B&V CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of B&V CONSTRUCT is 1.5% (moderate). The 2024 annual accounts show equity of €310,051 and a net result of -€3,103. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 55% of 36377 sector peers (fiscal year 2024). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability60▲+18
Solvency76▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity ample (current ratio 1.69 against 1.93 in 2023; short-term debt: 21% and cash: 0.9% of total assets), and 49% of the assets are financed with debt.
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Signals
Six 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more 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 2024Solvency, return and age of the figures
Solvency
51%
Return on assets
-0.5%
Age of the figures
21 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 (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€3,103
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
28 d late
2022
28 d late
2021
31 d late
2020
17 d late
2019
82 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 41 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€310,051▼ 1.0%
2023 · €313,154
Total assets
€607,673▲ 0.2%
2023 · €606,326
Net result
-€3,103▲ 76.1%
2023 · -€13,002
Working capital
€88,199▼ 2.0%
2023 · €89,987
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
Operating result€35,194=€9,298▼ 73.6%€16,983▲ 82.7%-€7,504€1,714
Net result€25,953=€2,875▼ 88.9%€12,153▲ 323%-€13,002-€3,103▲ 76.1%
Equity€311,129▲ 0.6%€314,003▲ 0.9%€326,156▲ 3.9%€313,154▼ 4.0%€310,051▼ 1.0%
Total assets€651,474=€630,588▼ 3.2%€594,396▼ 5.7%€606,326▲ 2.0%€607,673▲ 0.2%
Debt€342,349=€316,585▼ 7.5%€268,240▼ 15.3%€293,172▲ 9.3%€297,622▲ 1.5%
Working capital€85,712=€93,823▲ 9.5%€101,023▲ 7.7%€89,987▼ 10.9%€88,199▼ 2.0%
Staff (FTE)0.3=1▲ 233%1=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €1,714 after a loss of €7,504 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €607,673
Fixed assets
€392,074 ▼ 6.6%
Current assets
€215,599 ▲ 15.7%
Equity and liabilities €607,673
Equity
€310,051 ▼ 1.0%
Debt
€297,622 ▲ 1.5%
Debt's share of the balance-sheet total rises from 48.4% to 49.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€29,400▲
2023 · €20,582
Cash flow
€24,582▲
2023 · €15,084
Current ratio
1.69▼
2023 · 1.93
Quick ratio
0.72▼
2023 · 1.07
Debt to equity
0.96▲
2023 · 0.94
ROE
-1.0%▲
2023 · -4.2%
ROA
-0.5%▲
2023 · -2.1%
Interest coverage
5.01▲
2023 · 3.17
Debt ≤ 1 year
€127,400▲
2023 · €96,386
Debt > 1 year
€167,717▼
2023 · €194,489
Staff costs
€873▼
2023 · €2,544
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €10,959 | €12,371 | €2,544 | €873 | ▼ 65.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,436 | €23,931 | €27,153 | €28,086 | €27,685 | ▼ 1.4% |
| Other operating charges640/8 | - | €3,481 | €3,677 | €4,015 | €4,144 | ▲ 3.2% |
| Gross operating margin9900 | €77,890 | €47,669 | €60,184 | €27,141 | €34,417 | ▲ 26.8% |
| Operating profit (loss)9901 | €35,194 | €9,298 | €16,983 | -€7,504 | €1,714 | ▲ 123% |
| Financial income75/76B | - | €1,460 | €2,416 | €991 | €1,056 | ▲ 6.5% |
| Recurring financial income75 | €1,903 | €1,460 | €2,416 | €991 | €1,056 | ▲ 6.5% |
| Financial charges65/66B | - | €7,883 | €7,245 | €6,490 | €5,873 | ▼ 9.5% |
| Recurring financial charges65 | €10,634 | €7,883 | €7,245 | €6,490 | €5,873 | ▼ 9.5% |
| Profit (loss) for the period before taxes9903 | €25,953 | €2,875 | €12,153 | -€13,002 | -€3,103 | ▲ 76.1% |
| Income taxes67/77 | €0 | - | - | - | - | - |
| Profit (loss) for the period9904 | €25,953 | €2,875 | €12,153 | -€13,002 | -€3,103 | ▲ 76.1% |
| Profit (loss) for the period to be appropriated9905 | €25,953 | €2,875 | €12,153 | -€13,002 | -€3,103 | ▲ 76.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €651,474 | €630,588 | €594,396 | €606,326 | €607,673 | ▲ 0.2% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €499,992 | €454,165 | €448,039 | €419,953 | €392,074 | ▼ 6.6% |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €496,798 | €450,971 | €444,845 | €416,760 | €389,074 | ▼ 6.6% |
| Land and buildings22 | - | €449,491 | €426,168 | €402,846 | €379,523 | ▼ 5.8% |
| Plant, machinery and equipment23 | - | €1,480 | €715 | €157 | - | - |
| Leasing and similar rights25 | - | - | €17,962 | €13,757 | €9,551 | ▼ 30.6% |
| Financial fixed assets28 | €3,194 | €3,194 | €3,194 | €3,194 | €3,000 | ▼ 6.1% |
