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B & D CONSTRUCT

Active Public limited companyfounded 1998active for 28 yearsMeeuwenlaan 32, 8434 MiddelkerkeKBO/BCE: BE 0463.217.263
B & D CONSTRUCT
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Overview

Lifetime

19 annual accounts with figures on one time axis, 28 filings since 1998
peak €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 accounts

Turnover

≈ €300,000 estimated

The accounts state no turnover.

Investments

€1,017 0.0 × depreciation
2022202320242026

Green is investment, beige is depreciation.

Filings

28 annual accounts since 1998
deadline200020102020

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 strength
Strong

81+2equity 56.2% of total assets
54-3short-term debt 7.5% · cash 3.3%
61-9return on assets 0.0%

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
  • Small
  • 20 years or older
  • solvency 30% or more
  • a profit under 5% of the balance sheet

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.

The companies in ten equal groups, from the lowest to the highest expected share
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.

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 riskneutral
lowers risk · Size: total assets €3.5m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2026 (filed on 14-10-2026)
NBB · annual accounts
raises risk · Liquidity: current ratio 2.95, cash €117,234
NBB · annual accounts
lowers risk · Legal form: public limited company
KBO
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 filings
Deviation 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 months
Where today falls in the filing period
11-11-2026 today31-03-2027 year end31-10-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

BI
BC INVEST
Managing director, Christophe Bouve
D
DOBIN
Managing director, Veerle Dobbelaere
AB
Amber Bouve
Director
BI
BC INVEST
Director, Christophe Bouve, since 22-09-2026
  • IMMO B.C. 33.33%score 68equity €401,800 (2026) · 31-03-2026 annual accounts of IMMO B.C.
Board & ownership

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
All 44 events

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
Company details

Annual accounts to 31-03-2026

€171,896▼ 4.1%
€1,513▼ 96.4%
€2.0m▼ 1.1%
€3.5m▼ 4.3%
Filing
Filed on 07-10-2026, 24 days before the end of the filing period
Financials

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.

Financials

Annual accounts 2026

full format, filed on 07-10-2026, 24 days before the deadline
€171,896
▼ 4.1%
€16,345
▼ 66.7%
€128,266
▼ 20.3%
€113,435
▼ 26.2%
56.2%
▲ 1.8 percentage points
2.95
▲ 0.26

The turnover shown is an estimate from the gross margin.

Turnover ≈ €300,000. Estimated: probably between €240,000 and €460,000.

Balance sheet

balance sheet total €3.5m on 31-03-2026
What the company ownsHow it is paid for

in €m

in euro

Position in the sector

Compare with sector

56.2%

Higher than 63% of 5,812 companies in 2025.

2.95

Higher than 69% of 5,563 companies in 2025.

0.0%

Higher than 54% of 5,786 companies in 2025.

B & D CONSTRUCT Middle half of the sector 80% of the sector Full accounts in real estate (NACE 68)

Staff

Staff costs divided by the average number of full-time equivalents.

