B&N CONTRACTING
ActiveB&N CONTRACTING has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €173k and a net result of €-15k. Equity is growing by ~27.9% per year across the filed fiscal years. Its solvency ranks better than 79% of 1511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-14
Solvency94▲+21
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.9 against 1.91 in 2024; short-term debt: 15.8% and cash: 18.2% of total assets), and 31.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-15k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
1 d early
2022
1 d late
2021
1 d early
2020
30 d late
2019
7 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€173k▼ 8.1%
2024 · €188k
2018: €44k
2019: €48k
2020: €69k
2021: €109k
2022: €159k
2023: €195k
2024: €188k
2018 → 2025
Total assets
€252k▼ 35.9%
2024 · €393k
2018: €110k
2019: €96k
2020: €145k
2021: €213k
2022: €263k
2023: €302k
2024: €393k
2018 → 2025
Net result
€-15k▼ 132%
2024 · €-7k
2018: €15k
2019: €4k
2020: €21k
2021: €42k
2022: €52k
2023: €37k
2024: €-7k
2018 → 2025
Working capital
€116k▼ 10.7%
2024 · €130k
2018: €33k
2019: €37k
2020: €39k
2021: €46k
2022: €102k
2023: €119k
2024: €130k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€109k-€159k▲ 45.9%€195k▲ 22.0%€188k▼ 3.4%€173k▼ 8.1%
Operating result€60k-€78k▲ 28.9%€56k▼ 28.0%€-3k€-12k▼ 300%
Net result€42k-€52k▲ 23.6%€37k▼ 29.0%€-7k€-15k▼ 132%
Turnover and EBIT margin not published: the 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 €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €252k
Fixed assets
€97k▼ 20.0%
Current assets
€156k▼ 42.9%
Equity and liabilities €252k
Equity
€173k▼ 8.1%
Debt
€79k▼ 61.4%
The debt ratio falls from 52.2% to 31.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€18k▼
2024 · €34k
Cash flow
€14k▼
2024 · €30k
Solvency
68.6%▲
2024 · 47.8%
Current ratio
3.90▲
2024 · 1.91
Quick ratio
3.90▲
2024 · 1.91
Debt / equity
0.46▼
2024 · 1.09
ROE
-8.8%▼
2024 · -3.5%
ROA
-6.1%▼
2024 · -1.7%
Interest coverage
5.05▼
2024 · 9.24
Debt
€79k▼
2024 · €205k
Debt ≤ 1 year
€40k▼
2024 · €143k
Debt > 1 year
€39k▼
2024 · €62k
Staff costs
€89k▼
2024 · €95k
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€393k€252k▼
Fixed assets21/28€121k€97k▼
Tangible fixed assets22/27€121k€97k▼
Plant, machinery and equipment23€106k€86k▼
Furniture and vehicles24€15k€11k▼
Current assets29/58€273k€156k▼
Amounts receivable within one year40/41€198k€96k▼
Trade receivables40€105k€67k▼
Other amounts receivable41€93k€29k▼
Cash at bank and in hand54/58€55k€46k▼
Deferred charges and accrued income490/1€19k€14k▼
Equity and liabilities
Total equity and liabilities10/49€393k€252k▼
Equity10/15€188k€173k▼
Contributions10/11€19k€19k=
Reserves13€169k€154k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€169k€154k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€205k€79k▼
Amounts payable after more than one year17€62k€39k▼
Financial debts170/4€62k€39k▼
Amounts payable within one year42/48€143k€40k▼
Current portion of amounts payable after more than one year42€38k€23k▼
Trade debts44€81k€12k▼
Suppliers440/4€81k€12k▼
Taxes, remuneration and social security45€19k€0▼
Taxes450/3€19k€0▼
Remuneration and social security454/9€0-
Other amounts payable47/48€4k€5k▲
Accrued charges and deferred income492/3€1€0▼
Income statement
Code20242025
Non-recurring operating income76A€38k€0▼
Remuneration, social security and pensions62€95k€89k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€30k▼
Other operating charges640/8€1k€383▼
Non-recurring operating charges66A€371€0▼
Gross operating margin9900€130k€107k▼
Operating profit (loss)9901€-3k€-12k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€-7k€-15k▼
Income taxes67/77€0-
Profit (loss) for the period9904€-7k€-15k▼
Profit (loss) for the period to be appropriated9905€-7k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-15k▼
Transfer from equity791/2€7k€15k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (15 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 3.90
Current ratio from 1.91 to 3.90; short-term debt falls from €143k to €40k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
31-12
Financial
Highest result since 2018net €52k ▲23.6%
Operating result €78k, net result €52k, both a record.
31-12
Financial
Equity above €150kEq €159k ▲45.9%
5 profitable years in a row build equity to €159k.
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €109k ▲58.3%
4 profitable years in a row build equity to €109k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Puurs-Sint-Amands · 1 establishment unit since 2016
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.
Moorstraat 722870 Puurs-Sint-AmandsGround area
912 m²
Building footprint
137 m²
Volume, LiDAR
1,018 m³
Parcel 12008A0264/00P000, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
B&N Contracting
since 20162.254.952.466
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12008A0264/00P000 | Flanders | 912 m² | 1 · 136 m² | 11.6 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 54 EUR awarded · 54 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 54 EUR | 54 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 667 companies in sector 77320 we hold annual accounts for 492. 366 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-07-2016
Fiscal year end31-12
Activities, NACEBEL
77320Rental and leasing activities
41003General construction of other non-residential buildings
43120Site preparation
52249Warehousing and support activities for transportation
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.