B.C.M. Construct
ActiveSummary
The computed 12-month bankruptcy probability of B.C.M. Construct is 2.7% (moderate). The 2025 annual accounts show negative equity (-€7,041) and a net result of -€1,290. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 9% of 7586 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability65▼-13
Solvency9▼-1
Growth35▼-17
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 41.88 against 6.45 in 2024; short-term debt: 1.8% and cash: 1.1% of total assets), but equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-16.1%
Return on assets
-2.9%
Age of the figures
18 mo
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 →
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€7,041
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 06-10-2025, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
on the day
2023
61 d early
2022
30 d early
2021
4 d early
2020
43 d early
2019
31 d early
← 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 28 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close28-09-2026 today31-10-2026 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
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€102,324▼ 32.8%
2020 · €152,378
EBIT margin
4.6%▲ 2.3pp
2020 · 2.2%
Net result
-€1,290
2024 · €2,837
Working capital
€32,425▲ 103%
2024 · €16,004
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
Line20212022202320242025
Turnover€102,324▼ 32.8%
Operating result€4,675▲ 36.4%€2,994▼ 36.0%€2,832▼ 5.4%€3,848▲ 35.9%-€1,135
Net result€4,360within the sector's middle half▲ 96.5%€2,260within the sector's middle half▼ 48.2%€2,065within the sector's middle half▼ 8.6%€2,837within the sector's middle half▲ 37.4%-€1,290below the sector's middle half
EBIT margin4.6%▲ 2.3pp
Equity-€12,912below the sector's middle half▲ 25.2%-€10,653below the sector's middle half▲ 17.5%-€8,588below the sector's middle half▲ 19.4%-€5,751below the sector's middle half▲ 33.0%-€7,041below the sector's middle half▼ 22.4%
Total assets€38,592below the sector's middle half▼ 13.5%€38,649below the sector's middle half▲ 0.1%€38,768below the sector's middle half▲ 0.3%€37,185below the sector's middle half▼ 4.1%€43,752below the sector's middle half▲ 17.7%
Debt€51,504▼ 16.8%€49,301▼ 4.3%€47,356▼ 3.9%€42,936▼ 9.3%€50,793▲ 18.3%
Working capital-€22,980below the sector's middle half▲ 11.9%-€46,238below the sector's middle half▼ 101%-€1,758below the sector's middle half▲ 96.2%€16,004within the sector's middle half€32,425within the sector's middle half▲ 103%
Solvency-33.5%below the sector's middle half▲ 5.2pp-27.6%below the sector's middle half▲ 5.9pp-22.2%below the sector's middle half▲ 5.4pp-15.5%below the sector's middle half▲ 6.7pp-16.1%below the sector's middle half▼ 0.6pp
Current ratio0.55below the sector's middle half▼ 0.020.06below the sector's middle half▼ 0.490.76below the sector's middle half▲ 0.706.45above the sector's middle half▲ 5.6941.88above the sector's middle half▲ 35.43
Return on assets (ROA)11.3%within the sector's middle half▲ 6.3pp5.8%within the sector's middle half▼ 5.5pp5.3%within the sector's middle half▼ 0.5pp7.6%within the sector's middle half▲ 2.3pp-2.9%below the sector's middle half▼ 10.6pp
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.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1,135 after €3,848 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43,752
Fixed assets
€10,534 ▼ 42.3%
Current assets
€33,218 ▲ 75.4%
Key figures and ratios
EBITDA
€3,793▼
2024 · €12,842
Cash flow
€3,638▼
2024 · €11,830
Debt to equity
-7.21▲
2024 · -7.47
Interest coverage
24.55▼
2024 · 72.87
Debt ≤ 1 year
€793▼
2024 · €2,936
Debt > 1 year
€50,000▲
2024 · €40,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,338 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 90% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a small loss
2.5%
went bankrupt
5.6%
stopped otherwise
90%
still going
A further 1.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.7% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 2,338 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €102,324 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,756 | €9,483 | €14,019 | €8,993 | €4,928 | ▼ 45.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | -€5,000 | -€10,000 | - | - | - |
| Other operating charges640/8 | - | €10,511 | €10,498 | €1,159 | €2,270 | ▲ 95.9% |
| Non-recurring operating charges66A | - | - | €0 | - | - | - |
| Gross operating margin9900 | €16,904 | €17,987 | €17,349 | €14,001 | €6,063 | ▼ 56.7% |
| Operating profit (loss)9901 | €4,675 | €2,994 | €2,832 | €3,848 | -€1,135 | ▼ 130% |
| Recurring financial income75 | €10 | - | - | - | - | - |
| Financial charges65/66B | - | €169 | €165 | €176 | €155 | ▼ 12.3% |
| Recurring financial charges65 | €48 | €169 | €165 | €176 | €155 | ▼ 12.3% |
| Profit (loss) for the period before taxes9903 | €4,637 | €2,825 | €2,667 | €3,672 | -€1,290 | ▼ 135% |