people who joined people who left

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2026202520242023202220212020201920182016201520142013201220112010200920082007
Balance sheet: assets
20/58 3.5m3.7m3.8m3.8m3.8m3.2m2.8m2.4m2.2m1.9m1.8m1.8m2.0m1.6m1.4m1.4m1.2m1.2m1.1m
20 -------000000000---
21/28 2.8m2.9m3.0m3.1m3.1m2.6m2.0m1.8m1.5m768,467941,646947,841977,9351.0m1.0m1.0m816,221847,814506,367
21 -------000000000---
22/27 2.8m2.9m3.0m3.1m3.1m2.6m2.0m1.7m1.5m768,467941,646947,841977,9351.0m1.0m1.0m816,221847,814506,367
22 2.8m2.9m3.0m3.1m3.1m2.6m2.0m1.7m1.5m763,257936,587939,372968,631997,8891.0m994,844811,612832,590503,738
23 -------06892,0673,3844,8701,7651,1759961,0341,9082,7832,042
24 --02725858974321,0091,5853,1431,6753,6007,5397,89311,59710,0092,70112,441588
26 -------000000000---
27 -------000000000---
28 ---032,75032,75032,75032,75000000000---
29/58 787,487835,463819,322639,481699,028626,854751,840654,589731,6261.1m841,987881,423974,440601,089354,910366,509334,981373,856595,765
29 416,160408,000-----0----0000--156,766
290 -------000000000--6,766
291 416,160408,000-----000000000--150,000
3 101,360101,360101,360101,360101,360268,334382,262378,347328,011580,876580,876583,794686,652331,175134,111134,111170,589170,589353,328
30/36 101,360101,360101,360101,360101,360268,334382,262378,347328,011580,876580,876583,794686,652331,175134,111134,111170,589170,589353,328
37 -------000000000---
40/41 152,582122,225518,331497,975509,092277,352260,490257,692363,136462,645226,669234,165267,435258,825198,253165,354150,032174,205-
40 56,70452,74752,65495,712260,9659,97219,9431,6944,413471,89401,1902994,1757,054-18,987-
41 95,87869,478465,676402,263248,127267,380240,547255,997358,723462,598224,775234,165266,246258,526194,079158,299150,032155,218-
50/53 -------000000000---
54/58 117,234203,878199,08933,70781,86978,425104,97718,55040,47859,21623,60252,4928,8354,13615,79060,12214,35929,06385,671
490/1 15105436,4406,7082,7434,1110017,64710,84010,97311,5186,9546,7556,922---
Balance sheet: equity and liabilities
10/49 3.5m3.7m3.8m3.8m3.8m3.2m2.8m2.4m2.2m1.9m1.8m1.8m2.0m1.6m1.4m1.4m1.2m1.2m1.1m
10/15 2.0m2.0m2.0m1.9m1.9m1.9m1.3m897,325910,800918,436776,119767,707745,750723,568712,193688,643662,619662,470634,992
10/11 62,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,02362,02362,023
10 62,50062,50062,50062,50062,500--------------
100 62,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,50062,02362,02362,023
101 -------000000000---
11 -------000000000---
1100/10 -------000000000---
12 -------000000000---
13 1.9m1.9m2.0m1.8m1.8m1.9m1.2m834,825848,300855,936713,619705,207683,250660,250649,250625,250599,816599,816572,338
130/1 6,2506,2506,2506,2506,2506,250-0----0000---
130 6,2506,2506,2506,2506,2506,2506,2506,2506,2506,2506,2506,2506,2506,2506,2506,2506,2026,2026,202
1312 -------000000000---
1319 -------000000000---
132 590,855621,567652,279682,991738,448770,190381,98718,75018,750127,960000000---
133 1.3m1.3m1.3m1.2m1.1m1.1m845,282809,825823,300721,726707,369698,957677,000654,000643,000619,000593,614593,614566,136
14 1310-----000000818443893780631631
15 -------000000000---
19 -------0----0000---
16 143,026150,704158,382166,060179,924187,860121,0790----0000---
160/5 -------000000000---
160 -------000---------
161 -------000---------
162 -------000---------
163 -------000---------
164/5 -------000---------
168 143,026150,704158,382166,060179,924187,860121,079000000000---
17/49 1.4m1.5m1.6m1.7m1.8m1.1m1.4m1.5m1.3m970,4151.0m1.1m1.2m884,478682,458683,752488,583559,200467,140
17 1.1m1.2m1.3m1.4m1.5m367,834426,282498,220574,114229,524275,825321,038365,257408,580450,784491,672164,835176,908211,275
170/4 846,469941,2071.0m1.1m1.2m367,834426,282498,220574,114229,524275,825321,038365,257408,580450,784491,672164,835175,784210,151
175 -------000000000---
176 -------000000000---
178/9 282,512282,512282,512282,512282,512--000000000-1,1241,124
