B CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of B CONSTRUCT is 2.1% (moderate). The 2025 annual accounts show equity of €35k and a net result of €4k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 21% of 27711 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▼-21
Solvency45▼-51
Growth46▲+11
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 3.44 in 2024; short-term debt: 80.5% and cash: 89.3% of total assets), and 80.5% 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.
−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 43
Relative position
BE, all sectors
reference
Sector 43
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
19.5%
Return on assets
2.4%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
2 d early
2022
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€425k▲ 444%
2024 · €78k
2022: €430k
2023: €185k
2024: €78k
2022 → 2025
EBIT margin
2.8%▼ 3.3pp
2024 · 6.1%
2022: 9.0%
2023: 1.3%
2024: 6.1%
2022 → 2025
Net result
€4k▲ 55.7%
2024 · €3k
2022: €32k
2023: €1k
2024: €3k
2022 → 2025
Working capital
€35k▲ 15.6%
2024 · €30k
2022: €25k
2023: €27k
2024: €30k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€430k-€185k▼ 57.0%€78k▼ 57.8%€425k▲ 444%
Equity€27k-€28k▲ 5.3%€31k▲ 9.8%€35k▲ 13.9%
Operating result€39k-€2k▼ 93.9%€5k▲ 102%€12k▲ 148%
Net result€32k-€1k▼ 95.6%€3k▲ 96.4%€4k▲ 55.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 148% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €181k
Fixed assets
€400▼ 50.0%
Current assets
€181k▲ 324%
Equity and liabilities €181k
Equity
€35k▲ 13.9%
Debt
€146k▲ 1,074%
The debt ratio rises from 28.6% to 80.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k▲
2024 · €5k
Cash flow
€5k▲
2024 · €3k
Solvency
19.5%▼
2024 · 71.4%
Current ratio
1.24▼
2024 · 3.44
Quick ratio
1.24▼
2024 · 3.44
Debt / equity
4.12▲
2024 · 0.40
ROE
12.2%▲
2024 · 9.0%
ROA
2.4%▼
2024 · 6.4%
Interest coverage
1.95▼
2024 · 4.27
Debt
€146k▲
2024 · €12k
Debt ≤ 1 year
€146k▲
2024 · €12k
Income taxes
€1k▲
2024 · €777
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€44k€181k▲
Fixed assets21/28€800€400▼
Tangible fixed assets22/27€800€400▼
Plant, machinery and equipment23€800€400▼
Current assets29/58€43k€181k▲
Amounts receivable within one year40/41€36k€19k▼
Trade receivables40€33k€8k▼
Other amounts receivable41€3k€11k▲
Cash at bank and in hand54/58€7k€162k▲
Equity and liabilities
Total equity and liabilities10/49€44k€181k▲
Equity10/15€31k€35k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€26k€30k▲
Amounts payable17/49€12k€146k▲
Amounts payable within one year42/48€12k€146k▲
Trade debts44€7k€144k▲
Suppliers440/4€3k€3k▼
Bills of exchange payable441€4k€141k▲
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€777€2k▲
Remuneration and social security454/9€4k-
Income statement
Code20242025
Turnover70€78k€425k▲
Goods, raw materials, services and sundry goods60/61€72k€412k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€400€400=
Other operating charges640/8€806€387▼
Gross operating margin9900€6k€13k▲
Operating profit (loss)9901€5k€12k▲
Financial charges65/66B€1k€6k▲
Recurring financial charges65€1k€6k▲
Profit (loss) for the period before taxes9903€4k€6k▲
Income taxes67/77€777€1k▲
Profit (loss) for the period9904€3k€4k▲
Profit (loss) for the period to be appropriated9905€3k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€30k▲
Profit (loss) brought forward from the previous period14P€23k€26k▲
The notes to these accounts (5 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity triplescurrent ratio 3.44
Current ratio from 1.34 to 3.44; short-term debt falls from €79k to €12k.
28-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €1k ▼95.6%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
28-04
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
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
13-06-2025
Resigned as Director
Location & real-estate footprint
Registered office, Wemmel · 1 establishment unit since 2021
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.
Koningin Astridlaan 59b1780 WemmelGround area
6,201 m²
Building footprint
1,886 m²
Volume, LiDAR
19,322 m³
Parcel 22662B0407/00D011, Flanders · tallest building 15.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
B CONSTRUCT
since 20212.315.544.309
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0407/00D011 | Flanders | 6,201 m² | 1 · 1,886 m² | 15.3 m · 3 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
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LEREM BV
BE 1010.687.243
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RF ATELIER
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Assesse · Eq €36k
STUDIO D'ANVERS
BE 0860.372.479
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M&A TECHNICS
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Tielt · Eq €35k
Of 4,097 companies in sector 43240 we hold annual accounts for 1,631. 1,268 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2021
Fiscal year end30-09
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.