Turnover
≈ €300,000 estimated
The micro format states no turnover.
BEO Construct
Overview
Lifetime
1 annual account with figurespeak €43,180 (2025)
€43,180
peak €28,633 (2025)
€28,633
peak €30,800 (2025)
€30,800
€38,016
Board2 names since 2025
2 directorsBERNARD Clément Olivier and 1 other
Documentsfilings and deeds
19-05-202673 days before the deadline
2025micro format
Incorporation 02-05Dividend €8331 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€3,000
Checked score
70
Healthy
Financially stronger than 76% of micro companies in construction of buildings (NACE 41)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2026: 3.6%highest value
06-2026: 0.7%▼ -2.9 percentage points vs 05-2026lowest value
07-2026: 0.7%● unchanged vs 06-2026lowest value
08-2026: 0.7%● unchanged vs 07-2026
09-2026: 0.7%● unchanged vs 08-2026
10-2026: 0.7%● unchanged vs 09-2026
11-2026: 0.8%▲ +0.1 percentage points vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: total assets €68,816
lowers risk
Liquidity: current ratio 1.89, cash €41,599
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 53% of them on solvency, 83% on liquidity and 91% on profitability.
The bankruptcy probability was computed on 10-11-2026 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 low class on 30-06-2025, 0.8% 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 BEO 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
That fits the bankruptcy probability of BEO Construct itself: 0.8% within 12 months.
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 BEO 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 €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.89, above the usual 1.5. Short-term debt is 41.7% and cash 60.4% of total assets. However, 55.2% 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 19-05-2026, 73 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
73 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- BERNARD Sylvain Arnaud founderdeed of 02-05-2025
- BERNARD Clément Olivier founderdeed of 02-05-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1022849657
Incorporation
Founding capital of €3,000 · Founders: BERNARD Sylvain Arnaud and BERNARD Clément Olivier · Appointments: BERNARD Sylvain Arnaud (director) and BERNARD Clément Olivier (director) · published on 02-05-2025 · Gazette deed
First establishment
Rue de Nivelles 25, Genappe
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BEO Construct Genappe | €68,816 | €43,180 | 44.8% | - |
| DASIKAP Braine-l'Alleud | €73,572 | €47,704 | 38.8% | - |
| DWK Concept Damme | €69,764 | €38,282 | 40.5% | - |
| Futurimmo Concept Charleroi | €77,266 | €41,241 | 27.2% | - |
| OP DE BEECK PROJECTS Duffel | €66,186 | €47,119 | 57.4% | - |
| MOLODIST Sint-Pieters-Leeuw | €72,673 | €39,583 | 40.4% | - |
| ARDOBUILD Ardooie | €70,367 | €44,479 | 48.5% | - |
These companies have the same main activity as BEO Construct: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €66,200 and €77,300, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 29-04-2025Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 5 others
- Establishment unit
- 2.373.252.0821476 Genappe, since 29-04-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 27-08-2025
Annual accounts 2025
- €43,180
- €28,633
- €30,800
- €68,816
- Filing
- Filed on 19-05-2026, 73 days before the end of the filing period
Insights on BEO Construct
BEO Construct has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30,800 and a net result of €28,633.
Its solvency ranks better than 52% of 9,462 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 19-05-2026, 73 days before the deadline€43,180
€40,480
€28,633
€25,435
44.8%
1.89
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 ≈ €300,000. Estimated: probably between €170,000 and €540,000.
Balance sheet
balance sheet total €68,816 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
44.8%
Higher than 52% of 9,462 companies in 2025.
1.89
Higher than 55% of 9,210 companies in 2025.
41.6%
Higher than 91% of 9,282 companies in 2025.
BEO 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 |
68,816 | |
21/28 |
14,654 | |
22/27 |
14,654 | |
23 |
838 | |
24 |
788 | |
25 |
13,028 | |
29/58 |
54,162 | |
40/41 |
11,302 | |
40 |
10,332 | |
41 |
970 | |
54/58 |
41,599 | |
490/1 |
1,261 | |
| Balance sheet: equity and liabilities | ||
10/49 |
68,816 | |
10/15 |
30,800 | |
10/11 |
3,000 | |
13 |
27,800 | |
133 |
27,800 | |
17/49 |
38,016 | |
17 |
9,289 | |
170/4 |
9,289 | |
42/48 |
28,727 | |
42 |
3,449 | |
44 |
21,799 | |
440/4 |
21,799 | |
45 |
1,003 | |
450/3 |
1,003 | |
47/48 |
2,476 | |
| Income statement | ||
76A |
998 | |
9900 |
43,180 | |
630 |
2,612 | |
640/8 |
87 | |
9901 |
40,480 | |
75/76B |
76 | |
75 |
76 | |
65/66B |
898 | |
65 |
898 | |
9903 |
39,659 | |
67/77 |
11,026 | |
9904 |
28,633 | |
9905 |
28,633 | |
| Appropriation of the result | ||
9906 |
28,633 | |
691/2 |
27,800 | |
6921 |
27,800 | |
694/7 |
833 | |
694 |
833 | |
| Document | ||
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.
Source: Annual accounts 2025 at the NBB, filed on 19-05-2026.
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 | 19-05-2026 | 2026-00114053 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 43,093 | ||
| 31,245 | ||
| 17,266 | ||
| 25,435 | ||
| 44.8% | ||
| 1.89 | ||
| 1.23 | ||
| 93.0% | ||
| 41.6% | ||
| 47.98 |
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 | €17,266 |
| €2,612 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on BEO Construct
Debt's share of the balance-sheet total is 55.2%.
