Turnover
≈ €260,000 estimated
The micro format states no turnover.
B-Constructive
Overview
Lifetime
1 annual account with figurespeak €50,302 (2025)
€50,302
peak €29,308 (2025)
€29,308
peak €31,308 (2025)
€31,308
€36,715
Board1 name since 2024
1 directorBOGAERTS Steven Guido Mia
Documentsfilings and deeds
25-08-202625 days late
2025micro format
First year with figures
Key points
from the 2025 annual accounts2025 accounts filed 25 days after the deadline
Checked score
52
Fair
Financially stronger than 70% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.1% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 3.6%
01-2026: 3.6%● unchanged vs 12-2025
02-2026: 3.8%▲ +0.2 percentage points vs 01-2026
03-2026: 4.1%▲ +0.3 percentage points vs 02-2026
04-2026: 4.2%▲ +0.1 percentage points vs 03-2026
05-2026: 4.6%▲ +0.4 percentage points vs 04-2026
06-2026: 4.6%● unchanged vs 05-2026
07-2026: 5.0%▲ +0.4 percentage points vs 06-2026highest value
08-2026: 4.8%▼ -0.2 percentage points vs 07-2026
09-2026: 3.0%▼ -1.8 percentage points vs 08-2026lowest value
10-2026: 3.1%▲ +0.1 percentage points vs 09-2026
11-2026: 3.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Size: total assets €68,023
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Equity €31,308 (46.0% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 54% of them on solvency, 63% on liquidity and 91% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as B-Constructive has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
The bankruptcy probability of B-Constructive itself is higher: 3.1% within 12 months. It rests on far more data about B-Constructive than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for B-Constructive. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.97, above the usual 1.5. Short-term debt is 13.5% and cash 8.4% of total assets. However, 54% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 25 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
25 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016490714
Incorporation
Founder: BOGAERTS Steven Guido Mia · 100 shares · Appointment: BOGAERTS Steven Guido Mia (director) · published on 25-11-2024 · Gazette deed
First establishment
Broechemsesteenweg 23, Boechout
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| B-Constructive Boechout | €68,023 | €50,302 | 46.0% | - |
| AR-Reno Schilde | €66,179 | €57,399 | 58.8% | - |
| Marcopolo Bouw Edegem | €68,799 | €53,796 | 69.1% | - |
| OP DE BEECK PROJECTS Duffel | €66,186 | €47,119 | 57.4% | - |
| HUSARIA BOUWBEDRIJF Lille | €60,799 | €59,824 | 75.6% | - |
| ANSLOOS VERBOUWINGSWERKEN Mechelen | €59,167 | €42,829 | 49.6% | - |
| WM-Solutions Putte | €56,529 | €49,385 | 70.3% | - |
These companies have the same main activity as B-Constructive: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €56,500 and €68,800, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 21-11-2024Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 2 others
- Establishment unit
- 2.366.479.6032531 Boechout, since 21-11-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 03-12-2024
Insights on B-Constructive
The computed 12-month bankruptcy probability of B-Constructive is 3.1% (moderate). The 2025 annual accounts show equity of €31,308 and a net result of €29,308.
Its solvency ranks better than 53% of 9,462 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 25-08-2026, 25 days late€50,302
€41,922
€29,308
€18,048
46.0%
2.97
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €260,000. Estimated: probably between €190,000 and €430,000.
Balance sheet
balance sheet total €68,023 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
46.0%
Higher than 53% of 9,462 companies in 2025.
2.97
Higher than 74% of 9,210 companies in 2025.
43.1%
Higher than 92% of 9,282 companies in 2025.
