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BI CONSTRUCT

Active
Private limited companyfounded 2025active for 1 yearBergensesteenweg 24, 1600 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 1019.864.433
Summary

The computed 12-month bankruptcy probability of BI CONSTRUCT is 3.5% (moderate). The 2025 annual accounts show equity of €15,831 and a net result of €13,831. Its solvency ranks better than 30% of 9,380 sector peers (NACE 41, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Overview

Official details

Source: KBO
Status
Active since 11-02-2025 Normal situation
Registered office
603 active companies are registered at this address 116 started in the 12 months before. Source: KBO register, as of 1 November 2026.
Activity
General construction of residential buildings NACE 41001and 5 others
Establishment unit
2.370.677.624 1020 Brussel, since 11-02-2025
Financial year end
31 December
Peppol
Reachable since 22-02-2026

Board and ownership

Board

Financial position

50 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
3.5%
Annual accounts 2025
Turnover
€127,292
Profit
€13,831
Equity
€15,831
Total assets
€67,305
Staff
≈ 0 FTE
estimated
  • 2025 accounts filed 34 days after the deadline
Filed on 03-09-2026
Score breakdownraises riskFounded in 2025Sector: Construction of residential and non-residential buildings (NACE 41)Size: turnover €127,292, total assets €67,305lowers riskLiquidity: current ratio 1.28, cash €14,747Show the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 45% of micro companies in construction of buildings (NACE 41)
Financial strength
Average
Solvency 49
equity 23.5% of total assets
Liquidity 36
short-term debt 76.5% · cash 21.9%
Profitability 89
return on assets 20.6%
Bankruptcy probability within 12 months
3.5% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,452 companies, NACE 41, micro)
Last 24 months 03-2026: 3.6% 04-2026: 3.7%▲ +0.1 percentage points vs 03-2026 05-2026: 3.8%▲ +0.1 percentage points vs 04-2026 06-2026: 4.2%▲ +0.4 percentage points vs 05-2026 07-2026: 4.2%● unchanged vs 06-2026 08-2026: 4.6%▲ +0.4 percentage points vs 07-2026 09-2026: 5.0%▲ +0.4 percentage points vs 08-2026highest value 10-2026: 3.5%▼ -1.5 percentage points vs 09-2026lowest value 11-2026: 3.5%● unchanged vs 10-2026lowest value
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.28, below the usual 1.5. Short-term debt is 76.5% and cash 21.9% of total assets. 76.5% of the assets are financed with debt and provisions.
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 30% of them on solvency, 31% on liquidity and 74% on profitability.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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 risk
raises risk · Founded in 2025
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Size: turnover €127,292, total assets €67,305
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.28, cash €14,747
NBB · annual accounts
raises risk · 2025 accounts filed 34 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-09-2026, 34 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filing
Deviation from the deadline
2025
34 days late
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2025.
KBO publications

Financials

Financials · financial year 2025, micro format

2025 annual accounts filed 34 days after the deadline Filed on 3 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00503398.

Annual accounts 2025 filed on 03-09-2026 at the NBB

Turnover
€127,292
EBIT margin
14.5%
Net result
€13,831
Working capital
€14,270
Balance-sheet composition
Assets €67,305
Fixed assets €1,562
Current assets €65,743
Equity and liabilities €67,305
Equity €15,831
Debt €51,474
Debt's share of the balance-sheet total is 76.5%.
Key figures and ratios
2025 value
EBITDA
€18,510
Cash flow
€13,861
Current ratio
1.28
Debt to equity
3.25
ROE
87.4%
ROA
20.6%
Interest coverage
over 100
Debt ≤ 1 year
€51,474
Income taxes
€4,610
Customer credit
90 days
Supplier credit
76 days
Staff costs
€1,102

Investments

fixed assets acquired
Item2025
Tangible fixed assets€1,591
Depreciation and write-downs of the year€29

Source: notes to the 2025 annual accounts (statement of fixed assets)

Comparable companies

These companies have the same main activity as BI CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €57,400 and €72,600, founded between 2024 and 2025.

