Equity
-€4,164
Debts exceed assets in financial year 2025.
BCG Construct
Overview
Lifetime
1 annual account with figurespeak -€4,164 (2025)
-€4,164
lowest -€4,164 (2025)
-€4,164
peak -€4,164 (2025)
-€4,164
€6,202
Board3 names since 2024
2 directorsBIDOUL Michaël and 1 other
Documentsfilings and deeds
18-09-202649 days late
2025micro format
Loss of €4,164First year with figures
Key points
from the 2025 annual accountsStarting capital
€3,000
Position in the sector
-204.3%
Lower solvency than 95% of companies in construction of buildings. Sector median 42.9% · 9,462 companies.
2025 accounts filed 49 days after the deadlineTurnover not published (micro format)
Checked score
28
Weak
Financially stronger than 3% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
10.2% High
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 1 in 10 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
06-2025: 3.6%lowest value
07-2025: 3.6%● unchanged vs 06-2025lowest value
08-2025: 3.7%▲ +0.1 percentage points vs 07-2025
09-2025: 4.0%▲ +0.3 percentage points vs 08-2025
10-2025: 4.2%▲ +0.2 percentage points vs 09-2025
11-2025: 4.5%▲ +0.3 percentage points vs 10-2025
12-2025: 4.5%● unchanged vs 11-2025
01-2026: 5.0%▲ +0.5 percentage points vs 12-2025
02-2026: 4.9%▼ -0.1 percentage points vs 01-2026
03-2026: 4.7%▼ -0.2 percentage points vs 02-2026
04-2026: 4.8%▲ +0.1 percentage points vs 03-2026
05-2026: 5.2%▲ +0.4 percentage points vs 04-2026
06-2026: 5.2%● unchanged vs 05-2026
07-2026: 5.2%● unchanged vs 06-2026
08-2026: 5.2%● unchanged vs 07-2026
09-2026: 5.2%● unchanged vs 08-2026
10-2026: 10.2%▲ +5.0 percentage points vs 09-2026highest value
11-2026: 10.2%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Last filed accounts filed 49 days late; 1 of the last 3 accounts late
Founded in 2024
Liquidity: current ratio 0.33
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 3% of them on solvency, 1% on liquidity and 5% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the high class on 30-06-2025, 14.6% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as BCG Construct has now. Each dot stands for 20 companies, two years later.
84.7%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BCG Construct itself: 10.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for BCG Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises risk
raises risk · 2025 accounts filed 49 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
49 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- CHARLIER Nicolas 50 sharesdeed of 05-10-2026
- BIDOUL Michaël 50 sharesdeed of 05-10-2026
Recent changes
Registered office moved from Wasseiges to Orp-Jauche
New registered office: Rue du Mont 31 à 1350 Orp-Jauche · Previous registered office: Rue du Moulin 45 à 4219 Wasseiges · CHARLIER Nicolas holds 50 shares (50%) · General meeting of 18-09-2026 · Gazette deed
Resignation: Ruben GIRAULT (director)
Director discharge: Ruben GIRAULT · General meeting of 10-01-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1009911441
Incorporation
Appointments: BIDOUL Michaël, CHARLIER Nicolas Jean-Marie Philippe and GIRAULT Ruben · 300 shares · Founder: BIDOUL Michaël · published on 04-06-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BCG Construct Orp-Jauche | €2,038 | -€4,164 | -204.3% | - |
| MTNC CONSTRUCT Kraainem | €2,125 | €125 | 98.8% | - |
| G-BLOCK ENTREPRISES Ixelles | €2,203 | -€2,562 | -50.8% | - |
| T'Jampens Construct Nazareth-De Pinte | €1,869 | -€2,756 | 86.6% | - |
| MILLENIUM TECHNOLOGY Zaventem | €2,290 | -€1,377 | 25.0% | - |
| DAVID INVEST Sint-Genesius-Rode | €2,311 | -€9,676 | -384.0% | - |
| TABYAOUI Turnhout | €2,289 | -€4,283 | -113.2% | - |
These companies have the same main activity as BCG Construct: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €1,870 and €2,310, founded in 2024.
Official details
Source: KBO- Status
- Active since 31-05-2024Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 2 others
- Establishment unit
- 2.361.830.9274219 Wasseiges, since 31-05-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Insights on BCG Construct
The computed 12-month bankruptcy probability of BCG Construct is 10.2% (high). The 2025 annual accounts show negative equity (-€4,164) and a net result of -€4,164.