42/48 266,639310,647274,996285,040237,277757,622929,7581.0m683,726726,580731,279724,715824,952466,451229,026183,547319,862379,876204,530
42 94,73893,646106,614105,117110,56058,44871,93875,459177,64246,30145,21344,21943,24442,20441,26240,929195,500209,28934,149
43 ----0195,000405,000555,000180,000355,000355,000355,000455,000175,00000---
430/8 ----0195,000405,000555,000180,000355,000355,000355,000455,000175,00000---
439 -------000000000---
44 14,6804,1404,0021,9911,294149,26085,94910,8719457,7165,3665,5512,2848286,70315,44615,49370,18930,444
440/4 14,6804,1404,0021,9911,294149,26085,94910,8719457,7165,3665,5512,2848286,70315,44615,49370,18930,444
441 -------000000000---
46 -0550----000000000---
45 15,7336,13012,76618,70716,24313,2631,2304,4672,1602,5013,1221,0451,1022,30014,78410,0092,081-40,611
450/3 15,7336,13012,76618,70716,24313,2631,2304,4672,1602,5013,1221,0451,1022,3007,2293,894159-40,611
454/9 -------00000007,5556,1151,922--
47/48 141,489206,732151,065159,226109,179341,651365,641364,153322,980315,062322,578318,899323,323246,119166,278117,163106,787100,39899,326
492/3 9,58055007515306301,4381,75519,35914,31141015,80516,4169,4472,6478,5333,8862,41651,335
Income statement
70 --------00000000---
76A --------00000000---
9900 171,896179,220279,868181,405221,754787,587584,88599,94776,412206,73380,587116,252133,45796,834172,404136,104104,12791,569460,225
60/61 --------00000000---
62 -------00000013,93532,60928,8633,406--
630 111,921111,899112,170112,440221,06663,16250,68381,87361,03529,02138,17834,95935,06933,62139,04153,17722,60243,238106,981
631/4 -------000000000---
635/8 -------000000000---
640/8 43,62918,29316,54642,77952,4517,8227,63625,97210,4539,8209,84110,83214,94413,4259,0867,6423,8928,2522,406
649 -------000000000---
66A -------0000000007,041--
9901 16,34549,029151,15226,186-51,763716,604526,566-7,8984,924167,89232,56870,46183,44435,85291,66846,42174,22740,079350,838
75/76B 9,6008,8758,0115,9274,9244,8309,3189,94125,02412,1279,1199,85910,6296,9717,2557,649494583,786
75 9,6008,8758,0115,9274,9244,8309,3189,94125,02412,1279,1199,85910,6296,9717,2557,649494583,786
76B -------000---------
65/66B 25,22823,31126,48219,98817,17514,92916,11114,83835,42536,13633,27241,19239,76931,41926,03825,04516,98212,9909,550
65 25,22823,31126,48219,98817,17514,92916,11114,83835,42536,13633,27241,19239,76931,41926,03825,04516,98212,9909,550
66B -------000---------
9903 71734,593132,68112,125-64,015706,505519,773-12,795-5,476143,8838,41539,12854,30311,40472,88629,02550,25227,547345,074
780 7,6787,6787,67813,8647,936--------------
680 ----0--------------
67/77 6,8824064,155---06802,1601,5672171122299,336050,10469938
9904 1,51341,865136,20425,990-56,079639,724398,694-13,475-7,636142,3178,41338,95754,18111,37563,55029,02514827,478344,136
789 30,71230,71230,71255,45731,74330,71210,7040127,9600000000---
689 ----0418,915373,941018,750127,960000000---
9905 32,22572,576166,91681,447-24,337251,52035,457-13,475101,57414,3578,41338,95754,18111,37563,55029,02514827,478344,136
Appropriation of the result
9906 32,22572,576166,91681,447-24,337251,52035,457-13,475101,57414,3578,41338,95755,00011,81864,44329,80578028,109344,767
791/2 ---024,337-013,47500000000---
691/2 9,09476166,91681,4470251,52035,4570101,57414,3578,41321,95723,00011,00024,00025,911-27,478164,136
691 -------000000000---
6920 -------0000000048---
6921 9,09476166,91681,4470251,52035,4570101,57414,3578,41321,95723,00011,00024,00025,863-27,478164,136
694/7 23,00072,500-----0---17,00032,000040,0003,000--180,000
694 -------000000000---
695 23,00072,500-----000017,00032,000040,0003,000--180,000
696 -------000---------
Social balance sheet
9087 ------------00.610.90.1--
Hours worked1013 ------------06381,6271,628280--
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The accounts for 9 older financial years (1998-2006) were filed as documents without figures as data, scans for example.

