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BDA CONSTRUCT

Active Private limited companyfounded 2022active for 4 yearsRue Charles Bernier 21, 7110 La LouvièreKBO/BCE: BE 0788.829.437

Overview

Lifetime

3 annual accounts with figures on one time axis
peak €109,961 (2024)
€99,508▼ 9.5%
peak €77,407 (2024)
€57,034▼ 26.3%
peak €158,418 (2025)
€158,418▲ 56.3%
€135,651▲ 30.0%
Board1 name since 2022
1 directorBADEA Emil
Documentsfilings and deeds
05-01-202666 days late
2025micro format
Result from €77,407 to €57,034Equity from €101,384 to €158,418Debts from €104,371 to €135,651Cash from €53,467 to €80,225

Key points

from the 2025 annual accounts

Equity

€158,418 ▲ 56.3%
€101,0002024€158,0002025

Equity rose in 2025 from €101,384 to €158,418.

Filings

3 annual accounts 9 days past the deadline
deadline202320242025

2026 accounts not filed: deadline was 31-10-2026.

Position in the sector

€57,034

Higher net result than 90% of companies in construction of buildings. Sector median €8,543 · 9,442 companies.

Checked score

55
Fair
Financially stronger than 75% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.3% Moderate
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 2.7% 01-2025: 1.5%▼ -1.2 percentage points vs 12-2024 02-2025: 1.5%● unchanged vs 01-2025 03-2025: 1.5%● unchanged vs 02-2025 04-2025: 1.5%● unchanged vs 03-2025 05-2025: 1.5%● unchanged vs 04-2025 06-2025: 1.5%● unchanged vs 05-2025lowest value 07-2025: 1.5%● unchanged vs 06-2025 08-2025: 1.5%● unchanged vs 07-2025 09-2025: 1.5%● unchanged vs 08-2025 10-2025: 1.5%● unchanged vs 09-2025 11-2025: 2.2%▲ +0.7 percentage points vs 10-2025 12-2025: 2.4%▲ +0.2 percentage points vs 11-2025 01-2026: 3.2%▲ +0.8 percentage points vs 12-2025highest value 02-2026: 2.1%▼ -1.1 percentage points vs 01-2026 03-2026: 2.1%● unchanged vs 02-2026 04-2026: 1.7%▼ -0.4 percentage points vs 03-2026 05-2026: 1.7%● unchanged vs 04-2026 06-2026: 1.7%● unchanged vs 05-2026 07-2026: 1.7%● unchanged vs 06-2026 08-2026: 1.6%▼ -0.1 percentage points vs 07-2026 09-2026: 1.6%● unchanged vs 08-2026 10-2026: 1.8%▲ +0.2 percentage points vs 09-2026 11-2026: 2.3%▲ +0.5 percentage points vs 10-2026

Financial strength
Strong

79+5equity 53.9% of total assets
74=short-term debt 25.7% · cash 27.3%
93-7return on assets 19.4%

Score breakdown

raises risk
1 financial year not filed after the legal deadline; last filed accounts filed 66 days late; 2 of the last 3 accounts late
Sector: Construction of residential and non-residential buildings (NACE 41)
Founded in 2022
lowers risk
Liquidity: current ratio 2.73, cash €80,225
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 62% of them on solvency, 78% on liquidity, 78% on profitability and 81% on growth.

The bankruptcy probability was computed on 08-11-2026 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 31-03-2025.

Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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, 39,278 companies had the same profile as BDA CONSTRUCT has now. Each dot stands for 99 companies, two years later.

95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of BDA CONSTRUCT itself is higher: 2.3% within 12 months. It rests on far more data about BDA CONSTRUCT than the profile alone.

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.

The companies in ten equal groups, from the lowest to the highest expected share
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 39,278 companies, not a prediction for BDA 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

Credit of up to €8,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 2.73 (2.54 in 2024), above the usual 1.5. Short-term debt is 25.7% and cash 27.3% of total assets. 46.1% of the assets are financed with debt and provisions.

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

Five signals.
lowers riskraises risk
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 66 days late; 2 of the last 3 accounts late
NBB · filings
lowers risk · Liquidity: current ratio 2.73, cash €80,225
NBB · annual accounts
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Founded in 2022
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · 2025 accounts filed 66 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 05-01-2026, 66 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 · 3 filings
Deviation from the deadline
2026
not filed
2025
66 days late
2024
39 days late
2023
30 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 3 accounts on average 45 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2022.
KBO publications

Board and ownership

BE
Director
  • BADEA Emil 100 sharesdeed of 27-07-2022
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0788829437
Incorporation Founding capital of €1,000, 100 shares · Founder: BADEA Emil (comparant) · Appointment: BADEA Emil (director) · published on 27-07-2022 · Gazette deed
First establishment Rue Charles Bernier 21, La Louvière
All 9 events

