ACO - BOUWTEAM
ActiveACO - BOUWTEAM has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €673k and a net result of €18k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 72% of 2149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
81
/ 100
Excellent▼ -13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-13
Solvency98▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 3.57 against 2.69 in 2024), and 39.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
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
60.2%
Return on assets
1.6%
Age of the figures
8 mo
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 12-07-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
29 d late
2023
30 d late
2022
31 d late
2021
32 d early
2020
33 d early
2019
29 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€673k▲ 2.8%
2024 · €655k
2018: €429k
2019: €498k
2020: €511k
2021: €565k
2022: €604k
2023: €621k
2024: €655k
2018 → 2025
Total assets
€1.12M▼ 5.5%
2024 · €1.18M
2018: €1.20M
2019: €1.33M
2020: €1.41M
2021: €827k
2022: €789k
2023: €1.01M
2024: €1.18M
2018 → 2025
Net result
€18k▼ 47.4%
2024 · €35k
2018: €67k
2019: €69k
2020: €13k
2021: €54k
2022: €39k
2023: €17k
2024: €35k
2018 → 2025
Working capital
€741k▲ 6.2%
2024 · €698k
2018: €365k
2019: €441k
2020: €473k
2021: €538k
2022: €580k
2023: €565k
2024: €698k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€565k-€604k▲ 6.8%€621k▲ 2.8%€655k▲ 5.6%€673k▲ 2.8%
Operating result€81k-€52k▼ 35.4%€24k▼ 54.1%€51k▲ 111%€32k▼ 37.6%
Net result€54k-€39k▼ 28.9%€17k▼ 56.3%€35k▲ 104%€18k▼ 47.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.12M
Fixed assets
€88k▲ 21.1%
Current assets
€1.03M▼ 7.2%
Equity and liabilities €1.12M
Equity
€673k▲ 2.8%
Debt
€444k▼ 15.8%
The debt ratio falls from 44.6% to 39.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€56k▼
2024 · €70k
Cash flow
€43k▼
2024 · €54k
Solvency
60.2%▲
2024 · 55.4%
Current ratio
3.57▲
2024 · 2.69
Quick ratio
3.29▲
2024 · 2.28
Debt / equity
0.66▼
2024 · 0.80
ROE
2.7%▼
2024 · 5.3%
ROA
1.6%▼
2024 · 2.9%
Interest coverage
2.88▼
2024 · 4.76
Debt
€444k▼
2024 · €527k
Debt ≤ 1 year
€289k▼
2024 · €412k
Debt > 1 year
€142k▲
2024 · €105k
Income taxes
€7k▼
2024 · €12k
Staff costs
€127k▲
2024 · €112k
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€1.18M€1.12M▼
Fixed assets21/28€73k€88k▲
Intangible fixed assets21-€3k
Tangible fixed assets22/27€73k€85k▲
Plant, machinery and equipment23€24k€20k▼
Furniture and vehicles24€48k€65k▲
Financial fixed assets28€113€113=
Current assets29/58€1.11M€1.03M▼
Amounts receivable after more than one year29-€288k
Other amounts receivable291-€288k
Stocks and contracts in progress3€171k€79k▼
Stocks30/36€106k€64k▼
Contracts in progress37€65k€15k▼
Amounts receivable within one year40/41€639k€574k▼
Trade receivables40€55k€51k▼
Other amounts receivable41€583k€523k▼
Cash at bank and in hand54/58€275k€60k▼
Deferred charges and accrued income490/1€25k€29k▲
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.12M▼
Equity10/15€655k€673k▲
Contributions10/11€86k€86k=
Reserves13€570k€588k▲
Non-distributable reserves130/1€288k€288k=
Reserves not available under the articles1311€288k€0▼
Other1319-€288k
Distributable reserves133€282k€300k▲
Amounts payable17/49€527k€444k▼
Amounts payable after more than one year17€105k€142k▲
Other amounts payable178/9€105k€142k▲
Amounts payable within one year42/48€412k€289k▼
Trade debts44€184k€53k▼
Suppliers440/4€184k€53k▼
Advances received on contracts in progress46€165€480▲
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€8k€6k▼
Remuneration and social security454/9€1k€127▼
Other amounts payable47/48€218k€230k▲
Accrued charges and deferred income492/3€10k€14k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€112k€127k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€25k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€186k€186k=
Operating profit (loss)9901€51k€32k▼
Financial income75/76B€11k€13k▲
Recurring financial income75€11k€13k▲
Financial charges65/66B€15k€20k▲
Recurring financial charges65€15k€20k▲
Profit (loss) for the period before taxes9903€47k€25k▼
Income taxes67/77€12k€7k▼
Profit (loss) for the period9904€35k€18k▼
Profit (loss) for the period to be appropriated9905€35k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€18k▼
Transfer to equity691/2€35k€18k▼
To other reserves6921€35k€18k▼
Social balance
Average headcount (FTE)90872.22.2=
The notes to these accounts (21 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
12-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 3.06
Current ratio from 1.52 to 3.06; short-term debt falls from €903k to €261k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €13k ▼80.6%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €511k ▲2.7%
3 profitable years in a row build equity to €511k.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €69k ▲1.7%
Operating result €145k, net result €69k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
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
2 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, Sint-Laureins · 1 establishment unit since 1994
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.
Eerstestraat(STL) 419980 Sint-LaureinsGround area
1.9 ha
Building footprint
496 m²
Volume, LiDAR
1,700 m³
2 parcels, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kruiskenstraat(STL) 17, 9980 Sint-Laureins
since 19942.065.525.225
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43014C0105/00H000 | Flanders | 1.4 ha | 1 · 244 m² | 7.6 m |
| 43014C0584/00D000 | Flanders | 4,813 m² | 1 · 252 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2022 to 2025 · 5 entries · 2,691 EUR awarded · 2,691 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,429 EUR | 1,429 EUR |
| 2023 | 1 | 245 EUR | 245 EUR |
| 2022 | 2 | 1,017 EUR | 1,017 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
4 live approvals · 10 endedMedewerker ruwbouw (vwo)
Medewerker ruwbouw duaal (so)
Metselaar (vwo)
Ruwbouw duaal (so)
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Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 7,971 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-1993
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.