BB MATERIAUX

Active

Private limited companyfounded 20223 yrs activeUyttenhovestraat 39, 1090 Jette, BelgiumKBO/BCE: BE 0791.354.902

The computed 12-month bankruptcy probability of BB MATERIAUX is 3.0% (moderate). The 2025 annual accounts show equity of €145k and a net result of €120k. Equity is growing by ~322% per year across the filed fiscal years. Its solvency ranks better than 57% of 18120 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

56 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability85▲+40

Solvency67▲+38

Growth78=

Track record94

Bankruptcy probability, 12 months

3.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days acceptable

Liquidity tight (current ratio 1.46 against 1.04 in 2024; short-term debt: 57.6% and cash: 8.1% of total assets), and 57.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

42.4%

Return on assets

35%

Age of the figures

9 mo

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 · 3 filings

Deviation from the deadline

2025

134 d early

2024

145 d late

2023

95 d late

← before the deadline after the deadline →

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 months

Position in the running window

19-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€1.80M

EBIT margin

8.6%

Net result

€120k▲ 667%

2024 · €16k

2023: €5k 2024: €16k

2023 → 2025

Working capital

€90k▲ 329%

2024 · €21k

2023: €9k 2024: €21k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Turnover€1.80M

Equity€9k-€21k▲ 124%€145k▲ 589%

Operating result€8k-€21k▲ 181%€156k▲ 638%

Net result€5k-€16k▲ 189%€120k▲ 667%

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen two years in a row; 2025 is 638% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €342k

15.9%

84.1%

Fixed assets €55k

Current assets €288k

Equity and liabilities €342k

42.4%

57.6%

Equity €145k▲ 589%

Debt €197k▼ 59.9%

The debt ratio falls from 95.9% to 57.6%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€164k

Cash flow

€129k

Solvency

42.4%▲

2024 · 4.1%

Current ratio

1.46▲

2024 · 1.04

Quick ratio

0.65▼

2024 · 0.75

Debt / equity

1.36▼

2024 · 23.37

ROE

82.7%▲

2024 · 74.3%

ROA

35.0%▲

2024 · 3.0%

Interest coverage

195.50

Debt

€197k▼

2024 · €493k

Debt ≤ 1 year

€197k▼

2024 · €493k

Income taxes

€35k▲

2024 · €5k

Staff costs

€66k

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€514k€342k▼

Fixed assets21/28-€55k

Tangible fixed assets22/27-€55k

Furniture and vehicles24-€42k

Other tangible fixed assets26-€13k

Current assets29/58€514k€288k▼

Stocks and contracts in progress3€147k€160k▲

Stocks30/36€147k€160k▲

Amounts receivable within one year40/41€326k€99k▼

Trade receivables40€322k€99k▼

Other amounts receivable41€4k-

Cash at bank and in hand54/58€41k€28k▼

Deferred charges and accrued income490/1-€1k

Equity and liabilities

Total equity and liabilities10/49€514k€342k▼

Equity10/15€21k€145k▲

Contributions10/11-€4k

Profit (loss) carried forward14€21k€141k▲

Amounts payable17/49€493k€197k▼

Amounts payable within one year42/48€493k€197k▼

Trade debts44€482k€152k▼

Suppliers440/4€482k€152k▼

Taxes, remuneration and social security45€10k€45k▲

Taxes450/3€5k€37k▲

Remuneration and social security454/9€5k€9k▲

Income statement Code20242025

Turnover70-€1.80M

Goods, raw materials, services and sundry goods60/61-€1.56M

Remuneration, social security and pensions62-€66k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€9k

Other operating charges640/8€13k€14k▲

Gross operating margin9900€34k€244k▲

Operating profit (loss)9901€21k€156k▲

Financial charges65/66B€492€841▲

Recurring financial charges65€492€841▲

Profit (loss) for the period before taxes9903€21k€155k▲

Income taxes67/77€5k€35k▲

Profit (loss) for the period9904€16k€120k▲

Profit (loss) for the period to be appropriated9905€16k€120k▲

Appropriation of the result

Profit (loss) to be appropriated9906€21k€141k▲

Profit (loss) brought forward from the previous period14P€5k€21k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

19-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2023net €120k ▲667%

Operating result €156k, net result €120k, both a record.

31-12

Financial Equity above €100kEq €145k ▲589%

3 profitable years in a row build equity to €145k.

23-12

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 145 days late

2024

03-11

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 95 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

6 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, Jette · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Uyttenhovestraat 391090 Jette

Ground area

1.4 ha

Building footprint

398 m²

Volume, LiDAR

14,689 m³

Parcel 21017D0214/00F000, Brussels · tallest building 40.7 m, ±12 floors. Linked by address, not a title deed.

1 establishment unit

BB MATERIAUX

Giervalkenlaan 10, 1170 Watermaal-BosvoordeRetail trade

since 20222.340.582.680

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21017D0214/00F000	Brussels	1.4 ha	1 · 398 m²	40.7 m · 12 fl.

Linked by address, not proof of ownership

Methodology

via establishment units: 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

Solar Shop

BE 0801.505.258

Sint-Pieters-Leeuw · Eq €145k

Algemeen Schrijnwerk De Voorhaven

BE 0421.465.295

Oostende · Eq €146k

MECANIQUE ET MOTOCULTURE

Merelbeke-Melle · Eq €144k

BATI-BA

BE 0473.580.229

Brussel · Eq €144k

Of 1,720 companies in sector 47521 we hold annual accounts for 1,288. 937 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded23-09-2022

Fiscal year end31-12

Activities, NACEBEL

47521Retail sale of hardware, building materials, paint and glass (general range)

47522Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.