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Bemiddel Constructief

Active
Private limited companyfounded 2024active for 2 yearsKoningin Astridlaan(WIN) 186, 2880 Bornem, BelgiumKBO/BCE: BE 1009.191.166

Financials · financial year 2025, full format

2025 annual accounts filed 6 days after the deadline Filed on 6 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00034658.

Annual accounts 2025 filed on 06-02-2026 at the NBB

Turnover
≈ €320,000
Estimated: probably between €220,000 and €460,000
EBIT margin
Not included in this filing
Net result
€52,005
Working capital
€49,337

The turnover shown is an estimate from the gross margin.

Balance-sheet composition
Assets €187,003
Fixed assets €79,201
Current assets €107,802
Equity and liabilities €187,003
Equity €62,005
Debt €124,998
Debt's share of the balance-sheet total is 66.8%.
Key figures and ratios
2025 value
EBITDA
€73,482
Cash flow
€53,456
Current ratio
1.84
Debt to equity
2.02
ROE
83.9%
ROA
27.8%
Interest coverage
27.62
Debt ≤ 1 year
€58,465
Debt > 1 year
€62,176
Income taxes
€17,383

Comparable companies

These companies have the same main activity as Bemiddel Constructief: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €152,000 and €200,000, founded between 2023 and 2024.

CompanyFoundedTotal assetsEquityGross marginNet resultFinancial year
Bemiddel Constructief Bornem2024€187,003€62,005€78,086€52,0052025
WOIMMO CONSTRUCT & RENOVATION Bonheiden2024€192,549€63,873€81,688€63,8732025
Van Calster F. Beerse2023€154,970€94,924€70,044€45,8792025
Heda Projects Herenthout2024€151,590€90,134€71,378€47,1252025
FABIO BOUW Sint-Genesius-Rode2024€175,940€86,799€71,318€59,1962025
Dhanis Bouw Sint-Niklaas2024€188,028€11,364€92,459€2,0752025
BUILDING CONSULTANT LAENEN Leopoldsburg2023€200,194€89,658€79,547€52,4822025

They were chosen from the 15,546 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity

Companies with the same profile, two years later

Historical observation

In July 2024, 39,278 companies had the same profile as Bemiddel Constructief has now. Two years later, 1.8% had gone bankrupt and 95.9% were still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
95.9% was still going

That fits the bankruptcy probability of Bemiddel Constructief itself: 1.2% within 12 months.

Test of the method

The method was tested on the 497,445 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 Bemiddel Constructief. 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.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 39 lines

Source: Annual accounts 2025 at the NBB, filed on 06-02-2026.

Balance sheet Code2025
Assets
Total assets20/58€187,003
Fixed assets21/28€79,201
Tangible fixed assets22/27€79,201
Land and buildings22€79,201
Current assets29/58€107,802
Amounts receivable within one year40/41€25,901
Trade receivables40€24,998
Other amounts receivable41€904
Cash at bank and in hand54/58€81,901
Equity and liabilities
Total equity and liabilities10/49€187,003
Equity10/15€62,005
Contributions10/11€10,000
Contributions outside capital11€10,000
Other1109/19€10,000
Profit (loss) carried forward14€52,005
Amounts payable17/49€124,998
Amounts payable after more than one year17€62,176
Financial debts170/4€62,176
Amounts payable within one year42/48€58,465
Trade debts44€2,626
Suppliers440/4€2,626
Taxes, remuneration and social security45€24,691
Taxes450/3€24,691
Other amounts payable47/48€31,148
Accrued charges and deferred income492/3€4,357
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,450
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4,504
Other operating charges640/8€100
Gross operating margin9900€78,086
Operating profit (loss)9901€72,032
Financial income75/76B€18
Recurring financial income75€18
Financial charges65/66B€2,661
Recurring financial charges65€2,661
Profit (loss) for the period before taxes9903€69,389
Income taxes67/77€17,383
Profit (loss) for the period9904€52,005
Profit (loss) for the period to be appropriated9905€52,005
Appropriation of the result
Profit (loss) to be appropriated9906€52,005

The notes to these accounts have 6 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.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,450
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4,504
Other operating charges640/8€100
Gross operating margin9900€78,086
Operating profit (loss)9901€72,032
Financial income75/76B€18
Recurring financial income75€18
Financial charges65/66B€2,661
Recurring financial charges65€2,661
Profit (loss) for the period before taxes9903€69,389
Income taxes67/77€17,383
Profit (loss) for the period9904€52,005
Profit (loss) for the period to be appropriated9905€52,005
Line2025
Assets
Total assets20/58€187,003
Fixed assets21/28€79,201
Tangible fixed assets22/27€79,201
Land and buildings22€79,201
Current assets29/58€107,802
Amounts receivable within one year40/41€25,901
Trade receivables40€24,998
Other amounts receivable41€904
Cash at bank and in hand54/58€81,901
Equity and liabilities
Total equity and liabilities10/49€187,003
Equity10/15€62,005
Contributions10/11€10,000
Contributions outside capital11€10,000
Other1109/19€10,000
Profit (loss) carried forward14€52,005
Amounts payable17/49€124,998
Amounts payable after more than one year17€62,176
Financial debts170/4€62,176
Amounts payable within one year42/48€58,465
Trade debts44€2,626
Suppliers440/4€2,626
Taxes, remuneration and social security45€24,691
Taxes450/3€24,691
Other amounts payable47/48€31,148
Accrued charges and deferred income492/3€4,357
Line2025
Profit (loss) for the period9904€52,005
+ Depreciation and write-downs630€1,450
Operating cash flow (approximation)€53,456

A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.

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Filings with the National Bank (1)
Financial year Type Filed Reference Document
30-06-2025 full format 06-02-2026 2026-00034658 NBB

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