BL Construct
ActiveSummary
BL Construct has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €84,146 and a net result of €3,213. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 82% of 9976 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability72▼-28
Solvency98▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 3.53 against 6.74 in 2023; short-term debt: 27% and cash: 43.6% of total assets), and 27% of the assets are financed with debt.
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Signals
Five 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 · 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 2024Solvency, return and age of the figures
Solvency
73%
Return on assets
2.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
59 d late
2022
28 d early
2021
57 d late
2020
165 d late
2019
54 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 56 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3,213▼ 90.2%
2023 · €32,789
Working capital
€78,690▼ 10.9%
2023 · €88,287
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
Line20202021202220232024
Operating result€15,237▲ 80.6%€17,308▲ 13.6%-€2,714€43,700€20,820▼ 52.4%
Net result€10,676▲ 165%€14,780▲ 38.4%-€3,561€32,789€3,213▼ 90.2%
Equity€51,925▲ 25.9%€66,704▲ 28.5%€63,144▼ 5.3%€95,933▲ 51.9%€84,146▼ 12.3%
Total assets€93,985▲ 25.7%€71,115▼ 24.3%€92,543▲ 30.1%€111,314▲ 20.3%€115,230▲ 3.5%
Debt€42,060▲ 25.6%€4,411▼ 89.5%€29,399▲ 567%€15,380▼ 47.7%€31,084▲ 102%
Working capital€41,778▲ 66.6%€54,952▲ 31.5%€53,071▼ 3.4%€88,287▲ 66.4%€78,690▼ 10.9%
Staff (FTE)
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 52% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €115,230
Fixed assets
€5,456 ▼ 28.6%
Current assets
€109,774 ▲ 5.9%
Equity and liabilities €115,230
Equity
€84,146 ▼ 12.3%
Debt
€31,084 ▲ 102%
Debt's share of the balance-sheet total rises from 13.8% to 27.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€23,987▼
2023 · €49,139
Cash flow
€6,379▼
2023 · €38,228
Current ratio
3.53▼
2023 · 6.74
Quick ratio
2.95▼
2023 · 6.58
Debt to equity
0.37▲
2023 · 0.16
ROE
3.8%▼
2023 · 34.2%
ROA
2.8%▼
2023 · 29.5%
Interest coverage
97.72▼
2023 · 155.91
Debt ≤ 1 year
€31,084▲
2023 · €15,380
Income taxes
€18,612▲
2023 · €10,595
Staff costs
€85,651▲
2023 · €56,011
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €93,763 | €89,746 | €56,011 | €85,651 | ▲ 52.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,885 | €7,519 | €5,307 | €5,439 | €3,167 | ▼ 41.8% |
| Other operating charges640/8 | - | €1,603 | €1,563 | €1,193 | €8,150 | ▲ 583% |
| Non-recurring operating charges66A | - | €405 | €779 | €3,176 | €1,001 | ▼ 68.5% |
| Gross operating margin9900 | €92,027 | €120,598 | €94,681 | €109,519 | €118,789 | ▲ 8.5% |
| Operating profit (loss)9901 | €15,237 | €17,308 | -€2,714 | €43,700 | €20,820 | ▼ 52.4% |
| Financial income75/76B | - | - | - | - | €1,250 | - |
| Recurring financial income75 | €193 | - | - | - | €1,250 | - |
| Financial charges65/66B | - | €211 | €221 | €315 | €245 | ▼ 22.1% |
| Recurring financial charges65 | €213 | €211 | €221 | €315 | €245 | ▼ 22.1% |
| Profit (loss) for the period before taxes9903 | €15,216 | €17,097 | -€2,936 | €43,385 | €21,824 | ▼ 49.7% |
| Income taxes67/77 | €4,540 | €2,317 | €625 | €10,595 | €18,612 | ▲ 75.7% |
| Profit (loss) for the period9904 | €10,676 | €14,780 | -€3,561 | €32,789 | €3,213 | ▼ 90.2% |
| Profit (loss) for the period to be appropriated9905 | €10,676 | €14,780 | -€3,561 | €32,789 | €3,213 | ▼ 90.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €93,985 | €71,115 | €92,543 | €111,314 | €115,230 | ▲ 3.5% |
| Fixed assets21/28 | €10,147 | €11,752 | €10,073 | €7,646 | €5,456 | ▼ 28.6% |
| Tangible fixed assets22/27 | €10,147 | €11,752 | €10,073 | €7,646 | €5,456 | ▼ 28.6% |
| Plant, machinery and equipment23 | - | €2,972 | €2,180 | €992 | €879 | ▼ 11.4% |
| Furniture and vehicles24 | - | €8,780 | €7,893 | €6,654 | €4,577 | ▼ 31.2% |
| Current assets29/58 | €83,838 | €59,363 | €82,469 | €103,667 | €109,774 | ▲ 5.9% |
