B&H Construct
ActiveSummary
The computed 12-month bankruptcy probability of B&H Construct is 2.2% (moderate). The 2025 annual accounts show equity of €1,257 and a net result of -€1,743. Its solvency ranks better than 16% of 9,217 sector peers (NACE 41, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
2025 annual accounts filed late (3 days) Filed on 3 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00388306.
Turnover and EBIT margin not published: the micro format does not require them.
Peer companies
Historical observationOf the 280 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 95.7% are still going.
- Micro
- under 2 years old
- solvency under 10%
- a small loss
For this company itself Checked computes a higher bankruptcy probability: 2.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,472 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 74.5% 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 280 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.
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €222 |
| Other operating charges640/8 | €229 |
| Gross operating margin9900 | -€1,114 |
| Operating profit (loss)9901 | -€1,565 |
| Financial charges65/66B | €179 |
| Recurring financial charges65 | €179 |
| Profit (loss) for the period before taxes9903 | -€1,743 |
| Profit (loss) for the period9904 | -€1,743 |
| Profit (loss) for the period to be appropriated9905 | -€1,743 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €20,187 | |
| Fixed assets21/28 | €13,278 | |
| Tangible fixed assets22/27 | €13,278 | |
| Furniture and vehicles24 | €13,278 | |
| Current assets29/58 | €6,909 | |
| Amounts receivable within one year40/41 | €1,321 | |
| Other amounts receivable41 | €1,321 | |
| Cash at bank and in hand54/58 | €5,449 | |
| Deferred charges and accrued income490/1 | €139 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €20,187 | |
| Equity10/15 | €1,257 | |
| Contributions10/11 | €3,000 | |
| Profit (loss) carried forward14 | -€1,743 | |
| Amounts payable17/49 | €18,930 | |
| Amounts payable within one year42/48 | €18,930 | |
| Trade debts44 | €14,771 | |
| Suppliers440/4 | €14,771 | |
| Taxes, remuneration and social security45 | €359 | |
| Taxes450/3 | €359 | |
| Other amounts payable47/48 | €3,800 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€1,743 |
| + Depreciation and write-downs630 | €222 |
| Operating cash flow (approximation) | -€1,522 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 03-08-2026 | 2026-00388306 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.