BIO-CONSTRUCTION
ActiveThe computed 12-month bankruptcy probability of BIO-CONSTRUCTION is 1.9% (moderate). The 2025 annual accounts show negative equity (€-17k) and a net result of €4k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 27711 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+9
Solvency0▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.55 against 2.87 in 2024; short-term debt: 176.5% and cash: 94.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
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
-76.5%
Return on assets
18.5%
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 5% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
68 d late
2023
43 d early
2022
17 d late
2021
102 d late
2020
30 d late
2019
122 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-17k▲ 19.5%
2024 · €-21k
2018: €-45k
2019: €-40k
2020: €-39k
2021: €-27k
2022: €-33k
2023: €-33k
2024: €-21k
2018 → 2025
Total assets
€22k▼ 79.5%
2024 · €106k
2018: €10k
2019: €18k
2020: €6k
2021: €30k
2022: €1k
2023: €6k
2024: €106k
2018 → 2025
Net result
€4k▼ 66.3%
2024 · €12k
2018: €-596
2019: €5k
2020: €859
2021: €12k
2022: €-5k
2023: €329
2024: €12k
2018 → 2025
Working capital
€-17k
2024 · €68k
2018: €-45k
2019: €-40k
2020: €-39k
2021: €-27k
2022: €-33k
2023: €-33k
2024: €68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-27k-€-33k▼ 19.8%€-33k▲ 1.0%€-21k▲ 36.6%€-17k▲ 19.5%
Operating result€17k-€-4k€1k€15k▲ 959%€6k▼ 57.5%
Net result€12k-€-5k€329€12k▲ 3,516%€4k▼ 66.3%
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 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22k
Fixed assets
€469▼ 78.9%
Current assets
€21k▼ 79.5%
Key figures and ratios
EBITDA
€8k▼
2024 · €16k
Cash flow
€6k▼
2024 · €13k
Solvency
-76.5%▼
2024 · -19.5%
Current ratio
0.55▼
2024 · 2.87
Quick ratio
0.55▼
2024 · 2.87
Debt / equity
-2.31▲
2024 · -6.14
ROA
18.5%▲
2024 · 11.2%
Interest coverage
8.92▼
2024 · 22.74
Debt
€38k▼
2024 · €127k
Debt ≤ 1 year
€38k▲
2024 · €36k
Income taxes
€2k▼
2024 · €3k
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€106k€22k▼
Fixed assets21/28€2k€469▼
Tangible fixed assets22/27€2k€469▼
Plant, machinery and equipment23€2k€469▼
Current assets29/58€104k€21k▼
Amounts receivable within one year40/41€3k€639▼
Other amounts receivable41€3k€639▼
Cash at bank and in hand54/58€100k€21k▼
Equity and liabilities
Total equity and liabilities10/49€106k€22k▼
Equity10/15€-21k€-17k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-41k€-37k▲
Amounts payable17/49€127k€38k▼
Amounts payable within one year42/48€36k€38k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€31k€31k▲
Accrued charges and deferred income492/3€90k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€387€2k▲
Gross operating margin9900€17k€10k▼
Operating profit (loss)9901€15k€6k▼
Financial income75/76B€24€24▲
Recurring financial income75€24€24▲
Financial charges65/66B€722€916▲
Recurring financial charges65€722€916▲
Profit (loss) for the period before taxes9903€14k€6k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€12k€4k▼
Profit (loss) for the period to be appropriated9905€12k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-41k€-37k▲
Profit (loss) brought forward from the previous period14P€-53k€-41k▲
The notes to these accounts (6 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
31-12
Financial
Liquidity times 18current ratio 2.87
Current ratio from 0.16 to 2.87; short-term debt falls from €39k to €36k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €329
Net result €329 after one loss-making year.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Weakest financial yearnet €-5k ▼145%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
10-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 102 days late
2021
31-12
Financial
Highest result since 2018net €12k ▲1301%
Operating result €17k, net result €12k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 122 days late
2017
03-02
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 187 days late
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, Watermaal-Bosvoorde · 1 establishment unit since 2001
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.
Terhulpsesteenweg 1501170 Watermaal-BosvoordeGround area
4,415 m²
Building footprint
2,124 m²
Volume, LiDAR
45,158 m³
Parcel 21652E0035/00R005, Brussels · tallest building 36.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Terhulpsesteenweg 150, 1170 Watermaal-Bosvoorde
since 20012.094.444.289
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0035/00R005 | Brussels | 4,415 m² | 1 · 2,124 m² | 36.1 m · 7 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.
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 4,097 companies in sector 43240 we hold annual accounts for 1,631.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-02-2001
Fiscal year end31-12
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43320Joinery installation
43331Floor and wall tiling
43350Other building finishing work
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.