B&B GRONDWERKEN
ActiveThe computed 12-month bankruptcy probability of B&B GRONDWERKEN is 2.0% (moderate). The 2025 annual accounts show equity of €41k and a net result of €46k. Equity is shrinking by ~14% per year across the filed fiscal years. Its solvency ranks better than 30% of 4462 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+1
Solvency47▲+13
Growth32=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 0.88 in 2024; short-term debt: 29% and cash: 20.7% of total assets), and 78.5% 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 81
Relative position
BE, all sectors
reference
Sector 81
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
21.5%
Return on assets
24.1%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-02-2026, 9 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 · 5 filingsDeviation from the deadline
2025
9 d late
2024
on the day
2023
12 d late
2022
22 d late
2021
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▲ 107%
2024 · €20k
2021: €65k
2022: €54k
2023: €102k
2024: €20k
2021 → 2025
Total assets
€193k▼ 15.0%
2024 · €226k
2021: €222k
2022: €252k
2023: €245k
2024: €226k
2021 → 2025
Net result
€46k▼ 13.8%
2024 · €54k
2021: €62k
2022: €-11k
2023: €49k
2024: €54k
2021 → 2025
Working capital
€24k
2024 · €-12k
2021: €45k
2022: €6k
2023: €52k
2024: €-12k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€54k▼ 17.2%€102k▲ 90.8%€20k▼ 80.4%€41k▲ 107%
Operating result€83k-€-18k€56k€78k▲ 40.3%€69k▼ 11.7%
Net result€62k-€-11k€49k€54k▲ 10.7%€46k▼ 13.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €193k
Fixed assets
€113k▼ 18.8%
Current assets
€80k▼ 8.9%
Equity and liabilities €193k
Equity
€41k▲ 107%
Debt
€151k▼ 26.8%
The debt ratio falls from 91.1% to 78.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€124k▼
2024 · €124k
Cash flow
€101k▲
2024 · €100k
Solvency
21.5%▲
2024 · 8.9%
Current ratio
1.43▲
2024 · 0.88
Quick ratio
1.43▲
2024 · 0.88
Debt / equity
3.64▼
2024 · 10.29
ROE
111.9%▼
2024 · 268.3%
ROA
24.1%▲
2024 · 23.8%
Interest coverage
25.22▼
2024 · 37.76
Debt
€151k▼
2024 · €206k
Debt ≤ 1 year
€56k▼
2024 · €100k
Debt > 1 year
€95k▼
2024 · €106k
Income taxes
€18k▼
2024 · €21k
Staff costs
€23k▲
2024 · €21k
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€226k€193k▼
Fixed assets21/28€139k€113k▼
Tangible fixed assets22/27€138k€112k▼
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€54k€40k▼
Furniture and vehicles24€26k€37k▲
Leasing and similar rights25€56k€33k▼
Financial fixed assets28€905€905=
Current assets29/58€88k€80k▼
Amounts receivable within one year40/41€43k€37k▼
Trade receivables40€36k€32k▼
Other amounts receivable41€7k€5k▼
Cash at bank and in hand54/58€43k€40k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€226k€193k▼
Equity10/15€20k€41k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€18k€39k▲
Amounts payable17/49€206k€151k▼
Amounts payable after more than one year17€106k€95k▼
Financial debts170/4€97k€84k▼
Other amounts payable178/9€10k€11k▲
Amounts payable within one year42/48€100k€56k▼
Current portion of amounts payable after more than one year42€30k€33k▲
Trade debts44€16k€10k▼
Suppliers440/4€16k€10k▼
Taxes, remuneration and social security45€12k€12k▼
Taxes450/3€8k€8k▲
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€42k€2k▼
Accrued charges and deferred income492/3€192€304▲
Income statement
Code20242025
Remuneration, social security and pensions62€21k€23k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€55k▲
Other operating charges640/8€9k€10k▲
Non-recurring operating charges66A€12k€252▼
Gross operating margin9900€166k€158k▼
Operating profit (loss)9901€78k€69k▼
Financial income75/76B€10€34▲
Recurring financial income75€10€34▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€75k€64k▼
Income taxes67/77€21k€18k▼
Profit (loss) for the period9904€54k€46k▼
Profit (loss) for the period to be appropriated9905€54k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€154k€64k▼
Profit (loss) brought forward from the previous period14P€100k€18k▼
Profit to be distributed694/7€136k€25k▼
Return on contributions (dividend)694€136k€25k▼
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
09-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
30-06
Financial
Back to profitnet €49k
Net result €49k after one loss-making year.
30-06
Financial
Equity above €100kEq €102k ▲90.8%
Equity rises from €54k to €102k.
22-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
30-06
Financial
Weakest financial yearnet €-11k ▼118%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Geetbets · 1 establishment unit since 2019
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.
Grote Baan 1283454 GeetbetsGround area
2,081 m²
Building footprint
130 m²
Volume, LiDAR
526 m³
Parcel 24095D0117/00G002, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
B&B GRONDWERKEN
since 20192.297.742.433
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24095D0117/00G002 | Flanders | 2,081 m² | 1 · 130 m² | 6.1 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 454 EUR awarded · 454 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 56 EUR | 56 EUR |
| 2024 | 1 | 192 EUR | 192 EUR |
| 2022 | 1 | 206 EUR | 206 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 21,216 companies in sector 81300 we hold annual accounts for 4,363. 3,531 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2019
Fiscal year end30-06
Activities, NACEBEL
43120Site preparation
81300Landscape service activities
42110Construction of roads and motorways
42212Civil engineering
42219Civil engineering
43110Demolition
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.