Turnover
≈ €180,000 estimated
The micro format states no turnover.
BâtiTech
Overview
Lifetime
1 annual account with figurespeak €22,047 (2025)
€22,047
peak €11,881 (2025)
€11,881
peak €16,881 (2025)
€16,881
€38,649
Board2 names since 2025
2 directorsHAMMOUD Fouad and 1 other
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Incorporation 23-011 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€5,000 100 shares
2025 accounts filed 31 days after the deadline
Checked score
64
Healthy
Financially stronger than 56% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 1.9%
03-2026: 1.9%● unchanged vs 02-2026
04-2026: 1.9%● unchanged vs 03-2026
05-2026: 2.3%▲ +0.4 percentage points vs 04-2026
06-2026: 2.4%▲ +0.1 percentage points vs 05-2026
07-2026: 2.7%▲ +0.3 percentage points vs 06-2026highest value
08-2026: 2.7%● unchanged vs 07-2026highest value
09-2026: 1.6%▼ -1.1 percentage points vs 08-2026lowest value
10-2026: 1.6%● unchanged vs 09-2026
11-2026: 1.6%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
Size: total assets €55,530
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 0.91, cash €19,757
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 32% of them on solvency, 54% on liquidity and 81% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as BâtiTech has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
The bankruptcy probability of BâtiTech itself is higher: 1.6% within 12 months. It rests on far more data about BâtiTech than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for BâtiTech. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.91, below 1. Short-term debt is 69.6% and cash 35.6% of total assets. 69.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
31 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- HAMMOUD Jawad 50 sharesdeed of 23-01-2025
- HAMMOUD Fouad 50 sharesdeed of 23-01-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1018965796
Incorporation
Founding capital of €5,000, 100 shares · Founders: HAMMOUD Jawad and HAMMOUD Fouad · Appointments: HAMMOUD Jawad (director) and HAMMOUD Fouad (director) · published on 23-01-2025 · Gazette deed
First establishment
Chaussée de Charleroi 32, Fleurus
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BâtiTech Fleurus | €55,530 | €22,047 | 30.4% | - |
| DF ENERGIE Frasnes-lez-Anvaing | €66,428 | €20,165 | 7.6% | - |
| Blix Eco Solutions Genk | €57,365 | €20,971 | 43.5% | - |
| KAREL ELECTRO Grimbergen | €56,094 | €20,541 | 16.4% | - |
| SMART TECH SOLUTION Brussels | €51,568 | €24,169 | 52.0% | - |
| Andolectric Lievegem | €47,012 | €21,082 | 37.0% | - |
| ALTAY GROUP Lievegem | €65,212 | €23,705 | 26.6% | - |
These companies have the same main activity as BâtiTech: general electrical installation work (NACE 43211). They are comparable in size and age: total assets between €47,000 and €66,400, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 21-01-2025Normal situation
- Activity
- General electrical installation workNACE 43211and 3 others
- Establishment unit
- 2.369.634.0816220 Fleurus, since 21-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 19-03-2026
Insights on BâtiTech
The computed 12-month bankruptcy probability of BâtiTech is 1.6% (moderate). The 2025 annual accounts show equity of €16,881 and a net result of €11,881.
Its solvency ranks better than 32% of 35,136 sector peers (NACE 43, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-08-2026, 31 days late€22,047
€16,303
€11,881
-€3,475
30.4%
0.91
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €180,000. Estimated: probably between €120,000 and €380,000.
Balance sheet
balance sheet total €55,530 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
30.4%
Higher than 32% of 35,136 companies in 2025.
0.91
Higher than 18% of 34,510 companies in 2025.
21.4%
Higher than 79% of 34,711 companies in 2025.
BâtiTech
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
55,530 | |
21/28 |
20,356 | |
21 |
5,295 | |
22/27 |
15,061 | |
23 |
4,700 | |
24 |
10,361 | |
29/58 |
35,174 | |
40/41 |
14,993 | |
40 |
13,889 | |
41 |
1,104 | |
54/58 |
19,757 | |
490/1 |
424 | |
| Balance sheet: equity and liabilities | ||
10/49 |
55,530 | |
10/15 |
16,881 | |
10/11 |
5,000 | |
13 |
11,850 | |
133 |
11,850 | |
14 |
31 | |
17/49 |
38,649 | |
42/48 |
38,649 | |
44 |
10,251 | |
440/4 |
10,251 | |
45 |
4,304 | |
450/3 |
4,304 | |
47/48 |
24,094 | |
| Income statement | ||
9900 |
22,047 | |
630 |
5,471 | |
640/8 |
274 | |
9901 |
16,303 | |
75/76B |
1 | |
75 |
1 | |
65/66B |
118 | |
65 |
118 | |
9903 |
16,185 | |
67/77 |
4,304 | |
9904 |
11,881 | |
9905 |
11,881 | |
| Appropriation of the result | ||
9906 |
11,881 | |
691/2 |
11,850 | |
6921 |
11,850 | |
| Document | ||
The notes to these accounts have 9 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00497149.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00497149 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 21,774 | ||
| 17,352 | ||
| 25,827 | ||
| -3,475 | ||
| 30.4% | ||
| 0.91 | ||
| 2.29 | ||
| 70.4% | ||
| 21.4% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €19,977 |
| Intangible fixed assets | €5,850 |
| €5,471 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on BâtiTech
Debt's share of the balance-sheet total is 69.6%.
