BC-CONSTRUCT MONTAGE
ActiveSummary
The computed 12-month bankruptcy probability of BC-CONSTRUCT MONTAGE is 1.9% (moderate). The 2025 annual accounts show equity of €241k and a net result of €61k. Equity is growing by ~33.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 2179 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
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+1
Solvency94▲+16
Growth52=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 4.81 against 3.64 in 2024; short-term debt: 14.5% and cash: 59.7% of total assets), and 30.8% of the assets are financed with debt.
Credit advice 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 · 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
69.2%
Return on assets
17.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
4 d early
2023
2 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€241k▲ 33.9%
2024 · €180k
2023: €121k
2024: €180k
2023 → 2025
Total assets
€349k▲ 2.8%
2024 · €339k
2023: €430k
2024: €339k
2023 → 2025
Net result
€61k▲ 3.7%
2024 · €59k
2023: €116k
2024: €59k
2023 → 2025
Working capital
€192k▲ 29.3%
2024 · €149k
2023: €92k
2024: €149k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€121k-€180k▲ 48.5%€241k▲ 33.9%
Operating result€172k-€86k▼ 49.8%€82k▼ 4.4%
Net result€116k-€59k▼ 49.4%€61k▲ 3.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 4% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €349k
Fixed assets
€106k ▼ 21.0%
Current assets
€243k ▲ 18.4%
Equity and liabilities €349k
Equity
€241k ▲ 33.9%
Debt
€108k ▼ 32.4%
Debt's share of the balance-sheet total falls from 46.9% to 30.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€130k▼
2024 · €131k
Cash flow
€109k▲
2024 · €104k
Current ratio
4.81▲
2024 · 3.64
Debt to equity
0.45▼
2024 · 0.88
ROE
25.3%▼
2024 · 32.7%
ROA
17.5%▲
2024 · 17.3%
Interest coverage
22.69▲
2024 · 12.63
Debt ≤ 1 year
€50k▼
2024 · €56k
Debt > 1 year
€57k▼
2024 · €103k
Income taxes
€16k▼
2024 · €22k
Staff costs
€77k▲
2024 · €56k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€339k€349k▲
Fixed assets21/28€134k€106k▼
Tangible fixed assets22/27€132k€104k▼
Plant, machinery and equipment23€12k€8k▼
Furniture and vehicles24€121k€96k▼
Financial fixed assets28€2k€2k=
Current assets29/58€205k€243k▲
Amounts receivable within one year40/41€23k€29k▲
Trade receivables40€20k€21k▲
Other amounts receivable41€4k€8k▲
Cash at bank and in hand54/58€176k€208k▲
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€339k€349k▲
Equity10/15€180k€241k▲
Contributions10/11€5k€5k=
Reserves13€175k€236k▲
Distributable reserves133€175k€236k▲
Amounts payable17/49€159k€108k▼
Amounts payable after more than one year17€103k€57k▼
Financial debts170/4€103k€57k▼
Amounts payable within one year42/48€56k€50k▼
Current portion of amounts payable after more than one year42€46k€46k=
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€653-
Taxes450/3€653-
Other amounts payable47/48€4k-
Income statement
Code20242025
Remuneration, social security and pensions62€56k€77k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€48k▲
Other operating charges640/8€22€770▲
Gross operating margin9900€187k€208k▲
Operating profit (loss)9901€86k€82k▼
Financial income75/76B€5k-
Recurring financial income75€5k-
Financial charges65/66B€10k€6k▼
Recurring financial charges65€10k€6k▼
Profit (loss) for the period before taxes9903€81k€77k▼
Income taxes67/77€22k€16k▼
Profit (loss) for the period9904€59k€61k▲
Profit (loss) for the period to be appropriated9905€59k€61k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€61k▲
Transfer to equity691/2€59k€61k▲
To the legal reserve6920-€61k
To other reserves6921€59k-
Social balance
Average headcount (FTE)90871.01.3▲
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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Equity above €200kEq €241k ▲33.9%
3 profitable years in a row build equity to €241k.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet €59k ▼49.4%
Net result drops to €59k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 3.64
Current ratio from 1.57 to 3.64; short-term debt falls from €161k to €56k.
30-06
Financial
Equity above €150kEq €180k ▲48.5%
2 profitable years in a row build equity to €180k.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Lokeren · 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.
Beertenstraat 39160 LokerenGround 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.
1 establishment unit
BC-CONSTRUCT MONTAGE
since 20222.331.790.819
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
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 628 EUR awarded · 262 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 196 EUR | 0 EUR |
| 2024 | 1 | 295 EUR | 125 EUR |
| 2022 | 1 | 137 EUR | 137 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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BE 0863.508.252
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BE 0538.776.107
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TML Solutions
BE 0764.790.956
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B IMMO & PARTNERS
BE 0879.957.769
Farciennes · Eq €240,980
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 11,611 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
Founded24-05-2022
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
43221Plumbing work
43310Plastering work
43320Joinery installation
43332Laying of wooden floor and wall coverings
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.