BANICA CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of BANICA CONSTRUCT is 2.8% (moderate). The 2024 annual accounts show equity of €20k and a net result of €9k. Its solvency ranks better than 75% of 7445 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+30
Solvency89▲+45
Growth52
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.69 against 1.19 in 2023; short-term debt: 35.5% and cash: 49.6% of total assets), and 35.5% 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 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
64.5%
Return on assets
30.6%
Age of the figures
22 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2024 was due by 30-06-2025 and was filed on 30-06-2025, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
3 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Financials · fiscal year 2024, abbreviated schema
Turnover
€645k
EBIT margin
2.1%
Net result
€9k▼ 5.3%
2023 · €10k
Working capital
€18k▲ 114%
2023 · €9k
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
Line20232024
Turnover€645k-
Operating result€13k-€13k▼ 3.6%
Net result€10k-€9k▼ 5.3%
EBIT margin2.1%-
Equity€10k-€20k▲ 90.1%
Total assets€56k-€31k▼ 45.2%
Debt€46k-€11k▼ 76.1%
Working capital€9k-€18k▲ 114%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 4% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €31k
Fixed assets
€1k ▼ 25.4%
Current assets
€29k ▼ 45.9%
Equity and liabilities €31k
Equity
€20k ▲ 90.1%
Debt
€11k ▼ 76.1%
Debt's share of the balance-sheet total falls from 81.4% to 35.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▼
2023 · €14k
Cash flow
€10k▼
2023 · €10k
Current ratio
2.69▲
2023 · 1.19
Debt to equity
0.55▼
2023 · 4.38
ROE
47.4%▼
2023 · 95.2%
ROA
30.6%▲
2023 · 17.7%
Debt ≤ 1 year
€11k▼
2023 · €46k
Income taxes
€3k▲
2023 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Turnover70 | €645k | - | - |
| Goods, raw materials, services and sundry goods60/61 | €630k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €486 | €459 | ▼ 5.4% |
| Other operating charges640/8 | €824 | €692 | ▼ 16.1% |
| Gross operating margin9900 | €15k | €14k | ▼ 4.3% |
| Operating profit (loss)9901 | €13k | €13k | ▼ 3.6% |
| Financial charges65/66B | €720 | - | - |
| Recurring financial charges65 | €720 | - | - |
| Profit (loss) for the period before taxes9903 | €13k | €13k | ▲ 1.9% |
| Income taxes67/77 | €3k | €3k | ▲ 29.1% |
| Profit (loss) for the period9904 | €10k | €9k | ▼ 5.3% |
| Profit (loss) for the period to be appropriated9905 | €10k | €9k | ▼ 5.3% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €56k | €31k | ▼ 45.2% |
| Fixed assets21/28 | €2k | €1k | ▼ 25.4% |
| Tangible fixed assets22/27 | €2k | €1k | ▼ 25.4% |
| Plant, machinery and equipment23 | €2k | €1k | ▼ 25.4% |
| Current assets29/58 | €54k | €29k | ▼ 45.9% |
| Amounts receivable within one year40/41 | €8k | €14k | ▲ 84.4% |
| Trade receivables40 | €4k | €12k | ▲ 231% |
| Other amounts receivable41 | €4k | €2k | ▼ 45.8% |
| Cash at bank and in hand54/58 | €47k | €15k | ▼ 67.3% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €56k | €31k | ▼ 45.2% |
| Equity10/15 | €10k | €20k | ▲ 90.1% |
| Contributions10/11 | €500 | €500 | = |
| Profit (loss) carried forward14 | €10k | €19k | ▲ 94.7% |
| Amounts payable17/49 | €46k | €11k | ▼ 76.1% |
| Amounts payable within one year42/48 | €46k | €11k | ▼ 76.1% |
| Trade debts44 | €39k | €5k | ▼ 88.4% |
| Suppliers440/4 | €21k | €4k | ▼ 80.5% |
| Bills of exchange payable441 | €18k | €421 | ▼ 97.7% |
| Taxes, remuneration and social security45 | €7k | €6k | ▼ 4.7% |
| Taxes450/3 | €3k | €5k | ▲ 51.9% |
| Remuneration and social security454/9 | €4k | €2k | ▼ 53.1% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €10k | €9k | ▼ 5.3% |
| + Depreciation and write-downs630 | €486 | €459 | ▼ 5.4% |
| Operating cash flow (approximation) | €10k | €10k | ▼ 5.3% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €-31k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-11
Financial
Liquidity doublescurrent ratio 2.69
Current ratio from 1.19 to 2.69; short-term debt falls from €46k to €11k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
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, Beersel · 1 establishment unit since 2022
Ground area
426 m²
Building footprint
117 m²
Volume, LiDAR
1,378 m³
Parcel 23017D0257/00S000, Flanders · tallest building 15.2 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BANICA CONSTRUCT
since 20222.328.025.635
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23017D0257/00S000 | Flanders | 426 m² | 1 · 117 m² | 15.2 m · 4 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 15,521 companies in sector 43990 we hold annual accounts for 7,414. 5,189 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
Founded14-02-2022
Fiscal year end30-11
Activities, NACEBEL 2025
43990Other specialised construction activities
43341Painting of buildings
43422Screed work
Contact
E-mail
banicaconstruction@gmail.com
E-mail
danpetcu13@gmail.com
Phone
0465888850
Phone
0492 35 33 13
Scores and ratios are computed by Checked and are not a credit decision.