B&S Constructions
ActiveSummary
The annual accounts of B&S Constructions for fiscal year 2025 show a net loss of 57% of total assets. The 2025 annual accounts show equity of €14k and a net result of €-8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 95% of 14128 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
59
/ 100
Fair
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-13
Solvency100▲+14
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 24.38 against 2.56 in 2024; short-term debt: 4.1% and cash: 87.1% of total assets), and 4.1% of the assets are financed with debt.
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Signals
Four 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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
95.9%
Return on assets
-57.5%
Age of the figures
9 mo
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 €-8k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
30 d early
2024
31 d early
2023
27 d early
2022
32 d early
2021
34 d early
2020
30 d early
2019
22 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€14k▼ 37.5%
2024 · €22k
Total assets
€14k▼ 60.3%
2024 · €36k
Net result
€-8k▼ 131%
2024 · €-4k
Working capital
€14k▼ 37.5%
2024 · €22k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€139k▲ 146%€-144k€18k€-3k€-8k▼ 134%
Net result€101k▲ 216%€-155k€18k€-4k€-8k▼ 131%
Equity€164k▲ 160%€22k▼ 86.8%€40k▲ 83.1%€22k▼ 44.3%€14k▼ 37.5%
Total assets€319k▼ 11.5%€310k▼ 2.8%€40k▼ 87.1%€36k▼ 9.2%€14k▼ 60.3%
Debt€155k▼ 47.9%€288k▲ 85.8%€313▼ 99.9%€14k▲ 4,445%€591▼ 95.8%
Working capital€164k▲ 160%€22k▼ 86.8%€40k▲ 83.1%€22k▼ 44.3%€14k▼ 37.5%
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 €8k in 2025 against €3k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €14k
Equity
€14k ▼ 37.5%
Debt
€591 ▼ 95.8%
Debt's share of the balance-sheet total falls from 39.1% to 4.1%. Equity and debt are lower.
Key figures and ratios
Current ratio
24.38▲
2024 · 2.56
Debt to equity
0.04▼
2024 · 0.64
ROE
-59.9%▼
2024 · -16.2%
ROA
-57.5%▼
2024 · -9.9%
Debt ≤ 1 year
€591▼
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €504 | €450 | €893 | €505 | €520 | ▲ 2.8% |
| Gross operating margin9900 | €140k | €-144k | €19k | €-3k | €-7k | ▼ 157% |
| Operating profit (loss)9901 | €139k | €-144k | €18k | €-3k | €-8k | ▼ 134% |
| Financial income75/76B | €3k | €2k | €943 | €659 | €312 | ▼ 52.7% |
| Recurring financial income75 | €3k | €2k | €943 | €659 | €312 | ▼ 52.7% |
| Financial charges65/66B | €12k | €13k | €726 | €838 | €624 | ▼ 25.6% |
| Recurring financial charges65 | €12k | €13k | €726 | €838 | €624 | ▼ 25.6% |
| Profit (loss) for the period before taxes9903 | €130k | €-155k | €18k | €-4k | €-8k | ▼ 131% |
| Income taxes67/77 | €29k | €-369 | - | - | - | - |
| Profit (loss) for the period9904 | €101k | €-155k | €18k | €-4k | €-8k | ▼ 131% |
| Profit (loss) for the period to be appropriated9905 | €101k | €-155k | €18k | €-4k | €-8k | ▼ 131% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €319k | €310k | €40k | €36k | €14k | ▼ 60.3% |
| Current assets29/58 | €319k | €310k | €40k | €36k | €14k | ▼ 60.3% |
| Stocks and contracts in progress3 | €141k | €101k | - | - | - | - |
| Contracts in progress37 | €141k | €101k | - | - | - | - |
| Amounts receivable within one year40/41 | €7k | €130k | €13k | €12k | €2k | ▼ 85.0% |
| Trade receivables40 | €1k | €76k | €721 | €721 | €721 | = |
| Other amounts receivable41 | €6k | €53k | €12k | €12k | €1k | ▼ 90.2% |
| Cash at bank and in hand54/58 | €159k | €78k | €27k | €24k | €13k | ▼ 47.6% |
| Deferred charges and accrued income490/1 | €12k | €1k | €103 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €319k | €310k | €40k | €36k | €14k | ▼ 60.3% |
| Equity10/15 | €164k | €22k | €40k | €22k | €14k | ▼ 37.5% |
| Contributions10/11 | €6k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €158k | €3k | €21k | €3k | - | - |
| Non-distributable reserves130/1 | €620 | €620 | - | - | - | - |
| Reserves not available under the articles1311 | €620 | €620 | - | - | - | - |
| Distributable reserves133 | €157k | €2k | €21k | €3k | - | - |
| Profit (loss) carried forward14 | - | - | - | - | €-5k | - |
| Amounts payable17/49 | €155k | €288k | €313 | €14k | €591 | ▼ 95.8% |
| Amounts payable within one year42/48 | €155k | €288k | €313 | €14k | €591 | ▼ 95.8% |
| Trade debts44 | €8k | €258k | €313 | €205 | €205 | = |
| Suppliers440/4 | €8k | €258k | €313 | €205 | €205 | = |
| Taxes, remuneration and social security45 | €17k | - | - | - | - | - |
| Taxes450/3 | €17k | - | - | - | - | - |
| Other amounts payable47/48 | €130k | €30k | - | €14k | €386 | ▼ 97.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €101k | €-155k | €18k | €-4k | €-8k | ▼ 131% |
| Operating cash flow (approximation) | €101k | €-155k | €18k | €-4k | €-8k | ▼ 131% |
| Change in cash | - | €-81k | €-51k | €-3k | €-11k | ▼ 245% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 10current ratio 24.38
Current ratio from 2.56 to 24.38; short-term debt falls from €14k to €591.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-12
Financial
Liquidity times 119current ratio 127.94
Current ratio from 1.08 to 127.94; short-term debt falls from €288k to €313.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-155k
Net result drops to €-155k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €101k ▲216%
Operating result €139k, net result €101k, both a record.
31-12
Financial
Equity above €150kEq €164k ▲160%
4 profitable years in a row build equity to €164k.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Kasterlee · 1 establishment unit since 2017
Ground area
1,211 m²
Building footprint
212 m²
Volume, LiDAR
1,235 m³
Parcel 13017G0320/00B000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
B&S Constructions
since 20172.262.209.452
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13017G0320/00B000 | Flanders | 1,211 m² | 1 · 212 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,698 companies in sector 68121 we hold annual accounts for 7,385. 3,523 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
41003General construction of other non-residential buildings
68122Development of non-residential building projects
Scores and ratios are computed by Checked and are not a credit decision.