BC-Construct
ActiveSummary
BC-Construct has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.2m and a net result of €265,977. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 54% of 2213 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▲+1
Solvency66▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85,000 at 30 days acceptable
Liquidity ample (current ratio 1.79 against 1.63 in 2024; short-term debt: 53.4% and cash: 23.1% of total assets), but 58.6% of the assets are financed with debt.
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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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
41.4%
Return on assets
9.1%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
8 d early
2023
1 d early
2022
2 d early
2021
2 d early
2020
on the day
2019
on the day
← 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 2 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€1.2m▲ 12.0%
2024 · €1.1m
Total assets
€2.9m▼ 5.8%
2024 · €3.1m
Net result
€265,977▲ 2.1%
2024 · €260,426
Working capital
€1.2m▲ 7.7%
2024 · €1.2m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€249,660▲ 65.1%€384,944▲ 54.2%€354,695▼ 7.9%€326,529▼ 7.9%€367,402▲ 12.5%
Net result€168,931▲ 72.9%€253,824▲ 50.3%€227,640▼ 10.3%€260,426▲ 14.4%€265,977▲ 2.1%
Equity€595,580▲ 3.3%€807,528▲ 35.6%€1.0m▲ 28.0%€1.1m▲ 4.9%€1.2m▲ 12.0%
Total assets€2.0m▲ 54.3%€3.6m▲ 85.0%€2.9m▼ 20.5%€3.1m▲ 8.2%€2.9m▼ 5.8%
Debt€1.3m▲ 89.6%€2.7m▲ 106%€1.7m▼ 38.3%€1.8m▲ 9.4%€1.6m▼ 11.6%
Working capital€568,816▲ 13.1%€771,148▲ 35.6%€1.1m▲ 44.9%€1.2m▲ 3.0%€1.2m▲ 7.7%
Staff (FTE)7.3▲ 17.7%10.5▲ 43.8%10.7▲ 1.9%10.6▼ 0.9%10.3▼ 2.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Why a figure moved sharply
- 2022 Total assets +85% on 2021. Cause not known from the registers.
- 2021 Total assets +54% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.9m
Fixed assets
€126,936 ▼ 9.2%
Current assets
€2.8m ▼ 5.6%
Equity and liabilities €2.9m
Equity
€1.2m ▲ 12.0%
Provisions
€108,947 ▼ 47.3%
Debt
€1.6m ▼ 11.6%
Debt's share of the balance-sheet total falls from 58.5% to 54.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€435,002▲
2024 · €391,850
Cash flow
€333,577▲
2024 · €325,748
Current ratio
1.79▲
2024 · 1.63
Quick ratio
1.29▼
2024 · 1.38
Debt to equity
1.33▼
2024 · 1.68
ROE
21.9%▼
2024 · 24.0%
ROA
9.1%▲
2024 · 8.4%
Interest coverage
34.59▲
2024 · 28.39
Debt ≤ 1 year
€1.6m▼
2024 · €1.8m
Income taxes
€129,596▲
2024 · €128,878
Staff costs
€790,820▼
2024 · €820,844
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,792 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a higher bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,792 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €620 | - | - | €413 | €165 | ▼ 60.0% |
| Remuneration, social security and pensions62 | €453,740 | €670,122 | €772,878 | €820,844 | €790,820 | ▼ 3.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €45,056 | €45,159 | €61,071 | €65,321 | €67,600 | ▲ 3.5% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €50,000 | €60,200 | €67,538 | €28,806 | -€97,596 | ▼ 439% |
| Other operating charges640/8 | €767 | €1,822 | €5,094 | €1,699 | €836 | ▼ 50.8% |
| Non-recurring operating charges66A | - | - | €648 | - | - | - |
| Gross operating margin9900 | €799,223 | €1.2m | €1.3m | €1.2m | €1.1m | ▼ 9.2% |
