Turnover
≈ €300,000 estimated
The accounts state no turnover.
B & D CONSTRUCT
Lifetime
19 annual accounts with figures on one time axis, 28 filings since 1998peak €787,587 (2021)
€171,896▼ 4.1%
lowest -€56,079 (2022)
€1,513▼ 96.4%
peak €2.0m (2024)
€2.0m▼ 1.1%
€1.4m▼ 8.5%
peak 1 FTE (2011)
-not published
Board6 names since 2017
4 directorsBC INVEST and 3 others
Owners2 names in the annual accounts
Documentsfilings and deeds
07-10-202624 days before the deadline
2026financial year
Result from €41,865 to €1,513Cash from €203,878 to €117,234
Key points
from the 2026 annual accountsInvestments
€1,017 0.0 × depreciation
Green is investment, beige is depreciation.
Filings
28 annual accounts since 1998
The last five annual accounts were filed 0 to 149 days before the end of the period.
Checked score
95
Excellent
Financially stronger than 62% of small companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 6,995 companies (NACE 68, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025lowest value
04-2025: < 0.1%● unchanged vs 03-2025lowest value
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: 0.1%▲ +0.1 percentage points vs 09-2025highest value
11-2025: < 0.1%▼ -0.1 percentage points vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 2.95, cash €117,234
lowers risk
Size: total assets €3.5m
Figures for financial year 2026 (filed on 14-10-2026)
Legal form: public limited company
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 68, small). It does better than 73% of them on solvency, 78% on liquidity, 59% on profitability and 38% on growth.
The bankruptcy probability was computed on 10-11-2026 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 31-03-2026.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 14,766 companies had the same profile as B & D CONSTRUCT has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of B & D CONSTRUCT itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 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 14,766 companies, not a prediction for B & D CONSTRUCT. 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 €180,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.95 (2.69 in 2025), above the usual 1.5. Short-term debt is 7.5% and cash 3.3% of total assets. 43.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 07-10-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
24 days early
2025
18 days early
2024
149 days early
2023
on the day
2022
4 days early
2021
12 days early
2020
18 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 32 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 13 October (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-03-2027 year end31-10-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0463217263
Registered office moved within Middelkerke
New registered office: Meeuwenlaan 32, 8434 Middelkerke (Westende) · Previous registered office: Meeuwenlaan 30, 8434 Middelkerke (Westende) · General meeting of 29-03-2022 · Gazette deed
3 directors reappointed
BC Invest (managing director), Dobin (managing director) and Amber Bouve · Permanent representatives: Christophe Bouve and Veerle Dobbelaere · General meeting of 20-09-2021 · Gazette deed
Environmental permit granted
Bouwen of herbouwen, Verbouwen en/of uitbreiden met functiewijziging en met wijziging van aantal woongelegenheden · Middelkerke
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| B & D CONSTRUCT Middelkerke | €3.5m | €171,896 | 56.2% | - |
| RIKIMMO Torhout | €3.9m | €149,905 | 23.3% | - |
| VASTGOEDPROJECTONTWIKKELING Knokke-Heist | €3.0m | €160,492 | 62.6% | - |
| VDW PROJECTS Hasselt | €3.3m | €176,720 | 60.0% | 1 |
| FREYOS Rumst | €3.8m | €179,542 | 90.6% | 2.7 |
| ERTRACO Kapellen | €3.6m | €150,461 | 93.8% | 0.9 |
| BLAD Bonheiden | €3.0m | €156,552 | 82.4% | - |
These companies have the same main activity as B & D CONSTRUCT: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €3m and €3.9m, founded between 1995 and 2000.
Official details
Source: KBO- Status
- Active since 22-04-1998Normal situation
- Activity
- Real estate agency activitiesNACE 68310
- Establishment unit
- 2.086.935.8958434 Middelkerke, since 24-12-2001
- Financial year end
- 31 March
- Peppol
- Reachable since 17-07-2026
Annual accounts to 31-03-2026
- €3.5m▼ 4.3%
- Filing
- Filed on 07-10-2026, 24 days before the end of the filing period
Insights on B & D CONSTRUCT
B & D CONSTRUCT has existed since 1998. In 2020 the gross margin rose from €99,947 to €584,885.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about B & D CONSTRUCT
- What is the company number of B & D CONSTRUCT?
- The company number of B & D CONSTRUCT is 0463.217.263. The VAT number is the same number with BE in front: BE 0463.217.263.
- Where is B & D CONSTRUCT based?
- The registered office is at Meeuwenlaan 32, 8434 Middelkerke.Company details
- What does B & D CONSTRUCT do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of B & D CONSTRUCT?
- B & D CONSTRUCT is a public limited company (NV).
- When was B & D CONSTRUCT founded?
- B & D CONSTRUCT was founded on 22-04-1998.
- Is B & D CONSTRUCT still active?
- Yes, B & D CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of B & D CONSTRUCT?
- The turnover in financial year 2026 is ≈ €300,000. This figure is estimated from the gross margin of €171,896 and 32 comparable companies (NACE 68310). It probably lies between €240,000 and €460,000.Financials
- Is B & D CONSTRUCT profitable?
- In financial year 2026, B & D CONSTRUCT made a profit of €1,513.
- Where can I find the annual accounts of B & D CONSTRUCT?
- B & D CONSTRUCT filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of B & D CONSTRUCT due?
- B & D CONSTRUCT must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
Next steps
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