BEPA CONSTRUCT
ActiveSummary
BEPA CONSTRUCT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €351,869 and a net result of €25,883. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 59% of 11620 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability75▲+3
Solvency88▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity short (current ratio 0.41 against 0.24 in 2023; short-term debt: 10.1% and cash: 0% of total assets), and 36.6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-07-2025, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d early
2023
29 d early
2022
28 d early
2021
34 d early
2020
32 d early
2019
16 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 28 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€351,869▲ 7.9%
2023 · €325,987
Total assets
€555,240▼ 0.2%
2023 · €556,446
Net result
€25,883▲ 63.7%
2023 · €15,816
Working capital
-€33,196▲ 29.6%
2023 · -€47,121
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€38,346▼ 26.7%€83,867▲ 119%€109,223▲ 30.2%€28,147▼ 74.2%€41,975▲ 49.1%
Net result€22,841within the sector's middle half▼ 30.8%€55,989above the sector's middle half▲ 145%€74,007above the sector's middle half▲ 32.2%€15,816within the sector's middle half▼ 78.6%€25,883within the sector's middle half▲ 63.7%
Equity€182,175above the sector's middle half▲ 13.1%€238,164above the sector's middle half▲ 30.7%€310,171above the sector's middle half▲ 30.2%€325,987above the sector's middle half▲ 5.1%€351,869above the sector's middle half▲ 7.9%
Total assets€454,322above the sector's middle half▲ 45.2%€607,197above the sector's middle half▲ 33.6%€588,453above the sector's middle half▼ 3.1%€556,446above the sector's middle half▼ 5.4%€555,240above the sector's middle half▼ 0.2%
Debt€272,148▲ 79.3%€369,033▲ 35.6%€278,282▼ 24.6%€230,459▼ 17.2%€203,371▼ 11.8%
Working capital-€11,641below the sector's middle half-€70,850below the sector's middle half▼ 509%-€63,872below the sector's middle half▲ 9.8%-€47,121below the sector's middle half▲ 26.2%-€33,196below the sector's middle half▲ 29.6%
Solvency40.1%within the sector's middle half▼ 11.4pp39.2%within the sector's middle half▼ 0.9pp52.7%within the sector's middle half▲ 13.5pp58.6%within the sector's middle half▲ 5.9pp63.4%within the sector's middle half▲ 4.8pp
Current ratio0.73below the sector's middle half▼ 1.120.18below the sector's middle half▼ 0.560.25below the sector's middle half▲ 0.070.24below the sector's middle half▼ 0.010.41below the sector's middle half▲ 0.17
Return on assets (ROA)5.0%within the sector's middle half▼ 5.5pp9.2%within the sector's middle half▲ 4.2pp12.6%within the sector's middle half▲ 3.4pp2.8%within the sector's middle half▼ 9.7pp4.7%within the sector's middle half▲ 1.8pp
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 49% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €555,240
Fixed assets
€532,518 ▼ 1.7%
Current assets
€22,722 ▲ 56.0%
Equity and liabilities €555,240
Equity
€351,869 ▲ 7.9%
Debt
€203,371 ▼ 11.8%
Debt's share of the balance-sheet total falls from 41.4% to 36.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€70,810▲
2023 · €55,850
Cash flow
€54,718▲
2023 · €43,518
Debt to equity
0.58▼
2023 · 0.71
ROE
7.4%▲
2023 · 4.9%
Interest coverage
12.15▲
2023 · 9.38
Debt ≤ 1 year
€55,918▼
2023 · €61,683
Debt > 1 year
€147,453▼
2023 · €168,776
Income taxes
€10,268▲
2023 · €6,428
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,733 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,733 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €12,111 | €52,051 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30,352 | €19,140 | €25,725 | €27,702 | €28,835 | ▲ 4.1% |
| Other operating charges640/8 | - | €3,510 | €6,415 | €3,120 | €3,734 | ▲ 19.7% |
| Gross operating margin9900 | €72,711 | €106,517 | €141,363 | €58,969 | €74,543 | ▲ 26.4% |
| Operating profit (loss)9901 | €38,346 | €83,867 | €109,223 | €28,147 | €41,975 | ▲ 49.1% |
| Financial income75/76B | - | €20 | €0 | €51 | €6 | ▼ 88.5% |
| Recurring financial income75 | €47 | €20 | €0 | €51 | €6 | ▼ 88.5% |
| Financial charges65/66B | - | €7,528 | €7,847 | €5,955 | €5,830 | ▼ 2.1% |
| Recurring financial charges65 | €6,438 | €7,528 | €7,847 | €5,955 | €5,830 | ▼ 2.1% |
| Profit (loss) for the period before taxes9903 | €31,955 | €76,359 | €101,376 | €22,244 | €36,151 | ▲ 62.5% |
| Income taxes67/77 | €9,114 | €20,370 | €27,369 | €6,428 | €10,268 | ▲ 59.7% |
| Profit (loss) for the period9904 | €22,841 | €55,989 | €74,007 | €15,816 | €25,883 | ▲ 63.7% |
| Profit (loss) for the period to be appropriated9905 | €22,841 | €55,989 | €74,007 | €15,816 | €25,883 | ▲ 63.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €454,322 | €607,197 | €588,453 | €556,446 | €555,240 | ▼ 0.2% |
| Fixed assets21/28 | €422,218 | €591,913 | €567,221 | €541,884 | €532,518 | ▼ 1.7% |