Its solvency ranks better than 5% of 9,462 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 18-09-2026, 49 days late-€4,164
-€4,164
-€4,164
-€4,164
-
-
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €2,038 on 31-12-2025What the company ownsHow it is paid for
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
2,038 | |
29/58 |
2,038 | |
40/41 |
2,038 | |
40 |
1,000 | |
41 |
1,038 | |
| Balance sheet: equity and liabilities | ||
10/49 |
2,038 | |
10/15 |
-4,164 | |
14 |
-4,164 | |
17/49 |
6,202 | |
42/48 |
6,202 | |
44 |
6,202 | |
440/4 |
6,202 | |
| Income statement | ||
9900 |
-4,164 | |
9901 |
-4,164 | |
9903 |
-4,164 | |
9904 |
-4,164 | |
9905 |
-4,164 | |
| Appropriation of the result | ||
9906 |
-4,164 | |
| Document | ||
Source: Annual accounts 2025 at the NBB, filed on 18-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 49 days after the deadline. Filed on 18 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00515991.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 18-09-2026 | 2026-00515991 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| -4,164 |
The ratios are withheld because a balance sheet total of €2,038 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on BCG Construct
Equity is negative. Debt (€6,202) exceeds the balance-sheet total (€2,038).
Board & ownership
Board
2 directors, no change since 2025Director (not named in the articles)
since 31-05-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 18-09-2026
Director (not named in the articles)
since 31-05-2024
term without a fixed end
also on the board of 1 other company
listed in the 2025 annual accounts, filed on 18-09-2026
Mandates through the years
3 names, the dashed line is todayBIDOUL Michaël
Director (not named in the articles)
Director (not named in the articles)
CHARLIER Nicolas Jean-Marie Philippe
Director (not named in the articles)
Director (not named in the articles)
GIRAULT Ruben
Director (not named in the articles)
Director (not named in the articles)
BoardEarlier
Mandates as a list
- BIDOUL Michaël
- Director (not named in the articles), from 31-05-2024 to date
- CHARLIER Nicolas Jean-Marie Philippe
- Director (not named in the articles), from 31-05-2024 to date
- GIRAULT Ruben
- Director (not named in the articles), appointed by deed of 04-06-2024, until 13-01-2025
Control
Shareholders
CHARLIER Nicolas, BIDOUL Michaël
This company
BCG Construct
Equity -€4,164
Loss €4,164 in 2025
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- -€41.64 in 2025
- Source
- deed of 04-06-2024
Articles of association
deed of 04-06-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of May at 18:00
Shareholders
Stated in the deed
deed of 05-10-2026 ↗
- CHARLIER Nicolas 50 shares · 50%
- BIDOUL Michaël 50 shares · 50%
At incorporation
deed of 04-06-2024 ↗
- BIDOUL Michaël founder
- CHARLIER Nicolas Jean-Marie Philippe founder
- GIRAULT Ruben founder
Capital transactions
Capital over time
- 05-10-2026 Capital stated in the deed · 100 shares
- 04-06-2024 Incorporation · 300 shares
- 04-06-2024 Incorporation · €3,000
Network & group
No group
BCG Construct has no parent and no holdings in its annual accounts.
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
RENOLUTION
via CHARLIER Nicolas Jean-Marie Philippe · Director (not named in the articles) · deed of 23-06-2022
Founded in 2022 · total assets €78,817 (2025)
→
Timeline
Timeline
6 events since 2024Board
Filings
Establishments
Address
202420252026
2026
Registered office moved from Wasseiges to Orp-JaucheNew registered office: Rue du Mont 31 à 1350 Orp-Jauche · Previous registered office: Rue du Moulin 45 à 4219 Wasseiges · CHARLIER Nicolas holds 50 shares (50%) · General meeting of 18-09-20265 points ▸
- General meeting, 18-09-2026
- CHARLIER Nicolas holds 50 shares (50%)
- BIDOUL Michaël holds 50 shares (50%)
- 100 shares
- Registered-office move, Rue du Mont 31 à 1350 Orp-Jauche
Annual accounts 2025 filed NBBmicro format · 49 days late
Resignation: Ruben GIRAULT (director)Director discharge: Ruben GIRAULT · General meeting of 10-01-20253 points ▸
- General meeting, 10-01-2025
- Director resignation, Ruben GIRAULT
- Director discharge, Ruben GIRAULT
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1009911441
2024
IncorporationAppointments: BIDOUL Michaël, CHARLIER Nicolas Jean-Marie Philippe and GIRAULT Ruben · 300 shares · Founder: BIDOUL Michaël · published on 04-06-202410 points ▸
- 300 shares
- Founder, BIDOUL Michaël
- Founder, CHARLIER Nicolas Jean-Marie Philippe
- Founder, GIRAULT Ruben
- Founding capital, €3,000
- Registered office clause, rue du Moulin 45, 4260 Wasseiges
- Board rule, 3
- Director appointment, BIDOUL Michaël (director (not named in the articles))
- Director appointment, CHARLIER Nicolas Jean-Marie Philippe (director (not named in the articles))
- Director appointment, GIRAULT Ruben (director (not named in the articles))
- The deed holds 2 more points.