Comparable companies

same main activity, similar in size and age
Company
BDA CONSTRUCT La Louvière €294,069 €99,508 53.9% -
Sas Design-Bâtiment Charleroi €289,178 €91,882 25.8% -
ENTREPRISE GENERALE S&F Gerpinnes €320,129 €88,472 54.5% -
ETS CARLINO B. Colfontaine €341,268 €112,350 22.7% -
CONSTRUCTIONS DUPONT Chièvres €244,425 €81,949 60.2% -
Idealre9 Linkebeek €287,981 €94,227 63.1% -
ECO-CONSTRUCTION Sint-Truiden €299,109 €94,879 34.0% -

These companies have the same main activity as BDA CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €244,000 and €341,000, founded between 2021 and 2022.

Official details

Source: KBO
Status
Active since 25-07-2022Normal situation
Activity
General construction of residential buildingsNACE 41001and 5 others
Establishment unit
2.341.314.3387110 La Louvière, since 25-07-2022
Financial year end
31 March
Peppol
Reachable since 04-01-2026
Company details

Annual accounts to 31-03-2025

€99,508▼ 9.5%
≈ €520,000estimated
€57,034▼ 26.3%
€158,418▲ 56.3%
€294,069▲ 42.9%
≈ 0 FTEestimated
Filing
Filed on 05-01-2026
Financials

Insights on BDA CONSTRUCT

BDA CONSTRUCT files the micro format. That format states no turnover. The gross margin rose from €31,194 in 2023 to €99,508 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 05-01-2026, 66 days late
€99,508
▼ 9.5%
€78,276
▼ 21.0%
€57,034
▼ 26.3%
€130,838
▲ 72.3%
53.9%
▲ 4.6 percentage points
2.73
▲ 0.20

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €520,000. Estimated: probably between €380,000 and €860,000.

Balance sheet

balance sheet total €294,069 on 31-03-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

53.9%

Higher than 61% of 9,452 companies in 2025.

2.73

Higher than 71% of 9,200 companies in 2025.

19.4%

Higher than 74% of 9,272 companies in 2025.

BDA CONSTRUCT Middle half of the sector 80% of the sector Micro accounts in construction of buildings (NACE 41)

Net result: top quarter · Equity: top quarter · Balance sheet total: top quarter · Working capital: top quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023
Balance sheet: assets
20/58 294,069205,75642,292
21/28 87,77280,4757,868
22/27 87,77280,4757,868
24 87,77280,4757,868
29/58 206,297125,28034,424
40/41 126,07271,81321,790
40 26,62219,11816,627
41 99,45052,6945,163
54/58 80,22553,46712,635
Balance sheet: equity and liabilities
10/49 294,069205,75642,292
10/15 158,418101,38423,977
10/11 1,0001,0001,000
14 157,418100,38422,977
17/49 135,651104,37118,315
17 60,19255,013-
170/4 60,19255,013-
42/48 75,45949,35818,315
42 19,49612,684-
44 15,74514,30010,656
440/4 15,74514,30010,656
45 40,21822,3747,659
450/3 40,21822,3747,659
Income statement
9900 99,508109,96131,194
62 204355-
630 20,2955,985131
640/8 7344,558521
9901 78,27699,06330,542
75/76B 161,621101
75 161,621101
65/66B 3,4148406
65 3,4148406
9903 74,87899,84430,636
67/77 17,84422,4377,659
9904 57,03477,40722,977
9905 57,03477,40722,977
Appropriation of the result
9906 157,418100,38422,977
14P 100,38422,977-
Document PDFPDFPDF

The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 05-01-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 66 days after the deadline. Filed on 5 January 2026, deadline 31 October 2025 (7 months after the close on 31 March 2025, Companies Code art. 3:10). Source: NBB, 2026-00005357.

Financial year Type Filed Reference Document
31-03-2025 micro format 05-01-2026 2026-00005357 PDF
31-03-2024 micro format 09-12-2024 2024-00613381 PDF
31-03-2023 micro format 30-11-2023 2023-00520746 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023
98,571105,04830,673
77,32883,39223,109
27,59178,5937,999
26,75840,833-
130,83875,92216,110
53.9%49.3%56.7%
2.732.541.88
0.861.030.76
36.0%76.3%95.8%
19.4%37.6%54.3%
28.87over 100over 100

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.

Investments

fixed assets acquired
Item31-03-202531-03-202431-03-2023
Tangible fixed assets€27,591€78,593€7,999
€20,295€5,985€131

Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)

Insights on BDA CONSTRUCT

The operating result for 2025 is 21% lower than in 2024.

Debt's share of the balance-sheet total falls from 50.7% to 46.1%. Equity and debt are higher.

