B.I.F. CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of B.I.F. CONSTRUCT is 1.8% (moderate). The 2025 annual accounts show equity of €18k and a net result of €-12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 95% of 2153 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 52.39 against 5.21 in 2024), and 1.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
98.1%
Return on assets
-64.3%
Age of the figures
9 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€12k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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
5 d late
2024
23 d late
2023
90 d late
2022
252 d late
2021
32 d late
2020
73 d late
2019
293 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€18k▼ 39.6%
2024 · €30k
2018: €12k
2019: €15k
2020: €7k
2021: €27k
2022: €35k
2023: €39k
2024: €30k
2018 → 2025
Total assets
€18k▼ 50.2%
2024 · €37k
2018: €12k
2019: €15k
2020: €23k
2021: €35k
2022: €48k
2023: €42k
2024: €37k
2018 → 2025
Net result
€-12k▼ 25.9%
2024 · €-9k
2019: €3k
2020: €-9k
2021: €20k
2022: €8k
2023: €4k
2024: €-9k
2019 → 2025
Working capital
€18k▼ 39.6%
2024 · €30k
2020: €7k
2021: €27k
2022: €35k
2023: €39k
2024: €30k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€35k▲ 29.7%€39k▲ 12.3%€30k▼ 23.9%€18k▼ 39.6%
Operating result€23k-€12k▼ 47.2%€7k▼ 46.0%€-6k€-12k▼ 87.9%
Net result€20k-€8k▼ 60.6%€4k▼ 46.2%€-9k€-12k▼ 25.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €6k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €18k
Equity
€18k▼ 39.6%
Debt
€351▼ 95.0%
The debt ratio falls from 19.2% to 1.9%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
98.1%▲
2024 · 80.8%
Current ratio
52.39▲
2024 · 5.21
Quick ratio
52.39▲
2024 · 5.21
Debt / equity
0.02▼
2024 · 0.24
ROE
-65.6%▼
2024 · -31.5%
ROA
-64.3%▼
2024 · -25.4%
Debt
€351▼
2024 · €7k
Debt ≤ 1 year
€351▼
2024 · €7k
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€37k€18k▼
Current assets29/58€37k€18k▼
Amounts receivable within one year40/41€37k€17k▼
Trade receivables40€22k€5k▼
Other amounts receivable41€14k€12k▼
Cash at bank and in hand54/58€420€1k▲
Equity and liabilities
Total equity and liabilities10/49€37k€18k▼
Equity10/15€30k€18k▼
Contributions10/11€7k€7k=
Capital10-€7k
Issued capital100-€7k
Outside capital11€7k-
Other1109/19€7k-
Reserves13€828€828=
Non-distributable reserves130/1€828€828=
Reserves not available under the articles1311€828€828=
Profit (loss) carried forward14€22k€10k▼
Amounts payable17/49€7k€351▼
Amounts payable within one year42/48€7k€351▼
Trade debts44€149€224▲
Suppliers440/4€149€224▲
Taxes, remuneration and social security45€680€128▼
Taxes450/3€680€128▼
Other amounts payable47/48€6k-
Income statement
Code20242025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€16k
Other operating charges640/8€2k€128▼
Gross operating margin9900€-4k€5k▲
Operating profit (loss)9901€-6k€-12k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€3k€310▼
Recurring financial charges65€3k€310▼
Profit (loss) for the period before taxes9903€-9k€-12k▼
Income taxes67/77€313-
Profit (loss) for the period9904€-9k€-12k▼
Profit (loss) for the period to be appropriated9905€-9k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€10k▼
Profit (loss) brought forward from the previous period14P€31k€22k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 5 days late
2025
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series.
31-12
Financial
Liquidity times 10current ratio 52.39
Current ratio from 5.21 to 52.39; short-term debt falls from €7k to €351.
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 90 days late
08-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 252 days late
2023
31-12
Financial
Liquidity times 5current ratio 18.60
Current ratio from 3.62 to 18.60; short-term debt falls from €13k to €2k.
2022
01-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 32 days late
2021
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.37
Current ratio from 1.41 to 4.37; short-term debt falls from €16k to €8k.
12-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 73 days late
20-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 293 days late
2019
23-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 84 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 18 days late
2016
18-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sint-Agatha-Berchem · 1 establishment unit since 2012
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.
Onze Lieve Vrouw van Fatimalaan 181082 Sint-Agatha-BerchemGround area
218 m²
Building footprint
86 m²
Volume, LiDAR
792 m³
Parcel 21342B0177/00S005, Brussels · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
B.I.F. CONSTRUCT
since 20122.205.526.414
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0177/00S005 | Brussels | 218 m² | 1 · 86 m² | 10.2 m · 3 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
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PERFECT WORKING GROUP
BE 0791.246.519
Zemst · Eq €18k
CONDOR
BE 0477.516.251
Bornem · Eq €18k
MC BOUW&BETONWERKEN
BE 0791.809.812
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JASPER SEGERS
BE 0783.436.930
Puurs-Sint-Amands · Eq €18k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 11,262 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded16-11-2011
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 · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.