BKB
ActiveSummary
BKB has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.5m and a net result of -€109,603. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 95% of 2198 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability9▼-64
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95,000 at 30 days acceptable
short-term debt: 0% and cash: 20.8% of total assets, and 0.6% of the assets are financed with debt.
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Signals
Four 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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
99.4%
Return on assets
-7.4%
Age of the figures
9 mo
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
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 25-07-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
16 d early
2023
23 d early
2022
30 d late
2021
12 d early
2020
5 d early
2019
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€1.5m▼ 7.0%
2024 · €1.6m
Total assets
€1.5m▼ 7.5%
2024 · €1.6m
Net result
-€109,603
2024 · €53,955
Working capital
€318,158▼ 14.3%
2024 · €371,274
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€8,826▼ 99.0%€88,910▲ 907%-€82,662€53,043-€110,557
Net result-€3,296€44,923-€95,990€53,955-€109,603
Equity€1.6m▼ 0.2%€1.6m▲ 2.9%€1.5m▼ 5.9%€1.6m▲ 3.5%€1.5m▼ 7.0%
Total assets€1.9m▼ 8.9%€1.8m▼ 4.1%€1.6m▼ 14.4%€1.6m▲ 1.8%€1.5m▼ 7.5%
Debt€336,466▼ 35.2%€213,096▼ 36.7%€44,677▼ 79.0%€19,424▼ 56.5%€8,515▼ 56.2%
Working capital€1.2m▼ 5.1%€781,384▼ 36.9%€49,827▼ 93.6%€371,274▲ 645%€318,158▼ 14.3%
Staff (FTE)0.8▼ 69.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €110,557 after €53,043 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets
€1.2m ▼ 4.6%
Current assets
€318,575 ▼ 17.0%
Equity and liabilities €1.5m
Equity
€1.5m ▼ 7.0%
Debt
€8,515 ▼ 56.2%
Debt's share of the balance-sheet total falls from 1.2% to 0.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€55,341▼
2024 · €109,049
Cash flow
-€54,386▼
2024 · €109,960
Debt to equity
0.01▼
2024 · 0.01
ROE
-7.5%▼
2024 · 3.4%
ROA
-7.4%▼
2024 · 3.4%
Interest coverage
-87.64▼
2024 · 75.41
Debt ≤ 1 year
€416▼
2024 · €12,596
Debt > 1 year
€6,755=
2024 · €6,755
Income taxes
€661▲
2024 · €558
A ratio outside any meaningful range has been withheld (balance sheet total €1.5m, equity €1.5m).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €170,323 | - | - |
| Remuneration, social security and pensions62 | €35,722 | €1,429 | €1,223 | €168 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €24,094 | €25,415 | €64,543 | €56,006 | €55,217 | ▼ 1.4% |
| Other operating charges640/8 | €4,600 | €4,948 | €9,645 | €5,107 | €7,565 | ▲ 48.1% |
| Gross operating margin9900 | €73,242 | €120,702 | -€7,251 | €114,324 | -€47,776 | ▼ 142% |
| Operating profit (loss)9901 | €8,826 | €88,910 | -€82,662 | €53,043 | -€110,557 | ▼ 308% |
| Financial income75/76B | €252 | €3 | €212 | €2,916 | €2,246 | ▼ 23.0% |
| Recurring financial income75 | €252 | €3 | €212 | €2,916 | €2,246 | ▼ 23.0% |
| Financial charges65/66B | €12,441 | €36,445 | €12,878 | €1,446 | €631 | ▼ 56.3% |
| Recurring financial charges65 | €12,441 | €36,445 | €12,878 | €1,446 | €631 | ▼ 56.3% |
| Profit (loss) for the period before taxes9903 | -€3,363 | €52,468 | -€95,328 | €54,513 | -€108,942 | ▼ 300% |
| Income taxes67/77 | -€67 | €7,545 | €662 | €558 | €661 | ▲ 18.4% |
| Profit (loss) for the period9904 | -€3,296 | €44,923 | -€95,990 | €53,955 | -€109,603 | ▼ 303% |
| Profit (loss) for the period to be appropriated9905 | -€3,296 | €44,923 | -€95,990 | €53,955 | -€109,603 | ▼ 303% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.9m | €1.8m | €1.6m | €1.6m | €1.5m | ▼ 7.5% |
| Fixed assets21/28 | €341,568 | €842,483 | €1.5m | €1.2m | €1.2m | ▼ 4.6% |
| Tangible fixed assets22/27 | €337,968 | €838,883 | €1.5m | €1.2m | €1.2m | ▼ 4.6% |
| Land and buildings22 | €325,641 | €833,134 | €1.5m | €1.2m | €1.2m | ▼ 4.4% |
| Plant, machinery and equipment23 | €2,738 | €1,187 | €0 | - | - | - |
| Furniture and vehicles24 | €9,588 | €4,563 | €4,497 | €6,354 | €3,750 | ▼ 41.0% |
| Financial fixed assets28 | €3,600 | €3,600 | €3,600 | - | - | - |
| Current assets29/58 | €1.6m | €989,488 | €84,525 | €383,870 | €318,575 | ▼ 17.0% |
| Stocks and contracts in progress3 | €786,562 | €433,376 | €63,784 | €66,779 | - | - |
| Stocks30/36 | €786,562 | €433,376 | €63,784 | €66,779 | - | - |