B-Constructive
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
68,023 | |
21/28 |
40,798 | |
22/27 |
40,798 | |
23 |
2,235 | |
24 |
38,563 | |
29/58 |
27,225 | |
40/41 |
20,083 | |
40 |
7,669 | |
41 |
12,414 | |
54/58 |
5,747 | |
490/1 |
1,395 | |
| Balance sheet: equity and liabilities | ||
10/49 |
68,023 | |
10/15 |
31,308 | |
10/11 |
2,000 | |
13 |
29,308 | |
133 |
29,308 | |
17/49 |
36,715 | |
17 |
27,538 | |
170/4 |
27,538 | |
42/48 |
9,177 | |
42 |
7,577 | |
44 |
1,356 | |
440/4 |
1,356 | |
45 |
244 | |
450/3 |
244 | |
| Income statement | ||
9900 |
50,302 | |
630 |
6,708 | |
640/8 |
1,665 | |
66A |
6 | |
9901 |
41,922 | |
75/76B |
5 | |
75 |
5 | |
65/66B |
1,600 | |
65 |
1,600 | |
9903 |
40,326 | |
67/77 |
11,018 | |
9904 |
29,308 | |
9905 |
29,308 | |
| Appropriation of the result | ||
9906 |
29,308 | |
691/2 |
29,308 | |
6921 |
29,308 | |
| Document | ||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 25-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 25 days after the deadline. Filed on 25 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00420205.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 25-08-2026 | 2026-00420205 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 48,630 | ||
| 36,016 | ||
| 49,983 | ||
| 18,048 | ||
| 46.0% | ||
| 2.97 | ||
| 1.17 | ||
| 93.6% | ||
| 43.1% | ||
| 30.39 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €49,983 |
| €6,708 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on B-Constructive
Debt's share of the balance-sheet total is 54.0%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 19-11-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 25-08-2026
Mandates through the years
1 name, the dashed line is todayBOGAERTS Steven Guido Mia
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- BOGAERTS Steven Guido Mia
- Director (not named in the articles), from 19-11-2024 to date
Control
Capital
- Contribution
- €2,000
- Shares
- 100
- Contribution per share
- €20
- Equity per share
- €313 in 2025
- Source
- 2025 annual accounts
Articles of association
deed of 25-11-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- 100 shares
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 21 June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 25-11-2024 ↗
- BOGAERTS Steven Guido Mia 100 shares (100%)
Network & group
No group
B-Constructive has no parent and no holdings in its annual accounts. BOGAERTS Steven Guido Mia is the only director. B-Constructive shares no director with another company.
At the same address
Broechemsesteenweg 23, 2531 Boechout · 4 other companies| House of Possiblities
registered office since 11-09-2018 |
founded in 2018 0703.896.633 |
| Heijlen, Margareta (sole trader)
establishment since 01-10-2013 |
founded in 2013 0539.803.416 |
| Malaise, Peter (sole trader)
establishment since 10-08-1992 |
founded in 1992 0769.094.687 |
| Geelen, Koen (sole trader)
establishment since 17-12-1984 |
founded in 1984 0509.708.868 |
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 25 days late
2024
Registered in the Peppol Directory Reachable for e-invoices through 0208:1016490714
IncorporationFounder: BOGAERTS Steven Guido Mia · 100 shares · Appointment: BOGAERTS Steven Guido Mia (director) · published on 25-11-20244 points ▸
- Founder, BOGAERTS Steven Guido Mia
- 100 shares
- Registered office clause, Broechemsesteenweg 23 bus 5, 2531 Boechout
- Director appointment, BOGAERTS Steven Guido Mia (director (not named in the articles))
- The deed holds 3 more points.
First establishment Broechemsesteenweg 23, Boechout
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1016.490.714
- VAT number
- BE 1016.490.714
- Peppol ID
- 0208:1016490714
- Other Peppol ID
- 9925:BE1016490714
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 21-11-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 21 June at 18:00deed of 25-11-2024 (in Dutch)
- Peppol
- Reachable since 03-12-2024Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- B-Constructive in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 25-11-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 25-11-2024 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
Codes under NACEBEL 2008
41201
General construction of buildings main activity
41202
Construction of residential and non-residential buildings
41203
Construction of residential and non-residential buildings
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het uitvoeren of laten uitvoeren van alle renovatiewerken; Het optrekken van ruwbouw van gebouwen; Algemene coördinatie van…”deed of 25-11-2024 (in Dutch)
25 activities
- Het uitvoeren of laten uitvoeren van alle renovatiewerken.
