BANI CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of BANI CONSTRUCT is 2.3% (moderate). The 2025 annual accounts show equity of €14,731 and a net result of -€1,151. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 95% of 7586 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability59▼-20
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 18.01 against 39.81 in 2024; short-term debt: 2.9% and cash: 27.9% of total assets), and 2.9% of the assets are financed with debt.
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Signals
Four 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 · 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 · 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 2025Solvency, return and age of the figures
Solvency
97.1%
Return on assets
-7.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 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 · 3 filingsDeviation from the deadline
2025
54 d late
2024
25 d late
2023
21 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 33 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€14,731▼ 7.2%
2024 · €15,882
Total assets
€15,165▼ 6.8%
2024 · €16,269
Net result
-€1,151
2024 · €1,351
Working capital
€7,380▼ 50.9%
2024 · €15,033
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
Line202320242025
Operating result€9,614-€1,426▼ 85.2%€641▼ 55.0%
Net result€9,531within the sector's middle half-€1,351within the sector's middle half▼ 85.8%-€1,151below the sector's middle half
Equity€14,531within the sector's middle half-€15,882within the sector's middle half▲ 9.3%€14,731within the sector's middle half▼ 7.2%
Total assets€15,347below the sector's middle half-€16,269below the sector's middle half▲ 6.0%€15,165below the sector's middle half▼ 6.8%
Debt€816-€387▼ 52.5%€434▲ 12.0%
Working capital€13,115within the sector's middle half-€15,033within the sector's middle half▲ 14.6%€7,380within the sector's middle half▼ 50.9%
Solvency94.7%above the sector's middle half-97.6%above the sector's middle half▲ 2.9pp97.1%above the sector's middle half▼ 0.5pp
Current ratio17.08above the sector's middle half-39.81above the sector's middle half▲ 22.7318.01above the sector's middle half▼ 21.80
Return on assets (ROA)62.1%above the sector's middle half-8.3%within the sector's middle half▼ 53.8pp-7.6%below the sector's middle half▼ 15.9pp
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 has fallen two years in a row; 2025 is 55% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15,165
Fixed assets
€7,351 ▲ 766%
Current assets
€7,814 ▼ 49.3%
Equity and liabilities €15,165
Equity
€14,731 ▼ 7.2%
Debt
€434 ▲ 12.0%
Debt's share of the balance-sheet total rises from 2.4% to 2.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€2,741▲
2024 · €1,992
Cash flow
€949▼
2024 · €1,917
Debt to equity
0.03▲
2024 · 0.02
ROE
-7.8%▼
2024 · 8.5%
Interest coverage
15.81▲
2024 · 12.20
Debt ≤ 1 year
€434▲
2024 · €387
Income taxes
€1,619
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,442 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 90% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a small loss
2.1%
went bankrupt
7.3%
stopped otherwise
90%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.3% 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 3,442 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | - | €75,671 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €284 | €567 | €2,100 | ▲ 271% |
| Other operating charges640/8 | €413 | €397 | €6,592 | ▲ 1,562% |
| Gross operating margin9900 | €10,311 | €2,389 | €9,334 | ▲ 291% |
| Operating profit (loss)9901 | €9,614 | €1,426 | €641 | ▼ 55.0% |
| Financial income75/76B | - | €88 | - | - |
| Recurring financial income75 | - | €88 | - | - |
| Non-recurring financial income76B | - | €88 | - | - |
| Financial charges65/66B | €83 | €163 | €173 | ▲ 6.2% |
| Recurring financial charges65 | €83 | €163 | €173 | ▲ 6.2% |
| Profit (loss) for the period before taxes9903 | €9,531 | €1,351 | €468 | ▼ 65.4% |
| Income taxes67/77 | - | - | €1,619 | - |
| Profit (loss) for the period9904 | €9,531 | €1,351 | -€1,151 | ▼ 185% |
| Profit (loss) for the period to be appropriated9905 | €9,531 | €1,351 | -€1,151 | ▼ 185% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €15,347 | €16,269 | €15,165 | ▼ 6.8% |
| Fixed assets21/28 | €1,416 | €849 | €7,351 | ▲ 766% |
| Tangible fixed assets22/27 | €1,416 | €849 | €7,351 | ▲ 766% |
| Furniture and vehicles24 | €1,416 | €849 | €7,351 | ▲ 766% |
| Current assets29/58 | €13,931 | €15,420 | €7,814 | ▼ 49.3% |
| Amounts receivable within one year40/41 | €10,628 | €7,665 | €3,590 | ▼ 53.2% |
| Trade receivables40 | €6,500 | €7,500 | €1,500 | ▼ 80.0% |
| Other amounts receivable41 | €4,128 | €165 | €2,090 | ▲ 1,164% |
| Cash at bank and in hand54/58 | €2,447 | €7,318 | €4,223 | ▼ 42.3% |
| Deferred charges and accrued income490/1 | €855 | €436 | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €15,347 | €16,269 | €15,165 | ▼ 6.8% |
| Equity10/15 | €14,531 | €15,882 | €14,731 | ▼ 7.2% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | €9,531 | €10,882 | €9,731 | ▼ 10.6% |
| Amounts payable17/49 | €816 | €387 | €434 | ▲ 12.0% |
| Amounts payable within one year42/48 | €816 | €387 | €434 | ▲ 12.0% |
| Trade debts44 | €801 | €387 | €434 | ▲ 12.0% |
| Suppliers440/4 | €801 | €387 | €434 | ▲ 12.0% |
| Other amounts payable47/48 | €14 | - | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,531 | €1,351 | -€1,151 | ▼ 185% |
| + Depreciation and write-downs630 | €284 | €567 | €2,100 | ▲ 271% |
| Operating cash flow (approximation) | €9,815 | €1,917 | €949 | ▼ 50.5% |
| Investment in fixed assets (approximation) | - | €0 | -€8,602 | - |
| Change in cash | - | €4,871 | -€3,095 | ▼ 164% |
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
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 54 days late
2025
31-12
Financial
Weakest financial yearnet -€1,151
Net result drops to -€1,151, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 39.81
Current ratio from 17.08 to 39.81; short-term debt falls from €816 to €387.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Vilvoorde · 1 establishment unit since 2023
Ground area
123 m²
Building footprint
123 m²
Volume, LiDAR
688 m³
Parcel 23644H0020/00S000, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BANI CONSTRUCT
since 20232.346.720.307
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23644H0020/00S000 | Flanders | 123 m² | 1 · 123 m² | 11.1 m · 2 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. 10,645 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
Founded18-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43240Other construction installation
43350Other building finishing work
43990Other specialised construction activities
81210General cleaning of buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0750840475
Also
9925:BE0750840475
Registered
03-02-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.