The notes to these accounts have 14 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 2026 at the NBB, filed on 07-10-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-03-2026 full format 07-10-2026 2026-00555764 PDF
31-03-2025 abbreviated format 13-10-2025 2025-00540747 PDF
31-03-2024 abbreviated format 04-06-2024 2024-00109498 PDF
31-03-2023 abbreviated format 31-10-2023 2023-00501131 PDF
31-03-2022 abbreviated format 27-10-2022 2022-20474321 PDF
31-03-2021 abbreviated format 19-10-2021 2021-72200467 PDF
31-03-2020 abbreviated format 13-10-2020 2020-61100540 PDF
31-03-2019 abbreviated format 22-10-2019 2019-71000321 PDF
31-03-2018 abbreviated format 31-08-2018 2018-61000029 PDF
31-12-2016 abbreviated format 31-07-2017 2017-39900004 PDF
31-12-2015 abbreviated format 20-04-2016 2016-10300451 PDF
31-12-2014 abbreviated format 28-08-2015 2015-53300389 PDF
31-12-2013 abbreviated format 11-08-2014 2014-41900271 PDF
31-12-2012 abbreviated format 02-05-2013 2013-10500303 PDF
31-12-2011 abbreviated format 15-06-2012 2012-17100443 PDF
31-12-2010 abbreviated format 24-06-2011 2011-19500548 PDF
31-12-2009 abbreviated format 29-09-2010 2010-56000073 PDF
31-12-2008 abbreviated format 15-10-2009 2009-81600056 PDF
31-12-2007 abbreviated format 15-10-2009 2009-81600058 PDF
31-12-2006 abbreviated format 20-03-2007 2007-07801184 PDF
31-12-2005 abbreviated format 09-06-2006 2006-21104303 PDF
31-12-2004 abbreviated format 12-08-2005 2005-64302168 PDF
31-12-2003 abbreviated format 23-06-2004 2004-30102506 PDF
31-12-2002 abbreviated format 11-06-2003 2003-22003129 PDF
31-12-2001 abbreviated format 24-09-2002 2002-58603058 PDF
31-12-2000 abbreviated format 13-08-2001 2001-49701654 PDF
31-12-1999 abbreviated format 07-07-2000 2000-38503870 PDF
31-12-1998 abbreviated format 21-02-2000 2000-04202744 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2026202520242023202220212020201920182016201520142013201220112010200920082007
128,266160,927263,322138,626169,303779,765577,24973,97565,959196,91370,746105,420118,51369,474130,70999,59896,82983,317457,819
113,435153,763248,375138,430164,987702,886449,37768,39853,399171,33746,59173,91589,25044,997102,59182,20122,75070,716451,116
1,01702,977159,949773,960938,519562,170378,161748,9412,88230,2394,8656,04683872,896242,8423,009384,685612,690
-86,6444,789165,382-48,1623,444-26,55286,427-21,928-35,614-28,89043,6574,700-11,654-44,33245,763-14,703-56,608-
520,848524,815544,326354,441461,752-130,768-177,918-355,36147,900393,803110,707156,709149,488134,638125,883182,96215,119-6,020391,235
56.2%54.4%53.8%50.4%49.1%59.6%46.7%37.3%41.6%48.6%43.5%42.0%38.2%45.0%51.1%50.2%57.6%54.2%57.6%
2.952.692.982.242.950.830.810.651.071.541.151.221.181.291.552.001.050.982.91
2.572.362.611.892.520.470.400.270.590.740.360.410.350.580.961.270.510.541.19
0.710.760.780.900.940.581.051.681.401.061.301.381.621.220.960.990.740.840.74
0.1%2.1%6.7%1.4%-3.0%33.0%30.8%-1.5%-0.8%15.5%1.1%5.1%7.3%1.6%8.9%4.2%0.0%4.1%54.2%
0.0%1.1%3.6%0.7%-1.5%19.7%14.4%-0.6%-0.3%7.5%0.5%2.1%2.8%0.7%4.6%2.1%0.0%2.2%31.2%
5.086.909.946.949.86--------------

