BINCHE CONSTRUCT
ActiveBINCHE CONSTRUCT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €5k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 7311 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▲+18
Solvency100▲+2
Growth52=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 5.65 against 2.38 in 2024), and 17.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
82.6%
Return on assets
3%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-04-2026, 10 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
10 d early
2024
2 d early
2023
20 d early
2022
24 d early
2021
30 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k▲ 3.8%
2024 · €133k
2018: €67k
2019: €86k
2020: €90k
2021: €122k
2022: €130k
2023: €133k
2024: €133k
2018 → 2025
Total assets
€167k▼ 26.1%
2024 · €226k
2018: €220k
2019: €184k
2020: €196k
2021: €360k
2022: €254k
2023: €194k
2024: €226k
2018 → 2025
Net result
€5k▲ 4,932%
2024 · €99
2018: €48k
2019: €19k
2020: €4k
2021: €32k
2022: €8k
2023: €3k
2024: €99
2018 → 2025
Working capital
€135k▲ 5.3%
2024 · €129k
2018: €63k
2019: €76k
2020: €87k
2021: €120k
2022: €121k
2023: €126k
2024: €129k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€130k▲ 6.7%€133k▲ 2.0%€133k▲ 0.1%€138k▲ 3.8%
Operating result€50k-€9k▼ 81.5%€5k▼ 42.6%€671▼ 87.3%€10k▲ 1,439%
Net result€32k-€8k▼ 74.6%€3k▼ 67.4%€99▼ 96.3%€5k▲ 4,932%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,439% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167k
Fixed assets
€2k▼ 43.8%
Current assets
€164k▼ 25.8%
Equity and liabilities €167k
Equity
€138k▲ 3.8%
Debt
€29k▼ 68.7%
The debt ratio falls from 41.2% to 17.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€12k▲
2024 · €3k
Cash flow
€7k▲
2024 · €2k
Solvency
82.6%▲
2024 · 58.8%
Current ratio
5.65▲
2024 · 2.38
Quick ratio
5.65▲
2024 · 2.38
Debt / equity
0.21▼
2024 · 0.70
ROE
3.6%▲
2024 · 0.1%
ROA
3.0%▲
2024 · 0.0%
Interest coverage
9.65▲
2024 · 2.04
Debt
€29k▼
2024 · €93k
Debt ≤ 1 year
€29k▼
2024 · €93k
Income taxes
€5k▲
2024 · €442
Staff costs
€112k▼
2024 · €181k
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€226k€167k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€2k€1k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€130€130=
Current assets29/58€222k€164k▼
Amounts receivable within one year40/41€162k€106k▼
Trade receivables40€102k€49k▼
Other amounts receivable41€60k€58k▼
Cash at bank and in hand54/58€57k€56k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€226k€167k▼
Equity10/15€133k€138k▲
Contributions10/11€6k€6k=
Reserves13€90k€95k▲
Distributable reserves133€90k€95k▲
Profit (loss) carried forward14€37k€37k▲
Amounts payable17/49€93k€29k▼
Amounts payable within one year42/48€93k€29k▼
Financial debts43-€186
Credit institutions430/8-€186
Trade debts44€68k€14k▼
Suppliers440/4€68k€14k▼
Taxes, remuneration and social security45€25k€15k▼
Taxes450/3€9k€8k▼
Remuneration and social security454/9€16k€7k▼
Other amounts payable47/48€297€697▲
Income statement
Code20242025
Remuneration, social security and pensions62€181k€112k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€821€1k▲
Gross operating margin9900€185k€126k▼
Operating profit (loss)9901€671€10k▲
Financial income75/76B€1k€467▼
Recurring financial income75€1k€467▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€541€10k▲
Income taxes67/77€442€5k▲
Profit (loss) for the period9904€99€5k▲
Profit (loss) for the period to be appropriated9905€99€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€42k▲
Profit (loss) brought forward from the previous period14P€37k€37k▲
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (5 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
20-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity doublescurrent ratio 5.65
Current ratio from 2.38 to 5.65; short-term debt falls from €93k to €29k.
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €99 ▼96.3%
Net result drops to €99, the lowest in the series; recovery starts the following year.
10-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €100kEq €122k ▲35.5%
4 profitable years in a row build equity to €122k.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Binche · 1 establishment unit since 2019
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 de Bienne(BUV) 157133 BincheGround area
3,047 m²
Building footprint
294 m²
Volume, LiDAR
2,091 m³
2 parcels, Wallonia · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Binche Construct
since 20192.287.994.824
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56014D0254/00S002 | Wallonia | 2,653 m² | 1 · 173 m² | 8.4 m · 2 fl. |
| 55032A0203/00S005indicative | Wallonia | 395 m² | 1 · 121 m² | 11.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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VANSPEYBROUCK BOUW
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Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 12,646 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2016
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:ornella.r@idecolor.be
Phone:+32494132190