BBSTUK
ActiveSummary
BBSTUK has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €464k and a net result of €83k. Equity is growing by ~70.4% per year across the filed fiscal years. Its solvency ranks better than 44% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-3
Solvency64▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.6 in 2024; short-term debt: 35.6% and cash: 17.1% of total assets), but 61% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
39%
Return on assets
7%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
6 d early
2023
78 d early
2022
26 d early
2021
38 d early
2020
40 d early
2019
6 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€464k▲ 21.8%
2024 · €381k
2019: €-25k
2020: €14k
2021: €54k
2022: €121k
2023: €293k
2024: €381k
2019 → 2025
Total assets
€1.19M▲ 6.4%
2024 · €1.12M
2019: €148k
2020: €135k
2021: €236k
2022: €664k
2023: €1.16M
2024: €1.12M
2019 → 2025
Net result
€83k▼ 19.6%
2024 · €103k
2019: €-20k
2020: €39k
2021: €40k
2022: €67k
2023: €171k
2024: €103k
2019 → 2025
Working capital
€306k▲ 35.0%
2024 · €227k
2019: €-37k
2020: €-9k
2021: €42k
2022: €40k
2023: €166k
2024: €227k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€121k▲ 124%€293k▲ 141%€381k▲ 30.1%€464k▲ 21.8%
Operating result€46k-€99k▲ 115%€257k▲ 159%€136k▼ 47.1%€119k▼ 12.8%
Net result€40k-€67k▲ 68.1%€171k▲ 155%€103k▼ 39.8%€83k▼ 19.6%
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 fallen two years in a row; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.19M
Fixed assets
€460k ▼ 10.7%
Current assets
€729k ▲ 21.1%
Equity and liabilities €1.19M
Equity
€464k ▲ 21.8%
Debt
€725k ▼ 1.5%
Debt's share of the balance-sheet total falls from 65.9% to 61.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€176k▼
2024 · €198k
Cash flow
€140k▼
2024 · €165k
Current ratio
1.72▲
2024 · 1.60
Quick ratio
1.39▼
2024 · 1.52
Debt to equity
1.56▼
2024 · 1.93
ROE
17.9%▼
2024 · 27.1%
ROA
7.0%▼
2024 · 9.2%
Interest coverage
6.39▲
2024 · 6.27
Debt ≤ 1 year
€423k▲
2024 · €376k
Debt > 1 year
€295k▼
2024 · €359k
Income taxes
€36k▼
2024 · €43k
Staff costs
€351k▲
2024 · €330k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 61 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.12M€1.19M▲
Fixed assets21/28€515k€460k▼
Tangible fixed assets22/27€515k€460k▼
Land and buildings22€361k€346k▼
Plant, machinery and equipment23€23k€19k▼
Furniture and vehicles24€93k€67k▼
Leasing and similar rights25€33k€23k▼
Other tangible fixed assets26€5k€4k▼
Current assets29/58€603k€729k▲
Stocks and contracts in progress3€32k€142k▲
Stocks30/36€32k€42k▲
Contracts in progress37-€100k
Amounts receivable within one year40/41€337k€379k▲
Trade receivables40€311k€349k▲
Other amounts receivable41€26k€30k▲
Cash at bank and in hand54/58€227k€203k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.12M€1.19M▲
Equity10/15€381k€464k▲
Contributions10/11€19k€19k=
Reserves13€362k€445k▲
Tax-exempt reserves132€2k€4k▲
Distributable reserves133€360k€441k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€737k€725k▼
Amounts payable after more than one year17€359k€295k▼
Financial debts170/4€359k€295k▼
Amounts payable within one year42/48€376k€423k▲
Current portion of amounts payable after more than one year42€65k€64k▼
Financial debts43€21k€20k▼
Credit institutions430/8€21k€20k▼
Trade debts44€224k€283k▲
Suppliers440/4€224k€283k▲
Taxes, remuneration and social security45€29k€46k▲
Taxes450/3€3k€10k▲
Remuneration and social security454/9€26k€36k▲
Other amounts payable47/48€37k€11k▼
Accrued charges and deferred income492/3€2k€7k▲
Income statement
Code20242025
Non-recurring operating income76A€19k€0▼
Remuneration, social security and pensions62€330k€351k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€62k€57k▼
Other operating charges640/8€6k€5k▼
Non-recurring operating charges66A€922€9k▲
Gross operating margin9900€535k€540k▲
Operating profit (loss)9901€136k€119k▼
Financial income75/76B€41k€28k▼
Recurring financial income75€41k€28k▼
Financial charges65/66B€32k€27k▼
Recurring financial charges65€32k€27k▼
Profit (loss) for the period before taxes9903€146k€119k▼
Income taxes67/77€43k€36k▼
Profit (loss) for the period9904€103k€83k▼
Transfer to tax-exempt reserves689€2k€2k▲
Profit (loss) for the period to be appropriated9905€101k€81k▼
Appropriation of the result
Profit (loss) to be appropriated9906€101k€81k▼
Transfer from equity791/2€15k€0▼
Transfer to equity691/2€101k€81k▼
To other reserves6921€101k€81k▼
Profit to be distributed694/7€15k€0▼
Return on contributions (dividend)694€15k€0▼
Social balance
Average headcount (FTE)90876.55.4▼
The notes to these accounts (20 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €171k ▲155%
Operating result €257k, net result €171k, both a record.
31-03
Financial
Equity above €200kEq €293k ▲141%
4 profitable years in a row build equity to €293k.
2022
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Equity above €100kEq €121k ▲124%
3 profitable years in a row build equity to €121k.
2021
23-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
2019
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
26-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
17-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2004
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.
Lindenlaan(BEV) 769120 Beveren-Kruibeke-ZwijndrechtGround area
1,270 m²
Building footprint
136 m²
Volume, LiDAR
902 m³
2 parcels, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Baert-Beck Stukadoorbedrijf
since 20042.136.542.091
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46503C0175/00S002 | Flanders | 734 m² | 1 · 136 m² | 9.1 m · 2 fl. |
| 46503C0757/00L004 | Flanders | 536 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 5,107 EUR awarded · 5,069 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 5,069 EUR | 5,069 EUR |
| 2024 | 1 | 38 EUR | 0 EUR |
Schemes
Individueel Maatwerk
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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CARDOSO CONSTRUCT
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CHAPIST
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Of 4,012 companies in sector 43310 we hold annual accounts for 1,745. 1,032 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-2004
Fiscal year end31-03
Activities, NACEBEL 2025
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.