BETON REFECT
ActiveBETON REFECT has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €1k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 12% of 830 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-2
Solvency29▼-1
Growth33▼-2
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.04 against 1.08 in 2024; short-term debt: 94% and cash: 1.9% of total assets), and 96% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
4%
Return on assets
0.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 830 sector peers (2025).
NBB · sector comparisonPosition among 830 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
40 d late
2024
2 d early
2023
29 d early
2022
70 d early
2021
52 d early
2020
23 d late
2019
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.98M▼ 12.9%
2024 · €2.28M
2018: €1.98M
2019: €2.24M
2020: €2.18M
2021: €1.87M
2022: €2.28M
2023: €2.08M
2024: €2.28M
2018 → 2025
EBIT margin
2.0%▼ 0.8pp
2024 · 2.8%
2018: 2.2%
2019: -0.2%
2020: 0.5%
2021: 1.5%
2022: 1.7%
2023: 1.9%
2024: 2.8%
2018 → 2025
Net result
€1k
2024 · €-2k
2018: €24k
2019: €-12k
2020: €-4k
2021: €264
2022: €2k
2023: €2k
2024: €-2k
2018 → 2025
Working capital
€42k▼ 39.6%
2024 · €70k
2018: €111k
2019: €92k
2020: €62k
2021: €38k
2022: €32k
2023: €27k
2024: €70k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.87M-€2.28M▲ 22.3%€2.08M▼ 8.7%€2.28M▲ 9.3%€1.98M▼ 12.9%
Equity€44k-€45k▲ 4.3%€48k▲ 5.2%€46k▼ 4.1%€47k▲ 2.8%
Operating result€29k-€39k▲ 33.8%€39k=€63k▲ 64.5%€39k▼ 38.7%
Net result€264-€2k▲ 604%€2k▲ 26.1%€-2k€1k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€29k▼ 40.4%
Current assets
€1.15M▲ 26.1%
Equity and liabilities €1.18M
Equity
€47k▲ 2.8%
Provisions
€0▼ 100%
Debt
€1.13M▲ 29.3%
The debt ratio rises from 91.1% to 96.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k▼
2024 · €88k
Cash flow
€24k▲
2024 · €22k
Solvency
4.0%▼
2024 · 4.8%
Current ratio
1.04▼
2024 · 1.08
Quick ratio
0.99▲
2024 · 0.87
Debt / equity
24.01▲
2024 · 19.09
ROE
2.8%▲
2024 · -4.2%
ROA
0.1%▲
2024 · -0.2%
Interest coverage
1.86▼
2024 · 2.12
Debt
€1.13M▲
2024 · €875k
Debt ≤ 1 year
€1.11M▲
2024 · €842k
Debt > 1 year
€23k▼
2024 · €33k
Income taxes
€4k▼
2024 · €25k
Staff costs
€1.01M▲
2024 · €850k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€961k€1.18M▲
Fixed assets21/28€49k€29k▼
Intangible fixed assets21€630€313▼
Tangible fixed assets22/27€40k€21k▼
Plant, machinery and equipment23€986€785▼
Furniture and vehicles24€25k€12k▼
Other tangible fixed assets26€14k€8k▼
Financial fixed assets28€8k€8k=
Current assets29/58€912k€1.15M▲
Stocks and contracts in progress3€176k€55k▼
Stocks30/36€79k€55k▼
Contracts in progress37€97k€0▼
Amounts receivable within one year40/41€672k€1.07M▲
Trade receivables40€578k€963k▲
Other amounts receivable41€94k€109k▲
Cash at bank and in hand54/58€64k€22k▼
Equity and liabilities
Total equity and liabilities10/49€961k€1.18M▲
Equity10/15€46k€47k▲
Contributions10/11€150k€150k=
Capital10€150k€150k=
Issued capital100€150k€150k=
Reserves13€15k€15k=
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Profit (loss) carried forward14€-119k€-118k▲
Provisions and deferred taxes16€40k€0▼
Provisions for liabilities and charges160/5€40k€0▼
Environmental obligations163€40k€0▼
Amounts payable17/49€875k€1.13M▲
Amounts payable after more than one year17€33k€23k▼
Financial debts170/4€33k€23k▼
Amounts payable within one year42/48€842k€1.11M▲
Current portion of amounts payable after more than one year42€17k€10k▼
Financial debts43€300k€300k=
Credit institutions430/8€300k€300k=
Trade debts44€355k€512k▲
Suppliers440/4€355k€512k▲
Taxes, remuneration and social security45€170k€156k▼
Taxes450/3€36k€35k▼
Remuneration and social security454/9€134k€121k▼
Other amounts payable47/48€256€130k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Turnover70€2.28M€1.98M▼
Non-recurring operating income76A-€0
Goods, raw materials, services and sundry goods60/61€1.35M€988k▼
Remuneration, social security and pensions62€850k€1.01M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€23k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€28k-
Provisions for liabilities and charges: additions (uses and reversals)635/8€40k€-40k▼
Other operating charges640/8€12k€42k▲
Gross operating margin9900€1.02M€1.07M▲
Operating profit (loss)9901€63k€39k▼
Financial income75/76B€790€0▼
Recurring financial income75€790€0▼
Financial charges65/66B€41k€33k▼
Recurring financial charges65€41k€33k▼
Profit (loss) for the period before taxes9903€23k€6k▼
Income taxes67/77€25k€4k▼
Profit (loss) for the period9904€-2k€1k▲
Profit (loss) for the period to be appropriated9905€-2k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-119k€-118k▲
Profit (loss) brought forward from the previous period14P€-117k€-119k▼
Social balance
Average headcount (FTE)908720.923.7▲
The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 40 days late
2025
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €264
Net result €264 after 2 loss-making years.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 23 days late
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €-12k ▼151%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
07-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Flémalle · 1 establishment unit since 1983
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.
Rue des Semailles 234400 FlémalleGround area
8,135 m²
Building footprint
2,596 m²
Volume, LiDAR
22,556 m³
Parcel 62055C0231/00F000, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BETON REFECT
since 19832.037.529.045
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62055C0231/00F000 | Wallonia | 8,135 m² | 1 · 2,596 m² | 11.4 m · 3 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.
Recognitions · licences · registrations
Recognised contractor
6 categoriesBETON REFECT SA33857
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 13,045 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-07-1983
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
43990Other specialised construction activities
43999Specialised construction activities
45212
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.