ANDRAS BUILD
ActiveThe computed 12-month bankruptcy probability of ANDRAS BUILD is 1.9% (moderate). The 2025 annual accounts show equity of €107k and a net result of €6k. Equity is growing by ~31.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 7431 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
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▼-49
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 12.95 against 6.57 in 2024; short-term debt: 7.7% and cash: 0.6% of total assets), and 7.7% 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 · 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
92.3%
Return on assets
5.3%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 05-11-2025, 25 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
25 d early
2024
100 d late
2023
3 d early
2022
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close21-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 6.1%
2024 · €101k
2022: €36k
2023: €70k
2024: €101k
2022 → 2025
Total assets
€116k▼ 2.5%
2024 · €119k
2022: €46k
2023: €88k
2024: €119k
2022 → 2025
Net result
€6k▼ 79.9%
2024 · €31k
2022: €34k
2023: €34k
2024: €31k
2022 → 2025
Working capital
€107k▲ 6.1%
2024 · €101k
2022: €36k
2023: €70k
2024: €101k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€36k-€70k▲ 93.5%€101k▲ 43.5%€107k▲ 6.1%
Operating result€43k-€44k▲ 1.0%€39k▼ 10.2%€11k▼ 71.6%
Net result€34k-€34k▼ 1.1%€31k▼ 9.9%€6k▼ 79.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 72% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €116k
Equity
€107k▲ 6.1%
Debt
€9k▼ 50.5%
The debt ratio falls from 15.2% to 7.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
92.3%▲
2024 · 84.8%
Current ratio
12.95▲
2024 · 6.57
Quick ratio
12.95▲
2024 · 6.57
Debt / equity
0.08▼
2024 · 0.18
ROE
5.7%▼
2024 · 30.3%
ROA
5.3%▼
2024 · 25.7%
Debt
€9k▼
2024 · €18k
Debt ≤ 1 year
€9k▼
2024 · €18k
Income taxes
€2k▼
2024 · €8k
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€119k€116k▼
Current assets29/58€119k€116k▼
Amounts receivable within one year40/41€119k€115k▼
Trade receivables40€56k€61k▲
Other amounts receivable41€63k€55k▼
Cash at bank and in hand54/58€135€736▲
Equity and liabilities
Total equity and liabilities10/49€119k€116k▼
Equity10/15€101k€107k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€99k€105k▲
Amounts payable17/49€18k€9k▼
Amounts payable within one year42/48€18k€9k▼
Trade debts44€4k-
Suppliers440/4€4k-
Taxes, remuneration and social security45€14k€9k▼
Taxes450/3€14k€9k▼
Income statement
Code20242025
Other operating charges640/8€455-
Gross operating margin9900€40k€11k▼
Operating profit (loss)9901€39k€11k▼
Financial income75/76B€1€1▲
Recurring financial income75€1€1▲
Financial charges65/66B€639€3k▲
Recurring financial charges65€639€3k▲
Profit (loss) for the period before taxes9903€39k€8k▼
Income taxes67/77€8k€2k▼
Profit (loss) for the period9904€31k€6k▼
Profit (loss) for the period to be appropriated9905€31k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€105k▲
Profit (loss) brought forward from the previous period14P€68k€99k▲
The notes to these accounts (1 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
2025
05-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-04
Financial
Weakest financial yearnet €6k ▼79.9%
Net result drops to €6k, the lowest in the series.
10-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 100 days late
2024
30-04
Financial
Equity above €100kEq €101k ▲43.5%
3 profitable years in a row build equity to €101k.
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Vilvoorde · 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.
Leuvensestraat 931800 VilvoordeGround area
1,444 m²
Building footprint
360 m²
Volume, LiDAR
2,851 m³
2 parcels, Flanders · tallest building 14.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ANDRAS BUILD
since 20202.308.313.948
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43001H0317/00A000 | Flanders | 871 m² | 1 · 133 m² | 6.2 m · 2 fl. |
| 23642D0881/00K002 | Flanders | 573 m² | 1 · 227 m² | 14.9 m · 3 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
COLTO CONSTRUCT
BE 0676.433.260
Charleroi · Eq €107k
STAS BUILDING
BE 0785.915.180
Sint-Pieters-Leeuw · Eq €107k
BOUW & IMMO
BE 0886.733.418
Antwerpen · Eq €107k
Bouwgroep STEDI
BE 0630.923.632
Sint-Truiden · Eq €107k
PATTYN MANUEL ALGEMENE BOUWWERKEN
BE 0887.944.037
Ledegem · Eq €107k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,066 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2020
Fiscal year end30-04
Activities, NACEBEL
41001General construction of residential buildings
33110Repair and maintenance of fabricated metal products
43110Demolition
43221Plumbing work
43230Insulation installation
43291Specialised construction activities
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.