B & D DESIGN
ActiveSummary
B & D DESIGN has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €85,551 and a net result of €7,855. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 42% of 36378 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability73▲+6
Solvency64▲+9
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 1.51 against 1.22 in 2023; short-term debt: 60.5% and cash: 0.8% of total assets), but 60.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Specialised construction activities (NACE 43)
about 85% 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 · 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 2024Solvency, return and age of the figures
Solvency
39.5%
Return on assets
3.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
70 d late
2023
139 d late
2022
34 d early
2021
102 d late
2020
96 d late
2019
112 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 81 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
In the rankings
#8 oldest company in Wingene, Construction sector
Equity
€85,551▲ 10.1%
2023 · €77,696
Total assets
€216,592▼ 16.0%
2023 · €257,712
Net result
€7,855
2023 · -€4,350
Working capital
€66,467▲ 69.2%
2023 · €39,290
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€23,668▲ 91.1%€20,269▼ 14.4%€11,128▼ 45.1%-€239€15,585
Net result€16,190within the sector's middle half▲ 215%€15,613within the sector's middle half▼ 3.6%€1,521within the sector's middle half▼ 90.3%-€4,350below the sector's middle half€7,855within the sector's middle half
Equity€64,913within the sector's middle half▲ 33.2%€80,525within the sector's middle half▲ 24.1%€82,046within the sector's middle half▲ 1.9%€77,696within the sector's middle half▼ 5.3%€85,551within the sector's middle half▲ 10.1%
Total assets€221,184within the sector's middle half▲ 3.7%€209,826within the sector's middle half▼ 5.1%€241,130within the sector's middle half▲ 14.9%€257,712within the sector's middle half▲ 6.9%€216,592within the sector's middle half▼ 16.0%
Debt€156,271▼ 5.1%€129,301▼ 17.3%€159,083▲ 23.0%€180,016▲ 13.2%€131,041▼ 27.2%
Working capital-€23,226below the sector's middle half▲ 59.8%€17,564within the sector's middle half€25,362within the sector's middle half▲ 44.4%€39,290within the sector's middle half▲ 54.9%€66,467within the sector's middle half▲ 69.2%
Solvency29.3%within the sector's middle half▲ 6.5pp38.4%within the sector's middle half▲ 9.0pp34.0%within the sector's middle half▼ 4.4pp30.1%within the sector's middle half▼ 3.9pp39.5%within the sector's middle half▲ 9.4pp
Current ratio0.79below the sector's middle half▲ 0.251.18within the sector's middle half▲ 0.391.17within the sector's middle half=1.22within the sector's middle half▲ 0.051.51within the sector's middle half▲ 0.29
Return on assets (ROA)7.3%within the sector's middle half▲ 4.9pp7.4%within the sector's middle half▲ 0.1pp0.6%below the sector's middle half▼ 6.8pp-1.7%below the sector's middle half▼ 2.3pp3.6%within the sector's middle half▲ 5.3pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €15,585 after a loss of €239 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €216,592
Fixed assets
€19,084 ▼ 52.9%
Current assets
€197,508 ▼ 9.0%
Equity and liabilities €216,592
Equity
€85,551 ▲ 10.1%
Debt
€131,041 ▼ 27.2%
Debt's share of the balance-sheet total falls from 69.9% to 60.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49,585▲
2023 · €29,161
Cash flow
€41,855▲
2023 · €25,049
Quick ratio
1.20▲
2023 · 0.83
Debt to equity
1.53▼
2023 · 2.32
ROE
9.2%▲
2023 · -5.6%
Interest coverage
6.38▲
2023 · 6.16
Debt ≤ 1 year
€131,041▼
2023 · €177,862
Debt > 1 year
€0▼
2023 · €2,154
Income taxes
€786
Staff costs
€8,236▲
2023 · €2,125
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,040 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 17,040 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €2,125 | €8,236 | ▲ 287% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €40,781 | €51,475 | €29,912 | €29,400 | €34,000 | ▲ 15.6% |
| Other operating charges640/8 | - | €940 | €2,552 | €1,291 | €3,212 | ▲ 149% |
| Non-recurring operating charges66A | - | - | - | - | €313 | - |
| Gross operating margin9900 | €65,785 | €72,684 | €43,592 | €32,577 | €61,346 | ▲ 88.3% |
| Operating profit (loss)9901 | €23,668 | €20,269 | €11,128 | -€239 | €15,585 | ▲ 6,624% |
| Financial income75/76B | - | €172 | €856 | €624 | €826 | ▲ 32.3% |
| Recurring financial income75 | €360 | €172 | €856 | €624 | €826 | ▲ 32.3% |
| Financial charges65/66B | - | €4,829 | €10,463 | €4,735 | €7,770 | ▲ 64.1% |
| Recurring financial charges65 | €7,839 | €4,829 | €10,463 | €4,735 | €7,770 | ▲ 64.1% |
| Profit (loss) for the period before taxes9903 | €16,190 | €15,613 | €1,521 | -€4,350 | €8,641 | ▲ 299% |
| Income taxes67/77 | - | - | - | - | €786 | - |
| Profit (loss) for the period9904 | €16,190 | €15,613 | €1,521 | -€4,350 | €7,855 | ▲ 281% |
| Profit (loss) for the period to be appropriated9905 | €16,190 | €15,613 | €1,521 | -€4,350 | €7,855 | ▲ 281% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €221,184 | €209,826 | €241,130 | €257,712 | €216,592 | ▼ 16.0% |