| Current assets29/58 | €151,482 | €176,423 | €146,357 | €186,373 | €215,599 | ▲ 15.7% |
| Amounts receivable after more than one year29 | - | €60,020 | €56,290 | €52,496 | €48,638 | ▼ 7.4% |
| Other amounts receivable291 | - | €60,020 | €56,290 | €52,496 | €48,638 | ▼ 7.4% |
| Stocks and contracts in progress3 | €2,850 | €68,983 | €77,522 | €83,674 | €123,679 | ▲ 47.8% |
| Stocks30/36 | - | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Contracts in progress37 | - | €64,983 | €73,522 | €79,674 | €119,679 | ▲ 50.2% |
| Amounts receivable within one year40/41 | €26,371 | €39,049 | €9,010 | €46,138 | €36,857 | ▼ 20.1% |
| Trade receivables40 | - | €34,044 | €502 | €34,474 | €7,584 | ▼ 78.0% |
| Other amounts receivable41 | - | €5,005 | €8,509 | €11,664 | €29,274 | ▲ 151% |
| Current investments50/53 | €0 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €5,020 | €7,774 | €2,458 | €3,085 | €5,327 | ▲ 72.7% |
| Deferred charges and accrued income490/1 | - | €598 | €1,076 | €980 | €1,098 | ▲ 12.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €651,474 | €630,588 | €594,396 | €606,326 | €607,673 | ▲ 0.2% |
| Equity10/15 | €311,129 | €314,003 | €326,156 | €313,154 | €310,051 | ▼ 1.0% |
| Contributions10/11 | - | €360,000 | €360,000 | €360,000 | €360,000 | = |
| Reserves13 | €500 | €500 | €500 | €500 | €500 | = |
| Non-distributable reserves130/1 | - | €500 | €500 | €500 | €500 | = |
| Reserves not available under the articles1311 | - | €500 | €500 | €500 | €500 | = |
| Profit (loss) carried forward14 | -€77,328 | -€46,497 | -€34,344 | -€47,346 | -€50,449 | ▼ 6.6% |
| Amounts payable17/49 | €342,349 | €316,585 | €268,240 | €293,172 | €297,622 | ▲ 1.5% |
| Amounts payable after more than one year17 | €275,748 | €231,846 | €220,609 | €194,489 | €167,717 | ▼ 13.8% |
| Financial debts170/4 | - | €231,846 | €220,609 | €194,489 | €167,717 | ▼ 13.8% |
| Amounts payable within one year42/48 | €65,770 | €82,600 | €45,334 | €96,386 | €127,400 | ▲ 32.2% |
| Current portion of amounts payable after more than one year42 | - | €22,751 | €25,485 | €26,120 | €26,772 | ▲ 2.5% |
| Trade debts44 | €23,285 | €6,064 | €3,089 | €10,013 | €1,706 | ▼ 83.0% |
| Suppliers440/4 | - | €6,064 | €3,089 | €10,013 | €1,706 | ▼ 83.0% |
| Taxes, remuneration and social security45 | - | €3,261 | €135 | €224 | - | - |
| Taxes450/3 | - | €9 | - | - | - | - |
| Remuneration and social security454/9 | - | €3,252 | €135 | €224 | - | - |
| Other amounts payable47/48 | - | €50,524 | €16,624 | €60,028 | €98,921 | ▲ 64.8% |
| Accrued charges and deferred income492/3 | - | €2,139 | €2,297 | €2,297 | €2,505 | ▲ 9.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,953 | €2,875 | €12,153 | -€13,002 | -€3,103 | ▲ 76.1% |
| + Depreciation and write-downs630 | €25,436 | €23,931 | €27,153 | €28,086 | €27,685 | ▼ 1.4% |
| Operating cash flow (approximation) | €51,389 | €26,806 | €39,306 | €15,084 | €24,582 | ▲ 63.0% |
| Investment in fixed assets (approximation) | - | €21,895 | -€21,027 | €0 | €194 | - |
| Change in cash | - | €2,754 | -€5,315 | €626 | €2,242 | ▲ 258% |
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 82 days late
2019
31-12
Financial
Back to profitnet €25,953
Net result €25,953 after one loss-making year.
21-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 82 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 14 days late
2016
20-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Dilbeek · 2 establishment units since 2010
Ground area
3,623 m²
Building footprint
362 m²
Volume, LiDAR
967 m³
2 parcels, Flanders, Wallonia · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Begijnenborrestraat 30, 1700 Dilbeek
since 20102.194.660.236
Rue de l'Abbaye 97, 7800 Ath
since 20182.315.224.902
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016E0262/00D002 | Flanders | 3,349 m² | 1 · 147 m² | 9.9 m · 2 fl. |
| 51004B0807/00E083 | Wallonia | 274 m² | 1 · 215 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,094 companies in sector 43240 we hold annual accounts for 1,634. 1,174 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 (pre-2019)
Founded20-12-2010
Fiscal year end31-12
Activities, NACEBEL 2025
43240Other construction installation
43211General electrical installation work
43212Electrical installation work in industrial facilities
43222Installation of electric heating, air conditioning, cooling and ventilation
Scores and ratios are computed by Checked and are not a credit decision.