Summary
BB-Construct is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2,000 and a net result of €62,810. Equity is growing by about 3.4% per year across the filed financial years. Its solvency ranks better than 9% of 9,701 sector peers (NACE 64, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
Equity
€2,000▼ 98.8%
2024 · €173,844
Net result
€62,810▲ 286%
2024 · €16,268
Total assets
€582,148▲ 0.8%
2024 · €577,788
Solvency
0.3%▼ 29.7pp
2024 · 30.1%
Trend over the years
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result recovers in 2025; 2025 is 208% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€82,309
2025
Net result€62,810
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€582,148
2025
Equity€2,000
2025
Debt€580,148
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€29,661
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)10.8%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency0.3%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.95
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line2019202020212022202320242025
Operating result€108,821-€43,290▼ 60.2%€46,988▲ 8.5%€50,367▲ 7.2%€279,042▲ 454%€26,689▼ 90.4%€82,309▲ 208%
Net result€85,501-€35,140within the sector's middle half▼ 58.9%€38,522within the sector's middle half▲ 9.6%€39,377within the sector's middle half▲ 2.2%€210,316above the sector's middle half▲ 434%€16,268within the sector's middle half▼ 92.3%€62,810within the sector's middle half▲ 286%
Equity€87,501-€122,641within the sector's middle half▲ 40.2%€161,163within the sector's middle half▲ 31.4%€41,377within the sector's middle half▼ 74.3%€157,576within the sector's middle half▲ 281%€173,844within the sector's middle half▲ 10.3%€2,000below the sector's middle half▼ 98.8%
Total assets€125,684-€420,160within the sector's middle half▲ 234%€414,911within the sector's middle half▼ 1.2%€274,189within the sector's middle half▼ 33.9%€435,703within the sector's middle half▲ 58.9%€577,788within the sector's middle half▲ 32.6%€582,148within the sector's middle half▲ 0.8%
Debt€38,184-€297,519▲ 679%€253,748▼ 14.7%€232,812▼ 8.3%€278,128▲ 19.5%€403,944▲ 45.2%€580,148▲ 43.6%
Working capital€87,501-€96,504within the sector's middle half▲ 10.3%€131,994within the sector's middle half▲ 36.8%€10,645within the sector's middle half▼ 91.9%€112,150within the sector's middle half▲ 954%€131,605within the sector's middle half▲ 17.3%-€29,661below the sector's middle half
Solvency69.6%-29.2%within the sector's middle half▼ 40.4pp38.8%within the sector's middle half▲ 9.7pp15.1%below the sector's middle half▼ 23.8pp36.2%within the sector's middle half▲ 21.1pp30.1%within the sector's middle half▼ 6.1pp0.3%below the sector's middle half▼ 29.7pp
Current ratio3.29-1.37within the sector's middle half▼ 1.921.58within the sector's middle half▲ 0.211.05within the sector's middle half▼ 0.531.51within the sector's middle half▲ 0.461.36within the sector's middle half▼ 0.150.95within the sector's middle half▼ 0.41
Return on assets (ROA)68.0%-8.4%within the sector's middle half▼ 59.7pp9.3%within the sector's middle half▲ 0.9pp14.4%within the sector's middle half▲ 5.1pp48.3%above the sector's middle half▲ 33.9pp2.8%within the sector's middle half▼ 45.5pp10.8%within the sector's middle half▲ 8.0pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €582,148
Fixed assets
€55,227 ▼ 30.9%
Current assets
€526,920 ▲ 5.8%
Equity and liabilities €582,148
Equity
€2,000 ▼ 98.8%
Debt
€580,148 ▲ 43.6%
Debt's share of the balance-sheet total rises from 69.9% to 99.7%. Equity is lower and debt is higher.
Key figures and ratios
Debt ≤ 1 year
€556,581▲
2024 · €366,213
Debt > 1 year
€23,566▼
2024 · €37,731
Income taxes
€16,717▲
2024 · €7,797
A ratio outside any meaningful range has been withheld (balance sheet total €582,148, equity €2,000).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | - | €19,871 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €6,732 | €14,381 | €14,897 | €22,164 | €31,516 | €20,270 | ▼ 35.7% |
| Other operating charges640/8 | - | - | €503 | €627 | €620 | €569 | €585 | ▲ 2.9% |
| Gross operating margin9900 | €109,496 | €50,666 | €61,873 | €65,891 | €301,826 | €58,774 | €103,164 | ▲ 75.5% |
| Operating profit (loss)9901 | €108,821 | €43,290 | €46,988 | €50,367 | €279,042 | €26,689 | €82,309 | ▲ 208% |
| Financial income75/76B | - | - | €3,000 | €2,032 | €1,050 | €0 | - | - |
| Recurring financial income75 | - | €3,000 | €3,000 | €2,032 | €1,050 | €0 | - | - |
| Financial charges65/66B | - | - | €653 | €1,094 | €2,470 | €2,624 | €2,781 | ▲ 6.0% |
| Recurring financial charges65 | €98 | €593 | €653 | €1,094 | €2,470 | €2,624 | €2,781 | ▲ 6.0% |