| Stocks and contracts in progress3 | €11,049 | €5,000 | €17,000 | €2,500 | €18,000 | ▲ 620% |
| Stocks30/36 | - | €5,000 | €17,000 | €2,500 | €18,000 | ▲ 620% |
| Amounts receivable within one year40/41 | €1,706 | €12,637 | €13,629 | €7,685 | €36,663 | ▲ 377% |
| Trade receivables40 | - | €8,822 | €7,116 | €6,157 | €17,973 | ▲ 192% |
| Other amounts receivable41 | - | €3,815 | €6,512 | €1,528 | €18,690 | ▲ 1,123% |
| Cash at bank and in hand54/58 | €71,083 | €41,725 | €51,841 | €93,483 | €50,267 | ▼ 46.2% |
| Deferred charges and accrued income490/1 | - | - | - | - | €4,844 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €93,985 | €71,115 | €92,543 | €111,314 | €115,230 | ▲ 3.5% |
| Equity10/15 | €51,925 | €66,704 | €63,144 | €95,933 | €84,146 | ▼ 12.3% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Issued capital100 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Uncalled capital101 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €43,865 | €58,644 | €55,084 | €87,873 | €76,086 | ▼ 13.4% |
| Amounts payable17/49 | €42,060 | €4,411 | €29,399 | €15,380 | €31,084 | ▲ 102% |
| Amounts payable within one year42/48 | €42,060 | €4,411 | €29,399 | €15,380 | €31,084 | ▲ 102% |
| Trade debts44 | €18,108 | - | €17,390 | €2,595 | - | - |
| Suppliers440/4 | - | - | €17,390 | €2,595 | - | - |
| Taxes, remuneration and social security45 | - | €4,411 | €12,009 | €10,623 | €20,584 | ▲ 93.8% |
| Taxes450/3 | - | €4,411 | €9,909 | €10,623 | €20,584 | ▲ 93.8% |
| Remuneration and social security454/9 | - | - | €2,100 | - | - | - |
| Other amounts payable47/48 | - | - | - | €2,162 | €10,500 | ▲ 386% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,676 | €14,780 | -€3,561 | €32,789 | €3,213 | ▼ 90.2% |
| + Depreciation and write-downs630 | €6,885 | €7,519 | €5,307 | €5,439 | €3,167 | ▼ 41.8% |
| Operating cash flow (approximation) | €17,561 | €22,298 | €1,746 | €38,228 | €6,379 | ▼ 83.3% |
| Investment in fixed assets (approximation) | - | -€9,124 | -€3,627 | -€3,012 | -€976 | ▲ 67.6% |
| Change in cash | - | -€29,358 | €10,115 | €41,642 | -€43,216 | ▼ 204% |
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
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 59 days late
2023
31-12
Financial
Back to profitnet €32,789
Net result €32,789 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 6.74
Current ratio from 2.81 to 6.74; short-term debt falls from €29,399 to €15,380.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet -€3,561
Net result drops to -€3,561, the lowest in the series; recovery starts the following year.
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 57 days late
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 165 days late
2021
31-12
Financial
Liquidity times 7current ratio 13.46
Current ratio from 1.99 to 13.46; short-term debt falls from €42,060 to €4,411.
2020
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
10-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 41 days late
2018
07-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 129 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 8 days late
2016
21-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Jemeppe-sur-Sambre · 1 establishment unit since 2012
Ground area
452 m²
Building footprint
147 m²
Volume, LiDAR
983 m³
Parcel 92061A0658/00P007, Wallonia · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BL CONSTRUCT
since 20122.214.271.557
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92061A0658/00P007 | Wallonia | 452 m² | 1 · 147 m² | 10.1 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. 13,163 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
Founded14-11-2012
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
43110Demolition
43331Floor and wall tiling
43910Bricklaying and masonry work
43990Other specialised construction activities
Contact
E-mail
info@blconstruct.be
Phone
0474/92.60.83
Scores and ratios are computed by Checked and are not a credit decision.