EBIT margin: not included in this filing.

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.

Securities and guarantees

on own assets and for others
Item31-03-202631-03-202531-03-202431-03-202331-03-2022
Debts secured on the company's own assets€941,207€1.0m€1.1m€1.2m€1.4m
Mortgages, amount registered€50,000€50,000€50,000€50,000€50,000
€4.0m€4.0m€4.0m€4.0m€4.0m
Carrying value of the mortgaged assets€2.8m€2.9m€3.0m€3.1m€3.1m

Source: notes to the 2022 to 2026 annual accounts (statement of debts and off-balance-sheet rights and commitments)

Investments

fixed assets acquired
Item31-03-202631-03-202531-03-202431-03-202331-03-2022
Tangible fixed assets€1,017-€2,977€159,949€773,960
€111,921€111,899€112,170€112,440€221,066

Source: notes to the 2022 to 2026 annual accounts (statement of fixed assets)

Insights on B & D CONSTRUCT

The operating result for 2026 is 67% lower than in 2025 and the lowest since 2022. It is the second fall in a row.

Debt's share of the balance-sheet total falls from 41.5% to 39.7%. Equity and debt are lower.

Board & ownership

Board

4 directors, 2 in day-to-day management, last change in 2021
Amber Bouve
Director
current term since 22-09-2026 term until the 2026 general meeting
listed in the 2026 annual accounts, filed on 07-10-2026
BC INVEST NV
Director and managing director, permanent representative Christophe Bouve
director current term since 22-09-2026 managing director appointed by deed of 06-11-2019 term until the 2026 general meeting
listed in the 2026 annual accounts, filed on 07-10-2026
BC INVEST
Director, permanent representative Christophe Bouve
since 22-09-2026
also on the board of 1 other company
listed in the 2026 annual accounts, filed on 07-10-2026
DOBIN BV
Director and managing director, permanent representative Veerle Dobbelaere
director current term since 22-09-2026 managing director appointed by deed of 06-11-2019 term until the 2026 general meeting
listed in the 2026 annual accounts, filed on 07-10-2026
BC INVEST, DOBIN
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Voor de uitoefening van het mandaat van de NV BC Invest, als gedelegeerd bestuurder in de NV B & D CONSTRUCT, werd de heer Christophe Bouve…”
deed of 29-10-2021
Permanent representatives 2
Christophe Bouve
Permanent representative, for BC INVEST
in office according to the deed of 29-10-2021
Veerle Dobbelaere
Permanent representative, for DOBIN
in office according to the deed of 29-10-2021

Office holders in the KBO →

Mandates through the years

6 names, the dashed line is today
BC INVEST
Director
DOBIN
Director, Managing director
Amber Bouve
Director
BC INVEST
Managing director, Director
IMMO B.C.
Managing director
B&C IMMO
Managing director
LeadershipBoardEarliermandate already running before its first mentionend not dated
Mandates as a list
  • BC INVEST
    • Director, since before 27-04-2017
  • DOBIN
    • Director, since before 27-04-2017
    • Managing director, appointed by deed of 06-11-2019, still in office
  • Amber Bouve
    • Director, appointed by deed of 06-11-2019, still in office
  • BC INVEST
    • Managing director, appointed by deed of 06-11-2019, still in office
    • Director, since before 20-09-2021
  • IMMO B.C.
    • Chair of the board, until 30-09-2019
    • Director, until 30-09-2019
    • Managing director, until 30-09-2019
  • B&C IMMO
    • Chair of the board, from before 27-04-2017, last mentioned in 2017
    • Director, from before 27-04-2017, last mentioned in 2017
    • Managing director, from before 27-04-2017, last mentioned in 2017

See the board, name and registered office on a given date →

Control

Shareholder
IMMO B.C.
Equity €401,800
Loss €65,189 in 2026 (loss €88,385 in 2025)
Checked score 68
Source: accounts IMMO B.C. 31-03-2026
33.33%
This company
B & D CONSTRUCT
Equity €2.0m
Profit €1,513 in 2026

