B.B.V. CONSTRUCT
ActiveSummary
B.B.V. CONSTRUCT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €12,790 and a net result of €1,498. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability72▼-28
Solvency45=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.28 against 4.31 in 2023; short-term debt: 43.6% and cash: 5.6% of total assets), but 80.5% of the assets are financed with debt.
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Signals
Five 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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
19.5%
Return on assets
2.3%
Age of the figures
21 mo
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
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
50 d early
2023
51 d early
2022
4 d early
2021
54 d early
2020
54 d early
2019
21 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 35 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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. Usually files around 11 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Turnover
€115,843
EBIT margin
-7.0%
Net result
€1,498▼ 91.2%
2023 · €17,067
Working capital
€36,639▼ 16.0%
2023 · €43,629
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€115,843
Operating result-€8,127▼ 11.2%€643-€9,196€17,377€1,568▼ 91.0%
Net result-€8,491below the sector's middle half▲ 13.1%€723within the sector's middle half-€9,310below the sector's middle half€17,067within the sector's middle half€1,498within the sector's middle half▼ 91.2%
EBIT margin-7.0%
Equity€2,812below the sector's middle half▼ 75.1%€3,534below the sector's middle half▲ 25.7%-€5,775below the sector's middle half€11,292below the sector's middle half€12,790below the sector's middle half▲ 13.3%
Total assets€85,253within the sector's middle half▲ 10.0%€71,070within the sector's middle half▼ 16.6%€60,460within the sector's middle half▼ 14.9%€57,175within the sector's middle half▼ 5.4%€65,559within the sector's middle half▲ 14.7%
Debt€82,441▲ 24.6%€67,536▼ 18.1%€66,235▼ 1.9%€45,883▼ 30.7%€52,769▲ 15.0%
Working capital€45,782within the sector's middle half▲ 53.3%€41,205within the sector's middle half▼ 10.0%€47,085within the sector's middle half▲ 14.3%€43,629within the sector's middle half▼ 7.3%€36,639within the sector's middle half▼ 16.0%
Solvency3.3%below the sector's middle half▼ 11.3pp5.0%below the sector's middle half▲ 1.7pp-9.6%below the sector's middle half▼ 14.5pp19.7%within the sector's middle half▲ 29.3pp19.5%within the sector's middle half▼ 0.2pp
Current ratio2.36within the sector's middle half▲ 0.482.41within the sector's middle half▲ 0.054.62above the sector's middle half▲ 2.214.31above the sector's middle half▼ 0.322.28within the sector's middle half▼ 2.02
Return on assets (ROA)-10.0%below the sector's middle half▲ 2.7pp1.0%within the sector's middle half▲ 11.0pp-15.4%below the sector's middle half▼ 16.4pp29.9%above the sector's middle half▲ 45.2pp2.3%within the sector's middle half▼ 27.6pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
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 2024; 2024 is 91% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €65,559
Fixed assets
€350 =
Current assets
€65,209 ▲ 14.8%
Equity and liabilities €65,559
Equity
€12,790 ▲ 13.3%
Debt
€52,769 ▲ 15.0%
Debt's share of the balance-sheet total rises from 80.3% to 80.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1,568▼
2023 · €17,403
Cash flow
€1,498▼
2023 · €17,093
Quick ratio
1.35▼
2023 · 2.50
Debt to equity
4.13▲
2023 · 4.06
ROE
11.7%▼
2023 · 151.1%
Interest coverage
13.03▼
2023 · 55.84
Debt ≤ 1 year
€28,570▲
2023 · €13,196
Debt > 1 year
€24,199▼
2023 · €32,687
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,508 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 97% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.4%
went bankrupt
1.6%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,508 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €115,843 | - | - | - | - | - |
| Non-recurring operating income76A | - | €0 | - | - | - | - |
| Remuneration, social security and pensions62 | - | €4,326 | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,971 | €5,467 | €312 | €26 | €0 | ▼ 100% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €7,337 | -€14,239 | €0 | - | - |
| Other operating charges640/8 | - | €720 | €36,547 | €348 | €429 | ▲ 23.4% |
| Gross operating margin9900 | €7,217 | €18,494 | €13,424 | €17,751 | €1,997 | ▼ 88.8% |
| Operating profit (loss)9901 | -€8,127 | €643 | -€9,196 | €17,377 | €1,568 | ▼ 91.0% |
| Financial income75/76B | - | €183 | €3 | €2 | €50 | ▲ 3,008% |
| Recurring financial income75 | €153 | €183 | €3 | €2 | €50 | ▲ 3,008% |
| Financial charges65/66B | - | €104 | €117 | €312 | €120 | ▼ 61.4% |
| Recurring financial charges65 | €517 | €104 | €117 | €312 | €120 | ▼ 61.4% |
