BCL CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of BCL CONSTRUCT is 2.4% (moderate). The 2025 annual accounts show negative equity (€-34k) and a net result of €-21k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 7160 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
7
/ 100
Critical▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency33▼-10
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.19 against 0.92 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-239.5%
Return on assets
-142.9%
Age of the figures
8 mo
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 →
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 · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€34k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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.
NBB · 7 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
42 d late
2022
142 d late
2021
19 d late
2020
34 d late
2019
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
08-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
Total assets
€14k▼ 80.2%
2024 · €73k
2019: €41k
2020: €96k
2021: €60k
2022: €48k
2023: €35k
2024: €73k
2019 → 2025
Net result
€-21k
2024 · €11k
2019: €6k
2020: €-3k
2021: €-27k
2022: €4k
2023: €-5k
2024: €11k
2019 → 2025
Working capital
€-35k▼ 497%
2024 · €-6k
2019: €3k
2020: €37k
2021: €1k
2022: €-525
2023: €-12k
2024: €-6k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-24k-€-20k▲ 16.3%€-25k▼ 25.2%€-14k▲ 44.3%€-34k▼ 148%
Operating result€-24k-€6k€-1k€12k€-20k
Net result€-27k-€4k€-5k€11k€-21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €20k after €12k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14k
Fixed assets
€6k▲ 29.7%
Current assets
€8k▼ 87.9%
Key figures and ratios
EBITDA
€-17k▼
2024 · €15k
Cash flow
€-18k▼
2024 · €14k
Solvency
-239.5%▼
2024 · -19.1%
Current ratio
0.19▼
2024 · 0.92
Quick ratio
0.19▼
2024 · 0.92
Debt / equity
-1.42▲
2024 · -6.22
ROE
59.7%▲
2024 · -79.5%
ROA
-142.9%▼
2024 · 15.2%
Interest coverage
-18.38▼
2024 · 10.58
Debt
€49k▼
2024 · €86k
Debt ≤ 1 year
€44k▼
2024 · €74k
Debt > 1 year
€5k▼
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€73k€14k▼
Fixed assets21/28€5k€6k▲
Intangible fixed assets21€5k€2k▼
Tangible fixed assets22/27€128€54▼
Leasing and similar rights25€128€54▼
Financial fixed assets28€3€4k▲
Current assets29/58€68k€8k▼
Amounts receivable after more than one year29€11k-
Other amounts receivable291€11k-
Amounts receivable within one year40/41€52k€8k▼
Trade receivables40€52k€8k▼
Other amounts receivable41-€253
Cash at bank and in hand54/58€4k-
Equity and liabilities
Total equity and liabilities10/49€73k€14k▼
Equity10/15€-14k€-34k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-20k€-41k▼
Amounts payable17/49€86k€49k▼
Amounts payable after more than one year17€13k€5k▼
Financial debts170/4€13k€5k▼
Amounts payable within one year42/48€74k€44k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€45k€245▼
Suppliers440/4€45k€245▼
Advances received on contracts in progress46-€15k
Taxes, remuneration and social security45€20k€13k▼
Taxes450/3€20k€13k▼
Other amounts payable47/48€79€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€387€857▲
Non-recurring operating charges66A€1k-
Gross operating margin9900€17k€-16k▼
Operating profit (loss)9901€12k€-20k▼
Financial income75/76B-€160
Recurring financial income75-€160
Financial charges65/66B€1k€932▼
Recurring financial charges65€1k€932▼
Profit (loss) for the period before taxes9903€11k€-21k▼
Profit (loss) for the period9904€11k€-21k▼
Profit (loss) for the period to be appropriated9905€11k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-41k▼
Profit (loss) brought forward from the previous period14P€-31k€-20k▲
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 142 days late
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-12
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
03-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 34 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 2.27
Current ratio from 1.13 to 2.27.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Comblain-au-Pont · 1 establishment unit since 2018
Ground area
1,377 m²
Building footprint
268 m²
Volume, LiDAR
614 m³
2 parcels, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BCL CONSTRUCT
since 20182.278.281.758
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82007E0935/00P000 | Wallonia | 921 m² | 1 · 184 m² | - |
| 62026G0427/00C000 | Wallonia | 455 m² | 1 · 84 m² | 9.4 m · 3 fl. |
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.
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SKYLAR CONSTRUCTION
BE 0738.692.513
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BCT Gros oeuvres
BE 0805.097.030
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TD CONCEPT & CO
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Of 29,523 companies in sector 41001 we hold annual accounts for 15,846. 4,437 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-08-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43110Demolition
43120Site preparation
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.