| Operating profit (loss)9901 | €249,660 | €384,944 | €354,695 | €326,529 | €367,402 | ▲ 12.5% |
| Financial income75/76B | €0 | €713 | €11,485 | €76,577 | €40,748 | ▼ 46.8% |
| Recurring financial income75 | €0 | €713 | €11,485 | €76,577 | €40,748 | ▼ 46.8% |
| Financial charges65/66B | €4,545 | €8,015 | €11,656 | €13,801 | €12,577 | ▼ 8.9% |
| Recurring financial charges65 | €4,545 | €8,015 | €11,656 | €13,801 | €12,577 | ▼ 8.9% |
| Profit (loss) for the period before taxes9903 | €245,116 | €377,643 | €354,523 | €389,304 | €395,573 | ▲ 1.6% |
| Income taxes67/77 | €76,185 | €123,818 | €126,884 | €128,878 | €129,596 | ▲ 0.6% |
| Profit (loss) for the period9904 | €168,931 | €253,824 | €227,640 | €260,426 | €265,977 | ▲ 2.1% |
| Profit (loss) for the period to be appropriated9905 | €168,931 | €253,824 | €227,640 | €260,426 | €265,977 | ▲ 2.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.0m | €3.6m | €2.9m | €3.1m | €2.9m | ▼ 5.8% |
| Fixed assets21/28 | €126,028 | €179,769 | €173,008 | €139,783 | €126,936 | ▼ 9.2% |
| Intangible fixed assets21 | €3,939 | €1,552 | €15,856 | €8,595 | €1,333 | ▼ 84.5% |
| Tangible fixed assets22/27 | €121,968 | €178,097 | €157,031 | €131,068 | €125,484 | ▼ 4.3% |
| Plant, machinery and equipment23 | €24,033 | €63,764 | €51,675 | €34,127 | €31,390 | ▼ 8.0% |
| Furniture and vehicles24 | €67,952 | €92,221 | €91,123 | €89,939 | €93,113 | ▲ 3.5% |
| Other tangible fixed assets26 | €29,984 | €22,112 | €14,233 | €7,002 | €980 | ▼ 86.0% |
| Financial fixed assets28 | €120 | €120 | €120 | €120 | €120 | = |
| Current assets29/58 | €1.8m | €3.4m | €2.7m | €3.0m | €2.8m | ▼ 5.6% |
| Stocks and contracts in progress3 | €935,031 | €858,149 | €546,653 | €463,032 | €779,503 | ▲ 68.3% |
| Stocks30/36 | €29,500 | €32,740 | €29,500 | €35,750 | €42,250 | ▲ 18.2% |
| Contracts in progress37 | €905,531 | €825,409 | €517,153 | €427,282 | €737,253 | ▲ 72.5% |
| Amounts receivable within one year40/41 | €687,808 | €1.8m | €997,736 | €1.3m | €1.2m | ▼ 9.2% |
| Trade receivables40 | €582,468 | €1.6m | €867,282 | €951,860 | €1.0m | ▲ 7.9% |
| Other amounts receivable41 | €105,341 | €175,387 | €130,454 | €374,596 | €177,696 | ▼ 52.6% |
| Current investments50/53 | €50,000 | €110,200 | €577,488 | €206,544 | €108,947 | ▼ 47.3% |
| Cash at bank and in hand54/58 | €146,225 | €611,425 | €565,028 | €956,210 | €677,363 | ▼ 29.2% |
| Deferred charges and accrued income490/1 | €10,423 | €94,671 | €16,768 | €20,995 | €36,333 | ▲ 73.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.0m | €3.6m | €2.9m | €3.1m | €2.9m | ▼ 5.8% |
| Equity10/15 | €595,580 | €807,528 | €1.0m | €1.1m | €1.2m | ▲ 12.0% |
| Contributions10/11 | €40,000 | €40,000 | €40,000 | €40,000 | €40,000 | = |
| Reserves13 | €555,580 | €767,528 | €993,568 | €1.0m | €1.2m | ▲ 12.5% |
| Non-distributable reserves130/1 | €4,000 | €4,000 | - | - | - | - |
| Reserves not available under the articles1311 | €4,000 | €4,000 | - | - | - | - |
| Distributable reserves133 | €551,580 | €763,528 | €993,568 | €1.0m | €1.2m | ▲ 12.5% |
| Provisions and deferred taxes16 | €50,000 | €110,200 | €177,738 | €206,544 | €108,947 | ▼ 47.3% |
| Provisions for liabilities and charges160/5 | €50,000 | €110,200 | €177,738 | - | €108,947 | - |
| Environmental obligations163 | - | €110,200 | €177,738 | - | €108,947 | - |
