Turnover
≈ €420,000 estimated
The micro format states no turnover.
BDS EXPERT CONSTRUCT
Overview
Lifetime
1 annual account with figurespeak €79,822 (2025)
€79,822
peak €57,841 (2025)
€57,841
peak €59,841 (2025)
€59,841
€55,479
Board1 name since 2024
1 directorARMAS Marius Andrei
Documentsfilings and deeds
10-07-202621 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsStarting capital
€2,000
Position in the sector
€57,841
Higher net result than 90% of companies in construction of buildings. Sector median €8,543 · 9,442 companies.
Checked score
52
Fair
Financially stronger than 62% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.8% 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 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 3.6%
02-2026: 3.7%▲ +0.1 percentage points vs 01-2026
03-2026: 3.8%▲ +0.1 percentage points vs 02-2026
04-2026: 4.2%▲ +0.4 percentage points vs 03-2026
05-2026: 4.2%● unchanged vs 04-2026
06-2026: 4.6%▲ +0.4 percentage points vs 05-2026
07-2026: 5.0%▲ +0.4 percentage points vs 06-2026highest value
08-2026: 2.7%▼ -2.3 percentage points vs 07-2026
09-2026: 2.7%● unchanged vs 08-2026
10-2026: 2.7%● unchanged vs 09-2026lowest value
11-2026: 2.8%▲ +0.1 percentage points vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Size: total assets €115,319
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Equity €59,841 (51.9% of total assets)
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 60% of them on solvency, 34% on liquidity and 91% on profitability.
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 31-12-2025.
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, 11,279 companies had the same profile as BDS EXPERT CONSTRUCT has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
The bankruptcy probability of BDS EXPERT CONSTRUCT itself is higher: 2.8% within 12 months. It rests on far more data about BDS EXPERT 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.
| 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 11,279 companies, not a prediction for BDS EXPERT 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 €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.9, above the usual 1.5. Short-term debt is 48.1% and cash 9.2% of total assets. 48.1% 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 riskneutral
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 10-07-2026, 21 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
21 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1017035892
Incorporation
Founding capital of €2,000 · Founder: ARMAS Marius Andrei · Appointment: ARMAS Marius Andrei (sole director) · published on 10-12-2024 · Gazette deed
First establishment
Heirweg 52, Maaseik
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BDS EXPERT CONSTRUCT Bree | €115,319 | €79,822 | 51.9% | - |
| I.R.R. Antwerp | €108,467 | €87,365 | 32.2% | - |
| TERRASSEMENT 692 Sint-Pieters-Leeuw | €114,506 | €84,857 | 38.4% | - |
| NEBO Aalter | €117,211 | €75,855 | 49.6% | - |
| WOJTAS Entreprise Evere | €117,298 | €70,107 | 55.8% | - |
| VEV Lokeren | €110,211 | €78,522 | 3.7% | - |
| VAN TORRE STEEL Moorslede | €105,867 | €87,056 | 75.0% | - |
These companies have the same main activity as BDS EXPERT CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €106,000 and €117,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 05-12-2024Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 5 others
- Establishment unit
- 2.366.942.3323680 Maaseik, since 05-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 27-01-2026
Annual accounts 2025
- €79,822
- €57,841
- €59,841
- €115,319
- Filing
- Filed on 10-07-2026, 21 days before the end of the filing period
Insights on BDS EXPERT CONSTRUCT
The computed 12-month bankruptcy probability of BDS EXPERT CONSTRUCT is 2.8% (moderate). The 2025 annual accounts show equity of €59,841 and a net result of €57,841.
Its solvency ranks better than 59% of 9,452 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 10-07-2026, 21 days before the deadline€79,822
€76,128
€57,841
€49,822
51.9%
1.90
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 ≈ €420,000. Estimated: probably between €300,000 and €690,000.
Balance sheet
balance sheet total €115,319 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
51.9%
Higher than 59% of 9,452 companies in 2025.
1.90
Higher than 55% of 9,200 companies in 2025.
50.2%
Higher than 94% of 9,272 companies in 2025.
