Babel Build
ActiveSummary
The computed 12-month bankruptcy probability of Babel Build is 4.4% (elevated). The 2025 annual accounts show negative equity (-€737) and a net result of -€13,091. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 7586 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-89
Solvency1▼-99
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2025Age of the figures
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€737
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 4 filingsDeviation from the deadline
2025
29 d late
2024
on the day
2023
138 d late
2022
32 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 50 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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. Usually files around 31 August (3 of the last 4 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€737
2024 · €12,355
Total assets
€3,049▼ 75.6%
2024 · €12,494
Net result
-€13,091
2024 · €2,580
Working capital
-€737
2024 · €12,355
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€168-€6,988▲ 4,061%€2,803▼ 59.9%-€11,017
Net result€108within the sector's middle half-€6,667within the sector's middle half▲ 6,049%€2,580within the sector's middle half▼ 61.3%-€13,091below the sector's middle half
Equity€3,108below the sector's middle half-€9,775below the sector's middle half▲ 214%€12,355below the sector's middle half▲ 26.4%-€737below the sector's middle half
Total assets€11,890below the sector's middle half-€14,847below the sector's middle half▲ 24.9%€12,494below the sector's middle half▼ 15.8%€3,049below the sector's middle half▼ 75.6%
Debt€8,781-€5,072▼ 42.2%€139▼ 97.3%€3,785▲ 2,619%
Working capital€3,108within the sector's middle half-€9,775within the sector's middle half▲ 214%€12,355within the sector's middle half▲ 26.4%-€737below the sector's middle half
Solvency26.1%within the sector's middle half-65.8%above the sector's middle half▲ 39.7pp98.9%above the sector's middle half▲ 33.0pp
Current ratio1.35within the sector's middle half-2.93above the sector's middle half▲ 1.5789.74above the sector's middle half▲ 86.81
Return on assets (ROA)0.9%within the sector's middle half-44.9%above the sector's middle half▲ 44.0pp20.6%above the sector's middle half▼ 24.3pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
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 2025: a loss of €11,017 after €2,803 in 2024, the lowest result in the available series.
Key figures and ratios
Debt ≤ 1 year
€3,785▲
2024 · €139
Income taxes
€1,896
Ratios withheld: a balance sheet total of €3,049 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 7,657 companies that looked in July 2024 the way this one looks now, 8.2% went bankrupt within 24 months and 84% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
8.2%
went bankrupt
5.3%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 4.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 7,657 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,001 | - | - | - | - |
| Gross operating margin9900 | €1,169 | €6,988 | €2,803 | -€11,017 | ▼ 493% |
| Operating profit (loss)9901 | €168 | €6,988 | €2,803 | -€11,017 | ▼ 493% |
| Financial income75/76B | - | - | €8 | - | - |
| Recurring financial income75 | - | - | €8 | - | - |
| Financial charges65/66B | €35 | €322 | €232 | €179 | ▼ 22.9% |
| Recurring financial charges65 | €35 | €322 | €232 | €179 | ▼ 22.9% |
| Profit (loss) for the period before taxes9903 | €133 | €6,667 | €2,580 | -€11,195 | ▼ 534% |
| Income taxes67/77 | €25 | - | - | €1,896 | - |
| Profit (loss) for the period9904 | €108 | €6,667 | €2,580 | -€13,091 | ▼ 607% |
| Profit (loss) for the period to be appropriated9905 | €108 | €6,667 | €2,580 | -€13,091 | ▼ 607% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €11,890 | €14,847 | €12,494 | €3,049 | ▼ 75.6% |
| Current assets29/58 | €11,890 | €14,847 | €12,494 | €3,049 | ▼ 75.6% |
| Stocks and contracts in progress3 | €2,500 | €2,500 | - | - | - |
| Stocks30/36 | €2,500 | €2,500 | - | - | - |
| Amounts receivable within one year40/41 | €8,480 | €11,459 | €10,401 | €3,049 | ▼ 70.7% |
| Trade receivables40 | €7,209 | €5,580 | €8,000 | - | - |
| Other amounts receivable41 | €1,270 | €5,879 | €2,401 | €3,049 | ▲ 27.0% |
| Cash at bank and in hand54/58 | €910 | €887 | €443 | - | - |
| Deferred charges and accrued income490/1 | - | - | €1,650 | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €11,890 | €14,847 | €12,494 | €3,049 | ▼ 75.6% |
| Equity10/15 | €3,108 | €9,775 | €12,355 | -€737 | ▼ 106% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €108 | €6,775 | €9,355 | -€3,737 | ▼ 140% |
| Amounts payable17/49 | €8,781 | €5,072 | €139 | €3,785 | ▲ 2,619% |
| Amounts payable within one year42/48 | €8,781 | €5,072 | €139 | €3,785 | ▲ 2,619% |
| Financial debts43 | - | - | - | €27 | - |
| Credit institutions430/8 | - | - | - | €27 | - |
| Trade debts44 | €7,967 | €5,072 | €139 | €657 | ▲ 372% |
| Suppliers440/4 | €7,967 | €5,072 | €139 | €657 | ▲ 372% |
| Taxes, remuneration and social security45 | €25 | - | - | €1,896 | - |
| Taxes450/3 | €25 | - | - | €1,896 | - |
| Other amounts payable47/48 | €790 | - | - | €1,206 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €108 | €6,667 | €2,580 | -€13,091 | ▼ 607% |
| + Depreciation and write-downs630 | €1,001 | - | - | - | - |
| Operating cash flow (approximation) | €1,109 | €6,667 | €2,580 | -€13,091 | ▼ 607% |
| Change in cash | - | -€23 | -€444 | - | - |
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Weakest financial yearnet -€13,091
Net result drops to -€13,091, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 31current ratio 89.74
Current ratio from 2.93 to 89.74; short-term debt falls from €5,072 to €139.
16-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 138 days late
2023
31-12
Financial
Highest result since 2022net €6,667 ▲6,049%
Operating result €6,988, net result €6,667, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.93
Current ratio from 1.35 to 2.93; short-term debt falls from €8,781 to €5,072.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
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, Asse · 1 establishment unit since 2022
Ground area
475 m²
Building footprint
129 m²
Volume, LiDAR
413 m³
Parcel 23095A0002/00X003, Flanders · tallest building 4.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Babel Build
since 20222.331.811.209
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23095A0002/00X003 | Flanders | 475 m² | 1 · 129 m² | 4.9 m · 1 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 29,787 companies in sector 41001 we hold annual accounts for 16,052. 10,053 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
Founded25-05-2022
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
43211General electrical installation work
43221Plumbing work
43350Other building finishing work
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0786583490
Also
9925:BE0786583490
Registered
16-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.