BELBuilding
ActiveThe computed 12-month bankruptcy probability of BELBuilding is 1.6% (moderate). The 2024 annual accounts show equity of €90k and a net result of €15k. Equity is growing by ~28.4% per year across the filed fiscal years. Its solvency ranks better than 50% of 9518 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▼-13
Solvency76▲+1
Growth52=
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity short (current ratio 0.56 against 0.14 in 2023; short-term debt: 40.8% and cash: 21.9% of total assets), and 49.4% 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 · 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
50.6%
Return on assets
8.2%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
91 d late
2023
61 d late
2022
83 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€90k▲ 19.3%
2023 · €76k
2022: €47k
2023: €76k
2022 → 2024
Total assets
€179k▲ 17.3%
2023 · €152k
2022: €176k
2023: €152k
2022 → 2024
Net result
€15k▼ 48.3%
2023 · €28k
2022: €47k
2023: €28k
2022 → 2024
Working capital
€-32k▲ 34.9%
2023 · €-49k
2022: €-51k
2023: €-49k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€47k-€76k▲ 59.7%€90k▲ 19.3%
Operating result€60k-€37k▼ 38.4%€21k▼ 43.3%
Net result€47k-€28k▼ 40.3%€15k▼ 48.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 43% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €179k
Fixed assets
€138k▼ 4.3%
Current assets
€41k▲ 400%
Equity and liabilities €179k
Equity
€90k▲ 19.3%
Debt
€88k▲ 15.4%
The debt ratio falls from 50.2% to 49.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▼
2023 · €48k
Cash flow
€23k▼
2023 · €39k
Solvency
50.6%▲
2023 · 49.8%
Current ratio
0.56▲
2023 · 0.14
Quick ratio
0.56▲
2023 · 0.14
Debt / equity
0.98▼
2023 · 1.01
ROE
16.2%▼
2023 · 37.4%
ROA
8.2%▼
2023 · 18.6%
Interest coverage
11.60▼
2023 · 38.04
Debt
€88k▲
2023 · €77k
Debt ≤ 1 year
€73k▲
2023 · €58k
Debt > 1 year
€15k▼
2023 · €19k
Income taxes
€4k▼
2023 · €7k
Staff costs
€32k▲
2023 · €18k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€152k€179k▲
Fixed assets21/28€144k€138k▼
Tangible fixed assets22/27€144k€138k▼
Land and buildings22€121k€118k▼
Leasing and similar rights25€23k€20k▼
Current assets29/58€8k€41k▲
Amounts receivable within one year40/41€5k€2k▼
Trade receivables40€4k€2k▼
Other amounts receivable41€421€3▼
Cash at bank and in hand54/58€3k€39k▲
Deferred charges and accrued income490/1€427-
Equity and liabilities
Total equity and liabilities10/49€152k€179k▲
Equity10/15€76k€90k▲
Profit (loss) carried forward14€76k€90k▲
Amounts payable17/49€77k€88k▲
Amounts payable after more than one year17€19k€15k▼
Financial debts170/4€19k€15k▼
Other amounts payable178/9-€260
Amounts payable within one year42/48€58k€73k▲
Current portion of amounts payable after more than one year42-€4k
Trade debts44€1k€966▼
Suppliers440/4€1k€966▼
Taxes, remuneration and social security45€18k€30k▲
Taxes450/3€11k€13k▲
Remuneration and social security454/9€7k€17k▲
Other amounts payable47/48€38k€38k▲
Income statement
Code20232024
Remuneration, social security and pensions62€18k€32k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€9k▼
Other operating charges640/8€994€1k▲
Gross operating margin9900€67k€63k▼
Operating profit (loss)9901€37k€21k▼
Financial income75/76B-€58
Recurring financial income75-€58
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€35k€18k▼
Income taxes67/77€7k€4k▼
Profit (loss) for the period9904€28k€15k▼
Profit (loss) for the period to be appropriated9905€28k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€76k€90k▲
Profit (loss) brought forward from the previous period14P€47k€76k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 91 days late
2024
31-12
Financial
Weakest financial yearnet €15k ▼48.3%
Net result drops to €15k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
22-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 83 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Jans-Molenbeek · 1 establishment unit since 2021
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.
Vanderstichelenstraat 401080 Sint-Jans-MolenbeekGround area
306 m²
Building footprint
259 m²
Volume, LiDAR
2,085 m³
Parcel 21012A0125/00X006, Brussels · tallest building 18.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vanderstichelenstraat 40, 1080 Sint-Jans-Molenbeek
since 20212.321.870.984
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21012A0125/00X006 | Brussels | 306 m² | 1 · 259 m² | 18.9 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.
Similar companies · same sector, comparable size
CARDINAL MANAGEMENT
BE 0860.740.188
Ukkel · Eq €91k
SALAIRES & CONSEILS
BE 0644.608.550
Virton · Eq €91k
AMANE CONSULTING
BE 0733.613.374
Beersel · Eq €90k
TRATE
BE 0871.420.482
Mechelen · Eq €90k
SERVICE MASTERS
BE 0478.160.708
Mortsel · Eq €90k
Of 11,219 companies in sector 82100 we hold annual accounts for 3,512. 2,612 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-08-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
71111Activities of building architects
71121Engineering and related technical consultancy, excluding land surveyors
82190Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.