BDL-Bouw
ActiveBDL-Bouw has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.01M and a net result of €166k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 7778 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
75
/ 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
Profitability81▲+4
Solvency84▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.21 in 2024; short-term debt: 27.8% and cash: 9.3% of total assets), and 41.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
58.9%
Return on assets
9.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
30 d early
2023
8 d early
2022
28 d late
2021
30 d late
2020
23 d early
2019
17 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€1.01M▲ 19.6%
2024 · €847k
2018: €304k
2019: €338k
2020: €437k
2021: €565k
2022: €639k
2023: €740k
2024: €847k
2018 → 2025
Total assets
€1.72M▲ 5.4%
2024 · €1.63M
2018: €1.08M
2019: €1.08M
2020: €1.01M
2021: €1.55M
2022: €1.50M
2023: €1.74M
2024: €1.63M
2018 → 2025
Net result
€166k▲ 55.0%
2024 · €107k
2018: €40k
2019: €33k
2020: €99k
2021: €128k
2022: €74k
2023: €101k
2024: €107k
2018 → 2025
Working capital
€200k▲ 78.4%
2024 · €112k
2018: €173k
2019: €173k
2020: €158k
2021: €219k
2022: €261k
2023: €71k
2024: €112k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€565k-€639k▲ 13.1%€740k▲ 15.8%€847k▲ 14.5%€1.01M▲ 19.6%
Operating result€159k-€99k▼ 37.8%€139k▲ 39.7%€163k▲ 17.9%€233k▲ 42.7%
Net result€128k-€74k▼ 42.2%€101k▲ 36.2%€107k▲ 6.3%€166k▲ 55.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 43% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.72M
Fixed assets
€1.04M▲ 5.1%
Current assets
€678k▲ 5.9%
Equity and liabilities €1.72M
Equity
€1.01M▲ 19.6%
Debt
€706k▼ 9.9%
The debt ratio falls from 48.1% to 41.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€448k▲
2024 · €349k
Cash flow
€381k▲
2024 · €293k
Solvency
58.9%▲
2024 · 51.9%
Current ratio
1.42▲
2024 · 1.21
Quick ratio
1.33▲
2024 · 1.14
Debt / equity
0.70▼
2024 · 0.93
ROE
16.4%▲
2024 · 12.6%
ROA
9.6%▲
2024 · 6.6%
Interest coverage
17.86▲
2024 · 16.70
Debt
€706k▼
2024 · €783k
Debt ≤ 1 year
€478k▼
2024 · €528k
Debt > 1 year
€229k▼
2024 · €256k
Income taxes
€49k▲
2024 · €44k
Staff costs
€628k▲
2024 · €530k
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€1.63M€1.72M▲
Fixed assets21/28€991k€1.04M▲
Intangible fixed assets21-€7k
Tangible fixed assets22/27€983k€1.03M▲
Land and buildings22€546k€610k▲
Plant, machinery and equipment23€97k€118k▲
Furniture and vehicles24€168k€94k▼
Leasing and similar rights25€172k€204k▲
Financial fixed assets28€8k€8k=
Current assets29/58€640k€678k▲
Amounts receivable after more than one year29€15k€5k▼
Other amounts receivable291€15k€5k▼
Stocks and contracts in progress3€40k€43k▲
Stocks30/36€10k€15k▲
Contracts in progress37€30k€28k▼
Amounts receivable within one year40/41€249k€453k▲
Trade receivables40€35k€289k▲
Other amounts receivable41€214k€163k▼
Cash at bank and in hand54/58€315k€160k▼
Deferred charges and accrued income490/1€20k€17k▼
Equity and liabilities
Total equity and liabilities10/49€1.63M€1.72M▲
Equity10/15€847k€1.01M▲
Contributions10/11€146k€146k=
Reserves13€141k€141k=
Tax-exempt reserves132€6k€6k=
Distributable reserves133€135k€135k=
Profit (loss) carried forward14€560k€726k▲
Amounts payable17/49€783k€706k▼
Amounts payable after more than one year17€256k€229k▼
Financial debts170/4€256k€229k▼
Amounts payable within one year42/48€528k€478k▼
Current portion of amounts payable after more than one year42€106k€133k▲
Financial debts43-€429
Credit institutions430/8-€429
Trade debts44€286k€237k▼
Suppliers440/4€286k€237k▼
Taxes, remuneration and social security45€27k€4k▼
Taxes450/3€226€4k▲
Remuneration and social security454/9€27k€0▼
Other amounts payable47/48€109k€102k▼
Income statement
Code20242025
Non-recurring operating income76A€0€2k▲
Remuneration, social security and pensions62€530k€628k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€186k€215k▲
Other operating charges640/8€9k€16k▲
Non-recurring operating charges66A-€8k
Gross operating margin9900€888k€1.10M▲
Operating profit (loss)9901€163k€233k▲
Financial income75/76B€9k€7k▼
Recurring financial income75€9k€7k▼
Financial charges65/66B€21k€25k▲
Recurring financial charges65€21k€25k▲
Profit (loss) for the period before taxes9903€151k€215k▲
Income taxes67/77€44k€49k▲
Profit (loss) for the period9904€107k€166k▲
Profit (loss) for the period to be appropriated9905€107k€166k▲
Appropriation of the result
Profit (loss) to be appropriated9906€600k€726k▲
Profit (loss) brought forward from the previous period14P€493k€560k▲
Transfer to equity691/2€40k€0▼
To other reserves6921€40k€0▼
Social balance
Average headcount (FTE)90878.98.8▼
The notes to these accounts (23 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €166k ▲55%
Operating result €233k, net result €166k, both a record.
31-12
Financial
Equity above €1MEq €1.01M ▲19.6%
8 profitable years in a row build equity to €1.01M.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Equity above €500kEq €565k ▲29.3%
4 profitable years in a row build equity to €565k.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €33k ▼16.1%
Net result drops to €33k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-07
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.
Directors · office · real estate
Directors
5 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, Geel · 1 establishment unit since 1989
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.
Puntstraat 492440 GeelGround area
1,072 m²
Building footprint
141 m²
Volume, LiDAR
646 m³
Parcel 13373B0265/02H002, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BERNAERTS-DE LAET
since 19892.043.692.505
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13373B0265/02H002 | Flanders | 1,072 m² | 1 · 141 m² | 6.4 m · 2 fl. |
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 · 5 entries · 11,466 EUR awarded · 11,328 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,539 EUR | 3,401 EUR |
| 2024 | 1 | 3,813 EUR | 3,813 EUR |
| 2023 | 1 | 248 EUR | 248 EUR |
| 2022 | 2 | 3,866 EUR | 3,866 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Subsidies ecologisch en veilig transport (stopgezet)
Recognitions · licences · registrations
Recognised contractor
6 categoriesBDL-Bouw BV40037
Similar companies · same sector, comparable size
Salvatore Carrelages
BE 0462.519.556
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VLOEREN FRANSSENS
BE 0874.958.212
Beernem · Eq €1.03M
CARRO-FLOOR
BE 0848.279.054
Ternat · Eq €997k
CARISEL
BE 0401.470.231
Braine-l'Alleud · Eq €986k
FALZONE CARRELAGES VERVIERS
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Verviers · Eq €1.04M
Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 684 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-1989
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.