| Income taxes67/77 | €277 | €565 | €601 | €835 | - | - |
| Profit (loss) for the period9904 | €4,360 | €2,260 | €2,065 | €2,837 | -€1,290 | ▼ 145% |
| Profit (loss) for the period to be appropriated9905 | €4,360 | €2,260 | €2,065 | €2,837 | -€1,290 | ▼ 145% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €38,592 | €38,649 | €38,768 | €37,185 | €43,752 | ▲ 17.7% |
| Fixed assets21/28 | €10,068 | €35,585 | €33,170 | €18,245 | €10,534 | ▼ 42.3% |
| Tangible fixed assets22/27 | €10,018 | €35,535 | €33,170 | €18,245 | €10,534 | ▼ 42.3% |
| Plant, machinery and equipment23 | - | €7,504 | €7,492 | €4,624 | €1,240 | ▼ 73.2% |
| Furniture and vehicles24 | - | €28,031 | €25,678 | €13,621 | €9,294 | ▼ 31.8% |
| Financial fixed assets28 | €50 | €50 | - | - | - | - |
| Current assets29/58 | €28,524 | €3,064 | €5,598 | €18,940 | €33,218 | ▲ 75.4% |
| Amounts receivable within one year40/41 | €28,345 | €1,097 | €3,487 | €18,107 | €32,745 | ▲ 80.8% |
| Trade receivables40 | - | - | €2,970 | €18,000 | €32,643 | ▲ 81.3% |
| Other amounts receivable41 | - | €1,097 | €517 | €107 | €102 | ▼ 4.8% |
| Cash at bank and in hand54/58 | €28 | €1,967 | €2,111 | €832 | €474 | ▼ 43.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €38,592 | €38,649 | €38,768 | €37,185 | €43,752 | ▲ 17.7% |
| Equity10/15 | -€12,912 | -€10,653 | -€8,588 | -€5,751 | -€7,041 | ▼ 22.4% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Profit (loss) carried forward14 | -€19,112 | -€16,853 | -€14,788 | -€11,951 | -€13,241 | ▼ 10.8% |
| Amounts payable17/49 | €51,504 | €49,301 | €47,356 | €42,936 | €50,793 | ▲ 18.3% |
| Amounts payable after more than one year17 | - | - | €40,000 | €40,000 | €50,000 | ▲ 25.0% |
| Financial debts170/4 | - | - | €40,000 | €40,000 | €50,000 | ▲ 25.0% |
| Amounts payable within one year42/48 | €51,504 | €49,301 | €7,356 | €2,936 | €793 | ▼ 73.0% |
| Current portion of amounts payable after more than one year42 | - | €30,000 | - | - | - | - |
| Trade debts44 | €5,294 | €5,467 | €3,428 | €1,219 | €780 | ▼ 36.0% |
| Suppliers440/4 | - | €5,467 | €3,428 | €1,219 | €780 | ▼ 36.0% |
| Taxes, remuneration and social security45 | - | €12,573 | €3,571 | €835 | €0 | ▼ 100.0% |
| Taxes450/3 | - | €991 | €601 | €835 | €0 | ▼ 100.0% |
| Remuneration and social security454/9 | - | €11,581 | €2,970 | - | - | - |
| Other amounts payable47/48 | - | €1,262 | €357 | €881 | €13 | ▼ 98.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,360 | €2,260 | €2,065 | €2,837 | -€1,290 | ▼ 145% |
| + Depreciation and write-downs630 | €6,756 | €9,483 | €14,019 | €8,993 | €4,928 | ▼ 45.2% |
| Operating cash flow (approximation) | €11,117 | €11,743 | €16,085 | €11,830 | €3,638 | ▼ 69.2% |
| Investment in fixed assets (approximation) | - | -€35,000 | -€11,604 | €5,932 | €2,783 | ▼ 53.1% |
| Change in cash | - | €1,938 | €145 | -€1,279 | -€359 | ▲ 71.9% |
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
2025
06-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet -€1,290
Net result drops to -€1,290, the lowest in the series.
31-03
Financial
Liquidity times 6current ratio 41.88
Current ratio from 6.45 to 41.88; short-term debt falls from €2,936 to €793.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Liquidity times 8current ratio 6.45
Current ratio from 0.76 to 6.45; short-term debt falls from €7,356 to €2,936.
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
01-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €4,360 ▲96.5%
Operating result €4,675, net result €4,360, both a record.
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
19-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Sint-Agatha-Berchem · 1 establishment unit since 2012
Ground area
186 m²
Building footprint
71 m²
Volume, LiDAR
693 m³
Parcel 21342B0159/00E004, Brussels · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Egide Winteroystraat 20, 1082 Sint-Agatha-Berchem
since 20122.213.439.040
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0159/00E004 | Brussels | 186 m² | 1 · 71 m² | 11.6 m · 3 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.
Similar companies · same sector and region
A.S.A. CONSTRUCT
BE 0687.725.743
Sint-Agatha-Berchem
AFAILAL GROUP
BE 1024.247.051
Sint-Agatha-Berchem
Allcon
BE 0886.707.286
Sint-Agatha-Berchem
AMAK CONSTRUCT & SERVICES
BE 1016.062.528
Sint-Agatha-Berchem
ANGEL CONSTRUCT
BE 0739.661.424
Sint-Agatha-Berchem
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 29,787 companies in sector 41001 we hold annual accounts for 16,052. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-10-2012
Fiscal year end31-03
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
42990Civil engineering
43110Demolition
43120Site preparation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0849606667
Also
9925:BE0849606667
Registered
19-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.