Equity
€79,989 from €213,360 in 2023
Equity fell by 63% in 2 years.
ABCA
Lifetime
20 annual accounts with figures on one time axis, 25 filings since 2001peak €254,399 (2009)
-€48,366▼ €29,129
lowest -€92,212 (2018)
-€84,672▼ €35,972
peak €213,360 (2023)
€79,989▼ 51.4%
€111,068▼ 22.4%
peak 2.7 FTE (2011)
-not published
Board1 name since 2000
-
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from -€19,237 to -€48,366Loss of €84,672Equity from €164,661 to €79,989Debts from €143,080 to €111,068Cash from €4,003 to €5,777
Key points
from the 2025 annual accountsLosses
-€133,371 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
Position in the sector
-€84,672
Lower net result than 95% of companies in specialised construction. Sector median €10,184 · 35,124 companies.
2025 accounts filed 31 days after the deadlineTurnover not published (micro format)
Checked score
49
Fair
Financially stronger than 22% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.0% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 0.9%● unchanged vs 12-2024
02-2025: 0.9%● unchanged vs 01-2025
03-2025: 0.9%● unchanged vs 02-2025lowest value
04-2025: 0.9%● unchanged vs 03-2025
05-2025: 0.9%● unchanged vs 04-2025
06-2025: 0.9%● unchanged vs 05-2025
07-2025: 1.0%▲ +0.1 percentage points vs 06-2025
08-2025: 1.3%▲ +0.3 percentage points vs 07-2025
09-2025: 1.6%▲ +0.3 percentage points vs 08-2025
10-2025: 1.6%● unchanged vs 09-2025
11-2025: 1.6%● unchanged vs 10-2025
12-2025: 1.6%● unchanged vs 11-2025
01-2026: 1.6%● unchanged vs 12-2025
02-2026: 1.6%● unchanged vs 01-2026
03-2026: 1.6%● unchanged vs 02-2026
04-2026: 1.6%● unchanged vs 03-2026
05-2026: 1.6%● unchanged vs 04-2026
06-2026: 1.5%▼ -0.1 percentage points vs 05-2026
07-2026: 1.6%▲ +0.1 percentage points vs 06-2026
08-2026: 2.0%▲ +0.4 percentage points vs 07-2026
09-2026: 3.0%▲ +1.0 percentage point vs 08-2026highest value
10-2026: 3.0%● unchanged vs 09-2026highest value
11-2026: 3.0%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Loss of €84,672, the second in a row (financial year 2025)
Last filed accounts filed 31 days late; 2 of the last 3 accounts late
Sector: Specialised construction activities (NACE 43)
Liquidity: current ratio 1.98, cash €5,777
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 45% of them on solvency, 32% on liquidity, 4% on profitability and 9% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 5,831 companies had the same profile as ABCA has now. Each dot stands for 15 companies, two years later.
84.5%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ABCA itself is higher: 3.0% within 12 months. It rests on far more data about ABCA than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,831 companies, not a prediction for ABCA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,500 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is ample, with a current ratio of 1.98 (3.15 in 2024), above the usual 1.5. Short-term debt is 28% and cash 3% of total assets. However, 58.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises risk
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€84,672
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
20 days late
2023
56 days late
2022
31 days early
2021
29 days late
2020
41 days late
2019
63 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 30 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0473345548
Change of role: Bart Casier, from manager to director
“Activiteiten in rechtstreeks of onrechtstreekts verband met bijenteelt/imker” (deed in Dutch) · General meeting of 18-12-2023 · Gazette deed
New establishment
Tibri
First establishment
Tibri, Groenstraat 21, Oostkamp
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ABCA Oostkamp | €191,057 | -€48,366 | 41.9% | - |
| BVC BELGIUM Wevelgem | €120,421 | -€8,110 | 91.0% | - |
| A.M.D. VAN PASSEN & ZONEN Antwerp | €204,261 | -€12,417 | 46.1% | - |
| EUROGIPS Antwerp | €216,545 | -€6,446 | -13.4% | - |
| ELCIBAT Anderlecht | €196,768 | €1,184 | 80.9% | - |
| CGA CUBE Châtelet | €153,481 | -€13,601 | 40.8% | - |
| PREDEBO Geraardsbergen | €277,203 | -€6,484 | 13.6% | - |
These companies have the same main activity as ABCA: other construction installation (NACE 43240). They are comparable in size and age: total assets between €120,000 and €277,000, founded between 1994 and 2006.
Official details
Source: KBO- Status
- Active since 24-11-2000Normal situation
- Activity
- Other construction installationNACE 43240and 1 other
- Joint committees
- 100Auxiliary committee for blue-collar workers
- 200Auxiliary committee for white-collar workers · annual accounts 2021
- Establishment units
- 2.101.206.1798020 Oostkamp, since 12-02-2001
- 2.176.387.317since 26-02-2009
- Financial year end
- 31 December
- Peppol
- Reachable since 26-03-2025
Insights on ABCA
ABCA files the micro format. That format states no turnover. The gross margin fell from €50,968 in 2006 to -€48,366 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ABCA
- What is the company number of ABCA?
- The company number of ABCA is 0473.345.548. The VAT number is the same number with BE in front: BE 0473.345.548.
- Where is ABCA based?
- The registered office is at Groenstraat 21, 8020 Oostkamp.Company details
- What does ABCA do?
- According to the KBO register, the main activity is other construction installation (NACE 43240).
- What is the legal form of ABCA?
- ABCA is a private limited company (BV).
- When was ABCA founded?
- ABCA was founded on 24-11-2000.
- Is ABCA still active?
- Yes, ABCA is an active enterprise in the KBO register.
- Which joint committee does ABCA fall under?
- In its 2021 annual accounts, ABCA states joint committees 100 (Auxiliary committee for blue-collar workers) and 200 (Auxiliary committee for white-collar workers).
- What is the turnover of ABCA?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is ABCA profitable?
- In financial year 2025, ABCA made a loss of €84,672.
- Where can I find the annual accounts of ABCA?
- ABCA filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ABCA due?
- ABCA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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