B.T. CONSTRUCT
ActiveSummary
B.T. CONSTRUCT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €65k and a net result of €-9k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 84% of 15865 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability6▼-75
Solvency100=
Growth80=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days only on tighter terms
Liquidity ample (current ratio 5.35 against 8.36 in 2023; short-term debt: 17.8% and cash: 19.7% of total assets), and 17.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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 2024Solvency, return and age of the figures
Solvency
82.2%
Return on assets
-11.5%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
61 d late
2022
274 d late
2021
325 d late
2020
31 d late
2019
61 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€399k▲ 15.0%
2023 · €346k
EBIT margin
-2.6%▼ 10.7pp
2023 · 8.1%
Net result
€-9k
2023 · €18k
Working capital
€62k▼ 16.1%
2023 · €74k
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
Line20202021202220232024
Turnover€227k€209k▼ 8.0%€253k▲ 21.0%€346k▲ 37.2%€399k▲ 15.0%
Operating result€-7k€-11k▼ 57.7%€6k€28k▲ 345%€-10k
Net result€-7k€-11k▼ 53.1%€484€18k▲ 3,674%€-9k
EBIT margin-3.1%-5.4%▼ 2.2pp2.5%▲ 7.9pp8.1%▲ 5.6pp-2.6%▼ 10.7pp
Equity€67k▼ 9.7%€56k▼ 16.5%€56k▲ 0.9%€75k▲ 32.5%€65k▼ 12.3%
Total assets€81k▼ 15.0%€60k▼ 26.2%€61k▲ 2.2%€85k▲ 38.4%€80k▼ 5.8%
Debt€14k▼ 33.5%€4k▼ 72.1%€5k▲ 21.5%€10k▲ 108%€14k▲ 42.0%
Working capital€60k▼ 5.3%€52k▼ 12.1%€55k▲ 5.1%€74k▲ 33.7%€62k▼ 16.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €10k after €28k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €80k
Fixed assets
€4k ▲ 300%
Current assets
€76k ▼ 9.1%
Equity and liabilities €80k
Equity
€65k ▼ 12.3%
Debt
€14k ▲ 42.0%
Debt's share of the balance-sheet total rises from 11.8% to 17.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-10k▼
2023 · €28k
Cash flow
€-8k▼
2023 · €19k
Current ratio
5.35▼
2023 · 8.36
Debt to equity
0.22▲
2023 · 0.13
ROE
-14.0%▼
2023 · 24.5%
ROA
-11.5%▼
2023 · 21.6%
Interest coverage
-2.52▼
2023 · 9.99
Debt ≤ 1 year
€14k▲
2023 · €10k
Income taxes
€-5k▼
2023 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €227k | €209k | €253k | €346k | €399k | ▲ 15.0% |
| Goods, raw materials, services and sundry goods60/61 | - | €216k | €242k | €317k | €407k | ▲ 28.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €4k | €3k | €303 | €703 | ▲ 132% |
| Other operating charges640/8 | - | €454 | €454 | €647 | €899 | ▲ 39.0% |
| Gross operating margin9900 | €-3k | €-7k | €10k | €29k | €-9k | ▼ 130% |
| Operating profit (loss)9901 | €-7k | €-11k | €6k | €28k | €-10k | ▼ 137% |
| Financial income75/76B | - | €183 | €83 | €69 | €0 | ▼ 99.9% |
| Recurring financial income75 | - | €183 | €83 | €69 | €0 | ▼ 99.9% |
| Financial charges65/66B | - | - | €14 | €3k | €4k | ▲ 35.4% |
| Recurring financial charges65 | €93 | - | €14 | €3k | €4k | ▲ 35.4% |
| Profit (loss) for the period before taxes9903 | €-7k | €-11k | €6k | €25k | €-14k | ▼ 156% |
| Income taxes67/77 | - | €-1 | €6k | €7k | €-5k | ▼ 172% |
| Profit (loss) for the period9904 | €-7k | €-11k | €484 | €18k | €-9k | ▼ 150% |
| Profit (loss) for the period to be appropriated9905 | €-7k | €-11k | €484 | €18k | €-9k | ▼ 150% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €81k | €60k | €61k | €85k | €80k | ▼ 5.8% |
| Fixed assets21/28 | €7k | €3k | €1k | €898 | €4k | ▲ 300% |
| Tangible fixed assets22/27 | €7k | €3k | €901 | €598 | €3k | ▲ 451% |
| Plant, machinery and equipment23 | - | €3k | €901 | - | - | - |
| Furniture and vehicles24 | - | - | - | €598 | €3k | ▲ 451% |
| Financial fixed assets28 | - | - | €300 | €300 | €300 | = |
| Current assets29/58 | €74k | €56k | €60k | €84k | €76k | ▼ 9.1% |
| Amounts receivable within one year40/41 | €45k | €42k | €47k | €64k | €60k | ▼ 6.4% |
| Trade receivables40 | - | €11k | €16k | €27k | €20k | ▼ 26.7% |
| Other amounts receivable41 | - | €31k | €31k | €37k | €41k | ▲ 8.3% |
| Cash at bank and in hand54/58 | €29k | €15k | €13k | €19k | €16k | ▼ 18.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €81k | €60k | €61k | €85k | €80k | ▼ 5.8% |
