B&E Construction
ActiveThe computed 12-month bankruptcy probability of B&E Construction is 1.9% (moderate). The 2025 annual accounts show equity of €128k and a net result of €19k. Equity is growing by ~46.4% per year across the filed fiscal years. Its solvency ranks better than 43% of 7293 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
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-24
Solvency72▼-11
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.78 in 2024), but 62.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
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
37.5%
Return on assets
5.7%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
7 d early
2022
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€128k▲ 18.0%
2024 · €108k
2022: €42k
2023: €62k
2024: €108k
2022 → 2025
Total assets
€341k▲ 37.2%
2024 · €248k
2022: €90k
2023: €117k
2024: €248k
2022 → 2025
Net result
€19k▼ 58.4%
2024 · €47k
2022: €37k
2023: €20k
2024: €47k
2022 → 2025
Working capital
€34k▲ 4.2%
2024 · €33k
2022: €35k
2023: €33k
2024: €33k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€42k-€62k▲ 47.5%€108k▲ 76.0%€128k▲ 18.0%
Operating result€54k-€30k▼ 45.6%€65k▲ 118%€34k▼ 47.5%
Net result€37k-€20k▼ 46.0%€47k▲ 136%€19k▼ 58.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €341k
Fixed assets
€248k▲ 43.7%
Current assets
€93k▲ 22.5%
Equity and liabilities €341k
Equity
€128k▲ 18.0%
Debt
€213k▲ 52.1%
The debt ratio rises from 56.4% to 62.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€55k▼
2024 · €79k
Cash flow
€40k▼
2024 · €61k
Solvency
37.5%▼
2024 · 43.6%
Current ratio
1.59▼
2024 · 1.78
Quick ratio
1.59▼
2024 · 1.78
Debt / equity
1.67▲
2024 · 1.29
ROE
15.2%▼
2024 · 43.2%
ROA
5.7%▼
2024 · 18.8%
Interest coverage
8.98▼
2024 · 20.72
Debt
€213k▲
2024 · €140k
Debt ≤ 1 year
€58k▲
2024 · €43k
Debt > 1 year
€150k▲
2024 · €97k
Income taxes
€8k▼
2024 · €14k
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€248k€341k▲
Fixed assets21/28€173k€248k▲
Tangible fixed assets22/27€170k€246k▲
Plant, machinery and equipment23€16k€14k▼
Furniture and vehicles24€17k€76k▲
Assets under construction and advance payments27€138k€155k▲
Financial fixed assets28€2k€2k=
Current assets29/58€76k€93k▲
Amounts receivable within one year40/41€62k€81k▲
Trade receivables40€23k€28k▲
Other amounts receivable41€38k€53k▲
Cash at bank and in hand54/58€14k€11k▼
Deferred charges and accrued income490/1€124€476▲
Equity and liabilities
Total equity and liabilities10/49€248k€341k▲
Equity10/15€108k€128k▲
Contributions10/11€5k€5k=
Reserves13€103k€123k▲
Distributable reserves133€103k€123k▲
Amounts payable17/49€140k€213k▲
Amounts payable after more than one year17€97k€150k▲
Financial debts170/4€97k€150k▲
Amounts payable within one year42/48€43k€58k▲
Current portion of amounts payable after more than one year42€9k€25k▲
Trade debts44€8k€14k▲
Suppliers440/4€8k€14k▲
Taxes, remuneration and social security45€26k€19k▼
Taxes450/3€26k€19k▼
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€21k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€82k€58k▼
Operating profit (loss)9901€65k€34k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€61k€28k▼
Income taxes67/77€14k€8k▼
Profit (loss) for the period9904€47k€19k▼
Profit (loss) for the period to be appropriated9905€47k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€19k▼
Transfer to equity691/2€47k€19k▼
To other reserves6921€47k€19k▼
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €19k ▼58.4%
Net result drops to €19k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2022net €47k ▲136%
Operating result €65k, net result €47k, both a record.
31-12
Financial
Equity above €100kEq €108k ▲76%
3 profitable years in a row build equity to €108k.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Niklaas · 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.
Breedstraat 2449100 Sint-NiklaasGround area
412 m²
Building footprint
109 m²
Volume, LiDAR
566 m³
Parcel 46442C0537/00W002, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B&E Construction
since 20212.325.443.158
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46442C0537/00W002 | Flanders | 411 m² | 1 · 109 m² | 9.1 m · 2 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
Y.M.D. Bouwwerken
BE 0708.924.104
Tongeren-Borgloon · Eq €128k
IMAGINER ET CONSTRUIRE
BE 0842.284.157
Assesse · Eq €128k
REX CONSTRUCTION
BE 0672.485.954
Gent · Eq €128k
Pirot Michaël SRL
BE 0768.786.465
Bouillon · Eq €128k
PROFI RENO
BE 0843.060.949
Antwerpen · Eq €128k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,863. 12,750 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.