CompanyFoundedTotal assetsEquityGross marginTurnoverNet resultFinancial year
BI CONSTRUCT Sint-Pieters-Leeuw2025€67,305€15,831€19,612€127,292€13,8312025
DMPA Renovation Sint-Pieters-Leeuw2025€72,573€18,504€25,019-€13,5042025
Poswiatny Renovation Roosdaal2024€68,766€3,935€21,378-€17,4352025
ZOD GROUP Zaventem2025€57,358-€6,658€20,849--€7,6582025
L.J.B.C. Wezembeek-Oppem2024€64,627€20,201€23,409-€17,2012025
SVS RENOV Meise2024€70,666€41,738€20,550-€12,3412025
Fixr Beernem2024€64,853€8,567€18,299-€5,5672025

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, 2,390 companies had the same profile as BI CONSTRUCT has now. Two years later, 1.2% had gone bankrupt and 96.7% were still going.

  • Micro
  • under 2 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
1.2% went bankrupt
2.0% stopped otherwise
96.7% was still going

Another 0.2% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of BI CONSTRUCT itself is higher: 3.5% within 12 months. It rests on far more data about BI CONSTRUCT than the profile alone.

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 2,390 companies, not a prediction for BI 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.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 33 lines

Source: Annual accounts 2025 at the NBB, filed on 03-09-2026.

Balance sheet Code2025
Assets
Total assets20/58€67,305
Fixed assets21/28€1,562
Tangible fixed assets22/27€1,562
Furniture and vehicles24€1,562
Current assets29/58€65,743
Amounts receivable within one year40/41€50,996
Trade receivables40€31,432
Other amounts receivable41€19,564
Cash at bank and in hand54/58€14,747
Equity and liabilities
Total equity and liabilities10/49€67,305
Equity10/15€15,831
Contributions10/11€2,000
Profit (loss) carried forward14€13,831
Amounts payable17/49€51,474
Amounts payable within one year42/48€51,474
Trade debts44€22,365
Suppliers440/4€22,365
Taxes, remuneration and social security45€4,759
Taxes450/3€4,759
Other amounts payable47/48€24,350
Income statement Code2025
Turnover70€127,292
Goods, raw materials, services and sundry goods60/61€108,105
Remuneration, social security and pensions62€1,102
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29
Gross operating margin9900€19,612
Operating profit (loss)9901€18,480
Financial charges65/66B€39
Recurring financial charges65€39
Profit (loss) for the period before taxes9903€18,442
Income taxes67/77€4,610
Profit (loss) for the period9904€13,831
Profit (loss) for the period to be appropriated9905€13,831
Appropriation of the result
Profit (loss) to be appropriated9906€13,831

The notes to these accounts have 5 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
Turnover70€127,292
Goods, raw materials, services and sundry goods60/61€108,105
Remuneration, social security and pensions62€1,102
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29
Gross operating margin9900€19,612
Operating profit (loss)9901€18,480
Financial charges65/66B€39
Recurring financial charges65€39
Profit (loss) for the period before taxes9903€18,442
Income taxes67/77€4,610
Profit (loss) for the period9904€13,831
Profit (loss) for the period to be appropriated9905€13,831
Line2025
Assets
Total assets20/58€67,305
Fixed assets21/28€1,562
Tangible fixed assets22/27€1,562
Furniture and vehicles24€1,562
Current assets29/58€65,743
Amounts receivable within one year40/41€50,996
Trade receivables40€31,432
Other amounts receivable41€19,564
Cash at bank and in hand54/58€14,747
Equity and liabilities
Total equity and liabilities10/49€67,305
Equity10/15€15,831
Contributions10/11€2,000
Profit (loss) carried forward14€13,831
Amounts payable17/49€51,474
Amounts payable within one year42/48€51,474
Trade debts44€22,365
Suppliers440/4€22,365
Taxes, remuneration and social security45€4,759
Taxes450/3€4,759
Other amounts payable47/48€24,350
Line2025
Profit (loss) for the period9904€13,831
+ Depreciation and write-downs630€29
Operating cash flow (approximation)€13,861