| Profit (loss) for the period before taxes9903 | -€8,491 | €723 | -€9,310 | €17,067 | €1,498 | ▼ 91.2% |
| Income taxes67/77 | €0 | - | - | - | - | - |
| Profit (loss) for the period9904 | -€8,491 | €723 | -€9,310 | €17,067 | €1,498 | ▼ 91.2% |
| Profit (loss) for the period to be appropriated9905 | -€8,491 | €723 | -€9,310 | €17,067 | €1,498 | ▼ 91.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €85,253 | €71,070 | €60,460 | €57,175 | €65,559 | ▲ 14.7% |
| Fixed assets21/28 | €5,805 | €688 | €376 | €350 | €350 | = |
| Tangible fixed assets22/27 | €5,805 | €338 | €26 | €0 | - | - |
| Plant, machinery and equipment23 | - | €338 | €26 | €0 | - | - |
| Furniture and vehicles24 | - | €0 | - | - | - | - |
| Financial fixed assets28 | - | €350 | €350 | €350 | €350 | = |
| Current assets29/58 | €79,448 | €70,383 | €60,084 | €56,825 | €65,209 | ▲ 14.8% |
| Stocks and contracts in progress3 | €3,150 | €8,375 | €16,725 | €23,795 | €26,572 | ▲ 11.7% |
| Stocks30/36 | - | €2,475 | €2,725 | €7,295 | €3,572 | ▼ 51.0% |
| Contracts in progress37 | - | €5,900 | €14,000 | €16,500 | €23,000 | ▲ 39.4% |
| Amounts receivable within one year40/41 | €38,500 | €35,129 | €28,780 | €24,918 | €28,426 | ▲ 14.1% |
| Trade receivables40 | - | €33,567 | €27,427 | €20,014 | €25,939 | ▲ 29.6% |
| Other amounts receivable41 | - | €1,562 | €1,352 | €4,904 | €2,487 | ▼ 49.3% |
| Cash at bank and in hand54/58 | €18,522 | €20,769 | €8,354 | €1,679 | €3,664 | ▲ 118% |
| Deferred charges and accrued income490/1 | - | €6,109 | €6,225 | €6,433 | €6,548 | ▲ 1.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €85,253 | €71,070 | €60,460 | €57,175 | €65,559 | ▲ 14.7% |
| Equity10/15 | €2,812 | €3,534 | -€5,775 | €11,292 | €12,790 | ▲ 13.3% |
| Contributions10/11 | - | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Reserves13 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Non-distributable reserves130/1 | - | €2,000 | €2,000 | €0 | - | - |
| Reserves not available under the articles1311 | - | €2,000 | €2,000 | €0 | - | - |
| Distributable reserves133 | - | - | - | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | -€9,188 | -€8,466 | -€17,775 | -€708 | €790 | ▲ 212% |
| Amounts payable17/49 | €82,441 | €67,536 | €66,235 | €45,883 | €52,769 | ▲ 15.0% |
| Amounts payable after more than one year17 | €48,775 | €38,359 | €53,236 | €32,687 | €24,199 | ▼ 26.0% |
| Other amounts payable178/9 | - | €38,359 | €53,236 | €32,687 | €24,199 | ▼ 26.0% |
| Amounts payable within one year42/48 | €33,666 | €29,177 | €12,999 | €13,196 | €28,570 | ▲ 117% |
| Current portion of amounts payable after more than one year42 | - | €0 | - | - | - | - |
| Trade debts44 | €2,173 | €1,664 | €2,551 | €1,237 | €8,111 | ▲ 556% |
| Suppliers440/4 | - | €1,664 | €2,551 | €1,237 | €8,111 | ▲ 556% |
| Taxes, remuneration and social security45 | - | €2,565 | €2,565 | €2,565 | €2,657 | ▲ 3.6% |
| Taxes450/3 | - | €2,565 | €2,565 | €2,565 | €2,657 | ▲ 3.6% |
| Other amounts payable47/48 | - | €24,948 | €7,884 | €9,394 | €17,802 | ▲ 89.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€8,491 | €723 | -€9,310 | €17,067 | €1,498 | ▼ 91.2% |
| + Depreciation and write-downs630 | €7,971 | €5,467 | €312 | €26 | €0 | ▼ 100% |
| Operating cash flow (approximation) | -€520 | €6,190 | -€8,998 | €17,093 | €1,498 | ▼ 91.2% |
| Investment in fixed assets (approximation) | - | -€350 | €0 | €0 | €0 | - |
| Change in cash | - | €2,247 | -€12,415 | -€6,676 | €1,985 | ▲ 130% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €17,067
Net result €17,067 after one loss-making year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €723
Net result €723 after 2 loss-making years.
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-12
Financial
Weakest financial yearnet -€9,774
Net result drops to -€9,774, the lowest in the series; recovery starts the following year.
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Braine-le-Château · 1 establishment unit since 2011
Ground area
318 m²
Building footprint
145 m²
Volume, LiDAR
1,737 m³
Parcel 25111A0282/00E000, Wallonia · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue François Gérard(W-B) 1, 1440 Braine-le-Château
since 20112.200.327.313
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25111A0282/00E000 | Wallonia | 318 m² | 1 · 145 m² | 14.4 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,785 companies in sector 41001 we hold annual accounts for 16,058. 10,195 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-05-2011
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
71121Engineering and related technical consultancy, excluding land surveyors
E-invoicing
Reachable via Peppol
Peppol ID
0208:0836354388
Also
9925:BE0836354388
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.