
222 m²
Building footprint
72 m²
Volume, LiDAR
528 m³
Parcel 11001B0161/00Z000, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
A&E Bouw en Renovatie
since 20172.265.556.546
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001B0161/00Z000 | Flanders | 222 m² | 1 · 72 m² | 9.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
2023 to 2024 · 2 entries · 1,053 EUR awarded · 1,054 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 959 EUR |
| 2023 | 1 | 1,053 EUR | 95 EUR |
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,042. 13,117 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0670920888
Also
9925:BE0670920888
Registered
30-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.