| Amounts receivable within one year40/41 | €47,796 | €110,705 | €4,417 | €6,230 | €6,672 | ▲ 7.1% |
| Trade receivables40 | €47,796 | €95,084 | €2,257 | €41 | - | - |
| Other amounts receivable41 | - | €15,622 | €2,160 | €6,189 | €6,672 | ▲ 7.8% |
| Current investments50/53 | - | - | - | €200,000 | - | - |
| Cash at bank and in hand54/58 | €724,906 | €326,411 | €8,770 | €107,634 | €307,526 | ▲ 186% |
| Deferred charges and accrued income490/1 | €9,588 | €118,996 | €7,554 | €3,227 | €4,377 | ▲ 35.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.9m | €1.8m | €1.6m | €1.6m | €1.5m | ▼ 7.5% |
| Equity10/15 | €1.6m | €1.6m | €1.5m | €1.6m | €1.5m | ▼ 7.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1.6m | €1.6m | €1.6m | €1.6m | €1.6m | = |
| Non-distributable reserves130/1 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | - | - | - | - | - |
| Distributable reserves133 | €1.6m | €1.6m | €1.6m | €1.6m | €1.6m | = |
| Profit (loss) carried forward14 | -€3,296 | - | -€95,990 | -€42,035 | -€151,638 | ▼ 261% |
| Amounts payable17/49 | €336,466 | €213,096 | €44,677 | €19,424 | €8,515 | ▼ 56.2% |
| Amounts payable after more than one year17 | €3,405 | €3,405 | €9,980 | €6,755 | €6,755 | = |
| Other amounts payable178/9 | €3,405 | €3,405 | €9,980 | €6,755 | €6,755 | = |
| Amounts payable within one year42/48 | €330,556 | €208,105 | €34,697 | €12,596 | €416 | ▼ 96.7% |
| Financial debts43 | €277,713 | - | - | - | - | - |
| Credit institutions430/8 | €277,713 | - | - | - | - | - |
| Trade debts44 | €21,455 | €190,328 | €6,502 | €9,863 | €416 | ▼ 95.8% |
| Suppliers440/4 | €21,455 | €190,328 | €6,502 | €9,863 | €416 | ▼ 95.8% |
| Advances received on contracts in progress46 | - | €1,364 | - | - | - | - |
| Taxes, remuneration and social security45 | €27,618 | €12,450 | €7,742 | €2,733 | - | - |
| Taxes450/3 | €27,618 | €10,996 | €4,135 | €662 | - | - |
| Remuneration and social security454/9 | - | €1,454 | €3,607 | €2,071 | - | - |
| Other amounts payable47/48 | €3,770 | €3,963 | €20,454 | - | - | - |
| Accrued charges and deferred income492/3 | €2,506 | €1,586 | - | €73 | €1,344 | ▲ 1,745% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,296 | €44,923 | -€95,990 | €53,955 | -€109,603 | ▼ 303% |
| + Depreciation and write-downs630 | €24,094 | €25,415 | €64,543 | €56,006 | €55,217 | ▼ 1.4% |
| Operating cash flow (approximation) | €20,798 | €70,338 | -€31,447 | €109,960 | -€54,386 | ▼ 149% |
| Investment in fixed assets (approximation) | - | -€526,330 | -€705,098 | €214,638 | €0 | ▼ 100% |
| Change in cash | - | -€398,495 | -€317,640 | €98,864 | €199,891 | ▲ 102% |
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
2026
25-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€109,603
Net result drops to -€109,603, the lowest in the series.
31-12
Financial
Liquidity times 25current ratio 765.47
Current ratio from 30.47 to 765.47; short-term debt falls from €12,596 to €416.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €53,955
Net result €53,955 after one loss-making year.
31-12
Financial
Liquidity times 13current ratio 30.47
Current ratio from 2.44 to 30.47; short-term debt falls from €34,697 to €12,596.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Back to profitnet €44,923
Net result €44,923 after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €583,991 ▲7,049%
Operating result €883,301, net result €583,991, both a record.
Show earlier events
31-12
Financial
Liquidity doublescurrent ratio 4.02
Current ratio from 1.70 to 4.02; short-term debt falls from €1.4m to €431,523.
31-12
Financial
Equity above €1mEq €1.6m ▲58.8%
3 profitable years in a row build equity to €1.6m.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Sint-Truiden · 1 establishment unit since 2014
Ground area
2,014 m²
Building footprint
198 m²
Volume, LiDAR
1,071 m³
Parcel 71009B0160/00L000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BKB
since 20142.230.449.375
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71009B0160/00L000 | Flanders | 2,014 m² | 1 · 198 m² | 8.0 m · 2 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 29,787 companies in sector 41001 we hold annual accounts for 16,039. 5,037 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
Founded22-04-2014
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Contact
E-mail
info@bk-bouw.beSint-Truiden
Scores and ratios are computed by Checked and are not a credit decision.