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

Download as CSV

Filings with the National Bank (1)
Financial year Type Filed Reference Document
31-12-2025 micro format 03-09-2026 2026-00503398 NBB

Board & ownership

Directors

Directors
1 director, 1 in day-to-day management, no change since 2025

Board 1

BUHANIUC Ion
Director (not named in the articles) and managing director · appointed in the act of 13-02-2025 · term without a fixed end
Current

Day-to-day management 1

BUHANIUC Ion
Director (not named in the articles) and managing director · appointed in the act of 13-02-2025 · term without a fixed end
Current
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Artikel 11. Bevoegdheden van het bestuursorgaan Als er slechts één bestuurder is, is het geheel van de bevoegdheden van de bestuurders aan…”
deed of 13-02-2025

Owners and capital

Shareholders

At incorporation act of 13-02-2025 ↗

Capital transactions

Capital over time
  1. 13-02-2025 Incorporation · €10,000 · 100 shares

Mandate history

1 person, 1 in office
Show
  • Board
  • Day-to-day management
Mandates per person, with start and end dates
Name Functions and periods
BUHANIUC Ion
  • Director (not named in the articles) and managing director, appointed in the act of 13-02-2025, still in office
  • Director (not named in the articles) and managing director, appointed in the act of 13-02-2025, still in office
See the board, name and registered office on a given date →

Articles of association

Board and representation

Board ruleThese rules set how the board is made up, meets and takes decisions.
“1, natuurlijke personen of rechtspersonen al dan niet aandeelhouder”

Capital, shares and profit

Share issue ruleThe articles set how and by whom new shares are issued.
“Gelijk recht in winstverdeling en vereffeningsaldo per aandeel, 100”

Audit, dissolution and liquidation

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
Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
“Bestuurder(s) in functie indien geen andere vereffenaar benoemd, een of meerdere vereffenaars aanduiden bevoegdheden omlijnen vergoeding…”

Articles of association, deed of 13-02-2025 (in Dutch)

Network & group

BI CONSTRUCT shares no director with another company.

Companies at the same address

602 other companies

Connections & network

1 current director
Depth

The network starts from the directors of BI CONSTRUCT. Every other company they run is a node.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Timeline

Acts, filings and financial milestones

2026
03-09
NBB filing Annual accounts 2025 filedNBB
micro format · 34 days late
2025
13-02
Gazette deed Incorporation
Starting capital €10,000 · Appointment: BUHANIUC Ion (director and managing director) · Founder11 points ▸
  • Founder, BUHANIUC Ion
  • Incorporation, “BI CONSTRUCT” (deed in Dutch)
  • Founding capital, €10,000
  • Other provision, 01-01-2025
  • Other provision, “aansprakelijkheid oprichters bij faillissement binnen drie jaar na oprichting bij kennelijk ontoereikend aanvangsvermogen, voorgenomen activiteit” (deed in Dutch)
  • BUHANIUC Ion holds 100 shares
  • Bank account, “bijzondere rekening namens vennootschap in oprichting”, EUR (deed in Dutch)
  • Registered office clause, “Bergensesteenweg 24 bus 8 1600 Sint-Pieters-Leeuw, slechts uitwerking vanaf neerlegging ter griffie van uitgifte” (deed in Dutch)
  • Board rule, 1
  • Director appointment, BUHANIUC Ion (director (not named in the articles) and managing director)
  • Pre-incorporation commitments, BI CONSTRUCT

Open the act in the Belgian Official Gazette

Gazette deedNBB filing

Sources:Publications in the Belgian Official GazetteFilings with the National Bank