BDS EXPERT CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
115,319 | |
21/28 |
10,019 | |
22/27 |
8,119 | |
24 |
8,119 | |
28 |
1,900 | |
29/58 |
105,301 | |
40/41 |
81,498 | |
40 |
54,899 | |
41 |
26,599 | |
54/58 |
10,651 | |
490/1 |
13,152 | |
| Balance sheet: equity and liabilities | ||
10/49 |
115,319 | |
10/15 |
59,841 | |
10/11 |
2,000 | |
14 |
57,841 | |
17/49 |
55,479 | |
42/48 |
55,479 | |
44 |
189 | |
440/4 |
189 | |
45 |
55,289 | |
450/3 |
18,228 | |
454/9 |
37,062 | |
| Income statement | ||
9900 |
79,822 | |
630 |
3,381 | |
640/8 |
313 | |
9901 |
76,128 | |
75/76B |
2 | |
75 |
2 | |
65/66B |
61 | |
65 |
61 | |
9903 |
76,069 | |
67/77 |
18,228 | |
9904 |
57,841 | |
9905 |
57,841 | |
| Appropriation of the result | ||
9906 |
57,841 | |
| Document | ||
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 accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 10-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 10-07-2026 | 2026-00299167 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 79,509 | ||
| 61,222 | ||
| 13,400 | ||
| 49,822 | ||
| 51.9% | ||
| 1.90 | ||
| 0.93 | ||
| 96.7% | ||
| 50.2% | ||
| over 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| Item | 2025 |
|---|---|
| Tangible fixed assets | €11,500 |
| Financial fixed assets | €1,900 |
| €3,381 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on BDS EXPERT CONSTRUCT
Debt's share of the balance-sheet total is 48.1%.
Board & ownership
Board
1 director, since incorporationMandates through the years
1 name, the dashed line is todayARMAS Marius Andrei
Sole director
Sole director
Board
Mandates as a list
- ARMAS Marius Andrei
- Sole director, appointed by deed of 10-12-2024, still in office
Control
Capital
- Contribution
- €2,000
- Source
- deed of 10-12-2024
Articles of association
deed of 10-12-2024 (in Dutch)- 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.
- “- Plaats, dag en uur van de gewone algemene vergadering: op de zetel, op de laatste werkdag van de maand juni, om 18.00 uur. Indien er…”
Shareholders
At incorporation
deed of 10-12-2024 ↗
- ARMAS Marius Andrei €2,000
Network & group
No group
BDS EXPERT CONSTRUCT has no parent and no holdings in its annual accounts. ARMAS Marius Andrei is the only director. BDS EXPERT CONSTRUCT shares no director with another company.
At the same address
Bosstraat 42, 3960 Bree · 1 other company| TKM CONSTRUCT
registered office since 05-02-2021 |
founded in 2021 0762.956.765 |
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 21 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:1017035892
2024
IncorporationFounding capital of €2,000 · Founder: ARMAS Marius Andrei · Appointment: ARMAS Marius Andrei (sole director) · published on 10-12-20243 points ▸
- Founder, ARMAS Marius Andrei
- Founding capital, €2,000
- Director appointment, ARMAS Marius Andrei (sole director)
- The deed holds 1 more point.
