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.
Overview
Activity
Activities of holding companies
NACE 64210
1 site
Size
€582,148total assets 2025
- Equity
- €2,000
- Profit
- €62,810
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Accounts 134 days early0 of 1 deed read
Signalsraises riskWeak solvency vs sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 9701 sector peers (2025).
NBB · sector comparisonPosition among 9701 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-03-2026, 134 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
134 days early
2024
17 days early
2023
13 days early
2022
21 days early
2021
23 days early
2020
36 days early
2019
17 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 37 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 10 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
20-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Weakest financial yearnet €16,268 ▼92.3%
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. 1,715 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.
Directors
Directors
No directors read yet: 0 of 1 Gazette act processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
19-03
NBB filing
Annual accounts filed
financial year 2025 · micro format
2025
14-07
NBB filing
Annual accounts filed
financial year 2024 · micro format
2024
31-12
Financial
Weakest financial yearnet €16,268 ▼92.3%
Net result drops to €16,268, the lowest in the series; recovery starts the following year.
08-08
Gazette deed
General meeting · Capital conversion
Reserve release · Purpose change
18-07
NBB filing
Annual accounts filed
financial year 2023 · micro format
2023
31-12
Financial
Highest result from 2019 to 2025net €210,316 ▲434%
Operating result €279,042, net result €210,316, both a record.
31-12
Financial
Equity above €150,000equity €157,576 ▲281%
A profit in every financial year since 2019 builds equity to €157,576.
10-07
NBB filing
Annual accounts filed
financial year 2022 · micro format
2022
08-07
NBB filing
Annual accounts filed
financial year 2021 · micro format
2021
31-12
Financial
Equity above €150,000equity €161,163 ▲31.4%
A profit in every financial year since 2019 builds equity to €161,163.
25-06
NBB filing
Annual accounts filed
financial year 2020 · micro format
2020
31-12
Financial
Equity above €100,000equity €122,641 ▲40.2%
A profit in every financial year since 2019 builds equity to €122,641.
14-07
NBB filing
Annual accounts filed
financial year 2019 · micro format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
0 of 1 deed read
About the unread acts
We know of 1 Belgian Official Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPrivate limited company
Founded06-08-2019
Financial year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0731881628
Also
9925:BE0731881628
Registered
01-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 20 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Herentals · 1 establishment unit since 2019
Ground area
837 m²
Building footprint
190 m²
Building volume
1,722 m³
Parcel 13011B0662/00B002, Flanders · tallest building 14.5 m. Linked by address, not a title deed.
1 establishment unit
BB-Construct
since 2019unit no. 2.291.926.886
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13011B0662/00B002 | Flanders | 837 m² | 1 · 190 m² | 14.4 m · 3 |
How the parcels are linked
Good to know
The parcel matches the address exactly.