First establishment Rue du Moulin 45, Wasseiges
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 1009.911.441
- VAT number
- BE 1009.911.441
- Peppol ID
- 0208:1009911441
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 31-05-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of May at 18:00deed of 04-06-2024 (in French)
- Peppol
- Reachable since 18-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- BCG Construct in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 04-06-2024 (in French)
- Name clauseThe company operates under this name according to its articles.
- BCG Constructdeed of 04-06-2024 (in French)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
Codes under NACEBEL 2008
41201
General construction of buildings main activity
41202
Construction of residential and non-residential buildings
41203
Construction of residential and non-residential buildings
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes activités relatives à l'acquisition,la gestion,l'administration,la promotion,la construction,l'exploitation et la mise en valeur de…”deed of 04-06-2024 (in French)
13 activities
- Toutes activités relatives à l'acquisition,la gestion,l'administration,la promotion,la construction,l'exploitation et la mise en valeur de biens immobiliers par location,vente,échange,division,urbanisation,location,transformation et de toute autre manière,ainsi que l'exercice de toutes activités accessoires,de quelque nature qu'elles soient,pouvant être utiles à la réalisation effective de l'objet social
- Le conseil pour les affaires ainsi que d'autres conseils de gestion
- L'étude et la réalisation de tous travaux de construction,publics ou privés,en qualité d'entrepreneur général ou en sous-traitance,la conception et la construction de tous bâtiments et édifices,l'étude et la réalisation de décorations tant intérieures qu'extérieures,en compris les travaux de gros-œuvre
- Toutes les activités généralement étendues comme celles d’une entreprise générale de construction,toutes opérations se rapportant à la construction la rénovation et l’aménagement de Bâtiment de toutes nature,toutes activité liées à la décoration intérieur,l’importation et l’exportation de tous matériaux de construction et toutes marchandises quelles qu’elles soient,en gros ou au détail
- Toutes opérations se rapportant directement ou indirectement à l'entretien,la rénovation,la restauration,la réparation et la maintenance de tous biens immeubles
- L'entreprise de terrassement,l'entreprise de travaux de drainage,tous travaux de consolidation du sol par tous systèmes,ainsi que l'aménagement des abords
- Tous travaux de plafonnage,de cimentage,de peinture et de parachèvement,ainsi que le placement de cloisons en tout genre ainsi que de chapes
- L'entreprise d'isolation thermique et acoustique,l'installation et le placement de cloisons et faux plafonds,la pose de plâtre et de gyproc
- L'installation de tous systèmes de chauffage,de climatisation,de panneaux solaires,de pompes à chaleur,de ventilation et d'aération
- L'installation et le placement de sanitaires,d'adoucisseurs d'eau,ainsi que de câbles et de canalisations diverses,de distribution d'eau et de gaz
- Le placement de ferronneries,volets et menuiseries métalliques et plastiques,le placement de volets en bois,la construction métallique,le montage de constructions métalliques et plastiques
- Le sablage et le rejointoyage
- Toutes activités de menuiserie,charpentes,en ce compris,sans que l’énumération soit limitative : fabrication de châssis,de portes,escaliers,placards,leur placement et leur commercialisation
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue du Mont 31 registered office 1350 Orp-Jauche | ||
| Rue du Moulin 45 4219 Wasseiges | 31-05-2024 | 2.361.830.927 |
1 former office
- Rue du Moulin 45, 4219 Wasseiges until 18-09-2026 · deed of 05-10-2026
Buildings and parcels at the addresses
- Ground area
- 1,180 m²
- Buildings
- 129 m²
- Volume, LiDAR
- 1,100 m³
- Tallest building
- 10.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 64075A0226/00H000 | 607 m² | - | - |
| 25046B0226/00M000 | 574 m² | 1 · 129 m² | 10.3 m · 3 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1009.911.441