First establishment Heirweg 52, Maaseik
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1017.035.892
- VAT number
- BE 1017.035.892
- Peppol ID
- 0208:1017035892
- Other Peppol ID
- 9925:BE1017035892
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 05-12-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- “- Plaats, dag en uur van de gewone algemene vergadering: op de zetel, op de laatste werkdag van de maand juni, om 18.00 uur. Indien er…”deed of 10-12-2024 (in Dutch)
- Peppol
- Reachable since 27-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- BDS EXPERT CONSTRUCT in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 10-12-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Bosstraat 42, 3960 Bree”deed of 10-12-2024 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
43110
Demolition
43120
Site preparation
Codes under NACEBEL 2008
41201
General construction of buildings main activity
41202
Construction of residential and non-residential buildings
43110
Demolition
43120
Site preparation
43130
Specialised construction activities
43390
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “De algemene aanneming van residentiële en niet-residentiële bouwwerken,van ruwbouw tot en met afwerking; De bouw van wegen en spoorwegen,met…”deed of 10-12-2024 (in Dutch)
57 activities
- De algemene aanneming van residentiële en niet-residentiële bouwwerken,van ruwbouw tot en met afwerking;
- De bouw van wegen en spoorwegen,met inbegrip van bruggen en tunnels,autowegen,straten en andere wegen en paden voor voertuigen en voetgangers (inclusief het plaatsen van vangrails);
- De bouw van civieltechnische werken voor vloeistoffen en gassen,met inbegrip van water- en aardgasleidingen en rioleringen;
- De bouw van andere civieltechnische werken,met inbegrip van waterbouw;
- Het boren en aanleggen van waterputten,graven van mijnschachten;
- De gespecialiseerde bouwwerkzaamheden,met inbegrip van slopen,bouwrijp maken van terreinen,proefboren en boren;
- Het bouwen van funderingen,inclusief heien;
- Het ruimen van bouwterreinen;
- Alle soorten grondwerken en grondverzet,met inbegrip van graven,ophogen,egaliseren en nivelleren van bouwterreinen,graven van sleuven en geulen,verwijderen van rotsen,grondverzet met behulp van explosieven;
- De aanleg van telecommunicatielijnen en -netten;
- Elektrische installatie,met inbegrip van de installatie van bedrading voor telefooninstallaties en computersystemen,de installatie van stores en zonneschermen,de installatie,het onderhoud en herstelling van zonnepanelen en andere alternatieve energieopwekkende installaties,alsook van domotica en alarm- en andere beveiligingssystemen;
- De installatie van antennes en bliksemafleiders;
- Loodgieterswerk en overige bouwinstallatie,met inbegrip van installatie van verwarming,ventilatie en klimaatregeling,alsook de installatiewerken;
- Afwerking van gebouwen,met inbegrip van alle soorten schilderwerken (zowel binnen als buiten),stukadoorswerk,schrijn- en timmerwerk,plaatsen van vloer- en wandtegels,plaatsen van vloerbedekking en wandbekleding van hout,kunststoffen en andere materialen,plaatsen van behang en glaszetten;
- Ontwerp,vervaardiging,plaatsing en onderhoud van ramen en raamlijsten,deuren en deurlijsten,poorten,hekken en toebehoren;
- Alle overige installaties (inclusief accessoires),niet elders genoemd;
- Alle soorten isolatiewerkzaamheden,met inbegrip van het aanbrengen in gebouwen en andere bouwwerken van thermisch isolatiemateriaal,isolatiemateriaal tegen geluid en trillingen,isolatiewerkzaamheden aan verwarmingsleidingen en leidingen van koelsystemen,en isolatie van koelkamers en -pakhuizen;
- Alle overige gespecialiseerde bouwactiviteiten,met inbegrip van dakwerkzaamheden,waterdichtingswerken van muren,gevelreiniging (met behulp van stoom,door middel van zandstralen,enzovoort),bouw van sierschouwen en open haarden,uitvoeren van metsel- en voegwerken,restaureren van bouwwerken,chapewerken;
- De activiteiten van interieurdecorateurs;
- Ontwerp,vervaardiging en montage van meubels;
- Alle overige werkzaamheden in verband met de afwerking van gebouwen,met inbegrip van het reinigen van nieuwe gebouwen na beëindiging van de bouwwerkzaamheden;
- Houwen,bewerken en afwerken van natuursteen;
