Financials
- Fiscal year
- 2024
- Total assets
- €4,965
- Loss
- -€1,251
- Solvency
- 75.5%
BNL PRO
ActiveSummary
The computed 12-month bankruptcy probability of BNL PRO is 4.5% (elevated). The 2024 annual accounts show equity of €3,749 and a net result of -€1,251. Its solvency ranks better than 84% of 9971 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€4,965total assets 2024
- Equity
- €3,749
- Loss
- -€1,251
Turnover not published (abridged schema)
Structure
Accounts filed 30 d late0 of 1 deed read
Why 39- Founded in 2024- Figures for FY 2024 (filed 30-08-2025)- Sector Construction of residential and non-residential buildings (NACE 41)- 1 financial year not filed after the legal deadline; latest accounts 30 days lateShow the evidence
Checked score
Score 2024
39
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 47% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Financial strength
Average
Solvency
100
equity 75.5% of total assets
Liquidity
47
short-term debt 24.5% · cash 4.8%
Profitability
0
return on assets -25.2%
Bankruptcy probability, 12 months
4.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2025: 3.6%
04-2025: 3.7%▲ +2.3% vs 03-2025
05-2025: 3.8%▲ +1.8% vs 04-2025
06-2025: 4.2%▲ +11.5% vs 05-2025
07-2025: 4.2%▲ +0.4% vs 06-2025
08-2025: 4.6%▲ +8.7% vs 07-2025highest value
09-2025: 3.0%▼ -34.9% vs 08-2025
10-2025: 3.0%● 0.0% vs 09-2025
11-2025: 3.0%● 0.0% vs 10-2025
12-2025: 3.0%▼ -1.1% vs 11-2025
01-2026: 2.9%▼ -0.6% vs 12-2025lowest value
02-2026: 3.0%▲ +1.9% vs 01-2026
03-2026: 3.0%▲ +1.1% vs 02-2026
04-2026: 3.1%▲ +2.4% vs 03-2026
05-2026: 3.1%▲ +0.6% vs 04-2026
06-2026: 3.1%▼ -0.3% vs 05-2026
07-2026: 3.4%▲ +8.0% vs 06-2026
08-2026: 3.8%▲ +14.2% vs 07-2026
09-2026: 4.0%▲ +3.4% vs 08-2026
10-2026: 4.5%▲ +14.1% vs 09-2026
- Founded in 2024 raises the probability for this profile
- Figures for FY 2024 (filed 30-08-2025) raises the probability
- Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
- 1 financial year not filed after the legal deadline; latest accounts 30 days late raises the probability
No publishable credit limit; credit only on tighter terms
balance sheet total too small for a liquidity verdict.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 92%, liquidity 46%, profitability 5%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 1 filingDeviation from the deadline
2024
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its 2024 accounts 30 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)
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2025
- 30-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 08-02-2024
- Year ends
- 31-12
- Peppol
- No longer on Peppol
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