B & Y CONSTRUCT
ActiveSummary
B & Y CONSTRUCT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €772,765 and a net result of €94,909. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 81% of 7868 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-7
Solvency97▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65,000 at 30 days acceptable
Liquidity ample (current ratio 6.66 against 5.94 in 2024; short-term debt: 12% and cash: 45.6% of total assets), and 28.2% 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
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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
71.8%
Return on assets
8.8%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
30 d early
2022
27 d early
2021
34 d early
2020
33 d early
2019
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 31 days before 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 (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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#8 company by equity in Gavere, Construction sector
Equity
€772,765▲ 5.7%
2024 · €731,414
Total assets
€1.1m▲ 2.3%
2024 · €1.1m
Net result
€94,909▼ 39.2%
2024 · €155,998
Working capital
€730,855▲ 9.7%
2024 · €666,136
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€94,822▼ 47.7%€90,395▼ 4.7%€162,287▲ 79.5%€210,232▲ 29.5%€127,546▼ 39.3%
Net result€70,370▼ 44.4%€67,379▼ 4.2%€116,744▲ 73.3%€155,998▲ 33.6%€94,909▼ 39.2%
Equity€473,010▲ 8.0%€528,829▲ 11.8%€640,573▲ 21.1%€731,414▲ 14.2%€772,765▲ 5.7%
Total assets€627,839▲ 0.3%€682,186▲ 8.7%€909,264▲ 33.3%€1.1m▲ 15.7%€1.1m▲ 2.3%
Debt€150,047▼ 17.0%€151,121▲ 0.7%€267,215▲ 76.8%€319,818▲ 19.7%€303,895▼ 5.0%
Working capital€399,247▼ 1.9%€358,240▼ 10.3%€547,304▲ 52.8%€666,136▲ 21.7%€730,855▲ 9.7%
Staff (FTE)1▲ 11.1%0.8▼ 20.0%0.8=0.8=0.8=
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 falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.1m
Fixed assets
€216,722 ▼ 13.6%
Current assets
€859,938 ▲ 7.4%
Equity and liabilities €1.1m
Equity
€772,765 ▲ 5.7%
Provisions
€0 ▼ 100%
Debt
€303,895 ▼ 5.0%
Debt's share of the balance-sheet total falls from 30.4% to 28.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€210,714▼
2024 · €278,781
Cash flow
€178,077▼
2024 · €224,547
Current ratio
6.66▲
2024 · 5.94
Debt to equity
0.39▼
2024 · 0.44
ROE
12.3%▼
2024 · 21.3%
ROA
8.8%▼
2024 · 14.8%
Interest coverage
29.74▼
2024 · 37.94
Debt ≤ 1 year
€129,083▼
2024 · €134,895
Debt > 1 year
€169,970▼
2024 · €181,230
Income taxes
€38,975▼
2024 · €69,307
Staff costs
€53,045▼
2024 · €53,181
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €7,636 | €0 | - | - | - | - |
| Remuneration, social security and pensions62 | €46,493 | €44,227 | €51,042 | €53,181 | €53,045 | ▼ 0.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €55,671 | €55,862 | €62,595 | €68,548 | €83,168 | ▲ 21.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | -€16,448 | - |
| Other operating charges640/8 | €1,987 | €3,456 | €3,092 | €2,940 | €3,081 | ▲ 4.8% |
| Non-recurring operating charges66A | €248 | €780 | €1,854 | €2,574 | €0 | ▼ 100% |
| Gross operating margin9900 | €199,221 | €194,720 | €280,869 | €337,476 | €250,391 | ▼ 25.8% |
| Operating profit (loss)9901 | €94,822 | €90,395 | €162,287 | €210,232 | €127,546 | ▼ 39.3% |
| Financial income75/76B | €8,144 | €7,601 | €11,204 | €21,659 | €12,709 | ▼ 41.3% |
| Recurring financial income75 | €8,144 | €7,601 | €11,204 | €21,659 | €12,709 | ▼ 41.3% |
| Financial charges65/66B | €8,480 | €7,581 | €6,999 | €7,347 | €7,085 | ▼ 3.6% |
| Recurring financial charges65 | €7,193 | €7,581 | €6,999 | €7,347 | €7,085 | ▼ 3.6% |
| Non-recurring financial charges66B | €1,287 | €0 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €94,486 | €90,415 | €166,492 | €224,544 | €133,170 | ▼ 40.7% |
| Transfer from deferred taxes780 | €2,461 | €2,546 | €762 | €762 | €714 | ▼ 6.3% |
| Transfer to deferred taxes680 | €0 | - | - | - | - | - |
| Income taxes67/77 | €26,577 | €25,582 | €50,509 | €69,307 | €38,975 | ▼ 43.8% |
| Profit (loss) for the period9904 | €70,370 | €67,379 | €116,744 | €155,998 | €94,909 | ▼ 39.2% |
| Transfer from tax-exempt reserves789 | €9,845 | €10,182 | €3,046 | €3,046 | €2,854 | ▼ 6.3% |
| Transfer to tax-exempt reserves689 | €0 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €80,214 | €77,562 | €119,791 | €159,045 | €97,763 | ▼ 38.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €627,839 | €682,186 | €909,264 | €1.1m | €1.1m | ▲ 2.3% |
| Fixed assets21/28 | €168,243 | €280,235 | €227,350 | €250,915 | €216,722 | ▼ 13.6% |
| Tangible fixed assets22/27 | €167,973 | €279,965 | €227,080 | €250,645 | €216,452 | ▼ 13.6% |
