BAUFIX 2
ActiveThe computed 12-month bankruptcy probability of BAUFIX 2 is 2.4% (moderate). The 2025 annual accounts show equity of €45k and a net result of €4k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 20% of 27711 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
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+60
Solvency43▼-7
Growth52=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.26 in 2024; short-term debt: 81.9% of total assets), and 81.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 43
Relative position
BE, all sectors
reference
Sector 43
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 2025Solvency, return and age of the figures
Solvency
18.1%
Return on assets
1.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
60 d late
2023
63 d late
2022
231 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▲ 10.4%
2024 · €40k
2022: €32k
2023: €51k
2024: €40k
2022 → 2025
Total assets
€246k▲ 52.6%
2024 · €161k
2022: €157k
2023: €366k
2024: €161k
2022 → 2025
Net result
€4k
2024 · €-10k
2022: €28k
2023: €19k
2024: €-10k
2022 → 2025
Working capital
€35k▲ 9.9%
2024 · €31k
2022: €31k
2023: €50k
2024: €31k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€32k-€51k▲ 60.4%€40k▼ 20.1%€45k▲ 10.4%
Operating result€35k-€27k▼ 23.8%€-9k€7k
Net result€28k-€19k▼ 30.8%€-10k€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €246k
Fixed assets
€10k▲ 12.8%
Current assets
€236k▲ 55.0%
Equity and liabilities €246k
Equity
€45k▲ 10.4%
Debt
€202k▲ 66.7%
The debt ratio rises from 74.9% to 81.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11k▲
2024 · €-7k
Cash flow
€8k▲
2024 · €-8k
Solvency
18.1%▼
2024 · 25.1%
Current ratio
1.17▼
2024 · 1.26
Quick ratio
1.17▼
2024 · 1.26
Debt / equity
4.52▲
2024 · 2.99
ROE
9.5%▲
2024 · -25.3%
ROA
1.7%▲
2024 · -6.3%
Interest coverage
6.69▲
2024 · -6.96
Debt
€202k▲
2024 · €121k
Debt ≤ 1 year
€202k▲
2024 · €121k
Income taxes
€1k
Staff costs
€45k▼
2024 · €55k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€161k€246k▲
Fixed assets21/28€9k€10k▲
Tangible fixed assets22/27€9k€10k▲
Plant, machinery and equipment23€54€5k▲
Furniture and vehicles24€9k€5k▼
Current assets29/58€152k€236k▲
Amounts receivable within one year40/41€152k€236k▲
Trade receivables40€14k€39k▲
Other amounts receivable41€139k€197k▲
Equity and liabilities
Total equity and liabilities10/49€161k€246k▲
Equity10/15€40k€45k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€36k€41k▲
Amounts payable17/49€121k€202k▲
Amounts payable within one year42/48€121k€202k▲
Financial debts43€2k€8k▲
Credit institutions430/8€2k€8k▲
Trade debts44€108k€171k▲
Suppliers440/4€108k€171k▲
Taxes, remuneration and social security45€11k€19k▲
Taxes450/3€4k€6k▲
Remuneration and social security454/9€7k€14k▲
Other amounts payable47/48-€3k
Income statement
Code20242025
Remuneration, social security and pensions62€55k€45k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€1k€11k▲
Gross operating margin9900€49k€67k▲
Operating profit (loss)9901€-9k€7k▲
Financial income75/76B-€28
Recurring financial income75-€28
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-10k€6k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-10k€4k▲
Profit (loss) for the period to be appropriated9905€-10k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€41k▲
Profit (loss) brought forward from the previous period14P€47k€36k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet €-10k ▼154%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
18-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 231 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Namur · 1 establishment unit since 2022
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.
Rue du Petit-Ry(JB) 85100 NamurGround area
306 m²
Building footprint
85 m²
Volume, LiDAR
521 m³
Parcel 92322F0568/00E002, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BAUFIX 2
since 20222.328.403.737
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92322F0568/00E002 | Wallonia | 306 m² | 1 · 85 m² | 7.7 m · 2 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.
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G-PHY
BE 0536.789.189
Court-Saint-Etienne · Eq €45k
INDUSTRIE PLUS
BE 0747.883.361
Bree · Eq €45k
ELISAV
BE 0786.523.609
Schaarbeek · Eq €45k
Of 4,270 companies in sector 43230 we hold annual accounts for 1,240. 1,013 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2022
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43120Site preparation
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.