| Profit (loss) for the period before taxes9903 | €108,723 | €45,697 | €49,336 | €51,305 | €277,621 | €24,065 | €79,527 | ▲ 230% |
| Income taxes67/77 | €23,222 | €10,557 | €10,813 | €11,928 | €67,305 | €7,797 | €16,717 | ▲ 114% |
| Profit (loss) for the period9904 | €85,501 | €35,140 | €38,522 | €39,377 | €210,316 | €16,268 | €62,810 | ▲ 286% |
| Profit (loss) for the period to be appropriated9905 | €85,501 | €35,140 | €38,522 | €39,377 | €210,316 | €16,268 | €62,810 | ▲ 286% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €125,684 | €420,160 | €414,911 | €274,189 | €435,703 | €577,788 | €582,148 | ▲ 0.8% |
| Fixed assets21/28 | - | €64,528 | €56,740 | €47,366 | €102,338 | €79,970 | €55,227 | ▼ 30.9% |
| Tangible fixed assets22/27 | - | €64,528 | €56,740 | €47,366 | €102,338 | €79,970 | €55,227 | ▼ 30.9% |
| Plant, machinery and equipment23 | - | - | - | €5,081 | €3,586 | €2,091 | €810 | ▼ 61.3% |
| Furniture and vehicles24 | - | - | €41,815 | €29,793 | €88,694 | €61,244 | €40,069 | ▼ 34.6% |
| Other tangible fixed assets26 | - | - | €14,925 | €12,491 | €10,058 | €16,635 | €14,348 | ▼ 13.7% |
| Current assets29/58 | €125,684 | €355,632 | €358,171 | €226,824 | €333,365 | €497,817 | €526,920 | ▲ 5.8% |
| Amounts receivable after more than one year29 | - | - | €200,000 | €70,000 | - | - | - | - |
| Other amounts receivable291 | - | - | €200,000 | €70,000 | - | - | - | - |
| Amounts receivable within one year40/41 | €76,034 | €52,205 | €50,000 | €50,000 | €23,724 | €207,295 | €238,765 | ▲ 15.2% |
| Trade receivables40 | - | - | €50,000 | €50,000 | €21,029 | €18,150 | €19,379 | ▲ 6.8% |
| Other amounts receivable41 | - | - | - | - | €2,695 | €189,145 | €219,386 | ▲ 16.0% |
| Cash at bank and in hand54/58 | €49,650 | €101,905 | €108,171 | €106,824 | €307,843 | €288,657 | €286,250 | ▼ 0.8% |
| Deferred charges and accrued income490/1 | - | - | - | - | €1,798 | €1,866 | €1,906 | ▲ 2.2% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €125,684 | €420,160 | €414,911 | €274,189 | €435,703 | €577,788 | €582,148 | ▲ 0.8% |
| Equity10/15 | €87,501 | €122,641 | €161,163 | €41,377 | €157,576 | €173,844 | €2,000 | ▼ 98.8% |
| Contributions10/11 | - | - | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €85,501 | €120,641 | €159,163 | €39,377 | €155,576 | €171,844 | €0 | ▼ 100% |
| Distributable reserves133 | - | - | €159,163 | €39,377 | €155,576 | €171,844 | €0 | ▼ 100% |
| Profit (loss) carried forward14 | - | - | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €38,184 | €297,519 | €253,748 | €232,812 | €278,128 | €403,944 | €580,148 | ▲ 43.6% |
| Amounts payable after more than one year17 | - | €38,391 | €27,572 | €16,633 | €56,912 | €37,731 | €23,566 | ▼ 37.5% |
| Financial debts170/4 | - | - | €27,572 | €16,633 | €56,912 | €37,731 | €23,566 | ▼ 37.5% |
| Amounts payable within one year42/48 | €38,184 | €259,128 | €226,176 | €216,179 | €221,215 | €366,213 | €556,581 | ▲ 52.0% |
| Current portion of amounts payable after more than one year42 | - | - | €10,819 | €10,938 | €24,207 | €19,208 | €14,165 | ▼ 26.3% |
| Trade debts44 | €1,637 | - | €731 | €302 | €7,302 | €572 | €3,086 | ▲ 440% |
| Suppliers440/4 | - | - | €731 | €302 | €7,302 | €572 | €3,086 | ▲ 440% |
| Taxes, remuneration and social security45 | - | - | €29,840 | €26,262 | €26,767 | €13,933 | €46,839 | ▲ 236% |
| Taxes450/3 | - | - | €29,840 | €26,262 | €26,767 | €13,933 | €46,839 | ▲ 236% |
| Other amounts payable47/48 | - | - | €184,787 | €178,676 | €162,939 | €332,500 | €492,492 | ▲ 48.1% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €85,501 | €35,140 | €38,522 | €39,377 | €210,316 | €16,268 | €62,810 | ▲ 286% |
| + Depreciation and write-downs630 | - | €6,732 | €14,381 | €14,897 | €22,164 | €31,516 | €20,270 | ▼ 35.7% |
| Operating cash flow (approximation) | €85,501 | €41,872 | €52,903 | €54,275 | €232,480 | €47,784 | €83,080 | ▲ 73.9% |
| Investment in fixed assets (approximation) | - | - | -€6,593 | -€5,522 | -€77,136 | -€9,148 | €4,473 | - |
| Change in cash | - | €52,255 | €6,266 | -€1,347 | €201,020 | -€19,186 | -€2,407 | ▲ 87.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (7)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 19-03-2026 | 2026-00057383 |
| 31-12-2024 | micro format | 14-07-2025 | 2025-00265459 |
| 31-12-2023 | micro format | 18-07-2024 | 2024-00258500 |
| 31-12-2022 | micro format | 10-07-2023 | 2023-00220310 |
| 31-12-2021 | micro format | 08-07-2022 | 2022-20163915 |
| 31-12-2020 | micro format | 25-06-2021 | 2021-24600403 |
| 31-12-2019 | micro format | 14-07-2020 | 2020-29600318 |
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Of the 24,462 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 19,971. 1,714 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.