| Equity10/15 | €67k | €56k | €56k | €75k | €65k | ▼ 12.3% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | - | €19k | €19k | €19k | €19k | = |
| Issued capital100 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €14k | €14k | €14k | €14k | €14k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | - | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | - | €12k | €12k | €12k | €12k | = |
| Profit (loss) carried forward14 | €34k | €23k | €24k | €42k | €33k | ▼ 21.7% |
| Amounts payable17/49 | €14k | €4k | €5k | €10k | €14k | ▲ 42.0% |
| Amounts payable within one year42/48 | €14k | €4k | €5k | €10k | €14k | ▲ 42.0% |
| Trade debts44 | €410 | €3k | €2k | €1k | €4k | ▲ 189% |
| Suppliers440/4 | - | €3k | €2k | €1k | €4k | ▲ 189% |
| Taxes, remuneration and social security45 | - | €870 | €2k | €9k | €3k | ▼ 69.6% |
| Taxes450/3 | - | €870 | €2k | €9k | €3k | ▼ 69.6% |
| Other amounts payable47/48 | - | €243 | €1k | - | €8k | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-7k | €-11k | €484 | €18k | €-9k | ▼ 150% |
| + Depreciation and write-downs630 | €4k | €4k | €3k | €303 | €703 | ▲ 132% |
| Operating cash flow (approximation) | €-3k | €-7k | €4k | €19k | €-8k | ▼ 145% |
| Investment in fixed assets (approximation) | - | €0 | €-1k | €0 | €-3k | ▼ 34,000,100% |
| Change in cash | - | €-14k | €-1k | €6k | €-4k | ▼ 160% |
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
2026
04-09
State Gazette act
Resignations: Monica Garcia Rios (director) and José Criollo Criollo (director)Reappointments: Monica Garcia Rios (director) and José Criollo Criollo (director) · Capital conversion · Reserve release13 facts ▸
State Gazette act
Resignations: Monica Garcia Rios (director) and José Criollo Criollo (director)
Reappointments: Monica Garcia Rios (director) and José Criollo Criollo (director) · Capital conversion · Reserve release13 facts ▸
- Capital conversion, compte de capitaux propres statutairement indisponible
- Reserve release, suppression du compte de capitaux propres statutairement indisponible
- General meeting, 21-08-2026
- Purpose change
- General meeting, 21-08-2026
- General meeting, 21-08-2026
- Statutes amendment
- Capital
- Director resignation, Monica Garcia Rios (director)
- Director reappointment, Monica Garcia Rios (director)
- Director resignation, José Criollo Criollo (director)
- Director reappointment, José Criollo Criollo (director)
- +1 further facts in this act
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 274 days late
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 325 days late
2022
31-12
Financial
Back to profitnet €484
Net result €484 after 2 loss-making years.
2021
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 14.26
Current ratio from 5.21 to 14.26; short-term debt falls from €14k to €4k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Show earlier events
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 8 acts read
About the unread acts
Of the 8 Belgian State Gazette acts we know for this company, 1 has been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
2 directors, last change in 2026
José Criollo Criollo
CurrentDirector
Monica Garcia Rios
CurrentDirector
04-09-2026
José Criollo Criollo: Reappointed as Director
04-09-2026
Monica Garcia Rios: Reappointed as Director
Not every act has been read: a resignation may be missing here
7 of this company's 8 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2007
Ground area
48 m²
Building footprint
48 m²
Volume, LiDAR
659 m³
Parcel 21013B0417/00B010, Brussels · tallest building 16.4 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
B.T.CONSTRUCT
since 20072.161.351.723
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0417/00B010 | Brussels | 48 m² | 1 · 48 m² | 16.4 m · 5 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.
Articles of association
Who signs
“Article 13 : Représentation de la société L’administrateur (chacun des administrateurs) représente la société à l'égard des tiers et en justice, soit en deman-dant, soit en défendant.”