Board & ownership

Board

1 director, since incorporation
Director (not named in the articles)
appointed by deed of 27-07-2022 term without a fixed end
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Article 12. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”
deed of 27-07-2022

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
BADEA Emil
Director (not named in the articles)
Board
Mandates as a list
  • BADEA Emil
    • Director (not named in the articles), appointed by deed of 27-07-2022, still in office

See the board, name and registered office on a given date →

Control

Founder
This company
BDA CONSTRUCT
Equity €158,418
Profit €57,034 in 2025

Capital

Contribution
€1,000
Shares
100
Contribution per share
€10
Equity per share
€1,584 in 2025
Source
deed of 27-07-2022

Articles of association

deed of 27-07-2022 (in French)
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Monday of September at 18:00
Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor

Shareholders

At incorporation deed of 27-07-2022 ↗

Network & group

No group

BDA CONSTRUCT has no parent and no holdings in its annual accounts. BADEA Emil is the only director. BDA CONSTRUCT shares no director with another company.

Timeline

Timeline

9 events since 2022
2026
Annual accounts 2025 filed PDFmicro format · 66 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0788829437
2025
Equity above €150,000 equity €158,418 ▲56.3% With a profit in every financial year since 2023, equity grows to €158,418.
2024
Annual accounts 2024 filed PDFmicro format · 39 days late
Highest result from 2023 to 2025 net €77,407 ▲237% The operating result of €99,063 and the net result of €77,407 are both a record.
Equity above €100,000 equity €101,384 ▲323% With a profit in every financial year since 2023, equity grows to €101,384.
2023
Annual accounts 2023 filed PDFmicro format · 30 days late
2022
IncorporationFounding capital of €1,000, 100 shares · Founder: BADEA Emil (comparant) · Appointment: BADEA Emil (director) · published on 27-07-20225 points ▸
  • Founder, BADEA Emil (comparant)
  • Founding capital, €1,000, 100 shares
  • BADEA Emil holds all the shares
  • Registered office clause, rue Charles Bernier 21, 7110 Maurage
  • Director appointment, BADEA Emil (director (not named in the articles))
  • The deed holds 4 more points.

Open the deed in the Belgian Official Gazette

First establishment Rue Charles Bernier 21, La Louvière

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 25 July 2022, BDA CONSTRUCT was incorporated as a private limited company by one natural person, with a starting capital of €1,000.12 BADEA Emil is director of the company, appointed by deed of 27-07-2022.2 Total assets went from €42,292 in 2023 to €294,069 in 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 27-07-2022
  3. 3National Bank, annual accounts 2023 and 2025

Company details

Identity

Enterprise number
0788.829.437
VAT number
BE 0788.829.437
Peppol ID
0208:0788829437
Other Peppol ID
9925:BE0788829437
Legal form
Private limited company
Status
Active, normal situation
Founded
25-07-2022
Financial year
ends on 31 March
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Monday of September at 18:00
deed of 27-07-2022 (in French)
Peppol
Reachable since 04-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
BDA CONSTRUCT in French
Entity type
Legal entity