| Fixed assets21/28 | €134,752 | €93,080 | €69,960 | €40,560 | €19,084 | ▼ 52.9% |
| Tangible fixed assets22/27 | €134,752 | €93,080 | €69,960 | €40,560 | €15,784 | ▼ 61.1% |
| Plant, machinery and equipment23 | - | €27,094 | €25,054 | €16,735 | €8,973 | ▼ 46.4% |
| Furniture and vehicles24 | - | €2,360 | €1,685 | €1,011 | €4,560 | ▲ 351% |
| Other tangible fixed assets26 | - | €63,626 | €43,220 | €22,813 | €2,250 | ▼ 90.1% |
| Financial fixed assets28 | - | - | - | - | €3,300 | - |
| Current assets29/58 | €86,432 | €116,746 | €171,170 | €217,152 | €197,508 | ▼ 9.0% |
| Stocks and contracts in progress3 | €1,750 | €21,000 | €56,000 | €70,234 | €40,000 | ▼ 43.0% |
| Stocks30/36 | - | €3,500 | €13,500 | €27,734 | €25,000 | ▼ 9.9% |
| Contracts in progress37 | - | €17,500 | €42,500 | €42,500 | €15,000 | ▼ 64.7% |
| Amounts receivable within one year40/41 | €81,855 | €95,420 | €112,474 | €146,918 | €155,722 | ▲ 6.0% |
| Trade receivables40 | - | €85,117 | €80,928 | €107,237 | €134,791 | ▲ 25.7% |
| Other amounts receivable41 | - | €10,303 | €31,546 | €39,681 | €20,930 | ▼ 47.3% |
| Cash at bank and in hand54/58 | €327 | €327 | €2,696 | - | €1,786 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €221,184 | €209,826 | €241,130 | €257,712 | €216,592 | ▼ 16.0% |
| Equity10/15 | €64,913 | €80,525 | €82,046 | €77,696 | €85,551 | ▲ 10.1% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €34,624 | €34,624 | €34,624 | €34,624 | €42,480 | ▲ 22.7% |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | €32,765 | €32,765 | €32,765 | €40,620 | ▲ 24.0% |
| Profit (loss) carried forward14 | €11,696 | €27,309 | €28,830 | €24,479 | €24,479 | = |
| Amounts payable17/49 | €156,271 | €129,301 | €159,083 | €180,016 | €131,041 | ▼ 27.2% |
| Amounts payable after more than one year17 | €46,613 | €30,118 | €13,276 | €2,154 | €0 | ▼ 100% |
| Financial debts170/4 | - | €30,118 | €13,276 | €2,154 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €109,658 | €99,182 | €145,808 | €177,862 | €131,041 | ▼ 26.3% |
| Current portion of amounts payable after more than one year42 | - | €16,496 | €16,843 | €11,121 | €2,154 | ▼ 80.6% |
| Financial debts43 | - | €9,770 | - | €12,565 | €0 | ▼ 100% |
| Credit institutions430/8 | - | €9,770 | - | €12,565 | €0 | ▼ 100% |
| Trade debts44 | €91,387 | €72,058 | €128,965 | €154,176 | €116,711 | ▼ 24.3% |
| Suppliers440/4 | - | €72,058 | €128,965 | €154,176 | €116,711 | ▼ 24.3% |
| Taxes, remuneration and social security45 | - | €857 | - | - | €12,176 | - |
| Taxes450/3 | - | - | - | - | €11,855 | - |
| Remuneration and social security454/9 | - | €857 | - | - | €321 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,190 | €15,613 | €1,521 | -€4,350 | €7,855 | ▲ 281% |
| + Depreciation and write-downs630 | €40,781 | €51,475 | €29,912 | €29,400 | €34,000 | ▲ 15.6% |
| Operating cash flow (approximation) | €56,971 | €67,087 | €31,433 | €25,049 | €41,855 | ▲ 67.1% |
| Investment in fixed assets (approximation) | - | -€9,803 | -€6,792 | €0 | -€12,525 | - |
| Change in cash | - | €0 | €2,370 | - | - | - |
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
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
31-12
Financial
Back to profitnet €7,855
Net result €7,855 after one loss-making year.
17-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 139 days late
2023
31-12
Financial
Weakest financial yearnet -€4,350
Net result drops to -€4,350, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 102 days late
2021
04-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 96 days late
2020
31-12
Financial
Highest result since 2018net €16,190 ▲215%
Operating result €23,668, net result €16,190, both a record.
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 112 days late
2019
12-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 43 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
2016
03-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 3 days late
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.
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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, Wingene · 1 establishment unit since 1984
Ground area
1,412 m²
Building footprint
216 m²
Volume, LiDAR
1,093 m³
Parcel 37018E0616/00P000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
B & D DESIGN
since 19842.023.591.036
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37018E0616/00P000 | Flanders | 1,412 m² | 1 · 216 m² | 8.7 m · 2 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.
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Etablissements Jean Robinet
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Of 20,025 companies in sector 43320 we hold annual accounts for 9,140. 7,693 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-12-1983
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0424896523
Also
9925:BE0424896523
Registered
02-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.