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
appointed by deed of 23-01-2025
term without a fixed end
Director (not named in the articles)
appointed by deed of 23-01-2025
term without a fixed end
Mandates through the years
2 names, the dashed line is todayHAMMOUD Fouad
Director (not named in the articles)
Director (not named in the articles)
HAMMOUD Jawad
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- HAMMOUD Fouad
- Director (not named in the articles), appointed by deed of 23-01-2025, still in office
- HAMMOUD Jawad
- Director (not named in the articles), appointed by deed of 23-01-2025, still in office
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €169 in 2025
- Source
- deed of 23-01-2025
Articles of association
deed of 23-01-2025 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant moitié acquéreurs au prorata si plusieurs, actions dont cession proposée”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Wednesday of June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Dissolution pour quelque cause et à quelque moment, assemblée générale peut désigner un ou plusieurs liquidateurs et déterminer pouvoirs et…”
Shareholders
At incorporation
deed of 23-01-2025 ↗
- HAMMOUD Jawad 50 shares
- HAMMOUD Fouad 50 shares
Network & group
No group
BâtiTech has no parent and no holdings in its annual accounts. BâtiTech shares no director with another company.
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 31 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1018965796
2025
IncorporationFounding capital of €5,000, 100 shares · Founders: HAMMOUD Jawad and HAMMOUD Fouad · Appointments: HAMMOUD Jawad (director) and HAMMOUD Fouad (director) · published on 23-01-202510 points ▸
- Founder, HAMMOUD Jawad
- Founder, HAMMOUD Fouad
- Founding capital, €5,000, 100 shares
- Registered office clause, Chaussée de Charleroi 32 A, 6220 Fleurus
- Board rule, 2
- Director appointment, HAMMOUD Jawad (director (not named in the articles))
- Director appointment, HAMMOUD Fouad (director (not named in the articles))
- HAMMOUD Jawad holds 50 shares
- HAMMOUD Fouad holds 50 shares
- Power of attorney, Caroline Counet
- The deed holds 3 more points.
First establishment Chaussée de Charleroi 32, Fleurus
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1018.965.796
- VAT number
- BE 1018.965.796
- Peppol ID
- 0208:1018965796
- Other Peppol ID
- 9925:BE1018965796
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 21-01-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Wednesday of June at 18:00deed of 23-01-2025 (in French)
- Peppol
- Reachable since 19-03-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- BâtiTech in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 23-01-2025 (in French)
Activities
NACEBEL 202543211
General electrical installation work main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’activité d’immobilier,au sens large du terme,et notamment l’achat,l’échange,la vente,la prise en location et en sous-location,ainsi que la…”deed of 23-01-2025 (in French)
13 activities
- L’activité d’immobilier,au sens large du terme,et notamment l’achat,l’échange,la vente,la prise en location et en sous-location,ainsi que la cession en location et sous-location,le tout avec ou sans option d’achat,l’exploitation et l’entretien de maisons,appartements,bureaux,magasins,fonds de commerce,terrains,terres et domaines,et de manière générale de tous biens immobiliers,ainsi que toutes opérations de financement.Elle pourra effectuer des transformations et des mises en valeur ainsi que l’étude et l’aménagement de lotissements.
- La construction,l’achat,la vente (notamment en ligne),l’import et l’export,la commission,la représentation et le commerce en gros ou en détail,de : Tout matériel électrique,de chauffage,réfrigération,ventilation,conditionnement d’air et cuisine
- Tout appareil et article sanitaire ;
- Tout appareil,machine et outil à usage commercial et industriel de tous genres ;
- Tout appareil,machine et matériel électrique,appareil et article électronique-ménager et d’éclairage,appareil et matériel radioélectrique ;
- Tous produits et matériaux pour la construction ainsi que tous les matériaux et services complémentaires.
- Relativement à cet objet,toutes fonctions de consultance et/ou de service s’y rapportant,le conseil,la formation,la préparation,les calculs,les études,l’expertise technique,l’assistance,la prestation de service et de conseil en organisation et gestion d’entreprise actives dans le domaine.
- Liste énonciative et non limitative
- Peut avoir des filiales,dépôts ou membres affiliés,tant en Belgique qu’à l’étranger
- Tous les travaux d’électricité générale,installation électrique,fabricant et installateur d’enseignes lumineuses,la construction de lignes et de réseaux de télécommunication,l’installation de système de télécommunication et installations informatiques,la réparation d’équipements électriques,l’installation de systèmes d’alimentation de secours (groupes électrogènes),l’installation de câbles et appareils électriques,l’installation de système de surveillance et d’alarme contre les effractions,l’installation électrique de chauffage,l’installation d’enseignes lumineuses ou non.Les travaux d’installation générales d’électricité.
- Tous travaux d’installation,réparation,entretien électrotechnique du bâtiment.
- L’installation d’antennes d’immeubles et paratonnerres,installation de matériaux thermique,acoustique et anti vibrante.L’installation d’éclairage ou signalisation pour chaussée,voies ferrées,aéroports et installation portuaires,l’installation d’ascenseurs et d’escaliers mécaniques,la pose de panneaux solaires et photovoltaïques,la pose de bornes de recharge.
- L’enseignement,l’organisation de stage,la formation,le coaching,dans tous les domaines relatifs à l’objet social ci-avant,l’organisation d’événement ou la participation à tout type d’évènement.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Chaussée de Charleroi 32 registered office 6220 Fleurus | 21-01-2025 | 2.369.634.081 |
Buildings and parcels at the address
- Ground area
- 894 m²
- Buildings
- 137 m²
- Volume, LiDAR
- 725 m³
- Tallest building
- 6.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 52021B0008/00B007 | 894 m² | 1 · 136 m² | 6.8 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1018.965.796