B4BUILD

Active

Private limited companyfounded 20233 yrs activeChemin d'Oeudeghien(Bou) 29, 7803 Ath, BelgiumKBO/BCE: BE 0802.706.870

B4BUILD has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €72k and a net result of €63k. Its solvency ranks better than 69% of 37960 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).

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Checked score

Score 2024

91 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+27

Solvency100▲+54

Growth78

Track record94

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity ample (current ratio 3.78 against 1.12 in 2023; short-term debt: 25.3% and cash: 75.8% of total assets), and 25.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-06-2025, 48 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

48 d early

2023

10 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€72k▲ 660%

2023 · €10k

2023: €10k

2023 → 2024

Total assets

€97k▲ 112%

2023 · €46k

2023: €46k

2023 → 2024

Net result

€63k▲ 863%

2023 · €7k

2023: €7k

2023 → 2024

Working capital

€68k▲ 1,448%

2023 · €4k

2023: €4k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€10k-€72k▲ 660%

Operating result€9k-€86k▲ 859%

Net result€7k-€63k▲ 863%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2024; 2024 is 859% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €97k

95.7%

Fixed assets €4k▼ 17.8%

Current assets €93k▲ 128%

Equity and liabilities €97k

74.6%

25.4%

Equity €72k▲ 660%

Debt €25k▼ 32.0%

The debt ratio falls from 79.2% to 25.4%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€87k▲

2023 · €9k

Cash flow

€65k▲

2023 · €7k

Solvency

74.6%▲

2023 · 20.8%

Current ratio

3.78▲

2023 · 1.12

Quick ratio

3.78▲

2023 · 1.12

Debt / equity

0.34▼

2023 · 3.80

ROE

86.8%▲

2023 · 68.5%

ROA

64.8%▲

2023 · 14.3%

Interest coverage

17.77

Debt

€25k▼

2023 · €36k

Debt ≤ 1 year

€25k▼

2023 · €36k

Income taxes

€18k▲

2023 · €2k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€46k€97k▲

Fixed assets21/28€5k€4k▼

Tangible fixed assets22/27€5k€4k▼

Furniture and vehicles24€5k€4k▼

Financial fixed assets28€225€225=

Current assets29/58€41k€93k▲

Amounts receivable within one year40/41€224€18k▲

Trade receivables40€224€18k▲

Cash at bank and in hand54/58€40k€74k▲

Deferred charges and accrued income490/1€898€1k▲

Equity and liabilities

Total equity and liabilities10/49€46k€97k▲

Equity10/15€10k€72k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€7k€69k▲

Amounts payable17/49€36k€25k▼

Amounts payable within one year42/48€36k€25k▼

Trade debts44€6k€3k▼

Suppliers440/4€6k€3k▼

Taxes, remuneration and social security45€19k€22k▲

Taxes450/3€16k€22k▲

Remuneration and social security454/9€3k-

Other amounts payable47/48€11k-

Accrued charges and deferred income492/3-€84

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€377€2k▲

Other operating charges640/8€3k€1k▼

Non-recurring operating charges66A-€332

Gross operating margin9900€12k€89k▲

Operating profit (loss)9901€9k€86k▲

Financial income75/76B-€100

Recurring financial income75-€100

Financial charges65/66B-€5k

Recurring financial charges65-€5k

Profit (loss) for the period before taxes9903€9k€81k▲

Income taxes67/77€2k€18k▲

Profit (loss) for the period9904€7k€63k▲

Profit (loss) for the period to be appropriated9905€7k€63k▲

Appropriation of the result

Profit (loss) to be appropriated9906€7k€69k▲

Profit (loss) brought forward from the previous period14P-€7k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

2025

13-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Liquidity triplescurrent ratio 3.78

Current ratio from 1.12 to 3.78; short-term debt falls from €36k to €25k.

10-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 10 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Ath · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Chemin d'Oeudeghien(Bou) 297803 Ath

Ground area

968 m²

Building footprint

96 m²

Parcel 51011A0240/00A002, Wallonia. Linked by address, not a title deed.

1 establishment unit

B4BUILD

Chemin d'Oeudeghien(Bou) 29, 7803 AthAgents in non-specialised wholesale trade

since 20232.347.817.593

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
51011A0240/00A002	Wallonia	968 m²	1 · 96 m²	-

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel 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

Dendermonde · Eq €72k

Sint-Lambrechts-Woluwe · Eq €72k

Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 39,784 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded14-06-2023

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.