- Het optrekken van ruwbouw van gebouwen
- Algemene coördinatie van bouwwerkzaamheden
- Dakbedekking en bouw van dakconstructies
- Het plaatsen van dakbedekking van ongeacht welk materiaal -het plaatsen van dakgoten en regenafvoerbuizen
- Het waterdicht maken van daken en dakterrassen
- Onderneming voor het bouwen van schoorstenen en industriële ovens
- Onderneming voor het uitvoeren van voegwerken
- Het aanbrengen in gebouwen en andere bouwwerken van isolatiemateriaal
- Het aanbrengen van pleister- en stukadoorswerk aan de binnen- of buitenzijde van gebouwen;het plaatsen van tussenwanden van gipsplaten
- Schrijnwerk van hout of van kunststof
- De installatie van al dan niet verplaatsbare tussenwanden,de bekleding van wanden,plafonds,enz.
- De montage van buiten- en binnenschrijnwerk in metaal: deuren,vensters,kozijnen,trappen,muurkasten,enzovoorts.
- De montage van serres,veranda's enz. in metaal -de montage van buiten- en binnenschrijnwerk van kunststof
- Het behandelen van muren met vochtwerende en waterafstotende producten.
- Gevelreinigingswerken,gevelbeschermingswerken,gevelrenovatiewerken,gevelisolatie en gevelbekledingen
- Betonwerken,betonherstellingen,werken aan bruggen en industriële gebouwen,
- Overige werkzaamheden in verband met de afwerking van gebouwen.
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen,alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten,zoals de aan- en verkoop,de bouw,de verbouwing,de binnenhuisinrichting en decoratie,de huur- en verhuur,de ruil,de verkaveling en,in het algemeen,alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of op het productief maken,van onroerende goederen of onroerende zakelijke rechten.
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend vermogen; alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals de aan - en verkoop,de huur- en verhuur,de ruil; in het bijzonder het beheer en de valorisatie van alle verhandelbare waardepapieren,aandelen,obligaties,staatsfondsen;
- Het verwerven en aanhouden van participaties,in eender welke vorm,in alle bestaande of op te richten,industriële,commerciële,financiële,landbouw- of immobiliënvennootschappen of – ondernemingen; het stimuleren,de planning en coördinatie van de ontwikkeling van de vennootschappen en ondernemingen,waarin ze een participatie aanhoudt; het deelnemen aan hun beheer,bestuur,vereffening,en toezicht alsmede het verlenen van technische,administratieve en financiële bijstand aan deze vennootschappen en ondernemingen.
- Deze opsomming is niet beperkend zodat de vennootschap alle handelingen kan stellen die op welke wijze ook kunnen bijdragen tot de verwezenlijking van haar voorwerp.
- Zij mag alle commerciële,industriële en financiële activiteiten en alle onroerend en roerend goed verhandelingen uitvoeren,die rechtstreeks of onrechtstreeks verband houden met haar voorwerp of deze activiteiten die haar zullen toelaten voordeel te halen voor haar ontwikkeling.
- De vennootschap zal de leiding en het toezicht,in haar hoedanigheid van bestuurder,vereffenaar of anderszins,kunnen uitoefenen over,en advies verschaffen aan aanverwante ondernemingen en dochtervennootschappen.
- De vennootschap mag bij wijze van inbreng in speciën of in natura,fusie,onderschrijving,deelneming,financiële tussenkomst of anderszins,belangen nemen in andere bestaande of op te richten vennootschappen of ondernemingen,in België of in het buitenland,waarvan het voorwerp verwant of analoog is met het hare of van aard haar voorwerp te bevorderen.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Broechemsesteenweg 23 registered office 2531 Boechout | 21-11-2024 | 2.366.479.603 |
Buildings and parcels at the address
- Ground area
- 3,074 m²
- Buildings
- 858 m²
- Volume, LiDAR
- 4,488 m³
- Tallest building
- 10.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11047A0236/00T000 | 3,074 m² | 1 · 858 m² | 10.6 m · 1 |
Contact
E-mail
bogaertsconstruct@gmail.com establishment in Boechout
Phone
+32 495 57 67 73 establishment in Boechout
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1016.490.714