ACTUAL BATI
ActiveThe computed 12-month bankruptcy probability of ACTUAL BATI is 2.8% (moderate). The 2024 annual accounts show equity of €31k and a net result of €-3k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 75% of 9982 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability61▲+31
Solvency91▼-9
Growth52=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 3.45 in 2023; short-term debt: 33.8% and cash: 24.8% of total assets), and 33.8% 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.
+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 →
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
66.2%
Return on assets
-6%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
192021222324
2019 to 2024 · latest year €-3k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
on the day
2022
13 d early
2021
12 d late
2020
26 d early
2019
22 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€31k▼ 8.4%
2023 · €34k
2019: €11k
2020: €28k
2021: €34k
2022: €39k
2023: €34k
2019 → 2024
Total assets
€47k▲ 7.5%
2023 · €44k
2019: €22k
2020: €54k
2021: €56k
2022: €54k
2023: €44k
2019 → 2024
Net result
€-3k▲ 43.4%
2023 · €-5k
2019: €4k
2020: €17k
2021: €6k
2022: €5k
2023: €-5k
2019 → 2024
Working capital
€16k▼ 32.3%
2023 · €24k
2019: €-2k
2020: €11k
2021: €17k
2022: €27k
2023: €24k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€28k-€34k▲ 22.4%€39k▲ 14.4%€34k▼ 12.9%€31k▼ 8.4%
Operating result€21k-€9k▼ 55.6%€10k▲ 1.4%€-4k€-2k▲ 63.7%
Net result€17k-€6k▼ 63.5%€5k▼ 21.3%€-5k€-3k▲ 43.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2024 against €4k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €47k
Fixed assets
€15k▲ 49.4%
Current assets
€32k▼ 4.9%
Equity and liabilities €47k
Equity
€31k▼ 8.4%
Debt
€16k▲ 62.3%
The debt ratio rises from 22.4% to 33.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€5k▲
2023 · €1k
Cash flow
€3k▲
2023 · €518
Solvency
66.2%▼
2023 · 77.6%
Current ratio
2.02▼
2023 · 3.45
Quick ratio
2.02▼
2023 · 3.45
Debt / equity
0.51▲
2023 · 0.29
ROE
-9.1%▲
2023 · -14.8%
ROA
-6.0%▲
2023 · -11.5%
Interest coverage
63.59▲
2023 · 3.03
Debt
€16k▲
2023 · €10k
Debt ≤ 1 year
€16k▲
2023 · €10k
Income taxes
€1k▲
2023 · €208
Staff costs
€5k▼
2023 · €7k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€44k€47k▲
Fixed assets21/28€10k€15k▲
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€8k€13k▲
Plant, machinery and equipment23€1k€490▼
Furniture and vehicles24€7k€13k▲
Financial fixed assets28€100€550▲
Current assets29/58€34k€32k▼
Amounts receivable within one year40/41€27k€20k▼
Trade receivables40€16k€8k▼
Other amounts receivable41€12k€12k▲
Cash at bank and in hand54/58€6k€12k▲
Deferred charges and accrued income490/1€592€816▲
Equity and liabilities
Total equity and liabilities10/49€44k€47k▲
Equity10/15€34k€31k▼
Contributions10/11€6k€6k=
Outside capital11€6k-
Other1109/19€6k-
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€26k€23k▼
Amounts payable17/49€10k€16k▲
Amounts payable within one year42/48€10k€16k▲
Trade debts44€9k€15k▲
Suppliers440/4€9k€15k▲
Taxes, remuneration and social security45€1k€673▼
Remuneration and social security454/9€1k€673▼
Income statement
Code20232024
Remuneration, social security and pensions62€7k€5k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€1k€4k▲
Gross operating margin9900€10k€14k▲
Operating profit (loss)9901€-4k€-2k▲
Financial income75/76B€11€152▲
Recurring financial income75€11€152▲
Financial charges65/66B€352€72▼
Recurring financial charges65€352€72▼
Profit (loss) for the period before taxes9903€-5k€-2k▲
Income taxes67/77€208€1k▲
Profit (loss) for the period9904€-5k€-3k▲
Profit (loss) for the period to be appropriated9905€-5k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€23k▼
Profit (loss) brought forward from the previous period14P€31k€26k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-5k ▼202%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2019net €17k ▲280%
Operating result €21k, net result €17k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Morlanwelz · 1 establishment unit since 2018
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.
Rue du Pairois(CAR) 47141 MorlanwelzGround area
2,043 m²
Building footprint
116 m²
Volume, LiDAR
673 m³
Parcel 56015B0175/00Y000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ACTUAL BATI
since 20182.282.177.002
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56015B0175/00Y000 | Wallonia | 2,043 m² | 1 · 116 m² | 7.8 m · 2 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
CORD
BE 0628.852.285
Kuurne · Eq €31k
GF CONSTRUCT
BE 0842.875.263
Marche-en-Famenne · Eq €31k
art's construct
BE 0776.693.450
Sint-Pieters-Leeuw · Eq €31k
M.G.P. CONSTRUCTION
BE 0797.613.182
Amay · Eq €31k
OMCT et Fils
BE 0807.568.847
Seraing · Eq €31k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,473 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-10-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.