Activities

NACEBEL 2025
Codes under NACEBEL 2008
41201 General construction of buildings main activity
43299 Specialised construction activities
43999 Specialised construction activities
71113 Architectural and engineering activities; technical testing and analysis
81290 Services to buildings and landscape activities
82990 Other business support services
PurposeThe purpose describes the activities the company may carry out under its articles.
“L’entreprise générale du bâtiment,tout activité en construction,maçonnerie,rénovation,menuiserie,peinture,électricité,travaux de…”
44 activities
  1. L’entreprise générale du bâtiment,tout activité en construction,maçonnerie,rénovation,menuiserie,peinture,électricité,travaux de toiture,pose de chapes de tout type,travaux de carrelage et placement de cloisons en gyproc
  2. Toutes opérations se rapportant directement ou indirectement à l’entretien,la rénovation,les travaux de réparations,d’embellissements,de renouvellement et de modernisation,et la maintenance de tous les types d’ouvrages d’art,de biens immeubles,et plus généralement toutes opérations se rapportant directement ou indirectement aux secteurs des travaux publics et privés et du bâtiment
  3. Réalisation de décorations tant intérieures qu’extérieures
  4. Placement,installation et réparation de tout chauffage tant d’immeuble privé que professionnel,ainsi que les travaux de plomberie sanitaire
  5. Toute activité se rapportant à l'entreprise de jardins et d'une manière générale toute activité en rapport avec la jardinerie,l'agriculture et l’horticulture
  6. La préparation,la rédaction et la conclusion en tant que mandataire ou pour compte propre,de tous marchés de travaux publics ou privés ou de fourniture et faite toutes opérations se rattachant à ces objets
  7. Librairie
  8. Entreprise de courrier express
  9. Tous snacks bars,pizzeria,brasseries,salon de consommation,hôtels,restaurants,tavernes,cafés,discothèques,buffets,vestiaires pour publics,locations de places,salles d’organisation,de banquet et service traiteur
  10. Garage auto ainsi que la réalisation d’un commerce de voitures d’occasion y compris la location des voitures
  11. Entreprise de réparation de véhicules,automobiles,la réparation des parties mécaniques et électriques
  12. D’un salon de coiffure
  13. Entreprise de design
  14. Entreprise de garde et sécurité
  15. Faire tout ce qui est utile ou nécessaire à l'accomplissement de son objet social
  16. Acquérir,créer,louer,donner en location,exploiter et vendre tous immeubles,usines,carrières,magasins,établissements,matériels,moteurs et machines qu'elle jugera nécessaire ou utiles à la réalisation de son objet social
  17. Acheter,prendre,mettre en valeur,exploiter ou céder,tous brevets d'inventions,licences,procédés et secrets de fabrication ainsi que toutes marques de fabriques
  18. Réaliser toutes opérations généralement quelconques,commerciales,industrielles,financières,mobilières ou immobilières,ayant un rapport direct ou indirect avec son objet social ou de nature à en favoriser la réalisation et le développement
  19. S'intéresser par voie d'association,d'apport,de fusion,d'intervention financière ou autrement dans toutes sociétés,associations ou entreprises dont l'objet est identique,analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés
  20. Exercer la ou les fonctions d'administrateur,de gérant ou de liquidateur
  21. Pleine capacité juridique pour accomplir tous les actes et opérations ayant un rapport direct ou indirect avec son objet social ou qui seraient de nature à faciliter directement ou indirectement,entièrement ou partiellement,la réalisation de cet objet
  22. Nettoyage et l’entretien d’immeubles professionnels ou privé,le nettoyage de vitres et de bureaux
  23. Travaux de secrétariat,de bureau et travaux administratifs
  24. Soutien de bureau,conseil
  25. Transport de marchandises et de personnes
  26. Le commerce au détail de véhicules automobiles pour le transport de personnes y compris les véhicules automobiles spécialisés (ambulances)
  27. Services ménagers dans le système des titres services (nettoyage à domicile,lessive,repassage,petits travaux de couture,préparation des repas,services de courses ménagères)
  28. La fabrication de meubles
  29. Garderie d’enfants
  30. L’informatique en général : l’élaboration et la conception de logiciel,la vente et l’achat de matériel informatique et de bureau,ainsi que de consommables de bureau,l’étude de projets informatiques au sens large,et tout ce qui se rapporte directement ou indirectement à l’informatique,la consultance,la formation,la commercialisation des services et de produits,la maintenance hardware et software
  31. L’achat et la vente ainsi que la gestion de tout bien immobilier en vue d’une gestion patrimoniale
  32. Tous matériaux,marchandises,appareils et outillages nécessaires aux travaux de construction,d’entretien,de maintenance,de réparation et de renouvellement des ouvrages d’art et bâtiments
  33. Tous matériel électrique et électronique,sanitaire et plomberie
  34. Tous produits alimentaires tels que fruits,légumes,conserves,produits laitiers,produits de la mer,poissons,boucherie,articles de ménage et article cadeaux
  35. Vidéothèque,location de produits de divertissements,films et tous autres produits assimilés
  36. Tous textiles en général,vêtements divers,chaussures,cordonnerie,serrurerie,maroquinerie dans le sens le plus large
  37. Tous produits de l’artisanat en général,tapisserie,y compris les articles du tiers-monde,des meubles
  38. Tous les articles de parfumerie,de toilette,cosmétiques,produits de beauté,maquillage,ainsi que savons et détergents
  39. Tous les articles d’horticulture tels que fleurs,plantes,articles de jardinage,aménagement et entretien de jardins et de pépinières
  40. Tous livres,antiquités,brocantes,objets de décoration,machines industrielles
  41. Tous appareils électroménagers,tous films de bandes magnétiques,cassettes,tous articles imprimés ou enregistrés permettant leur lecture,vision ou audition
  42. Tous matériels de bureau et d’informatique
  43. Tous matériaux de bureau et de l’informatique,téléphones,Gsm,fax
  44. Tous véhicules neufs et d’occasion,ainsi que leurs pièces détachées
deed of 27-07-2022 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Rue Charles Bernier 21 registered office 7110 La Louvière 22240 Manufacture of rubber and plastic products 25-07-2022 2.341.314.338

Buildings and parcels at the address

Ground area
344 m²
Buildings
50 m²
Volume, LiDAR
338 m³
Tallest building
8.5 m
Buildings to scale, each on its own parcel
50 m², 8.5 m 50 m², 8.5 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
55026A0156/00E009344 m² 1 · 50 m² 8.5 m · 2

Contact

E-mail emmyl_badea206@yahoo.com establishment in La Louvière
Phone +32 488 45 63 81 establishment in La Louvière

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 0788.829.437