| Tangible fixed assets22/27 | €422,218 | €590,913 | €567,221 | €541,884 | €532,518 | ▼ 1.7% |
| Land and buildings22 | - | €590,838 | €566,112 | €541,183 | €525,079 | ▼ 3.0% |
| Plant, machinery and equipment23 | - | €20 | €0 | - | - | - |
| Furniture and vehicles24 | - | €55 | €1,109 | €700 | €7,439 | ▲ 962% |
| Financial fixed assets28 | - | €1,000 | €0 | - | - | - |
| Current assets29/58 | €32,104 | €15,284 | €21,232 | €14,562 | €22,722 | ▲ 56.0% |
| Amounts receivable within one year40/41 | €7,540 | €14,087 | €20,183 | €13,193 | €20,352 | ▲ 54.3% |
| Trade receivables40 | - | €12,856 | €19,199 | €12,039 | €18,483 | ▲ 53.5% |
| Other amounts receivable41 | - | €1,231 | €984 | €1,154 | €1,869 | ▲ 62.0% |
| Cash at bank and in hand54/58 | €23,497 | €100 | €25 | €25 | €25 | ▲ 0.5% |
| Deferred charges and accrued income490/1 | - | €1,097 | €1,023 | €1,344 | €2,345 | ▲ 74.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €454,322 | €607,197 | €588,453 | €556,446 | €555,240 | ▼ 0.2% |
| Equity10/15 | €182,175 | €238,164 | €310,171 | €325,987 | €351,869 | ▲ 7.9% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €162,175 | €218,164 | €290,171 | €305,987 | €331,869 | ▲ 8.5% |
| Non-distributable reserves130/1 | - | €2,000 | €2,000 | €0 | - | - |
| Reserves not available under the articles1311 | - | €2,000 | €2,000 | €0 | - | - |
| Distributable reserves133 | - | €216,164 | €288,171 | €305,987 | €331,869 | ▲ 8.5% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | - | - |
| Amounts payable17/49 | €272,148 | €369,033 | €278,282 | €230,459 | €203,371 | ▼ 11.8% |
| Amounts payable after more than one year17 | €228,403 | €282,900 | €193,178 | €168,776 | €147,453 | ▼ 12.6% |
| Financial debts170/4 | - | €256,849 | €184,077 | €160,241 | €147,453 | ▼ 8.0% |
| Other amounts payable178/9 | - | €26,051 | €9,101 | €8,535 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €43,745 | €86,133 | €85,104 | €61,683 | €55,918 | ▼ 9.3% |
| Current portion of amounts payable after more than one year42 | - | €32,791 | €28,041 | €31,204 | €20,655 | ▼ 33.8% |
| Financial debts43 | - | €13,956 | €24,080 | €12,287 | €16,926 | ▲ 37.8% |
| Credit institutions430/8 | - | €13,956 | €24,080 | €12,287 | €16,926 | ▲ 37.8% |
| Trade debts44 | €472 | €17,683 | €7,761 | €10,846 | €3,638 | ▼ 66.5% |
| Suppliers440/4 | - | €17,683 | €7,761 | €10,846 | €3,638 | ▼ 66.5% |
| Taxes, remuneration and social security45 | - | €21,704 | €24,222 | €7,347 | €14,699 | ▲ 100% |
| Taxes450/3 | - | €16,887 | €23,534 | €7,347 | €14,699 | ▲ 100% |
| Remuneration and social security454/9 | - | €4,817 | €688 | €0 | - | - |
| Other amounts payable47/48 | - | €0 | €1,000 | €0 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,841 | €55,989 | €74,007 | €15,816 | €25,883 | ▲ 63.7% |
| + Depreciation and write-downs630 | €30,352 | €19,140 | €25,725 | €27,702 | €28,835 | ▲ 4.1% |
| Operating cash flow (approximation) | €53,193 | €75,129 | €99,732 | €43,518 | €54,718 | ▲ 25.7% |
| Investment in fixed assets (approximation) | - | -€188,835 | -€1,033 | -€2,365 | -€19,469 | ▼ 723% |
| Change in cash | - | -€23,397 | -€75 | €0 | €0 | ▲ 50.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €15,816 ▼78.6%
Net result drops to €15,816, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €74,007 ▲32.2%
Operating result €109,223, net result €74,007, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200,000Eq €238,164 ▲30.7%
4 profitable years in a row build equity to €238,164.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €150,000Eq €161,034 ▲23.2%
2 profitable years in a row build equity to €161,034.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Pelt · 1 establishment unit since 2002
Ground area
384 m²
Building footprint
141 m²
Volume, LiDAR
1,059 m³
Parcel 72362C0538/00P000, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Vrijheidsstraat 8, 3910 Pelt
since 20022.114.421.836
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72362C0538/00P000 | Flanders | 384 m² | 1 · 141 m² | 11.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
2024 · 1 entry · 585 EUR awarded · 585 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 585 EUR | 585 EUR |
Similar companies · same sector, comparable size
Project in Translation
BE 0441.184.011
Boortmeerbeek · Eq €351,892
Architenko - urban design and architecture
BE 0714.918.209
Hasselt · Eq €351,590
SOL-ID
BE 0821.588.812
Gent · Eq €351,282
BBFA Architecture
BE 0894.994.155
Malmedy · Eq €351,143
POLYLIGNE ARCHITECTURE
BE 1003.950.592
Jemeppe-sur-Sambre · Eq €352,824
Of 18,250 companies in sector 71111 we hold annual accounts for 6,321. 4,502 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-08-2002
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
E-invoicing
Reachable via Peppol
Peppol ID
0208:0478127549
Also
9925:BE0478127549
Registered
20-06-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.