Company details

Register details

Identity

KBO record
Name BI CONSTRUCT in Dutch
Enterprise number 1019.864.433
Legal form Private limited company
Status Active, normale toestand
Founded 11-02-2025
Entity type Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 13-02-2025 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest, exploitatiezetels oprichten/opheffen bij enkel besluit bestuursorgaan zonder wijziging taalregime”
deed of 13-02-2025 (in Dutch)

Registered office and establishments

Registered office Bergensesteenweg 24, 1600 Sint-Pieters-Leeuw, Belgium
Establishment unit BI CONSTRUCT, Fransmanstraat 102, 1020 Brussel since 11-02-2025 · unit number 2.370.677.624

Activities

NACEBEL 2025
41001 General construction of residential buildings main activity
43230 Insulation installation
43310 Plastering work
43350 Other building finishing work
43910 Bricklaying and masonry work
81210 General cleaning of buildings
PurposeThe purpose describes the activities the company may carry out under its articles.
“De studie en de uitvoering van alle mogelijke particuliere en openbare bouwwerken, als algemene aannemer of in onderaanneming, het ontwerp…”
7 activities
  1. De studie en de uitvoering van alle mogelijke particuliere en openbare bouwwerken, als algemene aannemer of in onderaanneming, het ontwerp en de bouw van alle mogelijke gebouwen en bouwsels, de studie en de uitvoering van binnen- en buitendecoraties met inbegrip van het plaatsen/de renovatie van daken en isolatie
  2. Alle mogelijke verrichtingen die rechtstreeks of onrechtstreeks verband houden met het onderhoud, de renovatie, het herstel, de verfraaiing, metselwerk, cementeren, pleisterwerk, de vernieuwing en de modernisering van alle soorten kunstwerken en onroerende goederen en, algemeen genomen, alle verrichtingen die rechtstreeks of onrechtstreeks verband houden met openbare en particuliere bouwwerken
  3. Het verstrekken van advies en bijstand, zowel technisch als administratief en commercieel, aan alle vennootschappen en ondernemingen voor alle mogelijke aangelegenheden met betrekking tot de sector van de onroerende goederen
  4. Het verwerven van alle mogelijke terreinen, het bouwen van openbare en particuliere gebouwen, de aankoop, de verkoop, de verhuur, de verdeling en de verkaveling van alle mogelijke onroerende goederen
  5. De aankoop, de verkoop, de huur, de invoer en de uitvoer van alle mogelijke materialen, goederen, toestellen en materieel, noodzakelijk voor de bouw, het onderhoud, het herstel en de vernieuwing van kunstwerken en gebouwen
  6. De voorbereiding, de opstelling en het afsluiten, zowel als mandataris als voor eigen rekening, van alle mogelijke overeenkomsten voor openbare of particuliere werken of voor leveringen en het uitvoeren van alle verrichtingen die daarmee verband houden
  7. De aankoop, verkoop, lease, verhuur, renovatie en transformatie van elk gebouw en, in het algemeen, alle vastgoedtransacties
deed of 13-02-2025 (in Dutch)

Invoicing and payment

VAT number BE 1019.864.433
E-invoicing via Peppol
Reachable via Peppol
Peppol ID 0208:1019864433
Other Peppol ID 9925:BE1019864433
Registered 22-02-2026

Follow this company and you will hear the next morning if it leaves the Peppol register.

Register as of 1 November 2026 · Peppol Directory

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 1019.864.433

Financial year and general meeting

Accounts at the NBB
Financial year end 31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Monday of June at 18:00
deed of 13-02-2025 (in Dutch)

Sites & property

Location
registered office establishment The establishment unit on the map
603 companies at this address See who is registered here

Buildings and parcels at the addresses

Ground area
1,679 m²
Building footprint
441 m²
Building volume
3,685 m³
Tallest building: 14.3 m.
Flanders 1 (50%) Brussels 1 (50%)
Cadastral parcel Region Area Buildings Height / floors
23077A0118/00W082 Flanders 1,638 m² 1 · 398 m² 9.5 m · 3
21816C0112/00C002 Brussels 41 m² 1 · 43 m² 14.2 m · 4