ACTICO BUILD SOLUTIONS
ActiveSummary
The computed 12-month bankruptcy probability of ACTICO BUILD SOLUTIONS is 1.7% (moderate). The 2025 annual accounts show equity of €109k and a net result of €38k. Equity is growing by ~55.7% per year across the filed fiscal years. Its solvency ranks better than 68% of 2179 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+1
Solvency81▲+15
Growth72▲+4
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 1.31 in 2024; short-term debt: 32.9% and cash: 17.5% of total assets), and 43.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 41
Relative position
BE, all sectors
reference
Sector 41
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
56.3%
Return on assets
19.4%
Age of the figures
9 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 25-06-2026, 36 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
36 d early
2024
34 d early
2023
29 d early
2022
29 d early
2021
40 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€886k▲ 20.6%
2024 · €735k
2021: €635k
2022: €614k
2023: €759k
2024: €735k
2021 → 2025
EBIT margin
5.7%▼ 0.5pp
2024 · 6.2%
2021: 3.4%
2022: 0.6%
2023: 2.5%
2024: 6.2%
2021 → 2025
Net result
€38k▲ 18.6%
2024 · €32k
2021: €18k
2022: €4k
2023: €15k
2024: €32k
2021 → 2025
Working capital
€35k▲ 26.7%
2024 · €28k
2021: €-8k
2022: €-29k
2023: €-14k
2024: €28k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€635k-€614k▼ 3.2%€759k▲ 23.5%€735k▼ 3.2%€886k▲ 20.6%
Equity€21k-€25k▲ 16.6%€40k▲ 58.8%€71k▲ 79.9%€109k▲ 52.7%
Operating result€22k-€4k▼ 83.4%€19k▲ 416%€46k▲ 146%€51k▲ 10.4%
Net result€18k-€4k▼ 80.1%€15k▲ 313%€32k▲ 116%€38k▲ 18.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €193k
Fixed assets
€95k ▲ 60.0%
Current assets
€99k ▼ 15.0%
Equity and liabilities €193k
Equity
€109k ▲ 52.7%
Debt
€84k ▼ 18.8%
Debt's share of the balance-sheet total falls from 59.3% to 43.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€80k▲
2024 · €70k
Cash flow
€67k▲
2024 · €56k
Current ratio
1.55▲
2024 · 1.31
Quick ratio
1.31▲
2024 · 0.86
Debt to equity
0.77▼
2024 · 1.46
ROE
34.5%▼
2024 · 44.4%
ROA
19.4%▲
2024 · 18.1%
Interest coverage
85.01▼
2024 · 138.37
Debt ≤ 1 year
€64k▼
2024 · €89k
Debt > 1 year
€21k▲
2024 · €15k
Income taxes
€14k▼
2024 · €15k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€175k€193k▲
Fixed assets21/28€59k€95k▲
Tangible fixed assets22/27€59k€95k▲
Plant, machinery and equipment23€21k€20k▼
Furniture and vehicles24€38k€75k▲
Current assets29/58€116k€99k▼
Stocks and contracts in progress3€40k€16k▼
Contracts in progress37€40k€16k▼
Amounts receivable within one year40/41€31k€45k▲
Trade receivables40€22k€27k▲
Other amounts receivable41€9k€18k▲
Cash at bank and in hand54/58€43k€34k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€175k€193k▲
Equity10/15€71k€109k▲
Contributions10/11€4k€4k=
Reserves13€68k€105k▲
Distributable reserves133€68k€105k▲
Amounts payable17/49€104k€84k▼
Amounts payable after more than one year17€15k€21k▲
Financial debts170/4€15k€21k▲
Amounts payable within one year42/48€89k€64k▼
Current portion of amounts payable after more than one year42€9k€17k▲
Trade debts44€20k€25k▲
Suppliers440/4€20k€25k▲
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€9k€8k▼
Other amounts payable47/48€51k€14k▼
Income statement
Code20242025
Turnover70€735k€886k▲
Goods, raw materials, services and sundry goods60/61€663k€800k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€30k▲
Other operating charges640/8€2k€6k▲
Gross operating margin9900€72k€87k▲
Operating profit (loss)9901€46k€51k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€504€946▲
Recurring financial charges65€504€946▲
Profit (loss) for the period before taxes9903€47k€52k▲
Income taxes67/77€15k€14k▼
Profit (loss) for the period9904€32k€38k▲
Profit (loss) for the period to be appropriated9905€32k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€38k▲
Transfer to equity691/2€32k€38k▲
To other reserves6921€32k€38k▲
The notes to these accounts (9 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
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2021net €38k ▲18.6%
Operating result €51k, net result €38k, both a record.
31-12
Financial
Equity above €100kEq €109k ▲52.7%
5 profitable years in a row build equity to €109k.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
02-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €4k ▼80.1%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Halle · 1 establishment unit since 2020
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.
Baesberg 141502 HalleGround area
967 m²
Building footprint
146 m²
Volume, LiDAR
1,011 m³
2 parcels, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Actico Build Solutions
since 20202.306.322.577
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23043D0346/00X004 | Flanders | 683 m² | 1 · 77 m² | 10.3 m · 2 fl. |
| 23583G0404/00V002 | Flanders | 284 m² | 1 · 69 m² | 10.5 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.
Similar companies · same sector, comparable size
JADIBOUW
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BE 0808.166.386
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RENO.TEMP
BE 0873.413.734
Enghien · Eq €108,870
HILLEWAERE BOUW
BE 0644.827.294
Staden · Eq €108,967
DB PROJECTS BOUWWERKEN
BE 0782.738.530
Brugge · Eq €108,848
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,062 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43110Demolition
43221Plumbing work
43310Plastering work
43320Joinery installation
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.