| Other liabilities and charges164/5 | €50,000 | - | - | - | - | - |
| Deferred taxes168 | - | - | - | €206,544 | - | - |
| Amounts payable17/49 | €1.3m | €2.7m | €1.7m | €1.8m | €1.6m | ▼ 11.6% |
| Amounts payable after more than one year17 | €49,263 | €33,190 | €16,953 | - | - | - |
| Financial debts170/4 | €49,263 | €33,190 | €16,953 | - | - | - |
| Amounts payable within one year42/48 | €1.3m | €2.7m | €1.6m | €1.8m | €1.6m | ▼ 14.0% |
| Current portion of amounts payable after more than one year42 | €15,912 | €16,074 | €16,237 | €16,953 | €552 | ▼ 96.7% |
| Trade debts44 | €1.0m | €2.4m | €1.4m | €1.4m | €1.1m | ▼ 24.1% |
| Suppliers440/4 | €1.0m | €2.4m | €1.4m | €1.4m | €1.1m | ▼ 24.1% |
| Taxes, remuneration and social security45 | €35,690 | €44,367 | €52,298 | €81,001 | €73,338 | ▼ 9.5% |
| Taxes450/3 | €864 | €7,755 | €8,655 | €11,680 | €8,106 | ▼ 30.6% |
| Remuneration and social security454/9 | €34,826 | €36,612 | €43,643 | €69,321 | €65,231 | ▼ 5.9% |
| Other amounts payable47/48 | €168,350 | €200,594 | €154,007 | €287,292 | €402,258 | ▲ 40.0% |
| Accrued charges and deferred income492/3 | - | - | €62,475 | - | €43,067 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €168,931 | €253,824 | €227,640 | €260,426 | €265,977 | ▲ 2.1% |
| + Depreciation and write-downs630 | €45,056 | €45,159 | €61,071 | €65,321 | €67,600 | ▲ 3.5% |
| Operating cash flow (approximation) | €213,987 | €298,983 | €288,710 | €325,748 | €333,577 | ▲ 2.4% |
| Investment in fixed assets (approximation) | - | -€98,900 | -€54,309 | -€32,096 | -€54,753 | ▼ 70.6% |
| Change in cash | - | €465,200 | -€46,397 | €391,183 | -€278,847 | ▼ 171% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €265,977 ▲2.1%
Net result €265,977, the highest in the series.
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €1mEq €1.0m ▲28%
6 profitable years in a row build equity to €1.0m.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €500,000Eq €576,309 ▲20%
3 profitable years in a row build equity to €576,309.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-03
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Lokeren · 1 establishment unit since 2018
Ground area
2,114 m²
Building footprint
974 m²
Volume, LiDAR
1 m³
Parcel 46014A0243/00G002, Flanders · tallest building 0.4 m. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BC-CONSTRUCT
since 20182.277.676.695
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46014A0243/00G002 | Flanders | 2,114 m² | 1 · 974 m² | 0.4 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
2022 to 2025 · 5 entries · 6,476 EUR awarded · 6,280 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,921 EUR | 1,725 EUR |
| 2024 | 1 | 1,552 EUR | 1,552 EUR |
| 2023 | 2 | 2,601 EUR | 2,601 EUR |
| 2022 | 1 | 402 EUR | 402 EUR |
Recognitions · licences · registrations
Recognised contractor
3 categoriesBC-Construct BV45802
Legal Entity Identifier
549300XYI6EHLFQ97V41
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,042. 5,686 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-01-2013
Fiscal year end30-09
Activities, NACEBEL 2025
41001General construction of residential buildings
68122Development of non-residential building projects
Contact
E-mail
cindy@bc-construct.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0502380420
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.