Capital

Capital
€62,500
Shares
900
Contribution per share
€69.44
Equity per share
€2,211 in 2026
Source
deed of 14-04-2022

Owners through the years

as the annual accounts name them
IMMO B.C.
33.33%
33.33%
KRISS VAKANTIESERVICE
30% until 2006
Owners as a list

Source: lists of holdings in the owners' accounts

Articles of association

deed of 14-04-2022 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 3 directors
Term of at most 6 years
“Gedelegeerden dagelijks bestuur, bestuursorgaan kan hen op elk ogenblik ontslaan”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Friday of September at 11:00

Network & group

No group

B & D CONSTRUCT has no parent and no holdings in its annual accounts.

At the same address

Meeuwenlaan 32, 8434 Middelkerke · 3 other companies
BC INVEST
registered office since 05-02-2002 · founded in 1993
 total assets €2.4m (2026)
0450.302.902
IMMO B.C.
registered office since 15-07-2021 · founded in 1990
 6.2 FTE (2026)
0440.345.356
DOBIN
registered office since 08-06-1998 · founded in 1998
 total assets €1.2m (2026)
0462.765.224

Connections & network

2 connected companies
Depth

The connected companies are in the list below.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
Espace Industriel des Plénesses
via BC INVEST · Managing director · deed of 19-10-2018
Founded in 2017 · total assets €14.0m (2025)
→
B & G PROMOTIONS
via BC INVEST · Director · deed of 16-03-2022
No longer active · total assets €102,034 (2024)
→

Timeline

Timeline

44 events since 1998

Deadline for the 2027 accounts: 31-10-2027

2026
Annual accounts 2026 filed NBBfull format · 24 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0463217263
2025
Annual accounts 2025 filed PDFabbreviated format · 18 days before the deadline
2024
Annual accounts 2024 filed PDFabbreviated format · 149 days before the deadline
Equity above €2m equity €2.0m ▲7.1% After 2 profitable years in a row, equity reaches €2.0m.
2023
Annual accounts 2023 filed PDFabbreviated format · on the deadline day
Back to profit net €25,990 The net result is €25,990, after one loss-making year.
2022
Annual accounts 2022 filed PDFabbreviated format · 4 days before the deadline
Registered office moved within MiddelkerkeNew registered office: Meeuwenlaan 32, 8434 Middelkerke (Westende) · Previous registered office: Meeuwenlaan 30, 8434 Middelkerke (Westende) · General meeting of 29-03-20223 points ▸
  • General meeting, 29-03-2022
  • Registered-office move, Meeuwenlaan 32, 8434 Middelkerke (Westende)
  • Capital, €62,500, 900 shares
  • The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

Weakest financial year net -€56,079 The net result drops to -€56,079, the lowest from 2007 to 2026. It recovers the following year.
Liquidity more than triples current ratio 2.95 The current ratio rises from 0.83 to 2.95. Short-term debt falls from €757,622 to €237,277.
2021
3 directors reappointedBC Invest (managing director), Dobin (managing director) and Amber Bouve · Permanent representatives: Christophe Bouve and Veerle Dobbelaere · General meeting of 20-09-20219 points ▸
  • General meeting, 20-09-2021
  • Director reappointment, BC Invest
  • Director reappointment, Dobin
  • Director reappointment, Amber Bouve
  • Board meeting, 20-09-2021
  • Director reappointment, BC Invest (managing director)
  • Director reappointment, Dobin (managing director)
  • Permanent representative, Christophe Bouve, mentioned twice in the deed
  • Permanent representative, Veerle Dobbelaere, mentioned twice in the deed
  • The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