- De vervaardiging van artikelen in beton,cement of gips;
- De vervaardiging van metalen constructiewerken of gebinten voor de bouw;
- Het monteren van niet-zelfvervaardigde metalen constructiewerken;
- De vervaardiging van geprefabriceerde gebouwen,overwegend van metaal: bouwketen,modulaire tentoonstellingselementen,telefooncellen,enzovoort;
- Het uitvoeren van hijs- en hefwerkzaamheden voor rekening van derden;
- Het optrekken en afbreken van steigers en werkplatforms;
- Onderhouds- en herstellingswerken van mechanische aard voor rekening van derden;
- De ontwikkeling van residentiële en niet-residentiële bouwprojecten;
- De verhuur en de leasing van machines en uitrusting voor de bouwnijverheid;
- Het schilderen van schepen en boten door niet-gespecialiseerde eenheden;
- Het onderhoud en de reiniging van riolen en afvoerkanalen;
- Het reinigen en ontstoppen van afvoerbuizen in gebouwen;
- De sanering en reiniging van gebouwen,mijnen,verontreinigde bodem of verontreinigd oppervlaktewater,met inbegrip van het verwijderen van asbest;
- De algemene reiniging van gebouwen;
- Het reinigen van het interieur van allerlei gebouwen,met inbegrip van kantoren,fabrieken,werkplaatsen,allerlei commerciële gebouwen,appartementsgebouwen,woonhuizen,enzovoort;
- De gespecialiseerde en overige reiniging van gebouwen,met inbegrip van industriële reiniging;
- Schoorsteenvegen en het schoonmaken van vuurplaatsen,kachels,ovens,ketels van centrale verwarming,ventilatiekanalen en uitlaatsystemen;
- Het lappen van ramen;
- Andere reinigingsactiviteiten,niet elders genoemd;
- Landschapsverzorging,met inbegrip van de beplanting,de aanleg,de verzorging en het onderhoud van parken en tuinen voor alle soorten gebouwen,gemeentelijke terreinen en wegbeplanting,alsook van sportvelden; het snoeien van bomen en heggen;
- Alle soorten detailhandel,met inbegrip van de markt- en straathandel en de detailhandel in niet-gespecialiseerde en gespecialiseerde winkels;
- Markt- en straathandel;
- Groot- en detailhandel in en onderhoud en herstelling van allerhande gemotoriseerde voertuigen en motorfietsen,met inbegrip van handel in en onderhoud en reparatie van auto’s;
- Handel in onderdelen en accessoires van motorvoertuigen en motorfietsen;
- Verhuur en lease van motorvoertuigen en motorfietsen,van consumentenartikelen,van andere machines en werktuigen en andere materiële goederen,van intellectuele eigendom en vergelijkbare producten;
- Alle mogelijke activiteiten van vervoer van goederen over de weg,met inbegrip van de opslag en overslag van goederen,alsook van alle overige vervoerondersteunende activiteiten;
- Activiteiten van overige posterijen en koeriers;
- Uitbating van een of meer verhuisbedrijven;
- Alle administratieve en ondersteunende activiteiten ten behoeve van kantoren en overige zakelijke activiteiten;
- Alle activiteiten van adviesbureaus op het gebied van bedrijfsbeheer;
- Alle overige zakelijke dienstverlening,niet elders genoemd;
- Alle activiteiten van een managementvennootschap,met inbegrip van de uitoefening van mandaten van bestuurder en vereffenaar in andere rechtspersonen;
- Alle activiteiten van holdings,met inbegrip van de verwerving van en de deelneming in andere ondernemingen ten titel van investering en het beheer van een portefeuille van financiële effecten;
- Alle activiteiten van een patrimoniumvennootschap,met inbegrip van de handel in eigen onroerend goed en de verhuur en exploitatie van eigen of geleased onroerend goed;
- Het verstrekken van vormingen en alle soorten opleidingen inzake alle domeinen die tot de bekwaamheden van de vennootschap behoren,alsook het organiseren van beurzen en andere evenementen betreffende deze domeinen.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Bosstraat 42 registered office 3960 Bree | ||
| Heirweg 52 3680 Maaseik | 05-12-2024 | 2.366.942.332 |
Buildings and parcels at the addresses
- Ground area
- 1,365 m²
- Buildings
- 239 m²
- Volume, LiDAR
- 1,422 m³
- Tallest building
- 9.5 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 72021A1433/00T000 | 730 m² | 1 · 116 m² | 9.5 m · 2 |
| 72034A0517/00H000 | 636 m² | 1 · 124 m² | 8.5 m · 2 |
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 1017.035.892