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
appointed by deed of 02-05-2025
term without a fixed end
Director (not named in the articles)
appointed by deed of 02-05-2025
term without a fixed end
also on the board of 1 other company
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “b) Pouvoirs de représentation Chaque administrateur représente la société à l'égard des tiers, y compris les actes où interviennent un…”deed of 02-05-2025
Mandates through the years
2 names, the dashed line is todayBERNARD Clément Olivier
Director (not named in the articles)
Director (not named in the articles)
Bernard Sylvain
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- BERNARD Clément Olivier
- Director (not named in the articles), appointed by deed of 02-05-2025, still in office
- Bernard Sylvain
- Director (not named in the articles), appointed by deed of 02-05-2025, still in office
Control
Founders
This company
BEO Construct
Equity €30,800
Profit €28,633 in 2025
Capital
- Contribution
- €3,000
- Source
- deed of 02-05-2025
Articles of association
deed of 02-05-2025 (in French)- 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.
- “Administrateur, fixe ou proportionnelle”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Tous frais de procédure et d’expertise pour moitié à charge du cédant et pour moitié à charge du ou des acquéreurs proportionnellement au…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Monday of June 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
Founders
At incorporation
deed of 02-05-2025 ↗
- BERNARD Sylvain Arnaud founder
- BERNARD Clément Olivier founder
Network & group
No group
BEO Construct has no parent and no holdings in its annual accounts.
The LEI register names no parent.
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
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Linked via shared directors
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Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 73 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1022849657
IncorporationFounding capital of €3,000 · Founders: BERNARD Sylvain Arnaud and BERNARD Clément Olivier · Appointments: BERNARD Sylvain Arnaud (director) and BERNARD Clément Olivier (director) · published on 02-05-20257 points ▸
- Founder, BERNARD Sylvain Arnaud
- Founder, BERNARD Clément Olivier
- Founding capital, €3,000
- Registered office clause, Rue de Nivelles 25, 1476 Genappe (Houtain-le-Val)
- Board rule, 2
- Director appointment, BERNARD Sylvain Arnaud (director (not named in the articles))
- Director appointment, BERNARD Clément Olivier (director (not named in the articles))
- The deed holds 3 more points.
First establishment Rue de Nivelles 25, Genappe
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1022.849.657
- VAT number
- BE 1022.849.657
- Peppol ID
- 0208:1022849657
- Other Peppol ID
- 9925:BE1022849657
- LEI code
- 254900WAABH992GWAU76 live in the LEI register
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-04-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Monday of June at 18:00deed of 02-05-2025 (in French)
- Peppol
- Reachable since 27-08-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- BEO Construct in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 02-05-2025 (in French)
- Name clauseThe company operates under this name according to its articles.
- BEO Constructdeed of 02-05-2025 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région Wallonne”deed of 02-05-2025 (in French)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
43230
Insulation installation
43320
Joinery installation
43410
Roofing work
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’entreprise générale de construction; La construction, la rénovation et le parachèvement d’immeubles; Tous travaux de couverture, de…”deed of 02-05-2025 (in French)
16 activities
- L’entreprise générale de construction
- La construction, la rénovation et le parachèvement d’immeubles.
- Tous travaux de couverture, de menuiserie, de mise en place de l’isolation,
- Tous travaux d’étanchéité des murs, vitrerie, pose de revêtements des sols et des murs en bois
- Toutes opérations quelconques se rapportant directement ou indirectement à l’étude et à l’entreprise générale de travaux publics ou privés de toute nature, en ce compris et sans que l'énumération soit limitative : la construction de bâtiments neufs, la démolition ou la rénovation de bâtiments anciens, la promotion Immobilière, l'aménagement du territoire, le bureau d'études comprenant notamment les études de structures, de chauffage, de résistance du sol et caetera ;
- La promotion, l’étude, la conception, la commercialisation et la représentation de toutes techniques et systèmes d’équipement et de construction, pour compte propre ou pour compte de tiers.
- La gestion de chantiers
- Les travaux de terrassement, d’aménagement et d'entretien de terrains divers,
- Les travaux de démolition du bâtiment,
- La réalisation de constructions en ossature bois,
- La construction, la transformation, l’aménagement, la décoration et en général tous travaux en bâtiment et : tout ce qui se rattache directement ou indirectement à la mise en valeur de propriétés immobilières,
- Les travaux d’entretien et de réparation sur les bâtiments industriels,
- L'importation et l'exportation, l’achat et la vente, en gros ou en détail, de toutes marchandises et notamment de matériaux et d'outillage de construction,
- L’entretien, la réparation, la location de tous matériels ayant trait aux activités énumérées, la gestion de chantiers industriels privés
- L’achat, la vente, la location de tous biens immeubles au sens large.
- La gestion d’immeubles pour compte propre ou pour compte de tiers.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue de Nivelles 25 registered office 1476 Genappe | 29-04-2025 | 2.373.252.082 |
Buildings and parcels at the address
- Ground area
- 271 m²
- Buildings
- 103 m²
- Volume, LiDAR
- 775 m³
- Tallest building
- 9.5 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25041D0072/00H000 | 271 m² | 1 · 102 m² | 9.5 m · 3 |
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 1022.849.657