BANKERS CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of BANKERS CONSTRUCT is 1.9% (moderate). The 2024 annual accounts show equity of €761k and a net result of €246k. Equity is growing by ~62.9% per year across the filed fiscal years. Its solvency ranks better than 44% of 2090 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
73
/ 100
Healthy▲ +23 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency63▲+22
Growth78=
Stability100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.31 in 2023), and 67.1% of the assets are financed with debt.
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
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
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
32.9%
Return on assets
10.6%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
12 d early
2022
11 d early
2021
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€761k▲ 47.8%
2023 · €515k
2021: €-46k
2022: €304k
2023: €515k
2021 → 2024
Total assets
€2.32M▲ 5.9%
2023 · €2.19M
2021: €1.93M
2022: €2.60M
2023: €2.19M
2021 → 2024
Net result
€246k▲ 16.5%
2023 · €211k
2021: €-61k
2022: €349k
2023: €211k
2021 → 2024
Working capital
€761k▲ 47.8%
2023 · €515k
2021: €-46k
2022: €304k
2023: €515k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€-46k-€304k€515k▲ 69.6%€761k▲ 47.8%
Operating result€-31k-€471k€303k▼ 35.8%€337k▲ 11.3%
Net result€-61k-€349k€211k▼ 39.5%€246k▲ 16.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 11% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €2.32M
Equity
€761k▲ 47.8%
Debt
€1.55M▼ 7.0%
The debt ratio falls from 76.4% to 67.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
32.9%▲
2023 · 23.6%
Current ratio
1.49▲
2023 · 1.31
Quick ratio
0.96▲
2023 · 0.59
Debt / equity
2.04▼
2023 · 3.24
ROE
32.3%▼
2023 · 41.0%
ROA
10.6%▲
2023 · 9.7%
Debt
€1.55M▼
2023 · €1.67M
Debt ≤ 1 year
€1.55M▼
2023 · €1.67M
Income taxes
€93k▲
2023 · €71k
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€2.19M€2.32M▲
Current assets29/58€2.19M€2.32M▲
Stocks and contracts in progress3€1.21M€828k▼
Stocks30/36€244k€0▼
Contracts in progress37€961k€828k▼
Amounts receivable within one year40/41€608k€747k▲
Trade receivables40€3k€361▼
Other amounts receivable41€605k€747k▲
Cash at bank and in hand54/58€368k€740k▲
Deferred charges and accrued income490/1€4k€280▼
Equity and liabilities
Total equity and liabilities10/49€2.19M€2.32M▲
Equity10/15€515k€761k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€500k€746k▲
Amounts payable17/49€1.67M€1.55M▼
Amounts payable within one year42/48€1.67M€1.55M▼
Current portion of amounts payable after more than one year42€41k€0▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€86k€25k▼
Suppliers440/4€86k€25k▼
Advances received on contracts in progress46€1.06M€1.15M▲
Taxes, remuneration and social security45€79k€349k▲
Taxes450/3€79k€349k▲
Other amounts payable47/48€409k€29k▼
Income statement
Code20232024
Other operating charges640/8€1k€1k▲
Gross operating margin9900€304k€338k▲
Operating profit (loss)9901€303k€337k▲
Financial income75/76B€13k€20k▲
Recurring financial income75€13k€20k▲
Financial charges65/66B€34k€18k▼
Recurring financial charges65€34k€18k▼
Profit (loss) for the period before taxes9903€282k€339k▲
Income taxes67/77€71k€93k▲
Profit (loss) for the period9904€211k€246k▲
Profit (loss) for the period to be appropriated9905€211k€246k▲
Appropriation of the result
Profit (loss) to be appropriated9906€500k€746k▲
Profit (loss) brought forward from the previous period14P€289k€500k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500kEq €515k ▲69.6%
2 profitable years in a row build equity to €515k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €349k
Net result €349k after one loss-making year.
31-12
Financial
Equity above €200kEq €304k
Equity rises from €-46k to €304k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Pelt · 1 establishment unit since 2020
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.
Koning Albertlaan 183910 PeltGround area
2,391 m²
Building footprint
151 m²
Volume, LiDAR
1,281 m³
Parcel 72025E0082/00V000, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BANKERS CONSTRUCT
since 20202.303.340.620
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72025E0082/00V000 | Flanders | 2,391 m² | 1 · 151 m² | 10.5 m · 3 fl. |
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
RESIDENTIES APOLLO
BE 0462.093.053
Nieuwpoort · Eq €761k
PRO interieur
BE 0728.810.587
Ravels · Eq €761k
brain invest
BE 0423.065.104
Kapellen · Eq €760k
BOUWBEDRIJF F. SNIJERS
BE 0437.092.589
Rijkevorsel · Eq €762k
VIRAN BAT
BE 0838.522.834
Sint-Joost-ten-Node · Eq €760k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,868. 7,470 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.