BB-CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of BB-CONSTRUCT is 2.1% (moderate). The 2025 annual accounts show equity of €26k and a net result of €13k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 35% of 7431 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
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+35
Solvency54▼-26
Growth52=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 2.06 in 2024; short-term debt: 38.4% and cash: 31.5% of total assets), and 70.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 2025Solvency, return and age of the figures
Solvency
29.2%
Return on assets
14.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-08-2026, 1 day 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
1 d late
2024
3 d early
2023
2 d late
2022
17 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▼ 10.5%
2024 · €30k
2022: €21k
2023: €37k
2024: €30k
2022 → 2025
Total assets
€91k▲ 69.3%
2024 · €53k
2022: €128k
2023: €73k
2024: €53k
2022 → 2025
Net result
€13k
2024 · €-7k
2022: €16k
2023: €15k
2024: €-7k
2022 → 2025
Working capital
€10k▼ 37.3%
2024 · €16k
2022: €-9k
2023: €8k
2024: €16k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€21k-€37k▲ 73.1%€30k▼ 19.1%€26k▼ 10.5%
Operating result€20k-€21k▲ 6.7%€-5k€14k
Net result€16k-€15k▼ 4.1%€-7k€13k
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: €14k after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91k
Fixed assets
€46k▲ 98.6%
Current assets
€45k▲ 46.9%
Equity and liabilities €91k
Equity
€26k▼ 10.5%
Debt
€64k▲ 168%
The debt ratio rises from 44.7% to 70.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€28k▲
2024 · €5k
Cash flow
€27k▲
2024 · €3k
Solvency
29.2%▼
2024 · 55.3%
Current ratio
1.28▼
2024 · 2.06
Quick ratio
1.16▼
2024 · 2.06
Debt / equity
2.42▲
2024 · 0.81
ROE
48.7%▲
2024 · -23.5%
ROA
14.2%▲
2024 · -13.0%
Interest coverage
26.20▲
2024 · 9.53
Debt
€64k▲
2024 · €24k
Debt ≤ 1 year
€35k▲
2024 · €15k
Debt > 1 year
€29k▲
2024 · €9k
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€53k€91k▲
Fixed assets21/28€23k€46k▲
Tangible fixed assets22/27€23k€46k▲
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€19k€43k▲
Current assets29/58€30k€45k▲
Stocks and contracts in progress3-€4k
Stocks30/36-€4k
Amounts receivable within one year40/41€4k€11k▲
Trade receivables40-€11k
Other amounts receivable41€4k-
Cash at bank and in hand54/58€27k€29k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€53k€91k▲
Equity10/15€30k€26k▼
Contributions10/11€5k€5k=
Reserves13€22k€18k▼
Distributable reserves133€22k€18k▼
Profit (loss) carried forward14€3k€3k▲
Amounts payable17/49€24k€64k▲
Amounts payable after more than one year17€9k€29k▲
Financial debts170/4€9k€29k▲
Amounts payable within one year42/48€15k€35k▲
Current portion of amounts payable after more than one year42€7k€12k▲
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Other amounts payable47/48-€12k
Income statement
Code20242025
Non-recurring operating income76A€10k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€14k▲
Other operating charges640/8€824€729▼
Gross operating margin9900€6k€29k▲
Operating profit (loss)9901€-5k€14k▲
Financial income75/76B€424€185▼
Recurring financial income75€424€185▼
Financial charges65/66B€505€1k▲
Recurring financial charges65€505€1k▲
Profit (loss) for the period before taxes9903€-5k€13k▲
Income taxes67/77€2k-
Profit (loss) for the period9904€-7k€13k▲
Profit (loss) for the period to be appropriated9905€-7k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€15k▲
Profit (loss) brought forward from the previous period14P€10k€3k▼
Transfer from equity791/2-€16k
Transfer to equity691/2-€12k
To other reserves6921-€12k
Profit to be distributed694/7-€16k
Return on contributions (dividend)694-€16k
The notes to these accounts (8 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
01-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-7k ▼145%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Pepingen · 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.
Ziekenhuisstraat(H) 31670 PepingenGround area
6,551 m²
Building footprint
154 m²
Volume, LiDAR
446 m³
Parcel 23029A0198/00D000, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BB-CONSTRUCT
since 20222.329.156.080
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23029A0198/00D000 | Flanders | 6,551 m² | 1 · 154 m² | 7.5 m · 1 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
Ossa Bois
BE 0816.742.770
Anhée · Eq €26k
PEC CONSTRUCT
BE 0739.620.347
Brasschaat · Eq €26k
Living 4 Projects
BE 0764.804.814
Horebeke · Eq €26k
KDR BUILDING
BE 0667.707.022
Heist-op-den-Berg · Eq €26k
DALBO BUILDING
BE 0807.051.975
Heusden-Zolder · Eq €26k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,189 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.