Annual meeting
Third Friday of June at 09:30
Duration
Unlimited
Purpose
Atelier spécial de l'industrie des fabrications métalliques; Atelier de réparation de matériel électrique et radio électrique d'appareils automatiques de distribution et de jeux…
Full purpose (27 activities)
- Atelier spécial de l'industrie des fabrications métalliques
- Atelier de réparation de matériel électrique et radio électrique d'appareils automatiques de distribution et de jeux mécaniques uniquement pour le courant faible
- La fabrication d'appareils d'alarme et de sécurité, d'appareils utilisés dans un système d'alarme ou de sécurité (y compris le placement et uniquement sur véhicule)
- L'installation de chauffage central
- L’'entreprise de plafonnage-cimenterie
- L’'entreprise de peinture
- L'entreprise de maçonnerie et de béton, coffrage, ferraillage, etcetera
- L'entreprise de carrelage
- L'installation électrique
- L'entreprise de vitrage
- L'installation sanitaire et de plomberie
- L'installation de chauffage au gaz par appareil individuel
- L’'entreprise de zinguerie et de couvertures métalliques de constructions
- L'entreprise de couvertures non métalliques de constructions
- L'entreprise d'étanchéité de constructions
- L'entreprise de travaux de démolition
- Le commerce de détail de tous matériels se rapportant à ses activités
- L’'activité de nettoyage industriel et privé, tel que nettoyage de bureau, maisons, usines et en général de tout bien immeuble et de toute installation industrielle
- L'achat, la vente, l'importation, l'exportation, la distribution et le commerce en gros et de détail, sous toutes formes, de produits, matériels, équipements et consommables de nettoyage, d'entretien, d'hygiène et de désinfection
- Le transport national et international sous toutes ses formes et par tous moyens, de toutes marchandises et produits dont la charge nette n'excède pas cinq cents kilos
- L'exploitation d'une agence de publicité, distribution, imprimerie, etcetera
- Tout commerce de marché ambulant
- La négociation, la commission, la représentation
- L'achat, la vente, l'importation, la représentation, la vente à tempérament, la location à court ou à long terme sous toutes modalités, ainsi que le commerce sous toutes ses formes, de véhicules automobiles, de quelque nature qu'ils soient, neufs ou d'occasion et de tout article se rattachant à l'industrie automobile ou mécanique
- L'exploitation de garages, d'ateliers d'entretien et de réparation de ces véhicules, de même que l'exploitation de magasins de pièces de rechange et d'accessoires pour l'automobile, ainsi que l'exploitation d'un ou de plusieurs car-wash
- L'exploitation de restaurant, snack, friterie, pizzeria, salon de consommation, taverne, brasserie, débit de boissons, ainsi qu'à l'importation, l'achat, la vente et le commerce en général de denrées alimentaires et de boissons alcoolisées ou non alcoolisées, accessoirement et éventuellement, l'exploitation d'hôtels et tout ce qui est relatif à de pareilles activités; la société peut donc avoir pour objet tout ce qui touche à l'horeca, l'importation et l'exportation
- Intermédiaire commercial
Other provisions of the articles (26)
- Board rule: chaque administrateur peut accomplir tous les actes nécessaires ou utiles à l'accomplissement de l'objet de la société, sauf ceux que la loi réserve à l'assembl…
- Legal form clause: B.T. CONSTRUCT
- Registered office clause: Bruxelles-Capitale, tout changement du siège est publié aux Annexes du Moniteur belge par l’organe d’administration
- Capital contribution
- Share class: nominatives, part égale du bénéfice et du solde de la liquidation
- Other statement: acte authentique, apports supplémentaires sans émission d'actions
- Transfer restriction
- Member resignation
- Other statement: Les démissions et exclusions et les modifications statutaires qui en découlent sont établies, avant la fin de chaque exercice, par un acte authentique reçu à la…
- Other statement: offre de reprise des actions, acquérir la totalité des actions conformément à la loi
- Share class: L’usufruitier exercera tous les droits attachés aux actions qu’il détient en usufruit., Les actions sont indivisibles.
- Board rule: un ou plusieurs administrateurs, En cas de décès, démission ou révocation du (d’un) administrateur, il sera pourvu à son remplacement par l'assemblée générale d…
- Other statement: La gestion journalière comprend aussi bien les actes et les décisions qui n’excèdent pas les besoins de la vie quotidienne de la société que les actes et les dé…
- Board rule
- Auditor rule: 3 ans, immédiatement après l'assemblée générale annuelle
- Meeting access: siège ou à l'endroit indiqué dans les avis de convocation, les titulaires de titres qui participent de cette manière à l'assemblée générale sont réputés présent…
- Written decision: L'assemblée se tient et délibère conformément aux règles du Code, Lorsque la société ne compte qu'un seul actionnaire, il exerce les pouvoirs dévolus à l'assemb…
- Voting rule: si, dans la convocation, l'organe d'administration en a prévu les modalités dans le respect des règles inscrites dans le Code des sociétés et des associations,…
- Records rule: membres du bureau et par les actionnaires présents qui le demandent, registre tenu au siège
- Other provision: organe d'administration, approbation par l'assemblée
- Profit allocation: La décision de l'organe d'administration est justifiée dans un rapport qui n'est pas déposé, mis à la disposition de l'assemblée générale qui en détermine l'aff…
- Dissolution rule: en tout temps, décision de l'assemblée générale
- Liquidation rule
- Liquidation distribution: les biens conservés leur sont remis pour être partagés dans la même proportion, l'actif net est réparti entre tous les actionnaires en proportion de leurs actio…
- Other provision: Les actionnaires entendent se conformer entièrement au Code des sociétés et des associations, les dispositions de ce Code auxquelles il n'est pas explicitement…
- 1 more provision in the deed
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Of 1,639 companies in sector 46170 we hold annual accounts for 669. 474 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
Founded24-01-2006
Fiscal year end31-12
Activities, NACEBEL 2025
46170Agents in the wholesale of food, beverages and tobacco
Contact
E-mail
b.t.construct@hotmail.comSint-Gillis (bij-Brussel)
Scores and ratios are computed by Checked and are not a credit decision.