| Land and buildings22 | - | €57,000 | €61,488 | €74,721 | €69,782 | ▼ 6.6% |
| Plant, machinery and equipment23 | €5,543 | €10,540 | €10,083 | €7,152 | €4,220 | ▼ 41.0% |
| Furniture and vehicles24 | €162,431 | €209,188 | €152,620 | €166,232 | €140,256 | ▼ 15.6% |
| Other tangible fixed assets26 | - | €3,237 | €2,889 | €2,541 | €2,193 | ▼ 13.7% |
| Financial fixed assets28 | €270 | €270 | €270 | €270 | €270 | = |
| Current assets29/58 | €459,596 | €401,951 | €681,914 | €801,031 | €859,938 | ▲ 7.4% |
| Stocks and contracts in progress3 | €0 | - | - | - | - | - |
| Stocks30/36 | €0 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €232,551 | €216,586 | €125,507 | €91,517 | €57,389 | ▼ 37.3% |
| Trade receivables40 | €76,723 | €38,107 | €42,571 | €49,783 | €23,170 | ▼ 53.5% |
| Other amounts receivable41 | €155,828 | €178,479 | €82,937 | €41,734 | €34,219 | ▼ 18.0% |
| Current investments50/53 | €28,131 | €26,203 | €255,598 | €455,498 | €307,909 | ▼ 32.4% |
| Cash at bank and in hand54/58 | €196,580 | €156,583 | €295,396 | €250,577 | €491,134 | ▲ 96.0% |
| Deferred charges and accrued income490/1 | €2,334 | €2,579 | €5,413 | €3,438 | €3,506 | ▲ 2.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €627,839 | €682,186 | €909,264 | €1.1m | €1.1m | ▲ 2.3% |
| Equity10/15 | €473,010 | €528,829 | €640,573 | €731,414 | €772,765 | ▲ 5.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €454,410 | €510,229 | €621,973 | €712,814 | €754,165 | ▲ 5.8% |
| Non-distributable reserves130/1 | €0 | - | - | - | - | - |
| Reserves not available under the articles1311 | €0 | - | - | - | - | - |
| Tax-exempt reserves132 | €19,130 | €8,947 | €5,901 | €2,854 | €0 | ▼ 100% |
| Distributable reserves133 | €435,280 | €501,282 | €616,072 | €709,960 | €754,165 | ▲ 6.2% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Provisions and deferred taxes16 | €4,782 | €2,237 | €1,475 | €714 | €0 | ▼ 100% |
| Deferred taxes168 | €4,782 | €2,237 | €1,475 | €714 | €0 | ▼ 100% |
| Amounts payable17/49 | €150,047 | €151,121 | €267,215 | €319,818 | €303,895 | ▼ 5.0% |
| Amounts payable after more than one year17 | €85,364 | €104,670 | €128,006 | €181,230 | €169,970 | ▼ 6.2% |
| Financial debts170/4 | €85,364 | €104,670 | €128,006 | €181,230 | €169,970 | ▼ 6.2% |
| Amounts payable within one year42/48 | €60,349 | €43,711 | €134,610 | €134,895 | €129,083 | ▼ 4.3% |
| Current portion of amounts payable after more than one year42 | €4,330 | €6,921 | €6,663 | €6,776 | €23,777 | ▲ 251% |
| Financial debts43 | €0 | €3,345 | €3,382 | €0 | - | - |
| Credit institutions430/8 | €0 | €3,345 | €3,382 | €0 | - | - |
| Trade debts44 | €23,202 | €29,346 | €97,196 | €72,670 | €64,689 | ▼ 11.0% |
| Suppliers440/4 | €23,202 | €29,346 | €97,196 | €72,670 | €64,689 | ▼ 11.0% |
| Taxes, remuneration and social security45 | €32,817 | €4,099 | €27,369 | €55,448 | €40,617 | ▼ 26.7% |
| Taxes450/3 | €29,205 | €3,032 | €24,443 | €50,969 | €37,087 | ▼ 27.2% |
| Remuneration and social security454/9 | €3,612 | €1,068 | €2,926 | €4,479 | €3,529 | ▼ 21.2% |
| Accrued charges and deferred income492/3 | €4,335 | €2,739 | €4,598 | €3,693 | €4,841 | ▲ 31.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €70,370 | €67,379 | €116,744 | €155,998 | €94,909 | ▼ 39.2% |
| + Depreciation and write-downs630 | €55,671 | €55,862 | €62,595 | €68,548 | €83,168 | ▲ 21.3% |
| Operating cash flow (approximation) | €126,040 | €123,241 | €179,339 | €224,547 | €178,077 | ▼ 20.7% |
| Investment in fixed assets (approximation) | - | -€167,854 | -€9,709 | -€92,114 | -€48,974 | ▲ 46.8% |
| Change in cash | - | -€39,997 | €138,813 | -€44,819 | €240,557 | ▲ 637% |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €155,998 ▲33.6%
Operating result €210,232, net result €155,998, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500,000Eq €528,829 ▲11.8%
5 profitable years in a row build equity to €528,829.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Gavere · 1 establishment unit since 2002
Ground area
438 m²
Building footprint
99 m²
Volume, LiDAR
67 m³
Parcel 44016A0708/00Z000, Flanders · tallest building 4.1 m. Linked by address, not a title deed.
1 establishment unit
Provinciebaan 61 A, 9890 Gavere
since 20022.115.337.495
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44016A0708/00Z000 | Flanders | 438 m² | 1 · 99 m² | 4.0 m |
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 8,574 companies in sector 43410 we hold annual accounts for 4,366. 2,353 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
Founded13-08-2002
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43221Plumbing work
43350Other building finishing work
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.