Annual accounts 2021 filed PDFabbreviated format · 12 days before the deadline
Environmental permit granted OmgevingsloketBouwen of herbouwen, Verbouwen en/of uitbreiden met functiewijziging en met wijziging van aantal woongelegenheden · Middelkerke
Highest result from 2007 to 2026 net €639,724 ▲60.5% The operating result of €716,604 and the net result of €639,724 are both a record.
2020
Annual accounts 2020 filed PDFabbreviated format · 18 days before the deadline
Back to profit net €398,694 The net result is €398,694, after 2 loss-making years.
Equity above €1m equity €1.3m ▲44.4% Equity rises from €897,325 to €1.3m.
2019
3 directors appointed, 1 resignationResignation: BVBA IMMO B.C. (managing director) · Permanent representative: Christophe Bouve · Appointments: Amber Bouve, NV BC INVEST (managing director) and BVBA DOBIN (managing director) · General meeting of 30-09-20199 points ▸
  • General meeting, 30-09-2019
  • Director resignation, BVBA IMMO B.C.
  • Permanent representative, Christophe Bouve
  • Director appointment, Amber Bouve
  • Board meeting, 30-09-2019
  • Director resignation, BVBA IMMO B.C. (managing director)
  • Director resignation, BVBA IMMO B.C. (chair of the board)
  • Director appointment, NV BC INVEST (managing director)
  • Director appointment, BVBA DOBIN (managing director)

Open the deed in the Belgian Official Gazette

Annual accounts 2019 filed PDFabbreviated format · 9 days before the deadline
2018
Annual accounts 2018 filed PDFabbreviated format · 61 days before the deadline
BoekjaarGeneral meeting of 29-12-20171 point ▸
  • General meeting, 29-12-2017
  • The deed holds 2 more points.

Open the deed in the Belgian Official Gazette

2017
Annual accounts 2016 filed PDFabbreviated format · on the deadline day
3 directors reappointedDOBIN, IMMO B.C. (chair of the board) and BC INVEST · Permanent representatives: Veerle Dobbelaere and Christophe Bouve · General meeting of 26-03-20169 points ▸
  • General meeting, 26-03-2016
  • Director reappointment, DOBIN
  • Permanent representative, Veerle Dobbelaere
  • Director reappointment, IMMO B.C.
  • Permanent representative, Christophe Bouve, mentioned twice in the deed
  • Director reappointment, BC INVEST
  • Board meeting, 26-03-2016
  • Director reappointment, IMMO B.C. (chair of the board)
  • Director reappointment, IMMO B.C. (managing director)
  • The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

2016
Annual accounts 2015 filed PDFabbreviated format · 102 days before the deadline
2015
Annual accounts 2014 filed PDFabbreviated format · 28 days late
2014
Annual accounts 2013 filed PDFabbreviated format · 11 days late
2013
Annual accounts 2012 filed PDFabbreviated format · 90 days before the deadline
2012
Annual accounts 2011 filed PDFabbreviated format · 46 days before the deadline
2011
Annual accounts 2010 filed PDFabbreviated format · 37 days before the deadline
2010
Annual accounts 2009 filed PDFabbreviated format · 60 days late
2009
Annual accounts 2007 filed PDFabbreviated format · 441 days late
Annual accounts 2008 filed PDFabbreviated format · 76 days late
2007
Annual accounts 2006 filed PDFabbreviated format · 133 days before the deadline
2006
Annual accounts 2005 filed PDFabbreviated format
2005
Annual accounts 2004 filed PDFabbreviated format
2004
Annual accounts 2003 filed PDFabbreviated format
2003
Annual accounts 2002 filed PDFabbreviated format
2002
Annual accounts 2001 filed PDFabbreviated format
2001
First establishment Meeuwenlaan 32, Middelkerke
Annual accounts 2000 filed PDFabbreviated format
2000
Annual accounts 1999 filed PDFabbreviated format
Annual accounts 1998 filed PDFabbreviated format
1998
Incorporation published on 05-05-1998

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 22 April 1998, B & D CONSTRUCT was incorporated.1 In 2022 the registered office moved to Middelkerke.2 Total assets went from €2.4m in 2019 to €3.5m in 2026.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 14-04-2022
  3. 3National Bank, annual accounts 2019 and 2026

