B & S CONSTRUCT
ActiveB & S CONSTRUCT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €504k and a net result of €-61k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 81% of 4533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-34
Solvency100▲+33
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 4.05 against 1.73 in 2024; short-term debt: 16.4% and cash: 45.8% of total assets), and 18.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 2025Solvency, return and age of the figures
Solvency
81.7%
Return on assets
-9.9%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-09-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
7 d early
2023
5 d early
2022
3 d early
2021
3 d early
2020
18 d late
2019
10 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-61k
2024 · €54k
2019: €61k
2021: €81k
2022: €51k
2023: €68k
2024: €54k
2019 → 2025
Working capital
€308k▼ 46.0%
2024 · €571k
2019: €614k
2021: €526k
2022: €444k
2023: €515k
2024: €571k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€524k-€442k▼ 15.6%€511k▲ 15.5%€565k▲ 10.6%€504k▼ 10.8%
Operating result€146k-€93k▼ 36.2%€111k▲ 19.3%€92k▼ 16.6%€-58k
Net result€81k-€51k▼ 37.1%€68k▲ 34.3%€54k▼ 20.7%€-61k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €58k after €92k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €617k
Fixed assets
€208k▲ 4,053%
Current assets
€409k▼ 69.8%
Equity and liabilities €617k
Equity
€504k▼ 10.8%
Debt
€113k▼ 85.8%
The debt ratio falls from 58.5% to 18.3%. Equity and debt are lower.
Key figures and ratios
Solvency
81.7%▲
2024 · 41.5%
Current ratio
4.05▲
2024 · 1.73
Quick ratio
3.38▲
2024 · 0.30
Debt / equity
0.22▼
2024 · 1.41
ROE
-12.1%▼
2024 · 9.6%
ROA
-9.9%▼
2024 · 4.0%
Debt
€113k▼
2024 · €795k
Debt ≤ 1 year
€101k▼
2024 · €784k
Income taxes
€0▼
2024 · €27k
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€1.36M€617k▼
Fixed assets21/28€5k€208k▲
Financial fixed assets28€5k€208k▲
Current assets29/58€1.35M€409k▼
Stocks and contracts in progress3€1.12M€68k▼
Contracts in progress37€1.12M€68k▼
Amounts receivable within one year40/41€35k€19k▼
Trade receivables40€6k€2k▼
Other amounts receivable41€29k€17k▼
Cash at bank and in hand54/58€174k€282k▲
Deferred charges and accrued income490/1€29k€40k▲
Equity and liabilities
Total equity and liabilities10/49€1.36M€617k▼
Equity10/15€565k€504k▼
Contributions10/11€25k€25k=
Reserves13€537k€495k▼
Non-distributable reserves130/1€0-
Own shares acquired1312€0-
Distributable reserves133€537k€495k▼
Profit (loss) carried forward14€3k€-16k▼
Amounts payable17/49€795k€113k▼
Amounts payable within one year42/48€784k€101k▼
Financial debts43€755k€0▼
Credit institutions430/8€755k€0▼
Trade debts44€474€1k▲
Suppliers440/4€474€1k▲
Taxes, remuneration and social security45€28k€0▼
Taxes450/3€28k€0▼
Other amounts payable47/48-€100k
Accrued charges and deferred income492/3€11k€12k▲
Income statement
Code20242025
Other operating charges640/8€496€596▲
Non-recurring operating charges66A€2k€9k▲
Gross operating margin9900€95k€-48k▼
Operating profit (loss)9901€92k€-58k▼
Financial income75/76B€7k€7▼
Recurring financial income75€7k€7▼
Financial charges65/66B€18k€3k▼
Recurring financial charges65€18k€3k▼
Profit (loss) for the period before taxes9903€81k€-61k▼
Income taxes67/77€27k€0▼
Profit (loss) for the period9904€54k€-61k▼
Profit (loss) for the period to be appropriated9905€54k€-61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€57k€-59k▼
Profit (loss) brought forward from the previous period14P€3k€3k=
Transfer from equity791/2-€43k
Transfer to equity691/2€54k€0▼
To other reserves6921€54k€0▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (6 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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-03
Financial
Weakest financial yearnet €-61k ▼213%
Net result drops to €-61k, the lowest in the series.
31-03
Financial
Liquidity doublescurrent ratio 4.05
Current ratio from 1.73 to 4.05; short-term debt falls from €784k to €101k.
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Equity above €500kEq €511k ▲15.5%
4 profitable years in a row build equity to €511k.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-03
Financial
Highest result since 2019net €81k ▲33%
Operating result €146k, net result €81k, both a record.
31-03
Financial
Liquidity doublescurrent ratio 2.81
Current ratio from 1.38 to 2.81; short-term debt falls from €1.62M to €290k.
2020
18-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 18 days late
2019
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
12-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Tournai · 1 establishment unit since 2005
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.
Grand Chemin(HAV) 2887531 TournaiGround area
1,610 m²
Building footprint
385 m²
Volume, LiDAR
4,770 m³
2 parcels, Flanders, Wallonia · tallest building 23.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
B & S CONSTRUCT
since 20052.149.008.472
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57036C0077/00K000 | Wallonia | 1,246 m² | 1 · 173 m² | 6.9 m · 2 fl. |
| 38014E0184/00C000 | Flanders | 364 m² | 1 · 213 m² | 23.5 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Carick
BE 0656.685.743
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OMEGA TECHNICS
BE 0807.490.257
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BIEJUCO
BE 0802.571.763
Aalter · Eq €503k
STP IMMO
BE 0764.664.955
Ham-sur-Heure-Nalinnes · Eq €503k
LEXSOL
BE 0845.376.279
Waimes · Eq €502k
Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 4,707 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-09-2005
Fiscal year end31-03
Activities, NACEBEL
68121Development of residential building projects
70111
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.