BIM Construct
ActiveSummary
The computed 12-month bankruptcy probability of BIM Construct is 4.3% (elevated). The 2025 annual accounts show equity of €12,566 and a net result of €3,846. Equity is growing by ~39% per year across the filed fiscal years. Its solvency ranks better than 11% of 28184 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-2
Solvency30=
Growth78=
Track record94
Bankruptcy probability, 12 months
4.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.99 against 0.94 in 2024; short-term debt: 94.8% and cash: 1.6% of total assets), and 94.8% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
5.2%
Return on assets
1.6%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 28184 sector peers (2025).
NBB · sector comparisonPosition among 28184 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
6 d early
2023
on the day
2022
3 d late
2021
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close27-09-2026 today31-10-2026 deadline
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 How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€12,566▲ 44.1%
2024 · €8,721
Total assets
€241,160▲ 39.7%
2024 · €172,612
Net result
€3,846▼ 38.4%
2024 · €6,247
Working capital
-€1,226▲ 86.8%
2024 · -€9,290
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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
Line20212022202320242025
Operating result-€1,090--€1,707▼ 56.6%€489€8,313▲ 1,599%€6,621▼ 20.3%
Net result-€1,115below the sector's middle half--€1,723below the sector's middle half▼ 54.5%€312below the sector's middle half€6,247within the sector's middle half▲ 1,901%€3,846within the sector's middle half▼ 38.4%
Equity€3,885below the sector's middle half-€2,162below the sector's middle half▼ 44.4%€2,474below the sector's middle half▲ 14.4%€8,721below the sector's middle half▲ 252%€12,566below the sector's middle half▲ 44.1%
Total assets€5,471below the sector's middle half-€5,008below the sector's middle half▼ 8.5%€139,336within the sector's middle half▲ 2,683%€172,612within the sector's middle half▲ 23.9%€241,160within the sector's middle half▲ 39.7%
Debt€1,587-€2,846▲ 79.4%€136,862▲ 4,709%€163,891▲ 19.7%€228,593▲ 39.5%
Working capital€3,251-€3,118▼ 4.1%€2,517▼ 19.3%-€9,290-€1,226▲ 86.8%
Solvency71.0%above the sector's middle half-43.2%within the sector's middle half▼ 27.8pp1.8%below the sector's middle half▼ 41.4pp5.1%below the sector's middle half▲ 3.3pp5.2%below the sector's middle half▲ 0.2pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241,160
Fixed assets
€13,792 ▼ 23.4%
Current assets
€227,367 ▲ 47.1%
Equity and liabilities €241,160
Equity
€12,566 ▲ 44.1%
Debt
€228,593 ▲ 39.5%
Debt's share of the balance-sheet total falls from 94.9% to 94.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€17,142▲
2024 · €11,844
Cash flow
€14,366▲
2024 · €9,778
Current ratio
0.99▲
2024 · 0.94
Debt to equity
18.19▼
2024 · 18.79
ROE
30.6%▼
2024 · 71.6%
ROA
1.6%▼
2024 · 3.6%
Interest coverage
14.86▼
2024 · 17.44
Debt ≤ 1 year
€228,593▲
2024 · €163,891
Income taxes
€1,633▲
2024 · €1,400
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,248 companies that looked in July 2024 the way this one looks now, 2.4% went bankrupt within 24 months and 94% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit under 5% of the balance sheet
2.4%
went bankrupt
2.6%
stopped otherwise
94%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 4.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 1,248 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €317 | €633 | - | €3,531 | €10,521 | ▲ 198% |
| Other operating charges640/8 | - | €348 | €348 | €767 | €939 | ▲ 22.5% |
| Non-recurring operating charges66A | - | - | - | €250 | - | - |
| Gross operating margin9900 | -€426 | -€726 | €837 | €12,860 | €18,081 | ▲ 40.6% |
| Operating profit (loss)9901 | -€1,090 | -€1,707 | €489 | €8,313 | €6,621 | ▼ 20.3% |
| Financial income75/76B | - | - | €1 | €13 | €12 | ▼ 12.5% |
| Recurring financial income75 | - | - | €1 | €13 | €12 | ▼ 12.5% |
| Financial charges65/66B | - | €16 | €178 | €679 | €1,154 | ▲ 69.9% |
| Recurring financial charges65 | €26 | €16 | €178 | €679 | €1,154 | ▲ 69.9% |
| Profit (loss) for the period before taxes9903 | -€1,115 | -€1,723 | €312 | €7,647 | €5,479 | ▼ 28.3% |
| Income taxes67/77 | - | - | - | €1,400 | €1,633 | ▲ 16.7% |