Company details

Identity

Enterprise number
0463.217.263
VAT number
BE 0463.217.263
Peppol ID
0208:0463217263
Other Peppol ID
9925:BE0463217263
Legal form
Public limited company
Status
Active, normal situation
Founded
22-04-1998
Financial year
ends on 31 March
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Friday of September at 11:00
deed of 14-04-2022 (in Dutch)
Peppol
Reachable since 17-07-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
B & D CONSTRUCT in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 14-04-2022 (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.
“Meeuwenlaan 32, 8434 Middelkerke (Westende)”
deed of 14-04-2022 (in Dutch)

Activities

NACEBEL 2025
68310 Real estate agency activities main activity
Codes under NACEBEL 2008
68311 Real estate activities main activity
Codes under NACEBEL 2003
70311 main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Alle hoegenaamde bedrijvigheid betrekkelijk onroerende goederen,gebouwd of ongebouwd en alle hoegenaamde handelingen betreffende onroerende…”
8 activities
  1. Alle hoegenaamde bedrijvigheid betrekkelijk onroerende goederen,gebouwd of ongebouwd en alle hoegenaamde handelingen betreffende onroerende rechten,dit alles zo voor eigen noodwendigheid of rekening als met het oog op vervreemding,of voor rekening van derden hetzij in samenwerking met derden.
  2. Alle onroerende goederen,gebouwen en gronden,aankopen,verkopen,ruilen,huren of verhuren,leasen,verkavelen,uitbaten,in waarde brengen,beheren,er toezicht op uitoefenen,bouwen,verbouwen,opmeten,afpalen,schatten,laten verbouwen,afwerken,veranderen,omvormen of onderhouden,herstellen,versieren,opschikken,afbreken.
  3. Alle aannemingen van werken,zo private als openbare aanvaarden en uitvoeren.
  4. Alle studies ontwerpen.
  5. Optreden als syndicus,als verzekeringsagentschap of als makelaar in verzekeringen,en meer bepaald alle mogelijke verzekeringen afsluiten met derden,alle mogelijke geldplaatsingen verrichten voor derden,optreden als verhurings- of verkoopsagent,als bemiddelaar,tussenpersoon of vertegenwoordiger in alle handelsverrichtingen.
  6. De overname en overlating verzekeren of uitvoeren van alle lichamelijke en onlichamelijke roerende goederen en rechten als handelsfondsen.
  7. Alle handelsdaden stellen en alle activiteiten uitvoeren in de publiciteitssector.
  8. Alle leningen en kredietopeningen aangaan en de onroerende en roerende goederen van de vennootschap in pand geven,zelfs ter waarborg van leningen of kredietopeningen toegestaan aan derden.
deed of 14-04-2022 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Meeuwenlaan 32 registered office 8434 Middelkerke 68201 Renting and operating of own or leased residential real estate, excluding social housing 24-12-2001 2.086.935.895

Buildings and parcels at the address

Ground area
278 m²
Buildings
225 m²
Volume, LiDAR
2,174 m³
Tallest building
13.6 m
Buildings to scale, each on its own parcel
225 m², 13.6 m 225 m², 13.6 m

Environmental permits

4 applications in Flanders since 2021 · 1 granted · 1 under appeal
02-02-2024 Under appeal Bouwen of herbouwen; Slopen van niet vrijstaande gebouwen of constructies project 2024009930 Provincie West-Vlaanderen
10-01-2024 Discontinued Bouwen of herbouwen; Slopen van niet vrijstaande gebouwen of constructies submitted 22-09-2023 · project 2023119961 Middelkerke
29-04-2022 Discontinued Functiewijziging submitted 26-04-2022 · project 2022058543 Middelkerke
18-05-2021 Granted Bouwen of herbouwen; Verbouwen en/of uitbreiden met functiewijziging en met wijziging van aantal woongelegenheden submitted 11-03-2021 · project 2021044896 Middelkerke

Source: Omgevingsloket Vlaanderen.

Location

registered office establishment The establishment unit on the map
4 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
35022A0001/00V032
ProtectedTownscape or village viewDorpskom Westende-BadSource ↗
278 m² 1 · 225 m² 13.6 m · 4

1 of these parcels carries protected heritage. Expect extra rules on renovation or sale.

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