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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe KBO register records legal situation 091 for BBC. Construction (Register: special situation); this is today's state according to the register itself, which carries no start date. The computed 12-month bankruptcy probability is 3.4% (moderate). The 2023 annual accounts show equity of €57k and a net result of €2k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 38% of 3129 sector peers (fiscal year 2023).
Based on the State Gazette, CBE and 3 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.4%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2022 and 2023).
View the result trend Growing equity
Equity grew over 2021-2023. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideAnnual accounts not filed
The financial year that closed on 30-09-2024 was due at the National Bank by 30-04-2025. Nothing is on record today, 468 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed after the deadline
The financial year that closed on 30-09-2023 was due by 30-04-2024 and was filed on 08-05-2024, 8 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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2023, that is 30-04-2024.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-09-2025 | 30-04-2026 | nothing on record | not filed | - |
| 30-09-2024 | 30-04-2025 | nothing on record | not filed | - |
| 30-09-2023 | 30-04-2024 | 08-05-2024 | 8 d late | 2024-00088342 |
| 30-09-2022 | 30-04-2023 | 08-08-2023 | 100 d late | 2023-00317925 |
| 30-09-2021 | 30-04-2022 | 02-02-2023 | 278 d late | 2023-00018934 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
1 signalRegister: special situation
The KBO register records legal situation 091 for this company. This is today's state according to the register itself; the register carries no start date.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€2k-63.6%
Working capital€52k+4.5%
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 08-05-2024 with the NBB · fiscal year 2023 · micro
Sector comparison
Fiscal year 2023 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 27.3% | 37.6% | |
| Net result | €2k | €9k | |
| Equity | €57k | €25k | |
| Gross operating margin | €178k | €27k | |
| Staff costs | €164k | €19k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P38
Weakening position over 2021-2023
· n=1124-3129
P30
Weakening position over 2021-2023
· n=1124-3122
P75
Stable position over 2021-2023
· n=1127-3134
P95
Stable position over 2021-2023
· n=1117-3116
Describes the position versus peers, not a forecast.
€10k
-5.2%
21-23
€2k
-63.6%
21-23
€4k
-37.7%
21-23
€209k
+56.0%
21-23
€57k
+3.2%
21-23
€52k
+4.5%
21-23
5
+19.5%
21-23
€164k
-8.4%
21-23
€4k
+2.5%
21-23
€152k
+93.0%
21-23
€152k
+93.0%
21-23
1.34
-17.7%
21-23
1.00
+34.1%
21-23
27.3%
-33.8%
21-23
2.66
+86.9%
21-23
3.1%
-64.7%
21-23
0.9%
-76.7%
21-23
26.93
+117.5%
21-23
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €10k |
| Net profit | €2k |
| Cash flow | €4k |
| Staff costs | €164k |
| Income taxes | €4k |
| Dividends | - |
| Total assets | €209k |
| Equity | €57k |
| Debt | €152k |
| of which ≤ 1y | €152k |
| of which > 1y | - |
| Working capital | €52k |
| Employees (FTE) | 4.9 |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 1.34 |
| Quick ratio | 1.00 |
| Working capital ratio | 24.7% |
| Solvency | 27.3% |
| Debt / equity | 2.66 |
| Long-term debt ratio | - |
| Interest coverage | 26.93 |
| Gross margin | - |
| Net margin | - |
| ROA | 0.9% |
| ROE | 3.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €209k |
| Fixed assets | 21/28 | €6k |
| Tangible fixed assets | 22/27 | €6k |
| Current assets | 29/58 | €203k |
| Stocks & contracts in progress | 3 | €51k |
| Amounts receivable within one year | 40/41 | €144k |
| Cash & bank | 54/58 | €112 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €209k |
| Equity | 10/15 | €57k |
| Contributions / capital | 10/11 | €8k |
| Accumulated profits (losses) | 14 | €49k |
| Amounts payable | 17/49 | €152k |
| Amounts payable within one year | 42/48 | €152k |
| Trade debts payable within one year | 44 | €62k |
| Income statement | ||
| Gross operating margin | 9900 | €178k |
| Operating result | 9901 | €8k |
| Financial income | 75 | €258 |
| Financial charges | 65 | €390 |
| Result before taxes | 9903 | €6k |
| Income taxes | 67/77 | €4k |
| Net result for the period | 9904 | €2k |
| Result to be appropriated | 9905 | €2k |
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2023 · computed71
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Directors
Directors & mandates
1 directorFormer directors (1)
-
Boris BERTRANDDirectorState Gazette act 26057742 (07-05-2026)Former- → 12-02-2028
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Algemene bouw van residentiële gebouwen(41001) |
| Legal form | Private limited company(610) |
| Incorporation | 09-10-2020 |
| Status | Active |
| Postal code | 5300 |
Structure & network
Locations & real estate
Registered office
on the map · from the address register
Andenne
exact location from the address register
Establishment units
1 locationBBC. Construction
since 20202.308.694.624
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area423 m²
Buildings1
Building footprint63 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92003H0040/00E003 | Wallonia | 423 m² | 1 · 63 m² | - |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals found in the Belgian State Gazette. The KBO register does record a special legal situation for this company, so do not read this as a clean bill of health.
Belgisch Staatsblad · acts
3 acts Address history · 1
23-05-2024
v3.2
All acts · 3
updated 3 months ago
2026
07-05-2026 Boris BERTRAND resigns as director
- Boris BERTRAND, Bestuurder
2024
23-05-2024 Registered office moved within ANDENNE
- Rue du Progrès 1, 5300 ANDENNE → Rue Charles Lahaye 13, 5300 ANDENNE
Summary:
v3.2
2020
13-10-2020 Incorporation of a new SRL
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes51
/ 100
Mixed profile: strong on health, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
71
Profitability
16
Solvency
50
Growth
52
Stability
64
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verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201
Primary activity highlighted.
Names & trade names
| Legal nameFR | BBC. Construction |
Registered office
Rue Charles Lahaye 13
5300 Andenne, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.