| Profit (loss) for the period9904 | -€1,115 | -€1,723 | €312 | €6,247 | €3,846 | ▼ 38.4% |
| Profit (loss) for the period to be appropriated9905 | -€1,115 | -€1,723 | €312 | €6,247 | €3,846 | ▼ 38.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5,471 | €5,008 | €139,336 | €172,612 | €241,160 | ▲ 39.7% |
| Formation expenses20 | €633 | - | - | - | - | - |
| Fixed assets21/28 | - | - | - | €18,011 | €13,792 | ▼ 23.4% |
| Tangible fixed assets22/27 | - | - | - | €18,011 | €13,792 | ▼ 23.4% |
| Plant, machinery and equipment23 | - | - | - | €5,353 | €7,947 | ▲ 48.5% |
| Furniture and vehicles24 | - | - | - | €12,658 | €5,846 | ▼ 53.8% |
| Current assets29/58 | €4,838 | €5,008 | €139,336 | €154,601 | €227,367 | ▲ 47.1% |
| Amounts receivable within one year40/41 | €211 | €1,061 | €62,500 | €144,546 | €215,828 | ▲ 49.3% |
| Trade receivables40 | - | - | €45,290 | €134,757 | €192,439 | ▲ 42.8% |
| Other amounts receivable41 | - | €1,061 | €17,210 | €9,790 | €23,389 | ▲ 139% |
| Cash at bank and in hand54/58 | €4,627 | €2,734 | €24,836 | €9,771 | €3,919 | ▼ 59.9% |
| Deferred charges and accrued income490/1 | - | €1,212 | €52,000 | €284 | €7,621 | ▲ 2,581% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5,471 | €5,008 | €139,336 | €172,612 | €241,160 | ▲ 39.7% |
| Equity10/15 | €3,885 | €2,162 | €2,474 | €8,721 | €12,566 | ▲ 44.1% |
| Contributions10/11 | - | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Outside capital11 | - | €5,000 | €5,000 | - | - | - |
| Other1109/19 | - | €5,000 | €5,000 | - | - | - |
| Reserves13 | - | - | - | €3,000 | €6,700 | ▲ 123% |
| Distributable reserves133 | - | - | - | €3,000 | €6,700 | ▲ 123% |
| Profit (loss) carried forward14 | -€1,115 | -€2,838 | -€2,526 | €721 | €866 | ▲ 20.2% |
| Amounts payable17/49 | €1,587 | €2,846 | €136,862 | €163,891 | €228,593 | ▲ 39.5% |
| Amounts payable within one year42/48 | €1,587 | €1,889 | €136,819 | €163,891 | €228,593 | ▲ 39.5% |
| Trade debts44 | - | €303 | €84,885 | €24,515 | €85,216 | ▲ 248% |
| Suppliers440/4 | - | €303 | €84,885 | €24,515 | €85,216 | ▲ 248% |
| Taxes, remuneration and social security45 | - | - | - | €4,000 | €12,401 | ▲ 210% |
| Taxes450/3 | - | - | - | €1,400 | €2,798 | ▲ 99.9% |
| Remuneration and social security454/9 | - | - | - | €2,600 | €9,603 | ▲ 269% |
| Other amounts payable47/48 | - | €1,587 | €51,934 | €135,377 | €130,976 | ▼ 3.3% |
| Accrued charges and deferred income492/3 | - | €957 | €43 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,115 | -€1,723 | €312 | €6,247 | €3,846 | ▼ 38.4% |
| + Depreciation and write-downs630 | €317 | €633 | - | €3,531 | €10,521 | ▲ 198% |
| Operating cash flow (approximation) | -€799 | -€1,090 | €312 | €9,778 | €14,366 | ▲ 46.9% |
| Investment in fixed assets (approximation) | - | - | - | - | -€6,302 | - |
| Change in cash | - | -€1,893 | €22,102 | -€15,066 | -€5,852 | ▲ 61.2% |
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
Next filing, fiscal year 2026, expected by
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2021net €6,247 ▲1,901%
Operating result €8,313, net result €6,247, both a record.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €312
Net result €312 after 2 loss-making years.
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
31-03
Financial
Weakest financial yearnet -€1,723
Net result drops to -€1,723, the lowest in the series; recovery starts the following year.
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Elsene · 1 establishment unit since 2020
Ground area
453 m²
Building footprint
217 m²
Volume, LiDAR
3,416 m³
Parcel 21445C0295/00B002, Brussels · tallest building 19.8 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Pierre en Marie Curielaan 91, 1050 Elsene
since 20202.311.670.148
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21445C0295/00B002 | Brussels | 453 m² | 1 · 217 m² | 19.8 m · 5 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.
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Of 22,831 companies in sector 43211 we hold annual accounts for 10,335. 6,150 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
Founded11-12-2020
Fiscal year end31-03
Activities, NACEBEL 2025
43211General electrical installation work
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0759714193
Registered
10-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.